Compared on five criteria

Crypto payment gateways: the all-in cost at 43 providers

43 crypto payment providers: licences, custody, KYC, and known risks. The main column is the all-in cost — what a 50 USDT payment on Tron costs from acceptance to money in your own wallet. The weights are adjustable: pick a preset or move the sliders.

What matters most to your business

Regulation 10%

Licences, MiCA, regulator actions

Reliability 20%

Years in business, hacks, blockchain-analytics flags

Cost 25%

All-in cost of one 50 USDT payment

Features 15%

Invoices, payouts, fiat, integrations

Ease of onboarding 30%

KYC, time to go live, available countries

The bar in the Score column splits the total by criterion: the longer a coloured segment, the more that criterion added. Click a provider’s row to open its scores by criterion, the cost breakdown, and the list of sources.

Showing 43 of 43

Crypto payment gateway comparison
#						Assets and networks				Licences			Risks
1	Details for Paymos Paymos Active	8.1	General-purpose gateways	Custodial	1.0%	USDT, USDC, USD1, DAI, XAUT; 13 networks	No	None No documents or questionnaire at sign-up	Not found	No public licences stated	Yes Merchant categories are neither approved nor refused — per the terms	Yes	No BTC or other native coins, no withdrawal to a bank account, and no automatic subscription charges. No public SLA.	Partial data
Scores by criterion Regulation 2/10 Reliability 7/10 Cost 9/10 Features 8/10 Ease of onboarding 10/10 How the cost adds up Processing fee 1.0% = 0.50 USDT Transfer to balance not charged Withdrawal fee not charged Total per payment 0.50 USDT of 50.00 USDT 1% is the all-in cost: Paymos covers the transfer from the invoice address to the balance, and withdrawals carry no percentage fee. Worth knowing A 1% fee per paid invoice. There is no separate withdrawal commission, and the network fee is subsidised: on a withdrawal the merchant pays less than the transfer costs. The fee rounds down to the asset’s smallest unit; lower rates on request. Four stablecoins and gold-backed XAUT, accepted on 13 networks and paid out on 11. Eight server SDKs, eight CMS plugins, payment links, an embedded checkout, a browser-based POS terminal, and a Telegram bot. An invoice is issued in one of 46 fiat currencies, and the rate is locked before the payer opens a wallet. Risks No BTC or other native coins, no withdrawal to a bank account, and no automatic subscription charges. No public SLA. Where we looked paymos.io/pricing paymos.io/docs/support/fees-explained paymos.io/docs/payment-flow paymos.io/docs/supported-currencies paymos.io/product/hosted-checkout paymos.io/terms paymos.io/aml paymos.io/docs/support/wrong-network paymos.io/docs/support/refunds paymos.io/product paymos.io/docs/server-sdks paymos.io/docs/testing paymos.io/docs/hosted-checkout paymos.io/docs/support/withdraw-from-dashboard paymos.io/docs/support/team-and-permissions paymos.io/product/terminal paymos.io/product/telegram-checkout Partial data
2	Details for MoonPay Commerce MoonPay Commerce formerly Helio Helio rebrand	7.7	Large payment companies	Non-custodial Payments go straight to the merchant	2.0%	USDC, USDT, ETH, SOL, BTC, and more	Yes Auto-conversion to USD and EUR	None Verification through Sumsub is voluntary — only recommended	Via group MoonPay: CASP, Netherlands	Helio Fintech Limited, England and Wales, no. 13836904. The MoonPay group holds licences, but for other products; Commerce itself states that it is neither a VASP nor a money transmitter	Yes From 2%	No data	None noted	Partial data
Scores by criterion Regulation 7/10 Reliability 8/10 Cost 7/10 Features 8/10 Ease of onboarding 8/10 How the cost adds up Processing fee 2.0% = 1.00 USDT Transfer to balance not charged Withdrawal fee no withdrawal, the money is already yours Total per payment 1.00 USDT of 50.00 USDT 2% is the standard fee; 1% is for holders of their HelioX NFT pass, which is bought separately; high-risk platforms pay no less than 2%. Money goes from the buyer straight to the merchant’s wallet, so there is no transfer to balance and no withdrawal. Worth knowing 6,000+ businesses, according to MoonPay. Payment links, subscriptions, deposits, a checkout widget, and Solana Pay for Shopify. Where we looked support.moonpay.com/en/articles/466267-moonpay-commerce-faqs docs.hel.io/docs/pricing-fees moonpay.com/newsroom/moonpay-commerce docs.hel.io/docs/faq docs.hel.io/docs/terms-of-service moonpay.com/newsroom/mica docs.hel.io/docs/verification docs.hel.io/docs/charges docs.hel.io/docs/deposits docs.hel.io/reference/paylink/overview api.hel.io/v1/currency/all docs.hel.io/docs/subscriptions docs.hel.io/docs/checkout-widget docs.hel.io/docs/solana-pay-shopify-plugin docs.hel.io/docs/helio-sdk docs.hel.io/docs/test-helio-on-devnet docs.hel.io/docs/team-roles docs.hel.io/docs/withdrawals docs.hel.io/docs/telegram-memberships Partial data
3	Details for Paymento Paymento On Tron, connected wallet only	7.1	Non-custodial and self-hosted	Non-custodial	0.5%	9 coins and tokens on 7 networks, including USDT on Tron	No	None No documents requested	Not found	Prokey Technologies Inc. (Ontario) and Paymento Inc, Canadian law; no licences stated	No data	Yes	On Tron they have no address or QR payment at all, in either mode, and it cannot be switched on — their docs: “Embedded Wallet does not currently provide a plain address-and-QR checkout for Tron… cannot be changed”. With a single address, the payer can be identified only through a connected wallet, and the invoice closes by matching the sender’s address. Their own warning: “Customers paying from an exchange account, custodial application, or wallet that cannot connect may be unable to complete these payments”. Paying with a withdrawal from an exchange does not work with them. The 0.5% itself is taken not from the crypto received but from a prepaid balance held with Paymento.	Full data
Scores by criterion Regulation 3/10 Reliability 4/10 Cost 10/10 Features 7/10 Ease of onboarding 8/10 How the cost adds up Processing fee 0.5% = 0.25 USDT Transfer to balance not charged Withdrawal fee no withdrawal, the money is already yours Total per payment 0.25 USDT of 50.00 USDT We count the own-wallet mode: 0.5%, and the merchant pays no gas. On Tron there is one address — your own; the buyer pays straight to it and covers the network fee, and no second transfer exists. Their docs: “Because payments arrive directly in your wallet, there is no settlement step”. In this mode an address per invoice is issued only on UTXO networks, from an xPub; the embedded wallet also issues one on EVM networks and Solana, but not on Tron. Worth knowing Payments to your own wallet or to the embedded one, payment links with recurring billing, and a bot for access to private Telegram groups. The first $15 in fees is free. Pay in instalments (BNPL) is still in development. Risks On Tron they have no address or QR payment at all, in either mode, and it cannot be switched on — their docs: “Embedded Wallet does not currently provide a plain address-and-QR checkout for Tron… cannot be changed”. With a single address, the payer can be identified only through a connected wallet, and the invoice closes by matching the sender’s address. Their own warning: “Customers paying from an exchange account, custodial application, or wallet that cannot connect may be unable to complete these payments”. Paying with a withdrawal from an exchange does not work with them. The 0.5% itself is taken not from the crypto received but from a prepaid balance held with Paymento. Where we looked docs.paymento.io/bring-your-own-wallet/overview paymento.io/fees-and-pricing docs.paymento.io/company/fee-and-pricing paymento.io/supported-assets docs.paymento.io/overview/supported-networks-and-assets docs.paymento.io/overview/wallet-options docs.paymento.io/overview/how-payments-work docs.paymento.io/api-documentation/payment-states-and-confirmations docs.paymento.io/embedded-wallet/overview docs.paymento.io/embedded-wallet/settlement docs.paymento.io/security-and-trust/merchant-responsibilities docs.paymento.io/security-and-trust/security-model docs.paymento.io/accept-crypto-payments/prebuilt-payment-plugins docs.paymento.io/accept-crypto-payments/payment-integration docs.paymento.io/api-documentation/api-overview docs.paymento.io/accept-crypto-payments/testing-and-simulation docs.paymento.io/payment-links/payment-link-overview docs.paymento.io/payment-links/scheduled-and-recurring-payments docs.paymento.io/payment-links/create-payment-links/telegram-group-access api.paymento.io/v1/currencies paymento.io/accept-crypto-payments paymento.io/paymento-vs-coinbase-commerce paymento.io/term-of-service paymento.io/decentralized-buy-now-pay-later esma.europa.eu/sites/default/files/2024-12/CASPS.csv Full data
4	Details for ATLOS ATLOS Active	6.9	Non-custodial and self-hosted	Non-custodial The merchant’s Web3 wallet	1.0%	USDT on Tron, Ethereum, Solana, BSC, Base, Arbitrum, and Polygon	Partly Via the merchant’s exchange account	None No email or phone number	Not found	Operator: ATLOS DAO, with no company details; disputes go to Kleros Court under Singapore law	Yes	Yes	ATLOS takes its fee only from payments made through the smart contract. It cannot withhold the fee from a manual transfer, so the amount owed builds up and is deducted from the next payment through the contract — a single deduction can exceed 1%. A caveat on the pricing page says the rate may vary with the business’s risk.	Full data
Scores by criterion Regulation 3/10 Reliability 3/10 Cost 9/10 Features 5/10 Ease of onboarding 10/10 How the cost adds up Processing fee 1.0% = 0.50 USDT Transfer to balance not charged Withdrawal fee no withdrawal, the money is already yours Total per payment 0.50 USDT of 50.00 USDT The fee is 1% and nothing else: no fixed fees, no withdrawal fee. The smart contract sends the money straight to the merchant’s wallet. Worth knowing A merchant account opens in seconds when you connect a Web3 wallet such as MetaMask: no approval, no verification, and email is optional. Risks ATLOS takes its fee only from payments made through the smart contract. It cannot withhold the fee from a manual transfer, so the amount owed builds up and is deducted from the next payment through the contract — a single deduction can exceed 1%. A caveat on the pricing page says the rate may vary with the business’s risk. Where we looked atlos.io/pricing atlos.io/token atlos.io/faq atlos.io/terms atlos.io/accepted-coins atlos.io/how-does-it-work atlos.io/docs atlos.io/docs/widget/import atlos.io/docs/widget/parameters atlos.io/docs/invoices atlos.io/docs/payouts atlos.io/docs/api/payment/get atlos.io/docs/api/overview atlos.io/integration atlos.io/demo atlos.io/forum/t/webhooks-missing-for-underpayments-amount-signature-issue/115 atlos.io/forum/t/payment-verification-mechanism/85 atlos.io/forum/t/is-there-a-sandbox-testing-for-the-api/118 esma.europa.eu/sites/default/files/2024-12/CASPS.csv Full data
5	Details for NOWPayments NOWPayments Active	6.8	General-purpose gateways	Both models Held on a balance or forwarded to a wallet	6.0%	350+ tokens	Yes To a bank account through a partner, 20+ currencies, after KYB	Light Documents only for a suspicious transaction or for fiat features	No Their terms exclude EU residents	FD Transfers LLC, Saint Vincent and the Grenadines; no public licences stated	Yes Dedicated solutions for casinos and 18+ sites	No data	No public licences. Under their terms, they do not serve residents of the EU, the UK, the US, the UAE, or Russia.	Full data
Scores by criterion Regulation 3/10 Reliability 7/10 Cost 4/10 Features 9/10 Ease of onboarding 9/10 How the cost adds up Processing fee 1.0% = 0.50 USDT Transfer to balance 2.50 USDT Withdrawal fee not charged Total per payment 3.00 USDT of 50.00 USDT 1% for processing without conversion; 1.5% if the payment is converted, the rate is fixed, or the buyer pays the fee. We count the balance-custody mode, which carries one network fee (the market 2.5 USDT); without custody, forwarding to a wallet, there are two. Withdrawal from the balance carries no service fee. Worth knowing From the ChangeNOW team, running since 2019: mass payouts, CMS plugins, and 350+ tokens. Risks No public licences. Under their terms, they do not serve residents of the EU, the UK, the US, the UAE, or Russia. Where we looked nowpayments.io/help/about-nowpayments/about/what-are-your-fees nowpayments.zendesk.com/hc/en-us/articles/18143125295261-Fees nowpayments.io/pricing nowpayments.io/custody nowpayments.zendesk.com/hc/en-us/articles/18313666110493-Custody-and-Mass-Payouts nowpayments.io/mass-payouts nowpayments.io/help/about-nowpayments/about/where-are-my-funds-stored documenter.getpostman.com/view/7907941/2s93JusNJt nowpayments.io/doc/fd-tos.pdf nowpayments.zendesk.com/hc/en-us/articles/18395434917149-Payment-statuses nowpayments.zendesk.com/hc/en-us/articles/18316629513757-Refunds-and-Validation-flow nowpayments.io/help/payments/common/refund-policy nowpayments.io/crypto-subscriptions nowpayments.io/off-ramp nowpayments.io/payment-integration/shopware-plugin nowpayments.io/api nowpayments.zendesk.com/hc/en-us/articles/18393446018461-Invoices-and-payments nowpayments.io/payment-widget nowpayments.io/pos nowpayments.io/help/dashboard/how-to-use-multiuser-access-for-nowpayments nowpayments.io/blog/bot-coins-updates nowpayments.io/help/security/kyc-aml/kyc-aml-procedure nowpayments.io/all-solutions/casinos nowpayments.io/about Full data Full review of this provider
