Crypto payment vs Card payment
Paying for hosting with crypto vs a credit card
A card payment creates a permanent, identity-linked record at your bank, the card network and the merchant, and can be reversed for up to 120 days. A crypto payment settles in minutes, is final, and links to no banking identity. The trade-off is real: no chargeback protection, and price volatility on non-stablecoins between invoice and confirmation.
| Dimension | Crypto payment | Card payment |
|---|---|---|
| Identity linkage | None | Bank, network and merchant |
| Settlement | Minutes, final | Days, reversible |
| Chargebacks | None | Up to 120 days |
| Fees | ~1% network | 2.9% + fixed, paid by the merchant |
| Availability | Global, no bank needed | Requires banking access |
| Volatility | Real, unless a stablecoin | None |
Which should you choose?
Crypto payment
Crypto is the right choice when you want no identity linkage, instant settlement, or hosting without a bank account.
Card payment
A card is the right choice when you need buyer protection or corporate expense reconciliation.
Frequently asked questions
What happens if the price moves after I pay?
The invoice locks a rate for its lifetime. We accept up to 3% underpayment automatically; larger shortfalls are held and either topped up or refunded.
Can I get a refund on a crypto payment?
Yes, within seven days of first provisioning, sent back to an address you nominate. It is a refund, not a reversal — we initiate it, not your bank.