Choosing a Crypto Payment Processor: 10 Services Compared by Total Cost

Your customers keep asking to pay in USDT, card payments keep failing or taking a week, and the roundups you just opened all list the same names with the same praise. They also share one blind spot: the headline rate — 1%, 0.5%, "no fees" — is the smallest piece of what you will pay. Below, every service gets the same line: what one $100 payment actually costs you.

Before you compare prices, answer one question. After a customer pays, what do you want to be holding — money in your bank account, or crypto in your wallet? That answer sets your rate, your payout cost, and whether you will hand over company documents before you can take a single payment. If you want the mechanics of acceptance from the beginning, they are in our guide to accepting crypto payments as a business.

The short version: find your situation

You want euros or dollars landing in your bank account. BitPay, CoinGate, TripleA. Expect 2–3% all in where the price is published at all, and expect document checks.

You are fine holding crypto and just need it tied to orders. NOWPayments, CryptumPay, Plisio. Roughly a third to half the price, lighter paperwork, your own bookkeeping.

You move large volume. B2BinPay — 0.40% where the common rate here is 1%, with a fiat deposit minimum that tells you honestly who it was built for.

Your customers already live on Binance. Binance Pay, and read its monthly minimum before anything else.

You do not know your volume yet. Cryptomus and CoinPayments price by conversation rather than by tariff.

Each of those five situations has its own section below, under the same wording. Rates are as of August 2026, and every card but ours links to the vendor page its numbers came from — check that page on the day you sign up, because pricing on this market moves.

What accepting crypto costs: four line items

1. The acceptance fee. The percentage on the landing page, taken from every payment. It is the only number most comparisons mention.

2. Conversion. Crypto into fiat, or one coin into another. This is where advertised prices quietly triple: CoinGate charges 1% per transaction, and paying you out in euros with conversion costs another €0.50 + 1.5%.

3. The payout. Moving money out is priced separately almost everywhere — CoinGate charges €0.50 + 1.5% to pay you in euros, 0.5% over SWIFT; B2BinPay charges nothing at all on outgoing transactions.

4. The network fee. Moving crypto costs money on the blockchain itself, and that cost lands on top of the rate. Almost nobody publishes a figure; B2BinPay is the exception, listing a minimum commission per network: $0.02 on Solana, $1.00 on Ethereum, $3.00 on TRON. Those are one provider's minimums rather than the price of a network in general, and they make the point anyway — on a $20 order, the network you agreed to accept can cost more than the percentage you were comparing on. Which is why choosing which USDT network to accept is a pricing decision, not a technical one.

The same $100, three different bills

You want euros in a bank account, via CoinGate. Acceptance 1% = €1.00. Payout with conversion €0.50 + 1.5% = €1.99. Total €2.99 — three times the advertised rate, and the reason this section exists.

You are staying in crypto, via NOWPayments. Acceptance 0.5% = $0.50, and that is the whole bill: no conversion, no fiat payout. Only two of the four line items apply to you, plus the network fee when you move the money.

You are at volume, via B2BinPay. Acceptance on coins 0.40% = $0.40, outgoing transactions 0%. The catch is not the rate but the entry: fiat deposits start at €5,000.

The mechanics behind each component are unpacked in our piece on how crypto payment fees work.

Three numbers that travel from roundup to roundup

"Binance Pay is free." Its own merchant fee documentation states 1%.

"CoinGate supports 70+ cryptocurrencies." Its supported currencies page lists eleven.

"CoinPayments supports 2,000+ coins." The site now says 40+.

Before trusting any list, open the provider's own pricing page. Nine of the ten cards below link to one; the tenth is our own card, written in first person.

If you want fiat in your bank account: BitPay, CoinGate, TripleA

Here you are buying a regulated financial service, so document checks are part of the deal and the price is roughly double the crypto-only route. Two of the three publish a price you can compare, and the choice between them is region and speed. BitPay's $2.25 buys daily settlement: that is cash-flow money, and the New York licence matters if your counterparties ask who regulates your processor. CoinGate costs about €3, and what it sells is a weekly euro payout over SEPA to a European account — reasonable if that is exactly your setup, poor value if it is not. TripleA does not publish a usable price at all, which puts it in a different bracket: you would go to it for the Singapore licence and the local-currency payouts, not because you compared its rate, because you cannot.

BitPay

Take it if you want daily settlement into a bank account from a US-regulated counterparty.