6	Details for Trybit Trybit formerly CryptoCloud CryptoCloud rebrand	6.5	CIS, minimal KYC	Custodial	4.7%	18 coins, 10 networks	No Crypto only	Nominally none The knowledge base says “not required”; the terms say they apply KYC and may ask who the beneficial owners are	Not found	No legal entity named: no company, country, or number	Yes Gambling, Adult, and Online Gaming in their own Solutions menu	Yes	The old cryptocloud.plus domain was not shut down after the rebrand: the same rates, and its own dashboard login, separate from app.trybit.com.	Partial data
Scores by criterion Regulation 3/10 Reliability 6/10 Cost 5/10 Features 7/10 Ease of onboarding 9/10 How the cost adds up Processing fee 1.9% = 0.95 USDT Transfer to balance 1.40 USDT (their figure) Withdrawal fee not charged Total per payment 2.35 USDT of 50.00 USDT 1.9% for processing and $1.40 for the transfer on Tron — both figures from their price list. Withdrawal carries no percentage; only the network fee is taken. Worth knowing CMS plugins, payment links, bots, and mass payouts. The fee for the transfer to balance applies only on Tron and Ethereum; other networks have none. Partners get 15% of the fees paid by merchants they refer. Risks The old cryptocloud.plus domain was not shut down after the rebrand: the same rates, and its own dashboard login, separate from app.trybit.com. Where we looked support.trybit.com/general-information/fees trybit.com/pricing support.trybit.com/general-information/currencies-networks docs.trybit.com/api-reference-v2/create-invoice support.trybit.com/general-information/payment-page support.trybit.com/payments/partial-payment support.trybit.com/payments/overpayment support.trybit.com/end-users support.trybit.com/payments/invoice-statuses support.trybit.com/withdrawals/mass-payouts support.trybit.com/payments/auto-conversion support.trybit.com/integration/cms-plugins docs.trybit.com/start/sdk docs.trybit.com/start/test-integration support.trybit.com/payments/manual-payment-link support.trybit.com/integration/html-widget support.trybit.com/payments/pos support.trybit.com/general-information/connection-requirements support.trybit.com/security/staff-access trybit.com/terms trybit.com/solutions/gambling support.trybit.com/general-information/about-trybit cryptocloud.plus/pricing Partial data Full review of this provider
7	Details for Apirone Apirone Active	6.5	Non-custodial and self-hosted	Non-custodial Forwarding to your wallet	6.0%	BTC, LTC, BCH, DOGE, TRX, ETH, BNB, GRAM; USDT on Tron, ERC20, BEP20, and TON; USDC on Tron, ERC20, and BEP20	No	None	Not found KYC for MiCA is in their plans for 2027	Apirone OÜ, Tallinn, Estonia; no licences stated	Yes Gambling and 18+ are covered in their industry guides	No data	None noted	Full data
Scores by criterion Regulation 3/10 Reliability 7/10 Cost 4/10 Features 7/10 Ease of onboarding 9/10 How the cost adds up Processing fee 0.0% = 0.00 USDT Transfer to balance 2.50 USDT Withdrawal fee 0.50 USDT Total per payment 3.00 USDT of 50.00 USDT Acceptance costs nothing. Outgoing transfers cost “1% + Network Fee”, word for word from their pricing page: the network fee comes on top of the percentage, and the merchant pays it. With Instant Forwarding, such a transfer happens on every payment, so the network fee is counted, at the market cost of 2.5 USDT. Worth knowing A fixed fee is available instead of a percentage: as the payment grows, its share falls. Mass payouts to as many as 100 recipients for a single fee, POS as a separate product, and a sandbox on the Bitcoin testnet. Where we looked apirone.com/pricing apirone.com/how-to apirone.com/faq apirone.com/docs/invoices apirone.com/docs/currencies apirone.com apirone.com/whats-new apirone.com/integrations apirone.com/integrations/woocommerce apirone.com/payments-button apirone.com/pos apirone.com/how-to/telegram apirone.com/docs/authorization apirone.com/about-us apirone.com/roadmap Full data
8	Details for PayPal Pay with Crypto PayPal Pay with Crypto US only	6.1	Large payment companies	Custodial Converts to fiat immediately	1.5%	~100 cryptocurrencies	Yes In the account currency	Required	N/A US merchants only	Regulated PSP (US)	Limited Gambling after a separate review	No data	No subscriptions and no multi-seller sales; not available to merchants in New York State. A refund debits the refund amount plus the network fee.	Full data
Scores by criterion Regulation 9/10 Reliability 10/10 Cost 8/10 Features 4/10 Ease of onboarding 2/10 How the cost adds up Processing fee 1.5% = 0.75 USDT Transfer to balance not charged Withdrawal fee not charged Total per payment 0.75 USDT of 50.00 USDT The flow has no merchant wallet at all: the buyer’s crypto is converted to PYUSD, the PYUSD to fiat, and the fiat lands on the PayPal balance. There is nothing to transfer, but the merchant has no invoice address of its own either. Worth knowing The buyer pays from their own wallet, and the merchant gets fiat straight away. PYUSD is valued at $1.00 per token, on payment and on refund alike. Risks No subscriptions and no multi-seller sales; not available to merchants in New York State. A refund debits the refund amount plus the network fee. Where we looked paypal.com/us/business/paypal-business-fees paypal.com/us/legalhub/paypal/crypto-payment-method developer.paypal.com/docs/checkout/apm/crypto developer.paypal.com/platforms/checkout/apm/crypto/orders-api paypal.com/us/cshelp/article/what-is-pay-with-crypto-help1236 paypal.com/us/business/accept-crypto-payments github.com/paypal/PayPal-TypeScript-Server-SDK/blob/main/doc/models/payment-source.md paypal.com/us/cshelp/article/how-do-i-manage-users-on-my-business-account-help274 Full data Full review of this provider
9	Details for BTCPay Server BTCPay Server Update needed	6.0	Non-custodial and self-hosted	Self-hosted	5.0%	BTC and Lightning; USDT on Tron, Ethereum, and Polygon via a plugin; altcoins optional	Partly Via third-party plugins, such as Bringin for euros	None	N/A It is software	Open-source software	Unrestricted No provider policy	Yes	A banner on the website calls on users to install a critical security update. Support comes from the community.	Full data
Scores by criterion Regulation 5/10 Reliability 9/10 Cost 5/10 Features 10/10 Ease of onboarding 3/10 How the cost adds up Processing fee 0.0% = 0.00 USDT Transfer to balance 2.50 USDT Withdrawal fee not charged Total per payment 2.50 USDT of 50.00 USDT Nothing is paid to the service; the cost is your own server. But USDT on Tron runs through a separate Tether USDt plugin, and a TRC20 transfer from the invoice address to a pooled wallet costs about 65,000 energy. On your own server, no one but the merchant pays for it, so we use the market cost: 2.5 USDT. The zero is the service fee, not the all-in cost. Worth knowing An open-source payment server for Bitcoin: invoices, POS, payment links, crowdfunding, and Lightning. Risks A banner on the website calls on users to install a critical security update. Support comes from the community. Where we looked btcpayserver.org docs.btcpayserver.org/BTCPayVsOthers docs.btcpayserver.org/FAQ/General docs.btcpayserver.org/Invoices docs.btcpayserver.org/FAQ/Stores docs.btcpayserver.org/UseCase docs.btcpayserver.org/PaymentRequests docs.btcpayserver.org/Payouts docs.btcpayserver.org/Subscriptions docs.btcpayserver.org/Refund docs.btcpayserver.org/FAQ/Altcoin plugin-builder.btcpayserver.org/public/plugins/tether-usdt docs.btcpayserver.org/SideShift docs.btcpayserver.org/Bringin docs.btcpayserver.org/CustomIntegration docs.btcpayserver.org/TryItOut docs.btcpayserver.org/Apps docs.btcpayserver.org/Walkthrough plugin-builder.btcpayserver.org/public/plugins/telegrambot-plugin github.com/btcpayserver/btcpayserver/blob/master/BTCPayServer.Rating/Currencies.json Full data
10	Details for Coinremitter Coinremitter USDT by subscription, $99.99/mo	5.9	General-purpose gateways	Custodial Under its terms, Coinremitter holds funds as the merchant’s agent; auto-withdrawal to your address every 30 minutes	4.2%	Free: BTC, LTC, BCH, DOGE, DASH, BNB, ZANO; Premium only: ETH, TRX, USDT TRC20 and ERC20, USDC ERC20	No	Nominally none The FAQ asks for no documents; the terms require business and beneficial-owner details and reserve the right to verify them	Not found	Coinremitter Pte Ltd, Singapore; no licences stated	Limited The terms prohibit unlicensed gambling, and 18+ content where the law forbids it	No data	No licences are stated; the legal entity — Coinremitter Pte Ltd in Singapore — is named only in the terms, not on their “About us” page.	Full data
Scores by criterion Regulation 3/10 Reliability 5/10 Cost 5/10 Features 6/10 Ease of onboarding 8/10 How the cost adds up Processing fee 0.0% = 0.00 USDT Transfer to balance 2.00 USDT (their figure) Withdrawal fee 0.12 USDT Total per payment 2.12 USDT of 50.00 USDT The merchant pays gas on every payment, not once per withdrawal: with Gas Station, it is deducted on each incoming payment. A USDT TRC20 transfer costs 5 USDT without Gas Station and 2 USDT with it — we use their best figure, 2. On top comes 0.23% on withdrawal. Without Gas Station, the same payment comes to 10.2%. The percentage is not the main thing: USDT on Tron is available only on the $99.99-a-month plan, and on a single 50 USDT invoice that subscription costs more than any fee in the table. Worth knowing A wallet with invoice payments, CMS plugins, and coin swaps in the dashboard. Their Gas Station feature, they say, lowers the network fee on withdrawal. Risks No licences are stated; the legal entity — Coinremitter Pte Ltd in Singapore — is named only in the terms, not on their “About us” page. Where we looked coinremitter.com/fees blog.coinremitter.com/coinnremitter-gas-station-with-less-withdrawal-fees coinremitter.com/faq coinremitter.com/terms-services blog.coinremitter.com/how-to-disable-the-auto-withdrawal-function api.coinremitter.com/docs coinremitter.com/invoice blog.coinremitter.com/how-to-create-invoice coinremitter.com/plugins coinremitter.com/payment-button-widget coinremitter.com/payment-page-widget blog.coinremitter.com/how-to-test-coinremitter-payments-before-going-live coinremitter.com/supported-currencies blog.coinremitter.com/how-to-swap-currency-on-coinremitter coinremitter.com/about-us blog.coinremitter.com/understanding-chargebacks-refunds-and-disputes-in-cryptocurrency-payments coinremitter.com Full data
11	Details for OxaPay OxaPay Active	5.8	CIS, minimal KYC	Custodial	7.0%	18 coins; USDT on six networks	No	None No KYC and no KYB for merchants — per their help centre	Not found	No data	Yes Casinos, iGaming, and trading — named outright in their help centre	Yes	A short public track record: the site footer reads © 2022–2026.	Partial data
Scores by criterion Regulation 2/10 Reliability 4/10 Cost 3/10 Features 7/10 Ease of onboarding 10/10 How the cost adds up Processing fee 2.0% = 1.00 USDT Transfer to balance 2.50 USDT Withdrawal fee not charged Total per payment 3.50 USDT of 50.00 USDT 2% plus a transfer fee. Their pricing page lists several products with different rates; we use the one the service applies in practice. Worth knowing Sign-up by email, Google, or Telegram; an API and 13 plugins, WooCommerce, WHMCS, and Magento 2 among them. A buyer can pay an invoice from OxaPay’s Telegram wallet. Risks A short public track record: the site footer reads © 2022–2026. Where we looked oxapay.com/pricing oxapay.com/merchant-invoice oxapay.com/merchant-service docs.oxapay.com/api-reference/payment/generate-invoice oxapay.help/is-a-qr-code-provided-with-payment-addresses docs.oxapay.com/use-cases oxapay.com/blog/manage-crypto-payments-for-fees-underpayments docs.oxapay.com/api-reference/payment/payment-status-table oxapay.help/what-if-the-client-sends-an-amount-higher-than-the-invoice-amount-overpaid oxapay.com/blog/how-oxapay-handles-underpaid-and-expired oxapay.com/blog/payment-disputes-and-chargebacks-what-you-need-to-know docs.oxapay.com/api-reference/payment/generate-white-label oxapay.com/payout-service oxapay.com/blog/crypto-subscription-payments-the-smarter-way-to-reach-global-users oxapay.help/does-oxapay-support-fiat-currency-features-or-payments oxapay.com/plugins docs.oxapay.com/welcome-to-oxapay/integrations/sdks oxapay.help/what-is-the-sandbox-in-api oxapay.help/how-do-i-get-started oxapay.com/pos oxapay.com/wallet oxapay.com/blog/crypto-payment-gateway-for-telegram oxapay.help/are-identification-documents-required-for-using-oxapay-kyc oxapay.help/can-oxapay-be-used-for-gambling-or-trading-platforms Partial data
