
Zoom-in
The fee model is the message.
A retail card payment in 2026 costs the merchant somewhere between 1.5% and 3.5%. Interchange, scheme fees, processor margin, gateway, PCI — it stacks up.
On a $100 sale, the merchant keeps between $96.50 and $98.50, and the customer often eats the cost twice through surcharges and higher menu prices.
BitPay charges 1% on top of all that, and converts your customer’s BTC into fiat whether you asked for it or not.
GoBTC Pay is 0% for the user and 0.2% for the merchant. On a $100 sale, the merchant keeps $99.80.
But the more interesting number is where that 0.2% goes.
It doesn’t sit on a balance sheet in San Francisco. It is split in half and sent back into the network that produced the transaction:
→ 0.1% to the miners in GoMining’s pool, pro-rata to hashrate.
→ 0.1% to the wallet that initiated the payment.
We keep nothing on third-party flow. Every basis point routes back to the people running the rails.
Card networks extract value from every swipe. GoBTC Pay routes value back to the network. That isn’t a tagline. That’s the protocol.
Read the full blog article: https://gomining.com/blog/gobtc-pay-bitcoin-finally-as-money