goodPayments is a non-custodial crypto payment processor that accepts payments in USDT and TRX on the TRON network. The service transfers funds directly to the merchant's wallet and charges a fee of 6.5/13 TRX ($2.15/4.30) without taking a percentage of the transaction volume.

Let’s explore how the product works and at what transaction volume the fixed fee becomes cost-effective.

Advantages of Crypto Payment Processing

According to Chainalysis, the adjusted volume of on-chain transactions in stablecoins is expected to reach $28 trillion by 2025. By 2035, this figure could grow to $1.5 quadrillion, surpassing the current global cross-border payment market.

A significant portion of this volume flows through TRON, which, as of April 2026, holds 45% of USDT issuance. According to CoinDesk Data, the network processed USDT transfers totaling $2 trillion in the first quarter.

Meanwhile, businesses face high costs with traditional acquiring services. For instance, Stripe charges 2.9% + $0.30 per online transaction, while PayPal charges 3.49% + $0.49.

For segments deemed high-risk by banks, rates can reach 6.5% + $0.20–0.35. Additionally, 5–15% of the transaction volume may be held as a rolling reserve, which is blocked and released after 3–6 months. Until this period expires, merchants cannot access these funds.

Crypto payment services typically offer lower costs, with fees ranging from 0.5% to a fixed amount that does not depend on the transaction size.

Another cost factor is chargebacks. When a customer disputes a purchase through their bank, the funds are deducted from the merchant along with a penalty to the provider. According to a Mastercard report, there were 261 million such disputes amounting to $33.79 billion in 2025. This number could rise to 324 million disputes totaling $41.69 billion by 2028.

Notably, around 45% of chargebacks are related to fraud: either a card was used by someone else, or the buyer intentionally disputes a payment despite receiving the product or service. In on-chain transactions, this mechanism does not exist: a finalized transaction on the blockchain is irreversible.

“Crypto processing has long moved beyond experimentation and has become a fully functional tool, especially in segments where traditional acquiring is either too expensive or can lead to sudden fund freezes,” representatives from goodPayments comment.

Architecture of Crypto Payment Processing

The goodPayments service operates exclusively on TRON with USDT (TRC-20) and the native token TRX. At the time of publication, the team is focused on supporting this blockchain as it remains one of the most popular in the CIS and Eastern Europe for transferring the largest market-cap stablecoin. In 2026, developers plan to integrate four more networks and expand the list of supported tokens.

Merchants create invoices through a personal account or API, specifying the amount, accepted currencies, expiration date, and payment description. They can optionally add an address for automatic notifications about payment status and a return page for customers after payment.

The service generates a payment window with a QR code and a unique address. Two types are supported:

  • temporary — one-time use, valid only during the invoice period (default is 30 minutes). Monitoring stops after payment or expiration;
  • static — a permanent address that accepts an unlimited number of incoming payments.

Once the funds arrive, the next step is initiated. If the merchant has activated AML checks, the transaction is verified against a risk threshold set by the merchant. If it passes the check, the service automatically transfers the funds to the merchant's main wallet, as specified in the personal account settings. According to the team, the time from receiving funds at the temporary address to crediting the merchant's wallet takes 10–15 seconds.

“For each invoice, the system generates a unique wallet and waits for the funds to arrive. After payment, the transaction is checked for AML — this is optional; the merchant can enable or disable the check. Then the funds are transferred to the main wallet specified by the merchant in their personal account,” explain goodPayments representatives.

The private keys to the main wallet are held by the merchant. The service does not have access to them — it technically cannot delay withdrawals, impose internal locks, or close accounts. This distinguishes goodPayments from custodial processors, where funds first go into a shared “hot” wallet of the provider, and the merchant sees them as an entry in an internal ledger.

Personal Account

Registration on goodPayments is not automatic: after filling out the form, the application is sent for manual approval by an administrator, and only after approval is a password sent to the specified email. According to the team, this process takes up to three hours. This procedure filters out bots and mass registrations.

The interface is built around four sections: “Dashboard,” “Balance,” “Invoices,” and “Mass Payments.” The balance of working wallets is displayed in the sidebar and is visible on any screen. The dashboard shows active addresses for receiving payments and a summary of transactions and balance expenditure over the last 24 hours.

Source: goodPayments.

A key feature of the structure is two separate working wallets in TRX:

  • “Transfers” — the main balance from which the service fee (6.5 or 13 TRX) is deducted for transferring funds from the deposit address to the merchant's wallet. No funds are stored here — the balance is used to pay fees;
  • “Activations” — a separate balance for activating temporary addresses generated for invoices. A new TRON address is inactive by default — it cannot make outgoing transactions. If the payer transfers TRX, the network automatically activates the address without charge. However, if USDT is received, this does not happen, so the system sends a technical transaction (0.000001 TRX) from the merchant's corresponding balance, for which 1.1 TRX (TRON fee) is deducted.