12	Details for Heleket Heleket TRM Labs report	5.7	CIS, minimal KYC	Custodial	2.0%	17 coins, 8 networks	No Crypto only	Light Project moderation; no legal entity needed	Not found	No data	No data	Yes	According to a TRM Labs report (April 2026), the service is operationally linked to Cryptomus; the analysts classed 0.6% of its 2025 inbound volume as illicit funds — almost five times the average among payment providers. On 21 May 2026 the Bithumb exchange blocked all deposits and withdrawals linked to Heleket.	Partial data
Scores by criterion Regulation 1/10 Reliability 2/10 Cost 7/10 Features 7/10 Ease of onboarding 8/10 How the cost adds up Processing fee 2.0% = 1.00 USDT Transfer to balance not charged Withdrawal fee not charged Total per payment 1.00 USDT of 50.00 USDT The “from 0.4%” on the site is a floor with no ceiling, not a price. The rate is published in their own API reference: percent 2.00 for USDT TRON. Their table of services is byte-for-byte identical to Cryptomus’s — the same engine, and both rows are calculated the same way. Worth knowing Auto-conversion to USDT, mass payouts, AML checks, and plugins for WooCommerce and WHMCS. Risks According to a TRM Labs report (April 2026), the service is operationally linked to Cryptomus; the analysts classed 0.6% of its 2025 inbound volume as illicit funds — almost five times the average among payment providers. On 21 May 2026 the Bithumb exchange blocked all deposits and withdrawals linked to Heleket. Where we looked doc.heleket.com/methods/payments/list-of-services heleket.com/crypto-processing doc.heleket.com/methods/payments/creating-invoice heleket.com/tos heleket.com/faq/overpayment-underpayment heleket.com/faq/overpaid-invoice heleket.com/faq/payment-exchange-rate doc.heleket.com/methods/payouts/creating-payout doc.heleket.com/methods/payouts/refund doc.heleket.com/sdks-and-modules/cms-modules heleket.com/solutions/billmanager doc.heleket.com/sdks-and-modules/sdk/php heleket.com/faq/integration-testing heleket.com/faq/create-invoice heleket.com/solutions/telegram heleket.com/faq/supported-currencies heleket.com/faq/without-website trmlabs.com/resources/blog/russia-linked-payment-processor-cryptomus-likely-behind-launch-of-parallel-service-heleket cryptotimes.io/2026/05/21/bithumb-freezes-heleket-transfers-over-money-laundering-terror-links Partial data
13	Details for Confirmo Confirmo MiCA and a payment licence	5.7	MiCA-licensed	Custodial	9.0%≈	USDC, USDT, USDG, BTC, and more	Yes	Required KYC and KYB	Yes Central Bank of Ireland	MiCA CASP and payment institution (Ireland)	Yes A dedicated landing page for online gambling	No data	On payouts to third parties, the merchant pays the network and processing fees by default; a payout parameter can shift them to the recipient.	Full data
Scores by criterion Regulation 10/10 Reliability 8/10 Cost 2/10 Features 7/10 Ease of onboarding 5/10 How the cost adds up Processing fee — not published, 2% used 2.0% = 1.00 USDT Transfer to balance — paid by the buyer 2.50 USDT Withdrawal fee 1.00 USDT Total per payment 4.50 USDT of 50.00 USDT The pricing page returns a 404, and there is no price list anywhere. Worth knowing In business since 2014: stablecoin acceptance and payouts, and conversion to fiat. The Irish entity is a MiCA CASP and a payment institution; with an EU passport, its services are available in all 27 member states. Risks On payouts to third parties, the merchant pays the network and processing fees by default; a payout parameter can shift them to the recipient. Where we looked static.confirmo.net/legal-documents/confirmo-limited/Confirmo-Ltd-Fee-Schedule.pdf static.confirmo.net/legal-documents/confirmo-limited/Confirmo-Ltd-Commercial-Policy.pdf web.archive.org/web/20260120001419/https://confirmo.net/pricing confirmo.com/product/checkout confirmo.com/industries/i-gaming docs.confirmo.net/docs/checkout-overview docs.confirmo.net/docs/handling-invoice-exceptions docs.confirmo.net/reference/getinvoicebymerchant-1 docs.confirmo.net/docs/processing-webhooks docs.confirmo.net/docs/payouts-overview docs.confirmo.net/docs/handling-payout-fees docs.confirmo.net/docs/subscribe-overview docs.confirmo.net/docs/accepting-your-first-payment docs.confirmo.net/docs/withdrawing-funds docs.confirmo.net/docs/refunds docs.confirmo.net/docs/woocommerce-plugin github.com/confirmo docs.confirmo.net/reference/developers docs.confirmo.net/docs/email-invoices docs.confirmo.net/docs/embedding-checkout docs.confirmo.net/docs/pos-terminal-1 docs.confirmo.net/docs/permissions docs.confirmo.net/reference/createinvoicebymerchant-1 static.confirmo.net/legal-documents/confirmo-limited/Confirmo-Ltd-Terms-and-Conditions.pdf docs.confirmo.net/docs/opening-your-account confirmo.com/resources/legal-and-regulatory confirmo.com/resources/blog/confirmo-becomes-one-of-europe-s-first-fully-dual-licensed-stablecoin-payment-providers-following-central-bank-of-ireland-authorisation confirmo.com/resources/about-us Full data
14	Details for Plisio Plisio Active	5.7	General-purpose gateways	Custodial The provider’s wallets; 90% of funds in cold storage	8.5%	28 coins and tokens on 14 networks	No The provider does not exchange crypto for fiat	None Per the FAQ, no identification required	Not found	No legal entity named: only “© Plisio, Inc.”, with no jurisdiction, address, or number	No data	Yes	No legal entity and no licences. The minimum USDT TRC20 invoice is $5.	Full data
Scores by criterion Regulation 2/10 Reliability 6/10 Cost 2/10 Features 7/10 Ease of onboarding 9/10 How the cost adds up Minimum fee instead of the rate 1.50 USDT Transfer to balance — paid by the buyer 2.50 USDT Withdrawal fee 0.25 USDT Total per payment 4.25 USDT of 50.00 USDT For USDT TRC20 their table says “minimum $1.5 up to 0.5%” — on a 50 USDT invoice the minimum is larger than the percentage, so the minimum applies. By default the buyer pays the network fee, “Clients cover the transaction fees”; we count it at the market figure, 2.5 USDT. API withdrawal is another 0.5%. Worth knowing 19 plugins and 7 server libraries. API payouts and withdrawals cost 0.5% each. Risks No legal entity and no licences. The minimum USDT TRC20 invoice is $5. Where we looked plisio.net/pricing plisio.net/faq/fee-information plisio.net/docs/plisio-terms-of-use.pdf plisio.net/contacts plisio.net/documentation/endpoints/create-an-invoice plisio.net/documentation/appendices/supported-fiat-currencies plisio.net/documentation/appendices/supported-cryptocurrencies plisio.net/faq/how-clients-see-the-payment-process plisio.net/faq/completion-of-operations-with-underpayment plisio.net/faq/transaction-statuses-mass-payouts-and-notifications-letters plisio.net/faq/how-to-pay-an-order-with-cryptocurrency plisio.net/en/blog/set-time-limits-for-your-invoices-new-features plisio.net/documentation/endpoints/withdrawal-mass-withdrawal plisio.net/faq/cryptocurrency-exchange plisio.net/faq/where-i-can-buy-or-sell-cryptocurrency-for-money-dollars-euros-etc plisio.net/integrations plisio.net/blog/how-to-easily-accept-crypto-via-telegram-bot plisio.net/faq/how-do-i-start-accepting-cryptocurrencies plisio.net/crypto-invoice plisio.net/white-label plisio.net/faq/do-i-need-to-confirm-my-identity Full data
15	Details for B2BINPAY B2BINPAY Active	5.6	iGaming and high-risk	Custodial A separate DeFi product: non-custodial multisig accounts	6.0%	350+ cryptocurrencies; USDT on 10 networks, including Tron	Yes Auto-conversion to USD and EUR, bank withdrawal via SEPA and SWIFT in T+1	Required KYB via Sumsub; sandbox only until you pass it	No	Mauritius, El Salvador	Yes	No data	It does not serve the US — its FAQ for casinos puts this down to regulatory requirements.	Partial data
Scores by criterion Regulation 5/10 Reliability 6/10 Cost 4/10 Features 9/10 Ease of onboarding 5/10 How the cost adds up Minimum fee instead of the rate 3.00 USDT Transfer to balance not charged Withdrawal fee not charged Total per payment 3.00 USDT of 50.00 USDT Stablecoins cost 0.50% at volumes up to $1 million, but the minimum on Tron is $3, which is more than the percentage. There is no percentage on outgoing transfers. Worth knowing According to the company, by 2025 it had 983 business clients and had processed $5.1 billion in incoming payments. It also has a gateway under the client’s own brand (white label) for e-commerce, fintechs and brokers, high-risk niches, and crypto exchanges. Risks It does not serve the US — its FAQ for casinos puts this down to regulatory requirements. Where we looked b2binpay.com/en/fees-crypto-payment-processing b2binpay.com/en/coins/tether b2binpay.com/en/who-we-serve/adult b2binpay.com/en/who-we-serve/casinos b2binpay.com/en b2binpay.com/en/solutions/crypto-payment-processing b2binpay.com/en/solutions/whitelabel b2binpay.com/en/who-we-serve/payment-button docs.b2binpay.com/b2binpay-business/user-guide/wallet-management/deposits docs.b2binpay.com/b2binpay-business/troubleshooting/unresolved-deposits docs.b2binpay.com/b2binpay-business/user-guide/wallet-management/wallets docs.b2binpay.com/b2binpay-business/how-tos/manage-your-assets/how-to-create-a-deposit docs.b2binpay.com/b2binpay-business/user-guide/wallet-management/payouts docs.b2binpay.com/b2binpay-business/release-notes docs.b2binpay.com/b2binpay-business/get-started/quick-start-guide docs.b2binpay.com/b2binpay-business/user-guide/kyb docs.b2binpay.com/b2binpay-business/references/user-roles docs.b2binpay.com/b2binpay-business/references/useful-links esma.europa.eu/sites/default/files/2024-12/CASPS.csv Partial data
16	Details for XAIGATE XAIGATE Three different rates on the site	5.5	CIS, minimal KYC	Custodial By their own terms, XAIGATE controls the receiving addresses	5.5%	17 coins in the fee table; API: Ethereum, BSC, and Tron	No Auto-conversion to USDT	None But their terms let them demand KYC and KYB at any time	Not found	HOANG QUAN INTERNATIONAL LLC, Garland, Texas; no licences stated	Yes “Built specifically for gambling and high-risk platforms” — their wording	No data	They call themselves a no-KYC service, but clause 4.2 of their own terms permits verification at any time. The model is custodial, yet they hold no licence at all.	Partial data
Scores by criterion Regulation 2/10 Reliability 4/10 Cost 4/10 Features 5/10incomplete Ease of onboarding 9/10 How the cost adds up Processing fee 0.5% = 0.25 USDT Transfer to balance 2.50 USDT Withdrawal fee not charged Total per payment 2.75 USDT of 50.00 USDT The figures on the site disagree: 0.2% in the fee table, 0% on the free plan up to 500 transactions a month, 0.15% on premium, and “around 0.2–0.5% per transaction” on the low-fee page. We use the top of that range, 0.5%. Under their terms, network costs are deducted from the merchant’s balance; they give the USDT TRC20 charge as a 1–3 USDT range, so we use the market figure, 2.5 USDT. Worth knowing Plugins for WooCommerce, Magento 2, OpenCart, and PrestaShop; AML monitoring of payments with no check of the merchant’s identity. Risks They call themselves a no-KYC service, but clause 4.2 of their own terms permits verification at any time. The model is custodial, yet they hold no licence at all. Where we looked xaigate.com/cryptocurrency-fees-chart xaigate.com/low-fee-crypto-payment-gateway xaigate.com/free-crypto-payment-gateway xaigate.com/terms-services xaigate.com xaigate.com/how-does-cryptocurrency-payment-gateway-work xaigate.gitbook.io/api-docs/invoice/get-invoice xaigate.gitbook.io/api-docs/invoice/create-invoice xaigate.gitbook.io/api-docs/api-documentation/withdraw xaigate.com/open-source-crypto-payment-gateway-plugin xaigate.gitbook.io/api-docs/getting-started github.com/XAIGATE xaigate.com/compare-xaigate-vs-bitpay-vs-coinbaise-commerce xaigate.gitbook.io/api-docs/getting-started/supported-chains xaigate.com/best-crypto-payment-gateway-for-gambling Partial data
17	Details for xRocket Pay xRocket Pay Active	5.4	Telegram	Custodial	15.0%≈	BTC, ETH, TRX, TON jettons, BNB, USDT, SOL	No	Light Checks for P2P and for transactions of $10,000 or more; otherwise on suspicion	Not found	XROCKET CORP., Panama; no licences stated	No data	Yes	None noted	Partial data