• $100 payment costs you $2.25 at normal volume — that is 2% + $0.25. From $500,000 a month it drops to 1.5% + $0.25 ($1.75), and only from $1,000,000 to 1% + $0.25 ($1.25). The famous "BitPay charges 1%" is the million-dollar tier.
• High-risk industries pay more, and that rate is not published — you will learn it in the application.
• Money out: settlement is daily, in USD, EUR, GBP, CAD, AUD, NZD or Mexican pesos, with no separate payout fee on the pricing page. Crypto settlement is also available.
• Paperwork: merchant verification is part of signing up. It holds NMLS ID #1496848 and a Virtual Currency Business Activity licence from the New York State Department of Financial Services. Accepts BTC, BCH, ETH, DOGE, LTC, XRP and stablecoins including USDC, DAI and EURC.

Skip it if your margin cannot absorb 2% + $0.25: at small volume you are paying for the banking rail and the licence, not the technology. Numbers are on BitPay's pricing page.

CoinGate

Take it if you want euros or pounds in a European bank on a weekly cycle.

• $100 payment costs you about €3.00 if you want fiat: 1% acceptance (€1.00) plus a payout with conversion (€0.50 + 1.5% = €1.99). Keep the crypto instead and the same payment costs about €2.00.
• The Standard plan is 1% per transaction with no monthly fee; Enterprise terms are individual and unpublished.
• Money out: weekly on Standard, in USD, EUR or GBP via SEPA and SWIFT. Other lines are priced separately — 0.5% over SWIFT, 1% for a manual currency conversion, €0.25 + 0.1% for a refund.
• Paperwork: verification asks for tax filings or a bank statement plus the director's ID. No licence or jurisdiction is published. Accepts eleven cryptocurrencies: BTC, LTC, ETH, XRP, TRX, DOGE, BNB, POL, USDC, SOL, EURC.

Skip it if you need a long coin list or same-day money — you are paying the highest fiat price in this group for a weekly cycle. Terms are on CoinGate's pricing page.

TripleA

Take it if you want a Singapore-licensed processor paying out in local currencies.

• $100 payment: cannot be calculated. TripleA has no working public pricing page. Its help centre describes a flat 1% on payments and payouts, which would make it $1.00, but that page does not open reliably and the vendor publishes no rate card to check it against — so treat 1% as the figure to confirm in writing, not as a price.
• Money out: payouts come in stablecoins or local currencies; the settlement timing is not published either.
• Paperwork: licensed as a Major Payment Institution by the Monetary Authority of Singapore under the Payment Services Act — the licence is confirmed in the MAS register, which is more than most of this list can show.

A separate 0.8% turns up in the same help text, attached specifically to a bitcoin-to-bitcoin withdrawal rather than to your revenue in general — so what you pay to get money out is a question for their sales team too. Skip it if you are choosing on price: the regulator will tell you TripleA is real, and only a salesperson will tell you what it costs. Its site is at triple-a.io.

If you are staying in crypto: NOWPayments, CryptumPay, Plisio

Prices here are a third to a half of the fiat group, and the obvious question follows: why pay CryptumPay's 1% when NOWPayments and Plisio publish 0.5%? The honest answer is that the half point buys handling, not acceptance. NOWPayments at $0.50 leaves you holding the coin the customer sent — if that was BTC and you needed dollars-worth, its price is your problem, and converting it there costs 1% anyway, which is the same $1.00. CryptumPay's 1% converts every incoming payment to USDT the moment it is credited and lets you pull it to your own wallet with no minimum, so the volatility question never arrives. Plisio matches that 0.5% and adds a plan with no transaction fee at all, and it is the thinnest of the three: twelve assets, no published licence, no published verification policy — fine for a side product, thin for your main revenue line.

NOWPayments

Take it if you will keep the coin you were paid in and want to start without a document pack.

• $100 payment costs you $0.50 in a single currency. If the service has to convert between coins, it is 1% — $1.00.
• The network fee sits on top of that rate and is not included in it.
• Money out: no fiat withdrawal is described on the pricing page, so plan on receiving crypto. Volume discounts exist, but the thresholds are unpublished — budget at the list rate.
• Paperwork: no licence details published. For crypto-only merchants the service says it asks for documents solely in the rare case where a specific transaction is flagged as suspicious. Its pricing page claims 350+ currencies while its own supported-coins page says more than 300 — the vendor does not agree with itself, so treat either number as "the coins you need are probably there" rather than as a comparison point.

Skip it if you need money in a bank account: the cheap rate exists because the fiat side is somebody else's problem. Rates are on its pricing page.

CryptumPay

Take it if you are paid in crypto but do not want to hold anything volatile, and want your money on your own wallet on your own schedule.