The “Invoices” section contains filters for eight parameters: invoice ID, receiving address, transaction hash, label-comment, date range, cryptocurrency, network, payment status, and address type — temporary or static. The table allows sorting by time, amount, status, and searching across all fields. This is important for accounting reconciliation and for exchange services that need to quickly find a specific transaction by hash or label.

The history of fund movements across both wallets is located in the “Balance” section with filtering by period, operation type, and account.

Fixed Fee

The main advantage of the service is the absence of a percentage of the transaction volume. goodPayments charges a fixed amount for processing payments:

  • 6.5 TRX — if the payment is made in TRX; or if the invoice is in USDT and the merchant's main wallet (where all deposits are directed) already contains USDT;
  • 13 TRX — if the payment is in USDT and the merchant's main wallet does not contain stablecoins. After the first USDT credit, all subsequent transactions are processed for 6.5 TRX.

With the TRX rate around $0.33 as of April 2026, this translates to $2.15 or $4.30 per transaction. These figures align with the cost of transferring USDT on TRON — goodPayments does not include a markup in its fees.

The fee is not deducted from the payment amount and is charged to the merchant's balance. If the “Include fees in invoice amount” flag is activated, the fee is added to the total and passed on to the payer. If the balance is zero, invoice processing is paused until it is replenished.

The economics of the fixed fee become favorable as the average transaction size increases. The table below compares goodPayments with traditional acquiring (Stripe) and typical crypto processing that charges 1% of the amount plus a network fee of $2.15 for transfers:

Transaction AmountgoodPayments ($2.15)Stripe (2.9% + $0.30)Crypto Processing (1% + $2.15 network fee)$10$2.15 (21.5%)$0.59 (5.9%)$2.25 (22.5%)$50$2.15 (4.3%)$1.75 (3.5%)$2.65 (5.3%)$100$2.15 (2.2%)$3.20 (3.2%)$3.15 (3.2%)$200$2.15 (1.1%)$6.10 (3.1%)$4.15 (2.1%)$500$2.15 (0.4%)$14.80 (3.0%)$7.15 (1.4%)$1000$2.15 (0.2%)$29.30 (2.9%)$12.15 (1.2%)$10,000$2.15 (0.02%)$290.30 (2.9%)$102.15 (1.0%)

The breakeven point with traditional acquiring is at a transaction amount of $64: from this amount onward, goodPayments is cheaper than Stripe (2.9% + $0.30).

Compared to crypto processing with a 1% fee plus network charge, goodPayments is more cost-effective at any transaction size. Both services incur the same network fee of $2.15 for transfers on TRON, but the percentage-based processor additionally charges 1% of the amount, while goodPayments does not.

For segments with an average transaction size over $100, the savings become significant. A basic case presented by the goodPayments team involves a monthly turnover of $100,000 with 1,000 transactions of $100 each:

“A client had been using a crypto processor with a 1% fee on turnover plus network fees. They processed $100,000 monthly, with payments of $100 each. Total: 6.5 × 1000 = 6500 TRX, about $2080 in network fees, plus $1000 in turnover fees. With goodPayments, they only pay $2080 — a savings of over 30%.”

For high-risk segments, the difference is substantial. With a monthly turnover of $500,000 and 3,333 transactions of $150 each, processing with a 6% fee would cost $30,000 plus an insurance reserve of 5–15% of turnover. The same volume through goodPayments would cost $7,165. The difference is about $22,800 per month, not including the frozen reserve.

AML Checks: Customizable Risk Threshold

The AML module in goodPayments is optional. When activated, each incoming transaction is checked against a risk threshold set by the merchant, ranging from 0–100%. If the risk value exceeds the threshold, the funds are returned to the sender; if it is below, the transaction proceeds to the merchant's wallet.

Source: goodPayments.

Each check costs $1, deducted in TRX at the current rate from the main balance. The fee is charged regardless of the outcome — both for passing and for being declined. The history of checks, including transaction hashes, risk values, and PDF reports, is stored in the personal account.

According to project representatives, the main clients of the module are exchange services, for whom verifying the “cleanliness” of incoming funds has become routine:

“If a merchant does not use AML and aggregates all deposits in one wallet, a 'dirty' transaction will mark the entire address. We provide the ability to accept payments to temporary addresses, check them, and only then direct them to the main wallet. If the contamination exceeds the threshold, the transaction is immediately returned to the sender,” explain goodPayments representatives.

