A side-by-side reading of Unheld and Coinbase Commerce, taken from published pricing pages rather than marketing claims.
Unheld takes no share of the payment and asks you to run nothing. You pay a flat subscription, and the money arrives on an address only you control.
| What you are comparing | Unheld | Coinbase Commerce |
|---|---|---|
| Share of payment value | 0% | 1% |
| Who holds the money | You — funds land on your address | The provider, until settlement |
| Business verification | Not required | Required |
| Payout to a bank in fiat | No | Yes |
| Server you run yourself | No | No |
Every figure here is read from the provider's own published page on the date shown. Providers change pricing without notice — open the source before deciding.
Source: https://www.coinbase.com/commerce/faq· Checked:
Coinbase Commerce: The provider, until settlement. With Unheld the answer never changes — the payment lands on an address only you control, so there is no balance for anyone to hold, freeze or lose.
Coinbase Commerce takes 1% of the payment value, read from its own published pricing on 2026-08-25. Unheld takes none of it — a flat monthly subscription based on transaction count, so your cost does not rise with your order value.
Coinbase Commerce: Required. Unheld asks for no business verification before you can take a payment, because there is no account holding your money that would need one.
Coinbase Commerce: No. Unheld is hosted and still non-custodial, so keeping your own keys does not cost you a server to maintain.