Where Your Deposit Goes: The Two Percentages on a Crypto Top-Up, Measured
A Cryptomus top-up is invoiced above the balance you asked for and credited below what you paid. Here are both percentages, measured across 2,522 completed deposits, and what the alternatives actually do.
People notice this in the same order every time. They ask for a round balance, the checkout quotes something slightly higher, they pay it, and the balance that appears is slightly lower than the round number they asked for. Two percentages, pulling in the same direction, applied at two different moments.
Both are real, both are configured rather than improvised, and both are measurable across every deposit this site has taken. Here they are.
Follow one top-up through three moments
- You ask for a balance. The checkout invoices you that amount plus a processing percentage set on the payment method. On the Cryptomus route that percentage currently reads three, and across completed deposits the median invoice comes to 103.0 per cent of the balance requested.
- You pay the invoice, and the gateway takes its own commission before the money reaches us. The webhook reports both the amount you sent and the amount that landed as merchant funds, and the second is smaller. That gap belongs to the gateway. We are not going to characterise somebody else's fee schedule, but the difference is visible in the record of every payment and it is not ours.
- We credit the settled amount minus the same processing percentage. Measured across 2,522 completed Cryptomus deposits, the balance credited is 95.6 per cent of what the payer sent, in a very tight band: the tenth percentile is 95.2 per cent and the ninetieth is 95.7. Against the balance you originally asked for, the median credit is 98.4 per cent.
So the honest summary of a Cryptomus top-up is: you pay roughly three per cent above the balance you asked for, you receive roughly ninety-eight and a half per cent of it, and about four and a half per cent of what left your wallet was consumed between the two. Six per cent of deposits credit in full or better. Eight per cent land more than five per cent short of the requested balance, which is where the currency conversion on non-USDT payments shows up.
Who takes what
| Cost | Who sets it | Where you can see it |
|---|---|---|
| Processing percentage added at checkout | Configured per payment method on this site | The invoice is higher than the amount you requested |
| Gateway commission | The payment gateway | The webhook records a merchant amount below the amount paid |
| Processing percentage taken at credit | Configured per payment method on this site | The balance is below the settled amount |
| Commission on your orders | Nobody. No per-order commission is applied | The order total is what leaves your balance |
That last row is worth stating plainly because it is the thing the fee is most often mistaken for. The percentages above are attached to moving money onto the site. Nothing is taken from an order once the balance is there. There is a percentage on the other side of the platform, on supplier payouts, and it is covered further down, because a fee page that mentions one and not the other is not a fee page.
What the alternatives actually do
| Route | Markup at checkout | What we measured |
|---|---|---|
| Cryptomus | Three per cent, configured | Credits a median 95.6% of what you paid, 98.4% of what you asked for |
| Binance / USDT transfer | None configured | Credits the full submitted amount on 94.8% of approved deposits; reviewed by a person |
| Payeer route (Alipay, WeChat Pay) | None configured | The largest deposit route on the site by volume |
| Direct USDT | One per cent, configured | Small volume |
The Binance row deserves the detail, because it is the one people choose specifically to avoid the drag and it has a different shape of cost. There is no percentage configured on it, and it is not automatic. You submit the transfer with proof, and a person reviews and approves it, crediting an amount that defaults to what you submitted. Across 1,879 approved deposits, 94.8 per cent were credited at exactly the amount submitted. The remainder were credited at a different figure, which is what a review is for.
On timing, we are replacing a claim rather than repeating one. This post previously said we usually process within about ten minutes during working hours. There are no working hours defined anywhere in this system, and the measured distribution is wider than that sentence implies. From submission to review: the median is six and a half minutes, just over half of deposits are reviewed inside ten minutes, seven in ten inside an hour, and just under nine in ten inside six hours. One in ten takes longer than six hours. Plan for the median if you are topping up ahead of time, and plan for the tail if you are topping up to buy something right now.
How to read your own receipt
The three numbers to line up, in order, are the balance you requested, the amount your wallet actually sent, and the balance that appeared. The first two should differ by the configured percentage. The second and third should differ by that percentage again plus the gateway's commission.
If the gap between the second and third is materially wider than the figures above, that is worth a ticket, and the useful thing to attach is the payment identifier and a screenshot of the wallet transaction. Reconciliation is done against the stored webhook rather than against the amount either side remembers, so the identifier is what makes it quick. The general route is in how to deposit.
One more thing that runs in your favour and is easy to miss: a deposit bonus is configured with two thresholds, and it credits on top of the deposit as a separate transaction. It fired on roughly one completed deposit in forty-six, which tells you the thresholds are high enough that most top-ups do not reach them. Check the current tiers on the deposit page rather than taking a number from a blog post, including this one.
The percentage on the other side
Buyers ask about deposit fees; sellers ask about the payout. Both belong in the same place, because the answer to "does this platform take a cut" depends entirely on which end you are standing at.
No commission is applied to a marketplace order. That part of the old claim is accurate and it is checkable: the order total is what leaves the buyer's balance and the seller's share is calculated from it without a platform percentage removed.
A percentage is applied to supplier withdrawals, and it is ten. Every withdrawal record on this site carries it, without exception, across the entire history of the platform. The platform's own stored explanation of that fee describes it as funding buyer-side coupons and deposit bonuses rather than as a sales commission, which is a description of where the money goes and not a reason it is not a fee. If you are a supplier working out your net, ten per cent of a payout is the figure to plan on, plus whatever network fee the payout rail charges, which is not ours and varies by rail.
Withdrawals also carry a minimum, set separately for each payout method rather than site-wide, and it is enforced when you submit the request. The figures are on the withdrawal form. The full flow, including what each balance state means, is in withdrawing earnings, and the supplier-side view of the same economics is in what suppliers should demand of a marketplace.
Choosing a route
If you want the amount you pay and the amount you receive to match, use the Binance transfer and accept that a human is in the loop and that a small minority of deposits are approved at an adjusted figure. If you want it settled without waiting for anyone, use Cryptomus and price in the roughly four and a half per cent that the round trip costs. If you are paying from Alipay or WeChat Pay, that route exists, carries no configured markup, and is quietly the busiest one on the site.
For merchants building their own checkout stack rather than buying here, payeer.online covers broader merchant approval paths.