POS Terminal for Offline Businesses

In addition to online processing, goodPayments is developing a POS solution for offline locations. According to the team, the cashier enters the amount, the POS generates a QR code, and the customer pays from any compatible wallet, with confirmation received in 10–20 seconds.

Source: goodPayments.

The service offers automatic conversion of USDT into rubles, US dollars, or euros, credited to the settlement account. Three modes are available: accepting cryptocurrency, accepting with automatic conversion to fiat, or a combined option.

“Conversion is done through an external partner — a licensed exchange service. The merchant signs a contract with them, after which they receive an address for accepting funds. This address is passed to us, and we set up automatic forwarding of all deposits to the partner's wallet, where the conversion occurs.

Settlement terms are determined individually: some merchants choose daily payouts, others weekly or monthly. The fee depends on the currency and country. For example, one of our clients converts funds into dirhams with a 2% fee,” explain goodPayments representatives.

Integration takes one business day, and staff training takes about half an hour. Target industries include restaurants, hotels, retail, tourism, and healthcare.

Mass Payments and Referral Program

In April 2026, goodPayments announced two updates that expand the functionality of the personal account.

Mass Payments. This tool allows sending TRX or USDT (TRC-20) to hundreds of addresses in one operation. Recipients can be added manually or uploaded via a file in XLSX, CSV, or TXT format (up to 5 MB). The process occurs in three steps:

  1. The merchant selects the currency and uploads the list of addresses with amounts.
  2. They see a summary: the number of transactions, total payout amount, goodPayments fee in TRX, and separately the cost of activating new addresses (if the recipient has not previously held USDT).
  3. The service generates a temporary address. Once funds are received, the distribution starts automatically.

Progress is displayed in real-time. If there are insufficient funds at the temporary address, the service will indicate the missing amount. The history of distributions is stored in the “Invoices” section with a filter for the address type “Distributions.”

Source: goodPayments.

Referral Program. Each merchant has access to a personal referral link in their account. A new merchant who registers through this link is automatically associated with the referrer. The bonus is 5% of each deposit to the main wallet (transfer balance) of the referred partner.

The amount is immediately credited to the referrer’s transfer balance — it can be used to pay fees, mass payments, or withdrawn. Deposits to activation wallets, invoice payments, and other operations do not count. The program page displays statistics: the total amount of bonuses accrued in TRX and the number of partners referred through the link.

Source: goodPayments.

Who is goodPayments Suitable For?

goodPayments is a non-custodial processor for linking TRON + USDT with a fixed fee model equal to the network fee. The service does not take a percentage of the turnover and does not hold users' funds.

The product is suitable for merchants with an average transaction size of $65 or more. For amounts between $100 and $200, savings against Stripe and PayPal range from $1 to $4 per transaction, and for amounts over $1000, savings can reach into the tens of dollars. For micropayments, the fixed fee is less favorable compared to traditional acquiring, as Stripe's fees are lower for small amounts. However, against crypto processors with percentage fees, goodPayments is advantageous at any transaction size.

Strengths include direct transfers to the merchant's wallet within 10–15 seconds, customizable AML with automatic returns of “dirty” funds, mass payments via XLSX/CSV, and a 5% referral program. Weaknesses include operation only on the TRON network and reliance on an external partner for fiat withdrawals.

Product updates and announcements of new networks are available in the Telegram channel. Questions about integration and the POS solution can be directed to the manager.

FAQ

What is goodPayments?

goodPayments is a non-custodial crypto payment processor for accepting payments on the TRON network: USDT (TRC-20) and TRX. Funds are transferred directly to the merchant's wallet, and the service does not hold them.

What fees does goodPayments charge?

The service fee for transferring funds to the merchant's wallet is 6.5 TRX if the payment is in TRX or if the merchant's main wallet already contains USDT; 13 TRX if the payment is in USDT and the main wallet does not contain USDT. As of April 2026, this amounts to $2.15 or $4.30 per transaction. Additionally, 1.1 TRX is deducted from the activation balance for activating a temporary address when receiving USDT. AML checks are optional and cost $1 per address. There are no other fees.

What cryptocurrencies and networks does the service support?

As of April 2026, it supports only USDT (TRC-20) and TRX on the TRON network. The team states that they plan to integrate at least four new networks and expand the list of tokens in 2026.

Is it safe to accept payments through goodPayments?

The service operates on a non-custodial model: private keys are held by the merchant. The optional AML module returns “dirty” transactions to the sender before they are credited to the main wallet. The risk threshold can be set from 0 to 100%.