Moneta is completely free
0% transaction fees. $0 per transaction. No monthly fees. No setup costs.
Unlike PayPal (3.49% + $0.49) or Stripe (3.4% + $0.30), Moneta charges absolutely nothing for processing payments. You keep 100% of every transaction.
Fee Comparison: Moneta vs Traditional Processors
| Fee Type | PayPal | Stripe | Moneta |
|---|---|---|---|
| Transaction Fee | 3.49% | 3.4% | 0% |
| Per-Transaction Fee | $0.49 | $0.30 | $0 |
| International Fee | +1.5% | +1.5% | $0 |
| Currency Conversion | 2.5-4% | 1-2% | $0 |
| Monthly Fee | $0 | $0 | $0 |
| Setup Fee | $0 | $0 | $0 |
| Chargeback Fee | $20 | $15 | N/A* |
*Blockchain transactions are final and cannot be charged back
How Much Can You Save?
$10,000/month volume
$598
saved per month vs PayPal
$7,176/year
$50,000/month volume
$2,990
saved per month vs PayPal
$35,880/year
$100,000/month volume
$5,980
saved per month vs PayPal
$71,760/year
How Can Moneta Be Free?
Moneta is open-source software that uses the Sera Protocol for stablecoin payments. Here's how the economics work:
Sera Protocol Handles Currency Conversion
When a customer pays in USDT but you want to receive EURC, Sera Protocol handles the conversion. Sera earns a small spread on these conversions (typically 0.1-0.3%), which funds the entire ecosystem.
No Middlemen = No Fees
Traditional payment processors (PayPal, Stripe) sit between you and your customer, charging fees for the privilege. With Moneta, payments go directly from customer wallet to your wallet on the blockchain. No middleman, no fees.
Open Source = Community Supported
Moneta is open-source software. There's no company taking a cut of your transactions. The code is free to use, modify, and deploy. The community maintains and improves it.
What About Blockchain Network Fees?
Network Fees Are Separate
Blockchain transactions require a small network fee (gas) paid to validators who process the transaction. This is not a Moneta fee—it's infrastructure cost, like internet bandwidth.
| Network | Typical Fee | Speed |
|---|---|---|
| Solana | ~$0.001 | ~400ms |
| Tron | ~$0.50 | ~3 seconds |
| Polygon | ~$0.01 | ~2 seconds |
| Ethereum | $1-10 | ~12 seconds |
Even with network fees, you're still saving 95%+ compared to traditional processors.
Common Pricing Questions
Is there a catch?
No catch. Moneta is genuinely free. The Sera Protocol license requires using Sera for currency conversions, which is how the ecosystem sustains itself. If you only accept one currency (no conversions needed), you pay nothing at all.
Will pricing change in the future?
Moneta is open-source under the Sera Protocol License. The code will always be free. No one can suddenly start charging fees because the software is decentralized and community-owned.
Are there volume limits?
No. Process $100 or $100 million—the fee is the same: $0. There are no tiers, no enterprise pricing, no "contact sales for high volume." Everyone gets the same deal.
What about refunds?
You can issue refunds directly from your wallet. Since there's no fee on the original transaction, there's no fee to refund. You simply send the amount back to the customer.
Do I need to pay for the dashboard or API?
No. The Moneta dashboard, API, SDK, and all tools are completely free. You can self-host everything or use the hosted version at no cost.
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