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Provider comparison

Compare crypto payment gateways by what you keep

Start with the amount the merchant keeps, then inspect settlement, network movement, integration, and operational controls behind it.

Paymos publishes this comparison. Figures for Paymos come from its published pricing and product terms, as of the review date. Provider facts come from linked official sources checked on the dates shown. The merchant's signed contract or dashboard quote takes precedence.

Paymos facts last reviewed: Read the methodology

Paymos product proof

Four facts to test before comparing providers

01

About 10 minutes to a first live payment

The normal self-serve benchmark takes about 10 minutes from sign-up: create a project, test in Sandbox, switch the dashboard to Production, create separate live credentials, create a live invoice, and reach the point where its payment is broadcast or first detected on supported mainnet. The benchmark stops there: blockchain confirmation and finality depend on the network, amount, and conditions. It is not an SLA.

02

Start without an upfront document pack

You can begin without submitting business documents upfront and without manual Production activation. Verification can still be requested later under risk, limit, or regulatory policy.

03

One contract across test and live modes

Sandbox and Production use the same API contract with separate credentials. Sandbox simulates supported flows; it does not move real assets.

04

Official integration paths for code and CMS

Paymos maintains eight official server SDKs and eight official CMS plugins, alongside direct API integration.

Decision snapshot

What changes the operating decision

01

Time to a live payment

Measure the self-serve path through first broadcast or detection on supported mainnet, then assess blockchain confirmation and finality separately.

02

Verification and activation

Separate upfront onboarding steps from verification that may be triggered later by risk, limits, or regulation.

03

Accepted and settled asset

Check whether the accepted asset reaches the merchant balance unchanged or passes through conversion.

04

Complete payment path

Model processing, fixed charges, payer network cost, collection, conversion, withdrawal fee, and minimum.

05

Integration coverage

Confirm the exact server language, CMS, webhook behavior, and test-to-live contract your team needs.

06

Operational controls

Review custody, signing, withdrawal controls, reconciliation, refunds, limits, and support ownership.

Fee Lab

Compare one invoice through two published cost models

The $25 baseline keeps the invoice, currency, and same-asset assumption fixed. Unknown payer network cost stays unknown instead of being estimated.

Invoice amount
$25.00
Advertised rate
1.0%
Modeled merchant cost
1%
Fee calculation: Paymos
Cost layerAmountEvidence
Processing — merchant$0.25
Paymos · Observed 2026-08-21 · Reviewed 2026-08-21
Processing — payer$0.00
Paymos · Observed 2026-08-21 · Reviewed 2026-08-21
Fixed acceptance feeNot modeled
ConversionNot modeled
Settlement$0.00
Paymos · Observed 2026-08-21 · Reviewed 2026-08-21
WithdrawalNot modeled
Payer network feeUnknown
Paymos · Observed 2026-08-21 · Reviewed 2026-08-21
Modeled merchant receipt$24.75
Payer total debitUnknown

Assumptions

  • $25 invoice on the Standard processing rate.
  • Same-asset settlement; no conversion is modeled.
  • No withdrawal is modeled; its network fee and minimum are route-dependent.
  • The payer covers the send-network fee; its amount is unknown.
Invoice amount
$25.00
Advertised rate
2% + $0.25
Modeled merchant cost
3%
Fee calculation: BitPay
Cost layerAmountEvidence
Processing — merchant$0.50
BitPay · Observed 2026-08-21 · Reviewed 2026-08-21
Processing — payer$0.00
BitPay · Observed 2026-08-21 · Reviewed 2026-08-21
Fixed acceptance fee$0.25
BitPay · Observed 2026-08-21 · Reviewed 2026-08-21
ConversionNot modeled
SettlementNot modeled
WithdrawalNot modeled
Payer network feeUnknown
BitPay · Observed 2026-08-21 · Reviewed 2026-08-21
Modeled merchant receipt$24.25
Payer total debitUnknown

Assumptions

  • $25 invoice on the published tier below $500,000 monthly volume.
  • No conversion or withdrawal is modeled.
  • Bitcoin Network Cost is route-dependent and remains unknown.