Scores by criterion Regulation 3/10 Reliability 5/10 Cost 2/10 Features 6/10incomplete Ease of onboarding 9/10 How the cost adds up Processing fee — not published, 2% used 2.0% = 1.00 USDT Transfer to balance 2.50 USDT Withdrawal fee 4.00 USDT Total per payment 7.50 USDT of 50.00 USDT The processing fee is visible only to a signed-in merchant, so we use 2% and the market 2.5 USDT for the transfer to balance. Their API shows the withdrawal fee openly: USDT on Tron costs exactly 4 USDT — 8% in a single withdrawal on a 50 USDT invoice. Worth knowing Invoices, multi-use cheques, and paid subscriptions to private channels and groups. Where we looked xrocket.exchange/blog/fees pay.xrocket.exchange/currencies/available pay.api.xrocket.exchange/api/docs-json docs.xrocket.exchange/api/pay/webhooks/invoice docs.xrocket.exchange/api/pay/pay-api-overview docs.xrocket.exchange/api/pay/reference/pay-rest-api pay.api.xrocket.exchange/api/v1/currencies static.xrocket.exchange/site_terms_of_use.pdf static.xrocket.exchange/aml_policy.pdf xrocket.exchange/api docs.xrocket.exchange Partial data
18	Details for Crypto Pay Crypto Pay @CryptoBot Payment only from the bot’s wallet	5.3	Telegram	Custodial A wallet inside the bot	9.0%≈	BTC, ETH, USDT, TON, and more	No	Nominally none No KYC for basic features; the Crypto Pay policy reserves the right to request KYC from a partner	Not found	No data	No data	Yes	None noted	Partial data
Scores by criterion Regulation 3/10 Reliability 6/10 Cost 2/10 Features 4/10 Ease of onboarding 9/10 How the cost adds up Processing fee — not published, 2% used 2.0% = 1.00 USDT Transfer to balance 2.50 USDT Withdrawal fee 1.00 USDT Total per payment 4.50 USDT of 50.00 USDT They do not publish a processing rate: their own FAQ sets out fees for P2P, exchange, and subscriptions, while the Crypto Pay section has no pricing block at all. The earlier 3% came from an unrelated website. The money lands on the bot’s internal balance and has to be withdrawn from there. Worth knowing An API for invoices, statuses, and webhooks; the buyer pays from their wallet balance without leaving Telegram. Where we looked web.archive.org/web/20260602112619/https://help.send.tg/en/articles/9820010-fees-and-limits-crypto-pay web.archive.org/web/20260602112620/https://help.send.tg/en/articles/10279948-crypto-pay-api web.archive.org/web/20260602112620/https://help.send.tg/en/articles/12594929-crypto-pay-policy help.crypt.bot/faq web.archive.org/web/20260510162127/https://help.send.tg/en/articles/12460759-unavailable-regions-in-crypto-bot web.archive.org/web/20251008094710/https://help.send.tg/en/articles/10130686-is-verification-necessary web.archive.org/web/20260602112618/https://help.send.tg/en/articles/9820135-how-do-i-pay-an-invoice web.archive.org/web/20260610213426/https://help.send.tg/en/articles/9819554-what-cryptocurrencies-can-be-received-held-and-withdrawn Partial data
19	Details for WestWallet WestWallet All fees on sending	5.3	CIS, minimal KYC	Custodial WestWallet holds the funds, 90% in offline storage	5.0%	28 assets; USDT on five networks	No data	No data	Not found	No legal entity named: the footer carries only a copyright sign	No data	Yes	No legal entity or jurisdiction named: for requests from authorities there is only the address [email protected]. Nowhere does it say who bears the network fee.	Partial data
Scores by criterion Regulation 3/10 Reliability 5/10 Cost 4/10 Features 6/10incomplete Ease of onboarding 7/10 How the cost adds up Processing fee 0.0% = 0.00 USDT Transfer to balance not charged Withdrawal fee 2.53 USDT Total per payment 2.53 USDT of 50.00 USDT This is a wallet with an API, not a percentage gateway: receiving USDT TRC20 costs nothing, and the whole price sits on sending — 2.5 USDT plus 0.05%. That 2.5 USDT is their price, not a network fee passed through: for partners with 50+ outgoing transfers a day, the same outgoing transfer costs 2 USDT. Worth knowing Fixed fees instead of a percentage of turnover. The 0.15% fee applies only to sending via the API and requires at least 50 transactions a day. Risks No legal entity or jurisdiction named: for requests from authorities there is only the address [email protected]. Nowhere does it say who bears the network fee. Where we looked backend.westwallet.io/fees westwallet.io/api_fee westwallet.io/api-docs/en.html westwallet.io/api-docs/en.html westwallet.io/api-docs/en.html westwallet.io/api-docs/en.html westwallet.io/api-docs/en.html westwallet.io/advantages westwallet.io/competent_authorities Partial data
20	Details for BVNK BVNK now part of Mastercard Acquired by Mastercard	5.3	Large payment companies	Custodial	9.0%≈	USDC, USDT (outside the EEA, including on Tron), EURC, PYUSD, USDG; BTC, ETH, SOL, TRX, and more	Yes Settlement in USD, EUR, or GBP	Required KYB; clients with $500k+ in monthly volume and at least 6 months of history	Yes CASP and EMI, MFSA (Malta)	EMI in the UK (FCA) and Malta, MiCA CASP (MFSA), US state money transmitter licences; part of Mastercard since 3 August 2026	Limited Gambling and FX/CFD: licensed only	No data	BVNK has belonged to Mastercard since 3 August 2026, and client terms may change. The set of assets depends on jurisdiction: USDT and PYUSD are switched off for clients in the EEA, and since 1 April 2026 incoming USDT and PYUSD transfers to them are automatically returned to the sender.	Partial data
Scores by criterion Regulation 10/10 Reliability 9/10 Cost 2/10 Features 7/10 Ease of onboarding 3/10 How the cost adds up Processing fee — not published, 2% used 2.0% = 1.00 USDT Transfer to balance 2.50 USDT Withdrawal fee 1.00 USDT Total per payment 4.50 USDT of 50.00 USDT Worth knowing Stablecoin acceptance and payouts, with conversion to fiat and back, in 130+ countries. Mastercard bought BVNK for up to $1.8 billion, of which $300 million is paid on reaching performance targets. Risks BVNK has belonged to Mastercard since 3 August 2026, and client terms may change. The set of assets depends on jurisdiction: USDT and PYUSD are switched off for clients in the EEA, and since 1 April 2026 incoming USDT and PYUSD transfers to them are automatically returned to the sender. Where we looked bvnk.com/mt-mt/pricing-policy help.bvnk.com/hc/en-us/articles/7662101604242-What-are-the-fees-for-using-BVNK-services docs.bvnk.com/bvnk/references/currencies help.bvnk.com/hc/en-us/articles/33101883532306-Guidance-on-USDT-PYUSD-discontinuation-for-EEA-based-customers help.bvnk.com/hc/en-us/articles/11094354781074-What-licenses-registrations-does-BVNK-and-BVNK-s-Partners-have bvnk.com/press/mastercard-completes-acquisition-of-bvnk-to-advance-global-stablecoin-capabilities bvnk.com/press/mastercard-to-acquire-bvnk-to-connect-on-chain-payments-and-fiat-rails bvnk.com/gaming cdn.prod.website-files.com/67b333c6029622ea1aa99788/69aab4c177891c3d630af323_06 03 2026 BVNK Financial Crime Risk Appetite Policy.pdf help.bvnk.com/hc/en-us/articles/7646079268114-Why-do-I-have-to-complete-the-KYB-process docs.bvnk.com/bvnk/use-cases/stablecoin-payments-for-platforms/get-payment docs.bvnk.com/bvnk/use-cases/stablecoin-payments-for-platforms/create-channel docs.bvnk.com/bvnk/use-cases/stablecoin-payments-for-platforms/underpayments docs.bvnk.com/bvnk/use-cases/stablecoin-payments-for-platforms/overpayments docs.bvnk.com/bvnk/use-cases/stablecoin-payments-for-platforms/late-payments docs.bvnk.com/bvnk/api-explorer/endpoints/refund-payin docs.bvnk.com/bvnk/get-started/payment-sim docs.bvnk.com/bvnk/get-started/get-started-w-bvnk help.bvnk.com/hc/en-us/articles/7646571044882-What-are-the-permissions-for-each-role-group docs.bvnk.com/bvnk/api-explorer/endpoints/list-currencies-fiat api.bvnk.com/api/currency/fiat Partial data
21	Details for Cryptomus Cryptomus FINTRAC fine	5.3	General-purpose gateways	Custodial	2.0%	100+ cryptocurrencies	Yes SEPA/SWIFT to a bank account	Required For all users	Not found	FINTRAC MSB (Xeltox Enterprises)	No The terms prohibit gambling and adult content	Yes	FINTRAC fined the operator, Xeltox Enterprises Ltd., 176.96 million Canadian dollars for breaching AML requirements — a record for the agency; an appeal has been filed. In TRM Labs’ assessment, the service is linked to Heleket.	Full data
Scores by criterion Regulation 1/10 Reliability 2/10 Cost 7/10 Features 8/10 Ease of onboarding 6/10 How the cost adds up Processing fee 2.0% = 1.00 USDT Transfer to balance not charged Withdrawal fee not charged Total per payment 1.00 USDT of 50.00 USDT The “from 0.4%” on the site is the floor, while new merchants get 2% — the same figure as in the sample response from their API. On withdrawal they deduct only the network fee, and that stays out of the calculation. Worth knowing A gateway, a wallet, crypto cards, and an exchange in one service; merchants go through moderation and KYC. Risks FINTRAC fined the operator, Xeltox Enterprises Ltd., 176.96 million Canadian dollars for breaching AML requirements — a record for the agency; an appeal has been filed. In TRM Labs’ assessment, the service is linked to Heleket. Where we looked cryptomus.com/fees/payment doc.cryptomus.com/merchant-api/payments/list-of-services doc.cryptomus.com/merchant-api/payments/creating-invoice cryptomus.com/faq/how-do-i-invoice-for-payment cryptomus.com/faq/what-is-the-exchange-rate-for-payments cryptomus.com/faq/what-happens-if-a-customer-overpays doc.cryptomus.com/merchant-api/payments/refund doc.cryptomus.com/merchant-api/recurring/creating cryptomus.com/mass-payout cryptomus.com/processing cryptomus.com/plugins doc.cryptomus.com/sdks-and-modules/php-sdk cryptomus.com/faq/how-do-i-test-the-integration cryptomus.com/blog/how-to-accept-crypto-payments-via-telegram cryptomus.com/faq/do-i-have-to-go-through-kyc cryptomus.com/tos cryptomus.com fintrac-canafe.canada.ca/pen/amps/pen-2025-10-22-eng dlapiper.com/en/insights/publications/2025/10/fintrac-imposes-largest-penalty-in-canadian-history-and-the-new-financial-crimes-agency trmlabs.com/resources/blog/russia-linked-payment-processor-cryptomus-likely-behind-launch-of-parallel-service-heleket Full data Full review of this provider
22	Details for PayGate.to PayGate.to Three different fees on the site	5.1	CIS, minimal KYC	Non-custodial Forwarding to your wallet	6.5%	USDT on 9 networks, Tron included; USDC on 10; 47 tickers on 18 networks in total	No Crypto only	None No sign-up, no KYB, no API keys	Not found	No legal entity named; they describe themselves as selling software, not payment services	Yes “Complete high-risk payment infrastructure” — their wording	No data	No legal entity named: the terms refer to an “about us” page, “if such exists”. They describe themselves as a software provider and cannot cancel or refund a transfer.	Partial data
Scores by criterion Regulation 3/10 Reliability 3/10 Cost 3/10 Features 5/10 Ease of onboarding 9/10 How the cost adds up Processing fee 1.5% = 0.75 USDT Transfer to balance 2.50 USDT Withdrawal fee not charged Total per payment 3.25 USDT of 50.00 USDT Their pages give three different figures: “less than 1%” in the FAQ, “1% + Provider fees” for the card gateway, and “1.5% flat rate fee + blockchain fees” on the crypto gateway page and in their plugin. We use the last one, 1.5%. There is no intermediate balance: a temporary address for each payment forwards the money to your wallet, and the network charges for that forwarding on top of the percentage — we use the market figure, 2.5 USDT. There is no withdrawal step. Worth knowing Payment right on the merchant’s site: an address with a QR code for each order, and every payment goes straight to the merchant’s wallet. No sign-up and no KYC. Risks No legal entity named: the terms refer to an “about us” page, “if such exists”. They describe themselves as a software provider and cannot cancel or refund a transfer. Where we looked paygate.to/crypto-payment-gateway-no-kyc-instant-payouts paygate.to/faq paygate.to/crypto-payment-address-wallet-generator paygate.to/docs/crypto-payment-api paygate.to/docs wordpress.org/plugins/crypto-payment-gateway plugins.svn.wordpress.org/crypto-payment-gateway/trunk/includes/class-paygatedotto-crypto-payment-gateway-dynamic.php paygate.to/instant-payment-gateway paygate.to/legal-inquiries paygate.to/info/terms api.paygate.to/crypto/info.php Partial data
23	Details for CoinPayments CoinPayments Active	5.1	General-purpose gateways	Custodial Hosted wallet	8.0%	40+ cryptocurrencies	Partly Bank withdrawal through partners, where available	Required KYB	No	PaidInSatoshi Inc. (Panama) and Centauri Pay LLC (US) provide the services; no licences listed on the site	Yes iGaming is among their target markets; the fee may be higher for high-risk industries	Yes	None noted	Full data
