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Comparison

vs Coinbase Commerce —
whose wallet does it land in?

Coinbase Commerce has the biggest brand in crypto checkout and real strengths we don't — stablecoins and multi-chain acceptance chief among them. But since the self-managed product was retired, payments settle through a Coinbase account. chainkit makes the opposite bet: Bitcoin only, settled straight to an address derived from your xpub, with keys we never see. Here's the whole picture so you can pick the trade-off that fits.

chainkit-cloud
Coinbase Commerce

chainkit figures are live from our pricing API. Coinbase Commerce figures are from their published pricing as of July 2026 — check their site for the current numbers.

Custody model

  • Funds go directly to a wallet whose keys you hold

    Commerce retired its self-managed (self-custody) product in 2023; payments now settle through your Coinbase account. chainkit derives a fresh address from your xpub — the money never touches us.

  • Merchant retains the private key on every flow
  • xpub rotation per invoice (no address reuse)

Pricing

  • Free tier

    chainkit Free renews every calendar month; Commerce has no free allowance.

    Free · up to 25 invoices / mo
    none — 1 % from the first charge
  • Paid tier — entry
    €29 / mo + 0.75% settled — pay the greater
    1 % per charge
  • Paid tier — growth
    €99 / mo + 0.45% settled — pay the greater
    1 % per charge
  • On €10,000/mo settled volume

    chainkit is cheaper above €2,900/mo settled — before counting conversion costs on the Coinbase side, and the gap widens with volume.

    €75 (Launch)
    €100 (flat 1 %)
  • Cost to end up in fiat

    Commerce settles into your Coinbase account; systematic conversion to fiat adds spread on top of the processing fee. chainkit settles BTC to your wallet — converting (or not) is your call.

    your exchange, your rate
    conversion on top of the 1 %

Payment rails

  • On-chain Bitcoin settled to your own wallet

    Commerce is EVM-first today (Base, Ethereum, Polygon, Solana); Bitcoin acceptance routes through Coinbase custody.

  • Stablecoin + multi-chain acceptance (USDC, ETH, …)

    Coinbase's genuine strength. If your customers pay in stablecoins across chains, Commerce fits better — chainkit is Bitcoin-only by design.

  • Hosted, brandable checkout page

Developer surface

  • Public Go SDK (intent + watcher + signature verify)

    chainkit ships sdk/payment as part of chainkit-go-sdk; Commerce official libraries target JS/Python.

  • Webhooks (HMAC-signed)
  • Cloud-side watcher (server you don't run)
  • SDK-side watcher (so your app sees confirmations first)

Receipts + tax

  • PDF invoice + receipt with VAT id + tax breakdown

    chainkit's receipt embeds the merchant's VAT id + tax math from an immutable snapshot at issuance — quarter-end paperwork Commerce leaves to you.

  • Bulk receipts ZIP for quarter-end
  • CSV / JSON invoice exports

Privacy + compliance

  • Start issuing invoices without business KYC

    Commerce requires a verified Coinbase business account (it holds funds, so it must). chainkit holds nothing, so signup is instant.

  • Customer PII redaction endpoint (GDPR "forget")
  • EU-based hosting + processor

Ready to plug it in?

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This page summarises Coinbase Commerce's published pricing and product surface as of our last review. Their docs are the canonical source — verify before you make a switching decision. See all comparisons, or jump to vs Blockonomics and vs OpenNode.