Paymos cost path

Follow the payment beyond the processing rate

The payer's wallet pays the send-network fee (gas). Paymos covers acceptance and consolidation network costs and does not add a separate transfer or sweep commission. The accepted asset reaches the merchant balance unchanged. A withdrawal has no processing commission; its disclosed subsidized network fee and minimum depend on the selected asset-network route.

  1. 01

    The payer sends the selected asset and pays the wallet network fee.

  2. 02

    Paymos accepts and consolidates the payment without a separate transfer or sweep commission.

  3. 03

    The same accepted asset is credited to the merchant balance after the 1.0% Standard processing fee.

  4. 04

    The merchant sees the subsidized withdrawal network fee and route minimum before confirming withdrawal.

Provider cards

Inspect each provider on its own terms

Crypto payment gateway shortlist

Legitimate fit
Paymos: merchants that want stablecoin acceptance and same-asset balances without forced conversion.
Settlement result
Models differ: same-asset crypto balances, crypto conversion, and automatic fiat settlement are not interchangeable outcomes.

Provider facts reviewed:

Open comparison

BitPay

Legitimate fit
Merchants that require fiat bank settlement.
Settlement result
Merchants can settle in supported fiat currency, cryptocurrency, or a mix. Fiat settlement introduces a conversion and banking route that is different from receiving the invoice asset unchanged.

Provider facts reviewed:

Open comparison

CoinGate

Legitimate fit
Merchants that need crypto acceptance with optional fiat settlement.
Settlement result
Standard automatic settlement is weekly. CoinGate supports crypto and selected fiat settlement; manual currency conversion is listed at 1%, while automatic checkout conversions are excluded from that manual exchange fee.

Provider facts reviewed:

Open comparison

CoinPayments

Legitimate fit
Merchants that value a broad coin and token catalogue.
Settlement result
Payments can remain in the CoinPayments wallet, forward to another wallet, convert to another asset, or use supported fiat settlement options.

Provider facts reviewed:

Open comparison

Cryptomus

Legitimate fit
Businesses wanting gateway, custodial wallet, exchange, and payout tools in one account.
Settlement result
Funds are held in a Cryptomus business wallet. The platform offers auto-conversion, converted withdrawal, automatic withdrawal, and mass payouts.

Provider facts reviewed:

Open comparison

NOWPayments

Legitimate fit
Merchants prioritizing a very broad asset catalogue.
Settlement result
Merchants can use custody, forward funds, convert assets, run mass payouts, or use fiat conversion where available.

Provider facts reviewed:

Open comparison

PayPal Pay with Crypto

Legitimate fit
Approved US merchants that want crypto as another PayPal checkout method.
Settlement result
Crypto is converted near-instantly and the merchant receives USD on PayPal’s standard funding schedule. The product requires approved US Expanded Checkout and Business Payments eligibility.

Provider facts reviewed:

Open comparison

Stripe stablecoin payments

Legitimate fit
Eligible businesses already using Stripe Checkout, Elements, Billing, Payment Links, or Connect.
Settlement result
A completed stablecoin payment settles in the merchant Stripe balance in the merchant’s local currency, so the stablecoin itself is not what lands. Stripe documents general availability for businesses in the US, a private preview for the European Union, Hong Kong, Mexico and Switzerland, and a $10,000 limit on an individual transaction.

Provider facts reviewed:

Open comparison

Methodology and corrections

Dated sources, stated assumptions, correctable records

Provider claims use first-party pages captured on the shown dates. A signed contract or current dashboard takes precedence over public copy. Route-dependent or unpublished costs remain unknown. If a source or product term has changed, send the dated first-party evidence and we will review the record.

Editorial and comparison policy Send a correction

Fit boundary

Paymos is not the answer to every payment brief

  • You need card processing in the same integration.
  • You require native BTC acceptance today.
  • You need to cash out to a bank account.
  • You require a non-custodial settlement model.
  • Your checkout depends on a native mobile SDK.
  • You need marketplace split payments between multiple sellers.

Validate the fit

Run the same payment path in Paymos

Open the dashboard for the primary path, or start in Sandbox with the same API contract and separate test credentials.

Start with Paymos Start in Sandbox See pricing Read API docs