Scores by criterion Regulation 3/10 Reliability 7/10 Cost 2/10 Features 7/10 Ease of onboarding 6/10 How the cost adds up Processing fee 3.0% = 1.50 USDT Transfer to balance — paid by the buyer 2.50 USDT Withdrawal fee not charged Total per payment 4.00 USDT of 50.00 USDT 3% on both coins and tokens — per their pricing page, checked on 21 September 2026. On top of the percentage they charge the network fee: in ASAP mode, one per payment; in Nightly, one for the whole batch. We use ASAP — it is their default mode. Worth knowing On the market since 2013, with more than 250,000 merchants by their own count. By default, payments accumulate on a pooled balance; forwarding to your own address can be switched on right after crediting (ASAP) or in a daily batch (Nightly). The buyer pays the network fee on an incoming payment; on withdrawal, the merchant pays only the network fee. Where we looked coinpayments.net/v2-fees coinpayments.net/supported-coins coinpayments.net/help-fees docs.coinpayments.net/api/invoices/payment-errors docs.coinpayments.net/api/invoices/payment-timeout docs.coinpayments.net/api/invoices/payment-settings docs.coinpayments.net/knowledge/integration-guide/integration-use-cases docs.coinpayments.net/api/wallets/address-types docs.coinpayments.net/api/transactions/routes/postMerchantWalletsSpendRequestByIdV2 docs.coinpayments.net/knowledge/plugins docs.coinpayments.net/api/sdk docs.coinpayments.net/api/testing-currency docs.coinpayments.net/knowledge/integration-guide/account-setup docs.coinpayments.net/api/invoices/examples/invoice-link docs.coinpayments.net/api/invoices/examples/displaying-invoices docs.coinpayments.net/knowledge/multi-user a-api.coinpayments.net/api/v2/currencies docs.coinpayments.net/api/invoices/routes/postMerchantInvoicesV2 coinpayments.net/legal legacy.coinpayments.net/merchant-tools coinpayments.net Full data Full review of this provider
24	Details for PassimPay PassimPay Four different rates on the site	5.1	General-purpose gateways	Custodial	8.5%	74+ cryptocurrencies, 18+ networks	Yes EUR via SEPA, INR via API	Required KYC and KYB	Not found	NILESPAY FINANCE INC., Vancouver, no. BC1516629, FINTRAC MSB C100000852	Yes iGaming is on their list of industries	No data	The processing price differs from page to page on the site — from zero to 3.5%. The terms are with Poland’s PASSIMPAY GLOBAL SP Z O O, while the MSB licence is held by Canada’s NILESPAY FINANCE INC.	Partial data
Scores by criterion Regulation 5/10 Reliability 6/10 Cost 2/10 Features 7/10 Ease of onboarding 6/10 How the cost adds up Processing fee 3.5% = 1.75 USDT Transfer to balance 2.50 USDT Withdrawal fee not charged Total per payment 4.25 USDT of 50.00 USDT Four fees on one site: 1.2% “by default”, 0.1–1% on a personal account, “starting from 0.5% (3.5% by default)” on a business account, and “Top-up fee is 0%”. We use their own business default, 3.5%. On top comes the network fee for moving the payment from the invoice address to the main address: they have no figure of their own, so we use the market one, 2.5 USDT. Withdrawal is free. Worth knowing Auto-conversion to USDT and USDC. By the company’s own figures, 530+ merchants and more than $4 billion in turnover. Risks The processing price differs from page to page on the site — from zero to 3.5%. The terms are with Poland’s PASSIMPAY GLOBAL SP Z O O, while the MSB licence is held by Canada’s NILESPAY FINANCE INC. Where we looked passimpay.io/en/help/what-are-deposit-and-transfer-fees passimpay.io/en/help/what-are-the-fees-on-passimpay passimpay.io/en/pricing passimpay.gitbook.io/passimpay-api/direct-deposits-usdt-trc20 passimpay.gitbook.io/passimpay-api/preparation-for-integration passimpay.gitbook.io/passimpay-api/create-an-invoice-link passimpay.io/en/help/how-can-my-client-make-a-payment-in-cryptocurrency passimpay.io/en/help/my-customer-paid-the-invoice-after-it-was-canceled-or-expired-what-should-i-do passimpay.io/en/help/i-paid-the-full-amount-but-the-exchange-rate-has-changed-and-the-system-is-asking-for-an-additional-payment-what-to-do passimpay.io/en/our-products passimpay.io/en/modules passimpay.io/en/help/what-is-a-multi-sender passimpay.gitbook.io/passimpay-api/fiat/inr-withdraw passimpay.io/en/help/can-i-cancel-or-refund-a-payment passimpay.io/en/help/how-can-i-test-integration passimpay.io/en/telegram-bot passimpay.io/en/help/what-access-levels-can-be-assigned-to-users github.com/Passimpay passimpay.io/en/ai-company-profile passimpay.io/en/help/is-it-necessary-to-undergo-a-kyc-check passimpay.io/en/how-to-pay-with-cryptocurrency passimpay.io/en/terms passimpay.io/en Partial data
25	Details for 0xProcessing 0xProcessing Active	5.0	iGaming and high-risk	Custodial	9.0%≈	100+ cryptocurrencies on 20+ networks	Yes Withdrawal to a company bank account	Light Application and KYB through a manager; the home page promises no documents are needed	Not found	14partners Limited, Seychelles, no. 243468; no licences stated	Yes iGaming has its own page on their site	No data	By default, a floating network fee is added to the buyer’s payment: in their example, a 1,000 USDT payment on Tron costs the buyer 1,000.81 USDT — about 10 TRX on top. The merchant can absorb the fee instead, in the settings.	Partial data
Scores by criterion Regulation 3/10 Reliability 6/10 Cost 2/10 Features 8/10 Ease of onboarding 6/10 How the cost adds up Processing fee — not published, 2% used 2.0% = 1.00 USDT Transfer to balance — paid by the buyer 2.50 USDT Withdrawal fee 1.00 USDT Total per payment 4.50 USDT of 50.00 USDT The fees page gives no percentage — “can be discussed with a manager”. There is a transfer to balance, and by default the buyer pays for it, but they publish no TRC20 figure of their own on the deposit side, so we use the market figure. The 2.6 USDT previously shown here was a mistake: that is their network fee for WITHDRAWAL, and the scenario does not count it. Worth knowing A processor for iGaming, forex, and other high-risk niches. Conversion to stablecoins (VRCS) carries no fee, but the exchange rate and spread are not disclosed. Subscriptions and mass payouts are available. Risks By default, a floating network fee is added to the buyer’s payment: in their example, a 1,000 USDT payment on Tron costs the buyer 1,000.81 USDT — about 10 TRX on top. The merchant can absorb the fee instead, in the settings. Where we looked docs.0xprocessing.com/basic/general/transaction-fees docs.0xprocessing.com/basic/general/terms-and-definitions 0xprocessing.com/commissions 0xprocessing.com/industries/igaming-crypto-payment-gateway docs.0xprocessing.com/basic/general/available-assets docs.0xprocessing.com/faq docs.0xprocessing.com/basic/introduction-guide/0xprocessing-integration-options docs.0xprocessing.com/basic/introduction-guide/deposit-flow docs.0xprocessing.com/0xprocessing-api-v1/deposits/payment-form-with-fixed-amount 0xprocessing.com/knowledge-base/faqs-and-glossary/what-happens-if-the-cryptocurrency-exchange-rate-changes-during-the-transaction 0xprocessing.com/knowledge-base/using-the-gateway/how-does-a-refund-work-when-paying-with-cryptocurrency 0xprocessing.com/knowledge-base/getting-started/what-plugins-and-integrations-are-available 0xprocessing.com/knowledge-base/technical-support/how-to-test-payments-in-sandbox-mode 0xprocessing.com/knowledge-base/funds-management/how-do-mass-payments-work 0xprocessing.com/products/recurring-payments 0xprocessing.com/products/virtual-pos-terminal 0xprocessing.com/industries/crypto-payment-gateway-for-chatbots 0xprocessing.com/products/cryptocurrencies-payment-button 0xprocessing.com/products/crypto-payment-link docs.0xprocessing.com/quick-start/create-a-manager-role 0xprocessing.com/terms 0xprocessing.com/getting-started 0xprocessing.com/knowledge-base/getting-started/what-information-is-required-for-registration Partial data
26	Details for Triple-A Triple-A Treasury hack, July 2026	5.0	MiCA-licensed	Custodial	9.0%≈	Stablecoins and major coins	Yes Operations in local currencies	Required KYC and KYB	Yes AMF, France	MAS Major Payment Institution PS20200525 (Singapore), AMF CASP A2026-015 and ACPR PI (France), FinCEN and FINTRAC MSB	Limited Gambling and off-site 18+ content for direct merchants: on the restricted list, not the prohibited one, with enhanced checks	No data	On 25 July 2026, wallets of the Singapore entity holding the company’s own assets were hacked. Triple-A does not name the amount; press estimates range from $9.7 million to $11.8 million. MAS and the Singapore police are investigating.	Partial data
Scores by criterion Regulation 10/10 Reliability 7/10 Cost 2/10 Features 8/10 Ease of onboarding 3/10 How the cost adds up Processing fee — not published, 2% used 2.0% = 1.00 USDT Transfer to balance 2.50 USDT Withdrawal fee 1.00 USDT Total per payment 4.50 USDT of 50.00 USDT The pricing page has been removed from their knowledge base: it is absent from the 97-URL sitemap, the live URL is stuck in a 301 redirect loop, and a search for “fee” finds nothing. A 2023 archived copy on their domain read “a flat 1% transaction fee on all payments and payouts” — their figure, but three years old and taken down, so we do not count it. In its place goes the standard stand-in: 2% for processing, the same for withdrawal, and 2.5 USDT for the transfer to balance. Their withdrawals to a bank account start at $3,000. Worth knowing Works with large clients: stablecoin acceptance and payouts, settlement in local currencies. KYC and KYB, sanctions screening, and the Travel Rule sit on the provider’s side. Risks On 25 July 2026, wallets of the Singapore entity holding the company’s own assets were hacked. Triple-A does not name the amount; press estimates range from $9.7 million to $11.8 million. MAS and the Singapore police are investigating. Where we looked triple-a.io/terms web.archive.org/web/20230606163141/https://support.triple-a.io/knowledge/what-fees-will-i-have-to-pay-to-use-triple-a-for-payment-processing support.triple-a.io/knowledge/what-is-the-minimum-settlement-threshold triple-a.io/license triple-a.io/blog/blog-incident-post-mortem developers.triple-a.io/docs/triplea-api-doc/1a49a9ea8f3fd-about-the-stablecoin-ap-is developers.triple-a.io/docs/triplea-api-doc/0c40f1b88af6a-payment-statuses support.triple-a.io/knowledge/my-customer-made-a-short-payment.-what-happens-next support.triple-a.io/knowledge/my-customer-made-an-overpayment.-what-happens-next support.triple-a.io/knowledge/what-if-i-sent-a-payment-to-an-expired-invoice-1 developers.triple-a.io/docs/triplea-api-doc/d3be68b635258-building-blocks developers.triple-a.io/docs/triplea-api-doc/8974dfffa9418-presentment-currencies-for-stablecoin-payments support.triple-a.io/knowledge/why-cant-i-use-triple-as-services-in-my-country developers.triple-a.io/docs/triplea-api-doc/a77d1a30b5159-sandbox-and-testing developers.triple-a.io/docs/triplea-api-doc/43d9daf44beb7-choose-your-collection-method developers.triple-a.io/docs/triplea-api-doc/b1d0aeab71c38-stablecoin-payout-api developers.triple-a.io/docs/triplea-api-doc/cc30c8c218ed1-stablecoin-refunds support.triple-a.io/knowledge/can-i-manage-multiple-user-accounts-on-my-triplea-dashboard support.triple-a.io/knowledge/what-are-the-supported-settlement-currencies support.triple-a.io/knowledge/do-i-need-to-go-through-a-kyb-know-your-business-process support.triple-a.io/knowledge/why-is-tripleas-know-your-customer-kyc-process-mandatory-for-all-my-customers triple-a.io/restricted-prohibited-businesses triple-a.io/contact-us support.triple-a.io/knowledge/what-services-does-triple-a-provide support.triple-a.io/knowledge/what-currencies-can-i-use-to-pay-an-invoice news.bitcoin.com/triple-a-hot-wallet-exploit-9-7-million-peckshield web3isgoinggreat.com/single/triple-a-hack Partial data
27	Details for BitHide BitHide Licence price not published	4.8	CIS, minimal KYC	Self-hosted Only you hold the keys	5.0%	BTC, LTC, ETH, TRX, BNB, and USDT and USDC on ERC20, TRC20, and BEP20	No Crypto only	No data	Not found	BITHIDE SOLUTION LLC, Tbilisi (Georgia); public offer agreement under the law of Saint Vincent and the Grenadines. It provides no financial services: it is a software vendor	Yes Licensed iGaming is on their list of industries	No data	The software is not available to companies from the US, the EU, or sanctioned jurisdictions — their own condition. Compliance is entirely on you.	Partial data
