0xProcessing: обзор

The rate is negotiated, and that is stated#

Processing depends on business model and monthly turnover, and appears nowhere on the public pages. The provider is clear that this is how it works, which is more honest than a headline nobody actually gets.

Figures in the 0.3% to 0.7% band circulate and come from the provider's own marketing rather than a tariff page. This index does not treat marketing ranges as published rates, and a procurement review should not either.

Withdrawals carry no provider fee#

Only the network cost, stated in the public documentation. For a business withdrawing frequently, that removes the component that usually decides comparisons in this category, and it removes it verifiably.

Combined with no monthly fees and no turnover requirement, the published cost surface is unusually clean for a provider aimed at high-volume merchants. What is missing is the one number that matters most.

The network fee is a documented choice#

It sits on the payer by default and can be moved to the merchant in settings. Few competitors state their default either way, and fewer still describe it as configurable.

That matters more than it sounds for a business taking many small payments, where chain cost is a visible share of each one. Decide deliberately: pushing it onto the payer lowers your cost and raises abandonment.

White label and mass payouts#

Both documented, alongside invoicing. For a platform paying out to many recipients or reselling checkout under its own brand, that combination is the reason to be on this card rather than a cheaper one.

As everywhere in this category, the white-label tier carries no published price. The white-label list covers the six providers offering it and the questions worth asking about how it is charged.

Built for verticals banks decline#

Igaming, forex and high-risk appear alongside ecommerce on the public pages, and the network list adds Dogecoin to the usual Bitcoin, Ethereum, Tron and BNB Chain base.

Acceptance is decided case by case and no provider here publishes a policy. Get a written yes for your jurisdiction and vertical before any integration work, because a declined application after a build costs the engineering time twice.

What is not published#

The processing rate, the conversion spread, an asset count, fiat settlement, recurring billing and point of sale. Six fields recorded as not disclosed, putting disclosure at 68%.

An API and nothing else among integrations means every storefront is a build. For a team with engineering capacity that is neutral; for a merchant without one it decides the matter.

Who should shortlist this#

A high-volume, high-risk merchant with developers, who is prepared to negotiate and wants white label or mass payouts. That combination is specific and this card serves it better than most.

A platform reselling processing under its own brand, for the same reasons, provided the sub-merchant questions are asked properly first.

Who should not#

A merchant who needs to know the price before committing. There is no version of this evaluation that does not begin with a sales conversation, and Speend publishes 0.5% for a comparable vertical range.

A store without engineering capacity, since no platform integrations are published at all.

How this card scores where it does#

Every criterion sits mid-field, which is the honest result for a provider that publishes its withdrawal terms and nothing about price. Cost scores on what is published rather than on what is rumoured, so the negotiated band does not lift it.

Coverage is held down by the absent asset count rather than by a known-narrow list, and that is a deliberate feature of the method: an unpublished figure cannot earn the score a published one would. Reweight it yourself if a quote in hand changes your view.

One thing to establish for your own case#

The rate, in writing, at your turnover and in your vertical. Everything else on this card is published and checkable; that one number is not, and without it no comparison against a published competitor means anything.

Ask for the conversion spread in the same email. It is the other unpublished component and it is usually the larger one for a business settling into bank currency.