Moneta vs Global Payments
Compare payment processing fees and features. See how much your business can save by switching from Global Payments to Moneta's zero-fee stablecoin payments.
Savings Calculator
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Detailed Fee Comparison
| Fee Type | Moneta | Global Payments |
|---|---|---|
| Transaction Fee (%) | 0% | 2.6% |
| Fixed Fee per Transaction | ~$0.001 | $0.10 |
| Currency Conversion / FX Markup | 0% | 1% |
| Chargeback Fee | N/A | $15-25 |
| Settlement Time | Instant | 2-7 days |
| Withdrawal Fee | $0 | Varies |
Feature Comparison
Real-World Savings Scenarios
Healthcare Practice
$100,000/month
A medical practice processing patient payments. Global Payments' healthcare-specific fees on $100K monthly exceed $2,600.
University Bookstore
$50,000/month
A campus store using Global Payments' education solutions. Processing fees reduce already-thin margins on textbooks and supplies.
Gaming Platform
$250,000/month
An online gaming company with microtransactions. Per-transaction fees on small purchases significantly impact revenue.
Multi-Location Retail
$500,000/month
A retail chain with integrated POS systems. Global Payments' fees across locations total $13,000+ monthly.
Pros and Cons
Moneta
Pros
- Zero transaction fees (vs 2.6%+ )
- 100% transparent pricing
- No contracts or commitments
- Instant settlement
- No chargeback risk
- No industry restrictions
- Self-custody of funds
- Works globally without restrictions
Cons
- No card payment acceptance
- No vertical-specific solutions
- No integrated software partnerships
- Recipients need crypto wallets
- No POS hardware support
- Less established enterprise presence
Global Payments
Pros
- Accepts all major payment methods
- Vertical-specific solutions (healthcare, education, gaming)
- Extensive ISV partnership network
- 50+ billion transactions annually
- Integrated payment solutions
- Global merchant acquiring
- Comprehensive fraud protection
- Enterprise-grade infrastructure
Cons
- 2.6%+ per transaction
- Often opaque pricing
- Long-term contracts common
- Early termination fees
- 1-2 day settlement time
- Chargeback fees and risk
- Complex fee structures
- May restrict certain industries
Which Should You Choose?
Choose Moneta if you:
- Want zero payment processing fees
- Prefer transparent, simple pricing
- Don't want long-term contracts
- Need instant settlement
- Have crypto-accepting customers
- Operate in restricted industries
- Want to avoid chargeback risk
Choose Global Payments if you:
- Need card payment acceptance
- Require vertical-specific solutions
- Use integrated software requiring their payments
- Need POS hardware support
- Prefer established enterprise provider
- Require industry-specific compliance
Frequently Asked Questions
How does Moneta compare to Global Payments for specialized industries?
Global Payments offers vertical-specific solutions for healthcare, education, and gaming with specialized features. Moneta is industry-agnostic with zero fees. If you need industry-specific compliance features, Global Payments may be necessary. For pure payment processing, Moneta saves significantly.
Can Moneta work for healthcare payments?
Moneta can process any payment, but it lacks healthcare-specific features like HIPAA-compliant patient portals or insurance integration. For patient co-pays or B2B healthcare transactions where stablecoins are accepted, Moneta eliminates processing fees.
What about Global Payments' integrated software partnerships?
Global Payments has extensive ISV (Independent Software Vendor) partnerships for integrated payments. Moneta offers API integration but lacks the pre-built software ecosystem. For businesses using specific vertical software, Global Payments' integrations may be more convenient.
How transparent is pricing compared to Global Payments?
Global Payments pricing is often negotiated and can include interchange-plus, tiered, or flat-rate models with various fees. Moneta is 100% transparent: 0% fees, always. No hidden costs, no negotiations, no surprises.
Is Moneta suitable for high-risk industries?
Global Payments may restrict or charge premium rates for high-risk industries. Moneta has no industry restrictions—stablecoin payments work the same regardless of business type. This makes Moneta attractive for businesses facing payment processing challenges.
What about contract terms?
Global Payments often requires long-term contracts with early termination fees. Moneta has no contracts, no commitments, and no cancellation fees. You can start and stop using Moneta at any time.
About Global Payments
Global Payments is a Fortune 500 payment technology company founded in 1967, processing over 50 billion transactions annually across 100+ countries. It provides payment solutions for merchants, issuers, and consumers, with particular strength in integrated payments and vertical-specific solutions for healthcare, education, and gaming. While Global Payments offers comprehensive services, its pricing is often opaque and can be expensive for smaller merchants.
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