Scores by criterion Regulation 3/10 Reliability 4/10 Cost 5/10 Features 4/10incomplete Ease of onboarding 6/10 How the cost adds up Processing fee 0.0% = 0.00 USDT Transfer to balance 2.50 USDT Withdrawal fee not charged Total per payment 2.50 USDT of 50.00 USDT They take no percentage per payment at all: this is a licence for software you install on your own server. But the licence price is not published either — the agreement sends you to the website for it, where it is not listed, and promises to name it at purchase. An address is issued for each invoice, and the merchant pays for the transfer from it to the main wallet: we use the market cost, 2.5 USDT. Worth knowing Installed on your own server; the keys never leave the merchant. Gas for transfers is held on separate gas-station addresses for ETH, TRX, and BNB. Risks The software is not available to companies from the US, the EU, or sanctioned jurisdictions — their own condition. Compliance is entirely on you. Where we looked bithide.io bithide.io/crypto-payment-gateway-api bithide.io/payment-widget bithide.io/public-offer-agreement bithide.io/ru/our-addresses Partial data
28	Details for Payid19 Payid19 Active	4.8	CIS, minimal KYC	Custodial Funds sit in a shared Payid19 wallet	8.0%	USDT on Tron, BSC, and Ethereum; USDC, BTC, ETH, LTC, BNB, and TRX	No Crypto only: balance in USDT, withdrawal to a wallet	None Verification only before withdrawal; no documents asked for to accept payments	Not found	Payid19 Inc; the terms say “licensed” with no regulator or licence number; address in the Seychelles	Limited “Higher fees in our sole discretion”; porn prohibited, gambling only if legal	No data	In its terms, Payid19 Inc calls itself “licensed” but gives neither a regulator nor a licence number.	Full data
Scores by criterion Regulation 3/10 Reliability 4/10 Cost 2/10 Features 5/10 Ease of onboarding 8/10 How the cost adds up Processing fee 1.0% = 0.50 USDT Transfer to balance — paid by the buyer 2.50 USDT Withdrawal fee 1.00 USDT Total per payment 4.00 USDT of 50.00 USDT 1% with a 0.2 USDT minimum — on a 50 USDT invoice that comes to 0.5 USDT. The payment page adds the network fee to what the buyer pays, on top of the invoice; we count it at the market figure, 2.5 USDT. Withdrawal is a flat 1 USDT. Worth knowing In operation since 2020. Risks In its terms, Payid19 Inc calls itself “licensed” but gives neither a regulator nor a licence number. Where we looked payid19.com/faq cdn.payid19.com/User_Agreement.pdf payid19.com/dev/introduction/introduction payid19.com/dev/withdraws/create_withdraw payid19.com/dev/invoices/white_label payid19.com/payment-links payid19.com/read/underpaid-invoices-what-happens-when-a-customer-sends-less-than-you-asked-for-5 payid19.com/dev/plugins/php_library Full data
29	Details for Bitcart Bitcart Active	4.7	Non-custodial and self-hosted	Self-hosted	5.0%	10 networks and 248 tokens, including USDT on Tron	No	None	N/A It is software	Open-source software	Unrestricted	No data	Support is do-it-yourself, or paid from the project’s author: there is no legal entity behind Bitcart.	Full data
Scores by criterion Regulation 5/10 Reliability 5/10 Cost 5/10 Features 7/10 Ease of onboarding 3/10 How the cost adds up Processing fee 0.0% = 0.00 USDT Transfer to balance 2.50 USDT Withdrawal fee not charged Total per payment 2.50 USDT of 50.00 USDT Nothing is paid to the service: the cost is your own server. USDT on Tron is supported natively, but a TRC20 transfer from the invoice address to a pooled wallet costs about 65,000 energy — around 2.5 USDT at the current TRX price, and in a self-hosted setup that is the merchant’s expense. The zero is the service fee, not the all-in cost. Worth knowing Open-source payment processing on your own server. In the basic mode, neither Bitcart nor the owner of a third-party server takes a percentage: payments go straight to the merchant’s wallet. The NVD vulnerability database has no entries for Bitcart. Risks Support is do-it-yourself, or paid from the project’s author: there is no legal entity behind Bitcart. Where we looked docs.bitcart.ai/bitcart-basics/bitcart-vs-others docs.bitcart.ai/bitcart-basics/use-case docs.bitcart.ai/bitcart-basics/walkthrough github.com/bitcart/bitcart/blob/master/CHANGELOG.md docs.bitcart.ai/support-and-community/faq/stores-faq docs.bitcart.ai/guides/eth-payments-plugin t.me/bitcart/63625 bitcart.ai/coins docs.bitcart.ai/guides/fiat-currencies-support api.bitcart.ai/cryptos/fiatlist docs.bitcart.ai/integrations/shopify docs.bitcart.ai/integrations/custom-integration docs.bitcart.ai/deployment/docker docs.bitcart.ai/guides/telegram-notifications docs.bitcart.ai/guides/server-management-settings docs.bitcart.ai/guides/store-pos docs.bitcart.ai/support-and-community/support github.com/bitcart/bitcart services.nvd.nist.gov/rest/json/cves/2.0 Full data
30	Details for SharkCrypto SharkCrypto Fee not published	4.6	CIS, minimal KYC	Custodial	9.0%≈	USDT on Tron, Ethereum, BSC, TON, and Polygon	No Crypto only	Not stated	Not found	No legal entity, terms, or AML policy: these pages do not exist on the site	No data	Yes	The publicly served code of their own admin panel contains an exchange-rate markup — up to 10% per merchant, on top of a hidden global spread. No terms, no legal entity, and not one published price.	Partial data
Scores by criterion Regulation 2/10 Reliability 3/10 Cost 2/10 Features 4/10incomplete Ease of onboarding 9/10 How the cost adds up Processing fee — not published, 2% used 2.0% = 1.00 USDT Transfer to balance 2.50 USDT Withdrawal fee 1.00 USDT Total per payment 4.50 USDT of 50.00 USDT They do not publish the fee: “set by the administrator”, “depends on your monthly volume”. With no price list, we count 2% for processing, the same for withdrawal, and the transfer to balance at the market figure. Worth knowing Their Official SDKs and Plugins section shows four SDKs and four plugins with ready-made install commands, but every one is marked Coming Soon, with a note underneath that all of it is in development. So the feature checklist credits them with zero integrations, although the site displays eight. Risks The publicly served code of their own admin panel contains an exchange-rate markup — up to 10% per merchant, on top of a hidden global spread. No terms, no legal entity, and not one published price. Where we looked sharkcrypto.net/docs/overview sharkcrypto.net/api/currencies sharkcrypto.net/assets/index-CFU8BVg7.js Partial data
31	Details for DV.net DV.net Active	4.6	Non-custodial and self-hosted	Non-custodial	5.0%	USDT, USDD, USD1, and TRX on Tron, plus other networks	No	Nominally none README: no mandatory KYC/KYB; the terms collect beneficiary data and reserve the right to verify identity	Not found	DV Technologies Ltd., Seychelles; no licences stated	No data	No data	No licences stated. There is no mandatory KYC, but the terms collect beneficiary data and reserve the provider’s right to verify identity and to introduce fees at any time.	Full data
Scores by criterion Regulation 3/10 Reliability 3/10 Cost 5/10 Features 6/10 Ease of onboarding 5/10 How the cost adds up Processing fee 0.0% = 0.00 USDT Transfer to balance 2.50 USDT Withdrawal fee not charged Total per payment 2.50 USDT of 50.00 USDT “We do not charge fees for accepting and withdrawing cryptocurrencies” — their wording. Only the network gets paid: they themselves estimate a USDT transfer from the deposit address to the main wallet at $2–5 when TRX is burned, and at roughly zero if you delegate your own energy. We use the market figure, 2.5 USDT. Worth knowing Open source: install it on your own server or run it in their cloud — either way, with no fee to the provider. A payment arrives at a deposit address and is forwarded from there to the merchant’s wallet. Risks No licences stated. There is no mandatory KYC, but the terms collect beneficiary data and reserve the provider’s right to verify identity and to introduce fees at any time. Where we looked dv.net/commissions docs.dv.net/en/description/cloud-and-on-premises.html docs.dv.net/en/onboarding/tron-processing-settings.html dv.net/files/End-User-Agreement.pdf github.com/dv-net/dv-merchant docs.dv.net/en/integration/integrationExamples.html docs.dv.net/en/integration/webhooks.html docs.dv.net/en/integration/creating-deposit-wallets.html docs.dv.net/en/integration/connecting-payment-form-without-api.html dv.net/mailings docs.dv.net/en/exchanges/exchange-integration.html github.com/dv-net/dv-merchant/releases/tag/v0.9.24 github.com/dv-net/dv-merchant/blob/v0.9.24/internal/service/refund/service.go docs.dv.net/en/sdk/woocommerce.html docs.dv.net/en/sdk/opencart.html docs.dv.net/en/sdk/php.html docs.dv.net/en/security/api-requests-logging.html dv.net/donate esma.europa.eu/sites/default/files/2024-12/CASPS.csv Full data
32	Details for Bitpace Bitpace Prices not published	4.3	iGaming and high-risk	Both models Q500 MEA holds the funds (Fireblocks and BitGo); Q500 Canada: no custody, delivery straight to the merchant’s wallet	9.0%≈	Catalogue: 16 assets, no USDT; the gateway pages say “70+”	Yes Settlement in EUR, USD, GBP, or USDC; fiat is withdrawn to a corporate bank account	Required KYB before the account opens; legal entities only	No Not in the MiCA CASP register	Q500 Canada Inc., Toronto, no. 1630813-9, MSB registered with FINTRAC; Q500 MEA Limited, Comoros, MISA licence	Yes	No data	Not a single published price: in their own FAQ, the question “What are the fees for using Bitpace’s Crypto Payment Gateway?” is answered with a line about encryption. USDT is missing from their asset catalogue, although the Tron network is listed. They work only with legal entities.	Partial data
Scores by criterion Regulation 4/10 Reliability 4/10 Cost 2/10 Features 7/10incomplete Ease of onboarding 5/10 How the cost adds up Processing fee — not published, 2% used 2.0% = 1.00 USDT Transfer to balance 2.50 USDT Withdrawal fee 1.00 USDT Total per payment 4.50 USDT of 50.00 USDT The pricing page returns a 404, and the terms refer to a separate agreement. With no price available, we count 2% for processing, 2.5 USDT for the transfer to balance, and 2% for withdrawal. Worth knowing Two legal entities with different models: the Canadian Q500 Canada holds no funds and sends them straight to the merchant, while the international Q500 MEA holds them in Fireblocks and BitGo wallets. Risks Not a single published price: in their own FAQ, the question “What are the fees for using Bitpace’s Crypto Payment Gateway?” is answered with a line about encryption. USDT is missing from their asset catalogue, although the Tron network is listed. They work only with legal entities. Where we looked bitpace.com/legal-and-regulatory bitpace.com/standard-terms-and-conditions-q500-canada-inc bitpace.com/standard-terms-and-conditions-q500-mea-limited bitpace.com/terms-and-conditions bitpace.com/pricing bitpace.com/crypto-payment-gateway bitpace.com bitpace.com/e-commerce-crypto-payment-gateway bitpace.com/woocommerce-crypto-payment-integration bitpace.com/opencart-crypto-payment-integration bitpace.com/blog/crypto-asset-catalogue bitpace.com/global-settlements help.bitpace.com/en/articles/89516-receive-payment-what-is-it help.bitpace.com/en/articles/89528-why-haven-t-we-received-a-payment-from-a-client help.bitpace.com/en/articles/89533-how-to-deposit-and-withdraw-fiat help.bitpace.com/en/articles/148736-settlement-currency-what-is-it help.bitpace.com/en/articles/89515-why-should-i-choose-bitpace esma.europa.eu/sites/default/files/2024-12/CASPS.csv Partial data
33	Details for AlphaPo AlphaPo Offshore	4.0	iGaming and high-risk	Custodial	10.2%≈	42 assets on 17 networks, including USDT on TRC20	Partly Invoices and balances in 49 fiat currencies, but the balance is virtual: fiat cannot be withdrawn	Required Documents and verification before access to the service	Not found	AlphaPo Solution Inc., Panama, no. 155748730; no licences stated	Yes	No data	The FBI attributes the 2023 theft of $60 million from AlphaPo to North Korean hackers of the Lazarus Group.	Partial data
Scores by criterion Regulation 3/10 Reliability 3/10 Cost 2/10 Features 7/10 Ease of onboarding 5/10 How the cost adds up Minimum fee instead of the rate 1.60 USDT Transfer to balance 2.50 USDT Withdrawal fee 1.00 USDT Total per payment 5.10 USDT of 50.00 USDT The percentage is in the dashboard and is not public. But a minimum fee per deposit is published: €1.50 for USDT TRC-20, and on a 50 USDT invoice the minimum wins out over the percentage. The coin page on the site has gone stale (© 2024) and does not list Tron; the docs do — the rail is there. Worth knowing Two ways to accept payments: deposit channels with no fixed amount for iGaming, and invoices for an exact fiat amount for online shops. Risks The FBI attributes the 2023 theft of $60 million from AlphaPo to North Korean hackers of the Lazarus Group. Where we looked alphapo.net alphapo.net/terms-of-use alphapo.net/supported-coins docs.alphapo.net/deposits/fees docs.alphapo.net/supported-currencies docs.alphapo.net/payment-requests docs.alphapo.net/payment-requests/statuses docs.alphapo.net/payment-requests/underpayments docs.alphapo.net/payment-requests/refunds docs.alphapo.net/deposits docs.alphapo.net/payment-requests/integration-guide docs.alphapo.net/mass-payouts docs.alphapo.net/exchanges docs.alphapo.net/merchant-administration/add-a-user docs.alphapo.net/api-reference/introduction docs.alphapo.net/initial-setup fbi.gov/news/press-releases/fbi-identifies-cryptocurrency-funds-stolen-by-dprk Partial data