• $100 payment costs you $1.00 — we charge 1% per successful payment, from 0.5% at large volume by agreement. The fee can be passed to the customer instead.
• The half point over a bare 0.5% service buys handling: we convert every incoming payment to USDT the moment it is credited, so an order paid in BTC is not exposed to the next hour of the market, and we resolve underpayments and overpayments ourselves.
• Money out: withdrawals go to your own wallet at any time, manually or automatically, with no minimum amount. Suspicious funds are held before they reach your balance rather than clawed back afterwards, so they never mix with the rest of your revenue. We accept BTC, ETH, USDT, TRX, BNB, SOL, TON and XRP among others, with USDT in several networks.

Skip it if you need fiat paid out to a bank account — that is the first group's job. Large-volume terms are agreed case by case.

Plisio

Take it if you want a 0.5% crypto-settled gateway and can live with a short asset list.

• $100 payment costs you $0.50 on the Gateway API plan (0.5%). The Wallet plan charges no transaction fee at all; White Label is 1.5% — $1.50.
• The three plans are the whole published price list; nothing else about the cost of running it is stated.
• Money out: payout timing and any fiat withdrawal route are not published — assume you are settling in crypto.
• Paperwork: no licence, jurisdiction or verification policy is published. Supports twelve assets: BTC, ETH, BCH, XMR, DASH, LTC, ZEC, USDT, USDC, TUSD, DOGE and SHIB.

Skip it if your customers pay in anything outside those twelve, or if you need to tell a partner who regulates your processor. Plans are on Plisio's pricing page.

If you move large volume: B2BinPay

One name here, because at real volume the arithmetic stops being close: 0.40% against the 1% that CoinGate, CryptumPay and Binance Pay all charge is $6,000 a year on a million dollars of turnover, and outgoing transfers cost nothing on top.

B2BinPay

Take it if you are moving serious volume and want the lowest acceptance rate any gateway here publishes.

• $100 payment costs you $0.40 on coins at $0–1M a month, falling to $0.25 from $5M. Stablecoins and tokens cost $0.50, falling to $0.35. Outgoing transactions are 0%.
• Fiat deposits: SEPA 0.80% + €5, SWIFT 0.80% + €35/$35 — both with a minimum of €5,000 or $5,000, which is the real entry ticket.
• Money out: crypto settles immediately, fiat the next business day.
• Paperwork: licensed in El Salvador by the National Digital Assets Commission and the Central Reserve Bank, and in Mauritius as a VASP under licence GB24203002. Accepts BTC, BCH, ETH, XRP, USDT, LTC, XLM, TRX, BNB, PAX, USDC and ERC-20, BEP-20 and TRC-20 tokens.

Skip it if your fiat deposits are smaller than €5,000 — below that line the service is not built for you, whatever the rate says. The full grid is on B2BinPay's fees page.

If your customers already live on Binance: Binance Pay

Also one name, and the one place in this article where a small shop can lose real money by trusting a roundup. The 1% is fine; the monthly minimum underneath it is not.

Binance Pay

Take it if your customers already keep balances on Binance and your quarterly turnover clears $90,000.

• $100 payment costs you $1.00 — 1% for Mini Program merchants, not zero.
• Below $90,000 quarterly turnover you are a Tier B merchant and pay that 1% plus a minimum monthly charge of $1,000. At $10,000 of monthly turnover that is $1,000 + $100 = $1,100 a month, about 11% instead of one — the most expensive option in this article by a distance.
• Money out: the separate payout product costs 0.80% of the amount, capped at $5, since 1 December 2024.
• Paperwork: no licence details in its merchant fee documentation. Russia sits on the official list of countries not supported for Binance Pay merchants, alongside the US, Iran, North Korea and Cuba among others.

Skip it if you turn over less than $90,000 a quarter. The fee conditions are published in Binance's own fee documentation.

If your price will be negotiated: Cryptomus, CoinPayments

Both of these price by conversation, and they are not the same bet. Cryptomus at least publishes a starting point — 2% — so you know what you pay while you wait for a better number. CoinPayments publishes nothing, which means it cannot enter your comparison until someone answers your email. If you are choosing this week, that difference is the whole comparison.

Cryptomus

Take it if you are willing to negotiate instead of taking a published rate.

• $100 payment costs you $2.00 to start — 2% for new users. On request it comes down to as little as 0.4% ($0.40), depending on business type, monthly turnover and how you integrate.
• Transfers between your own wallets inside the service — Personal, Business and the rest — are free.
• Money out: withdrawal fees, fiat conversion costs and settlement timing are not published.
• Paperwork: verification requirements, licensing and jurisdiction are not published either, and neither is the number of supported coins.

Skip it if you need to know your cost before you register: at the starting 2% you are paying five times B2BinPay's rate until someone agrees to move you. The starting grid is on the Cryptomus fees page.

CoinPayments

Take it if you want a long-established processor and do not mind getting your price by email.

• $100 payment: cannot be calculated — the service publishes no numeric rate anywhere on its site. That is the verdict on this card, not a gap in it.
• It does publish one costed claim: up to 90% saved on withdrawal fees by batching payouts from several addresses into one transaction, which is worth something if you pay out constantly.
• Money out: settlement timing is not published.
• Paperwork: no licence details published. 40+ cryptocurrencies officially — the "thousands of coins" in older comparisons no longer matches the vendor's own page.

Skip it if you are comparing on price this week; you cannot. Its current asset list is on the CoinPayments site.

Connecting it to your site: six steps

It works the same way almost everywhere, and it is an evening's work rather than a project.

1. Register and pass verification, if the service asks for it.
2. Choose what you get paid in — crypto or fiat — and which coins and networks you will accept.
3. Generate an API key in the dashboard.
4. Connect the front end: a plugin if your shop runs on a CMS, a payment link if you have no site, or the API if you built your own checkout page.
5. Set up the payment notification — the webhook, a message from the provider to your server — that flips the order to "paid". The failure modes are covered in our article on crypto payment webhooks.
6. Make one live payment with real money. Then, if your provider's invoice accepts whatever amount the customer sends, pay a second one $3 short.

That last test is the one worth insisting on. An invoice for $100 paid with $97 has to be resolved by somebody — automatically, by support, or by you — and you want to know which before a customer finds out for you.

On WooCommerce or Shopify, do not let the plugin question pick your provider. It decides step 4 and nothing else: not your rate, not your payout currency, not who holds your money between payment and settlement. If your provider ships a plugin for your platform, step 4 is a ten-minute install; if it does not, two fallbacks work everywhere — a payment link, which needs no site and no code, and the API, which needs your developer for a day. Take the questions from our API checklist into that conversation.

Who holds your money, and will you be asked for documents

Someone is holding your funds between the payment and the payout — the only question is who. In the custodial model, which is how every service in this article describes its flow, that someone is the provider: your money sits on their balance until you withdraw, and you are trusting their solvency and their compliance desk. Non-custodial gateways exist, where funds land on a wallet whose keys only you hold; that removes the trust and hands you the whole job of key management, with no recovery desk to call when a key goes missing. Convenience against control — and if control is what you want, the shortest route is the custodial gateway you withdraw from often rather than one you leave money on.

Whether you get asked for documents follows the same line as the price. Ask for money in a bank account and you are buying a regulated financial service: BitPay, CoinGate and TripleA will all verify you, and CoinGate names what it wants — tax filings or a bank statement, plus the director's ID. Stay in crypto and the requirement thins out. NOWPayments asks crypto-only merchants for documents only when a specific transaction is flagged as suspicious, which is the honest shape of every "gateway without KYC" result: a check you have not triggered yet, not a check that does not exist.

Every serious provider freezes funds that look wrong, and early is better than late. The arrangement you want is one where a flagged deposit is held before it reaches your balance rather than clawed back after you have shipped the order, so ask your candidate which of the two it does. What those checks look for is in our piece on AML checks in crypto payments. And if a price move between the sale and the payout would hurt your margin, settle in a stablecoin — the reasoning is in protecting revenue from volatility.

One legal note before the practical stuff. Rules differ sharply between jurisdictions and several restrict or prohibit accepting cryptocurrency as payment for residents; only Binance Pay publishes a country list, so for the rest read the terms of service for your country before you build. This is general information as of August 2026, not legal or tax advice.

Why a wallet address in the order form is not processing

You can paste a USDT address into your checkout page today, for free. What you get back is a wallet that says 100 USDT arrived and cannot say which order it belongs to — not the customer, not the invoice, not whether it was two orders of 50. Matching money to an order is the one job a payment layer does and a wallet never will.

That matching arrives in one of three shapes, and it is worth knowing which one you are buying: an invoice you can send by messenger with no website involved, a payment button on your site, or an API that handles orders, incoming payments and payouts together. CryptumPay offers all three; on the other nine, check which shape you get before you sign up, because that is what your evening of work will actually look like. If you run a shop, the assembly order is laid out in accepting crypto in an online store.

What to do today

1. Answer the holding question — bank account or wallet. That halves the list in one move.
2. Compare the $100 line in the cards of the two names from your group, then confirm both numbers on the vendor pages linked there.
3. Open an account with the winner, connect a payment link or a plugin, and run one real payment plus one deliberate underpayment.

And if your answer is staying in crypto and settling in USDT, start with CryptumPay: create an invoice link in the dashboard and send it to your client by messenger — no website or code involved.

If you invoice international clients rather than run a shop, the same arithmetic holds with one change: payout frequency starts to matter more than the percentage, because money sitting on a provider's balance is money you cannot spend.