34	Details for PayRam PayRam Active	3.9	Non-custodial and self-hosted	Self-hosted	10.0%	USDT, USDC, PYUSD; Ethereum, Base, Polygon, Tron, Bitcoin; Solana and BNB Chain via Smart Bridge	No	None There is no account	N/A It is software	No legal entity named: the agreement is with “PayRam App”, and the contacts list only Telegram, email, and Calendly	Unrestricted iGaming, 18+, and gambling are on their list of industries	Yes	A young project: the first entry in their changelog dates from August 2025. The 1–5% range is published without a single criterion for what the fee depends on.	Full data
Scores by criterion Regulation 5/10 Reliability 4/10 Cost 2/10 Features 6/10 Ease of onboarding 4/10 How the cost adds up Processing fee 0.0% = 0.00 USDT Transfer to balance 2.50 USDT Withdrawal fee 2.50 USDT Total per payment 5.00 USDT of 50.00 USDT Accepting costs nothing. They take 1–5% when funds are withdrawn to a cold wallet and publish no criteria, so we use the top of the range, 5%. The merchant pays the gas for transfers out of deposit addresses from their own Gas Station: we use the market figure, 2.5 USDT. Worth knowing Runs on your own server. Through Smart Bridge it accepts bitcoin and USDT on Tron, plus payments from BNB Chain and Solana, with no node of your own and settlement in USDC on Base. There is an MCP server, a REST API, a WooCommerce plugin, and a Shopify connector. Risks A young project: the first entry in their changelog dates from August 2025. The 1–5% range is published without a single criterion for what the fee depends on. Where we looked docs.payram.com/faqs/general-faqs docs.payram.com/faqs/fund-management-faqs docs.payram.com/features/customer-deposit-wallets docs.payram.com/api-integration/payments-api/create-payment docs.payram.com/api-integration/payments-api/webhook docs.payram.com/onboarding-guide/testing-payment-links docs.payram.com/support/supported-networks-and-coins docs.payram.com/introduction/whats-new docs.payram.com/features/multi-currency-and-multi-chain-support docs.payram.com/features/payouts docs.payram.com/faqs/customization-faqs payram.com/integrations docs.payram.com/payram-sdk/typescript-javascript-sdk payram.com/setup payram.com/product-features docs.payram.com/introduction/payram-usecases payram.com/openclaw payram.com/terms-of-use payram.com/contact-us Full data
35	Details for CoinGate CoinGate No USDT since March 2025	6.0	MiCA-licensed	Custodial	This provider cannot take a USDT invoice on Tron	11 assets: USDC, EURC, BTC, TRX, and more. No USDT	Yes EUR, USD, GBP	Required	Yes Bank of Lithuania	UAB “Decentralized”, Vilnius, company code 303423510; MiCA CASP LB002323 and payment institution LB002324 with the Bank of Lithuania	Limited The terms prohibit unlicensed gambling and 18+ content without age verification	No data	CoinGate cannot take a USDT invoice on any network: USDT support was wound down in Q1 2025, and on 24 March the remaining balances were converted to USDC one to one.	Full data
Scores by criterion Regulation 10/10 Reliability 8/10 Cost 1/10 Features 9/10 Ease of onboarding 6/10 Worth knowing More than ten years on the market: plugins for the main e-commerce platforms, operations in 180+ countries, settlement in EUR, USD, and GBP. On the Standard plan, the merchant is paid out once a week. Risks CoinGate cannot take a USDT invoice on any network: USDT support was wound down in Q1 2025, and on 24 March the remaining balances were converted to USDC one to one. Where we looked coingate.com/pricing support.coingate.com/hc/en-us/articles/4402456264850-Why-does-CoinGate-charge-service-fee coingate.com/blog/post/usdt-dai-discontinued coingate.com/supported-currencies api.coingate.com/v2/currencies support.coingate.com/hc/en-us/articles/23236010880412-Countries-and-territories-not-supported-for-payments support.coingate.com/hc/en-us/articles/4402443368082-How-do-I-make-a-payment-through-CoinGate support.coingate.com/hc/en-us/articles/22535958847004-Can-I-use-the-same-address-from-a-previous-CoinGate-checkout-page-to-pay-again support.coingate.com/hc/en-us/articles/4402503049234-I-paid-too-little-What-should-I-do support.coingate.com/hc/en-us/articles/4402495501970-I-paid-too-much-How-do-I-get-a-refund-for-the-excess-amount coingate.com/policy/special-terms-and-conditions-for-crypto-assets-payment-processing support.coingate.com/hc/en-us/articles/10420045425948-Is-it-possible-to-complete-an-order-after-it-has-been-canceled-or-expired support.coingate.com/hc/en-us/articles/4402506018962-Why-does-a-checkout-page-expire-after-20-minutes support.coingate.com/hc/en-us/articles/22985034582812-What-are-Batch-Payouts-and-how-can-I-use-them support.coingate.com/hc/en-us/articles/20081370314268-How-to-Create-and-Send-a-Crypto-Invoice-Instantly-via-CoinGate support.coingate.com/hc/en-us/articles/4402506061970-What-currencies-can-I-get-paid-in-for-my-sales support.coingate.com/hc/en-us/articles/4948950501788-How-to-Issue-a-Refund-for-a-Paid-and-Confirmed-Order coingate.com/plugins developer.coingate.com/reference/code-libraries github.com/orgs/coingate/repositories developer.coingate.com/reference/environments developer.coingate.com/reference/checkout web.archive.org/web/20250514073707/https://coingate.com/pos support.coingate.com/hc/en-us/articles/23944891363100-User-roles-walkthrough support.coingate.com/hc/en-us/articles/4402499117842-What-documents-do-I-need-to-verify-my-business-account support.coingate.com/hc/en-us/articles/4402499673746-Is-CoinGate-registered-as-a-money-transmitter-or-an-electronic-money-institution coingate.com/policy/general-terms-and-conditions coingate.com/policy/crypto-custody-policy-summary Full data Full review of this provider
36	Details for Stripe Stripe stablecoin payments No Tron, no on-chain USDT	5.7	Large payment companies	Custodial	This provider cannot take a USDT invoice on Tron	USDC on Tempo, Ethereum, Solana, Polygon, and Base; USDP and USDG in the US only; from a Crypto.com account, any token on that exchange. No on-chain USDT	Yes To the Stripe balance, in your currency	Required	Via group Bridge: CASP and EMI, Luxembourg	Regulated PSP; Bridge: MiCA CASP and EMI	Limited	No data	Access is limited for businesses outside the US; these payments have no dispute mechanism.	Full data
Scores by criterion Regulation 9/10 Reliability 10/10 Cost 1/10 Features 7/10 Ease of onboarding 5/10 Worth knowing Built into Stripe Checkout. USDC acceptance is open to Shopify merchants in 34 countries; in the EU, Hong Kong, Mexico, and Switzerland, it is in private preview. A $10,000 limit per transaction; refunds go back in stablecoins to the buyer’s original wallet. Risks Access is limited for businesses outside the US; these payments have no dispute mechanism. Where we looked docs.stripe.com/payments/stablecoin-payments docs.stripe.com/payments/deposit-mode-stablecoin-payments docs.stripe.com/payments/accept-stablecoin-payments docs.stripe.com/payments/payment-methods/payment-method-support docs.stripe.com/connect/stablecoin-payouts docs.stripe.com/billing/subscriptions/stablecoins docs.stripe.com/sdks/server-side docs.stripe.com/get-started/account/teams/roles docs.stripe.com/use-stripe-apps docs.stripe.com/use-stripe-apps/adobe-commerce/payments docs.stripe.com/use-stripe-apps/commercetools-connect docs.stripe.com/use-stripe-apps/salesforce-commerce-cloud docs.stripe.com/use-stripe-apps/prestashop docs.stripe.com/use-stripe-apps/shopware6 stripe.com/newsroom/news/shopify-stripe-stablecoin-payments stripe.com/en-us/pricing/local-payment-methods stripe.com/customers/shadeform support.stripe.com/questions/get-started-with-stablecoin-payments docs.stripe.com/get-started/account/set-up stripe.com/legal/stablecoin-payments bridge.xyz/legal/licenses/non-us-licenses stripe.com/legal/restricted-businesses Full data Full review of this provider
37	Details for BitPay BitPay MiCA since July 2026	5.6	MiCA-licensed	Custodial	This provider cannot take a USDT invoice on Tron	BTC and Lightning, BCH, LTC, DOGE, XRP, Polygon, Ethereum, L2s, and Solana; no Tron network	Yes 9 currencies, banks in 37 countries	Required Four tiers by volume, requiring documents and beneficial-owner details	Yes AFM, Netherlands	MiCA (AFM), US state money transmitter licences	Limited Their footnote: “Higher fees applicable for high-risk industries”	No data	BitPay cannot take a USDT invoice on Tron: Tron is not on its list of networks. The fixed $0.25 on a 50 USDT invoice adds another half a percent. In 2021, BitPay paid OFAC $507,375 over 2,102 apparent sanctions violations, and in 2023 NYDFS fined it $1 million.	Full data
Scores by criterion Regulation 10/10 Reliability 9/10 Cost 1/10 Features 7/10 Ease of onboarding 5/10 Worth knowing Operating since 2011: fiat settlement every business day, with a $20 minimum. The rate falls with volume: 2% up to $500,000 a month, 1.5% up to $1 million, then 1%. Risks BitPay cannot take a USDT invoice on Tron: Tron is not on its list of networks. The fixed $0.25 on a 50 USDT invoice adds another half a percent. In 2021, BitPay paid OFAC $507,375 over 2,102 apparent sanctions violations, and in 2023 NYDFS fined it $1 million. Where we looked bitpay.com/pricing support.bitpay.com/hc/en-us/articles/203324073-What-fees-will-I-pay-to-use-BitPay-for-payment-processing support.bitpay.com/hc/en-us/articles/115002990803-What-is-the-Network-Cost-fee-on-BitPay-invoices-and-why-is-BitPay-charging-it support.bitpay.com/hc/en-us/articles/201890513-What-are-my-options-for-settlement support.bitpay.com/hc/en-us/articles/203010416-When-do-BitPay-Merchant-account-settlements-occur support.bitpay.com/hc/en-us/articles/203411543-What-cryptocurrencies-can-I-use-to-pay-a-BitPay-Invoice developer.bitpay.com/docs/invoice-states support.bitpay.com/hc/en-us/articles/115005559826-How-do-I-pay-a-BitPay-Invoice support.bitpay.com/hc/en-us/articles/360022482971-What-happens-when-an-invoice-expires support.bitpay.com/hc/en-us/articles/203010466-Why-does-an-invoice-expire-after-15-minutes bitpay.com/send support.bitpay.com/hc/en-us/articles/204936445-How-do-I-configure-recurring-subscription-billing support.bitpay.com/hc/en-us/articles/203324153-How-do-I-send-a-bill-to-my-customer support.bitpay.com/hc/en-us/articles/205071499-How-do-I-refund-a-fully-paid-invoice developer.bitpay.com/docs/plugins developer.bitpay.com/docs/libraries support.bitpay.com/hc/en-us/articles/115003001083-Can-I-test-the-service-without-signing-up-for-a-live-account developer.bitpay.com/docs/display-invoice bitpay.com/retail support.bitpay.com/hc/en-us/articles/360000236686-Can-I-set-up-multi-user-access-on-the-BitPay-dashboard bitpay.com/currencies support.bitpay.com/hc/en-us/articles/360000123366-What-countries-or-jurisdictions-does-BitPay-support support.bitpay.com/hc/en-us/articles/206003676-How-do-I-raise-my-approved-processing-volume-tier-limit support.bitpay.com/hc/en-us/articles/115003105543-Can-I-use-BitPay-in-my-industry bitpay.com/resources/bitpay-secures-mica-licence bitpay.com/legal/licenses ofac.treasury.gov/recent-actions/20210218 web.archive.org/web/20240912233653/https://www.dfs.ny.gov/system/files/documents/2023/03/ea20230316_bitpay.pdf Full data Full review of this provider
38	Details for Blockonomics Blockonomics USDT on Ethereum only	5.4	Non-custodial and self-hosted	Non-custodial	This provider cannot take a USDT invoice on Tron	BTC, BCH, and USDT; USDT on Ethereum only	No	None	Not found	OneByZero Tech Pte. Ltd., Singapore law; no licences stated	No data	Yes	None noted	Full data
Scores by criterion Regulation 3/10 Reliability 7/10 Cost 1/10 Features 7/10 Ease of onboarding 8/10 Worth knowing BTC, BCH, and USDT payments go straight to the merchant’s wallet, and checkout happens on the merchant’s own site, with no redirect to a third-party page. Where we looked blockonomics.co/pricing help.blockonomics.co/support/solutions/articles/33000208618-how-blockonomics-pricing-works- help.blockonomics.co/support/solutions/articles/33000315426-what-is-blockonomics- help.blockonomics.co/support/solutions/articles/33000314926-woocommerce-plugin-now-supports-usdt-payments- blockonomics.co/merchants developers.blockonomics.co/docs/guides/receiving-payments wordpress.org/plugins/blockonomics-bitcoin-payments help.blockonomics.co/support/solutions/articles/33000293359-whmcs-blockonomics-setup-guide help.blockonomics.co/support/solutions/articles/33000287720-how-to-use-testmode-in-blockonomics insights.blockonomics.co/how-to-create-a-bitcoin-payment-link help.blockonomics.co/support/solutions/articles/33000267084-bitcoin-payment-widget-setup blockonomics.co/integrations help.blockonomics.co/support/solutions/articles/33000293504-telegram-bot-integration-btc- developers.blockonomics.co/docs/guides/sending-bitcoin insights.blockonomics.co/sending-bitcoin-introducing-our-opensource-self-hosted-wallet-service-c786e50a3423 help.blockonomics.co/support/solutions/articles/33000314927-p2p-invoice-creation-will-be-disabled-from-oct-29-2025 insights.blockonomics.co/accepting-bitcoin-subscriptions-on-your-woocommerce-store-a-step-by-step-guide help.blockonomics.co/support/solutions/articles/33000248576-prestashop-integration-btc- developers.blockonomics.co/docs developers.blockonomics.co/docs/merchants/get_price blockonomics.co/api/currencies blockonomics.co/privacy Full data
39	Details for Crypto.com Pay Crypto.com Pay No Tron network	4.9	Large payment companies	Custodial Revenue accumulates on the merchant’s balance; withdrawal on request	This provider cannot take a USDT invoice on Tron	USDT on Cronos, ERC20, and Polygon; USDC on six networks	Yes Payouts in USD, EUR (SEPA), and AUD to a bank account	Required	Via group Foris DAX MT, MiCA CASP, Malta	Class 2 MiCA CASP (Malta), MPI in Singapore, EMI in the UK	No data	No data	Crypto.com Pay cannot take a USDT invoice on Tron: Tron is not on its list of networks. The Dutch central bank fined Foris DAX MT €2.85 million for operating without registration. In January 2022, 483 accounts were hacked for $34 million; the affected customers were reimbursed.	Full data
Scores by criterion Regulation 7/10 Reliability 7/10 Cost 1/10 Features 5/10 Ease of onboarding 6/10 Worth knowing Buyers pay from the Crypto.com app or from an external wallet, using the address and QR code; on such a transfer, the buyer pays the network fee. Risks Crypto.com Pay cannot take a USDT invoice on Tron: Tron is not on its list of networks. The Dutch central bank fined Foris DAX MT €2.85 million for operating without registration. In January 2022, 483 accounts were hacked for $34 million; the affected customers were reimbursed. Where we looked pay-docs.crypto.com/#overview-accepting-payments pay-docs.crypto.com/#overview-accepting-payments-refund pay-docs.crypto.com/#overview-payouts pay-docs.crypto.com/#integration-guides-ecommerce-solution-plugins pay-docs.crypto.com/#api-reference help.crypto.com/en/articles/6075352-what-are-the-supported-payment-currencies help.crypto.com/en/articles/6412840-how-do-i-pay-a-crypto-com-pay-merchant-with-other-crypto-wallets crypto.com/licenses crypto.com/us/pay-merchant help.crypto.com/en/articles/6062968-what-can-i-do-with-crypto-com-pay-for-business help.crypto.com/en/articles/4171295-how-to-register-and-approve-crypto-com-pay-for-business-merchant-account web.archive.org/web/20251204195658/https://www.dnb.nl/en/general-news/enforcement-measures-2024/fine-for-foris-dax-mt-limited-crypto-com-for-having-provided-crypto-services-without-the-required-registration-until-2-august-2023-in-the-netherlands crypto.com/en/company-news/crypto-com-january-2022-updates Full data
40	Details for Binance Pay Binance Pay Payment only within Binance	4.7	Large payment companies	Custodial Within Binance	This provider cannot take a USDT invoice on Tron	50+ cryptocurrencies	Partly Via the exchange	Required A corporate Binance account with entity verification is required	No Application in Greece withdrawn on 24 June 2026	No data	Limited 18+, unlicensed gambling, and some high-risk industries are not accepted	No data	Only Binance users can pay. In 2023, Binance pleaded guilty in the US and agreed to pay $4.3 billion under its agreement with the Department of Justice; claims by FinCEN, OFAC, and the CFTC were settled in parallel. The company withdrew its MiCA licence application in Greece in June 2026.	Full data
Scores by criterion Regulation 5/10 Reliability 7/10 Cost 1/10 Features 5/10 Ease of onboarding 6/10 Worth knowing According to Richard Teng, one of Binance’s two CEOs, more than 21 million merchants accept Binance Pay. In May 2026, QR payments worked in six countries in Asia and Latin America; by Q3, Binance aims to reach at least 10 countries, including some outside those regions. Risks Only Binance users can pay. In 2023, Binance pleaded guilty in the US and agreed to pay $4.3 billion under its agreement with the Department of Justice; claims by FinCEN, OFAC, and the CFTC were settled in parallel. The company withdrew its MiCA licence application in Greece in June 2026. Where we looked binance.com/en/support/faq/binance-pay-fees-6ff1944867e54b9a9576bce3109c7f7a binance.com/en-NG/blog/all/what-you-need-to-know-about-being-a-binance-pay-merchant-7015898942551018911 merchant.binance.com/en/how-to-accept/USDT merchant.binance.com/en/docs/functionalities/single-payment/hosted-checkout-page merchant.binance.com/en/docs/functionalities/single-payment/native-apis merchant.binance.com/en/docs/home developers.binance.com/en/docs/products/binance-pay-merchant/api-order-query-v2.md developers.binance.com/docs/binance-pay/api-order-create-v3 binance.com/bapi/asset/v1/public/asset-service/product/currency binance.com/en/support/faq/detail/942c5c12e00b494e9bc3e2ab31f7da19 merchant.binance.com/en/docs/functionalities/payout merchant.binance.com/en/docs/functionalities/direct-debit merchant.binance.com/en/docs/functionalities/invoicing merchant.binance.com/en/docs/functionalities/payment-links merchant.binance.com/en/docs/functionalities/refund-order merchant.binance.com/en/docs/functionalities/ecommerce-platforms/woo-commerce merchant.binance.com/en/products/app-sdk merchant.binance.com/en/docs/functionalities/merchant-platform/role-and-access developers.binance.com/docs/binance-pay/faq binance.com/en/support/faq/7a49148912214defa816f14ee51b9f9f binance.com/en/blog/regulation/4457979419755346760 home.treasury.gov/news/press-releases/jy1925 binance.com/en-AE/square/post/304920459956785 binance.com/en/square/post/319817373268273 web.archive.org/web/20250101041550/https://www.justice.gov/opa/pr/binance-and-ceo-plead-guilty-federal-charges-4b-resolution Full data
41	Details for Coinbase Business Coinbase Business and Coinbase Payments US and Singapore	4.4	Large payment companies	Custodial	This provider cannot take a USDT invoice on Tron	USDC on Ethereum, Base, Polygon, Optimism, Avalanche, and Arbitrum; USDT on Ethereum only, and not in every country. No Tron network	Yes Bank withdrawal	Required KYB plus KYC of every beneficial owner: EIN, W-9, documents	N/A Not available in the EU	Regulated Coinbase group	No Unlicensed gambling and higher-risk businesses are prohibited	No data	Coinbase Business cannot take a USDT invoice on Tron: they added USDT on 11 August 2026, but only on Ethereum, and Tron is not on the list of networks. Coinbase Commerce has been closed since 31 March 2026; its replacement is open to merchants in the US and Singapore. The Central Bank of Ireland fined Coinbase Europe €21.5 million in November 2025.	Partial data
Scores by criterion Regulation 9/10 Reliability 8/10 Cost 1/10 Features 7/10 Ease of onboarding 2/10 Worth knowing The successor to Coinbase Commerce: custody with Coinbase, withdrawal to a bank account, integrations with QuickBooks and Xero, and every payment product on stablecoins only. Plugins exist for WooCommerce, Magento, and WHMCS. Coinbase Payments is a product for platforms such as Shopify, not for an individual merchant. Coinbase promises expansion to other countries during 2026. Risks Coinbase Business cannot take a USDT invoice on Tron: they added USDT on 11 August 2026, but only on Ethereum, and Tron is not on the list of networks. Coinbase Commerce has been closed since 31 March 2026; its replacement is open to merchants in the US and Singapore. The Central Bank of Ireland fined Coinbase Europe €21.5 million in November 2025. Where we looked coinbase.com/business/payments help.coinbase.com/en/coinbase/trading-and-funding/coinbase-business/payment-links coinbase.com/business/features-checkouts docs.cdp.coinbase.com/coinbase-business/checkout-apis/overview docs.cdp.coinbase.com/api-reference/business-api/rest-api/checkouts/create-checkout docs.cdp.coinbase.com/coinbase-business/checkout-apis/sandbox docs.cdp.coinbase.com/sdks help.coinbase.com/en/coinbase/other-topics/business/payout coinbase.com/blog/introducing-a-powerful-suite-of-business-payment-tools-on-coinbase-business help.coinbase.com/en/coinbase/other-topics/business/automate-withdrawals-liquidation help.coinbase.com/en/coinbase/other-topics/business/team-member-access-permissions help.coinbase.com/en/coinbase/other-topics/business/business-overview coinbase.com/legal/prohibited_use help.coinbase.com/en/transitioning-from-coinbase-commerce-to-coinbase-business coinbase.com/blog/getting-paid-in-crypto-just-got-a-lot-more-powerful-with-coinbase-business coinbase.com/blog/powering-the-future-of-ecommerce-introducing-coinbase-payments coinbase.com/legal/licenses centralbank.ie/news/article/press-release-enforcement-action-against-coinbase-europe-limited-6-November-2025 Partial data
42	Details for PYMSTR PYMSTR No Tron network	4.2	iGaming and high-risk	Non-custodial	This provider cannot take a USDT invoice on Tron	USDC and USDT on Ethereum, Base, Polygon, Arbitrum, and BNB; no Tron	No	None No KYB	Not found	Promeet Technology Limited, DIFC, UAE; no licences stated	Yes	No data	They cannot take a USDT invoice on Tron — Tron is missing from their list of networks. The service is young: the first version of the merchant agreement is dated 25 February 2026.	Partial data
Scores by criterion Regulation 3/10 Reliability 3/10 Cost 1/10 Features 2/10 Ease of onboarding 9/10 Worth knowing The buyer signs in with Google, email, SMS, or Apple and gets an embedded wallet. Risks They cannot take a USDT invoice on Tron — Tron is missing from their list of networks. The service is young: the first version of the merchant agreement is dated 25 February 2026. Where we looked pymstr.com/pricing pymstr.com/products/checkout pymstr.com/features/social-login-wallet pymstr.com/features/non-custodial pymstr.com/features/no-kyb pymstr.com/solutions/igaming pymstr.com/legal/merchant-agreement docs.pymstr.com/currencies docs.pymstr.com/payments docs.pymstr.com/payment-states docs.pymstr.com/examples pymstr.com/developers pymstr.com/products/payouts pymstr.com/solutions/creators pymstr.com/products/payment-links Partial data
43	Details for CoinsPaid CoinsPaid No USDT on any network	4.1	iGaming and high-risk	Custodial	This provider cannot take a USDT invoice on Tron	USDC on six networks, EURC, USDG, and 11 coins; no USDT	Yes Bank withdrawal in EUR only	Required	Applied Estonia, pending	No authorisation in the ESMA register; an application by Dream Finance OÜ is pending in Estonia	Yes	No data	The Estonian entity is not taking new clients until the regulator rules on its MiCA application, and the Lithuanian one has suspended all crypto-asset services — as their notice states. USDT has been removed from the public list of currencies; only native TRX is left. Two incidents: on 22 July 2023, the company lost $37.3 million in a hack and linked the attack to Lazarus, and in January 2024, analysts at Cyvers flagged an outflow of about $7.5 million, which CoinsPaid did not comment on.	Full data
Scores by criterion Regulation 3/10 Reliability 4/10 Cost 1/10 Features 8/10 Ease of onboarding 5/10 Worth knowing Invoices, deposit channels, payment links, a POS terminal, and plugins for seven platforms, from WooCommerce to Shopify; iGaming is a separate line of business. Risks The Estonian entity is not taking new clients until the regulator rules on its MiCA application, and the Lithuanian one has suspended all crypto-asset services — as their notice states. USDT has been removed from the public list of currencies; only native TRX is left. Two incidents: on 22 July 2023, the company lost $37.3 million in a hack and linked the attack to Lazarus, and in January 2024, analysts at Cyvers flagged an outflow of about $7.5 million, which CoinsPaid did not comment on. Where we looked cryptoprocessing.com docs.cryptoprocessing.com/supported-currencies docs.cryptoprocessing.com/important-notice esma.europa.eu/sites/default/files/2024-12/CASPS.csv docs.cryptoprocessing.com/payment-requests docs.cryptoprocessing.com/payment-requests/underpayments docs.cryptoprocessing.com/payment-requests/statuses docs.cryptoprocessing.com/payment-requests/refunds docs.cryptoprocessing.com/deposits docs.cryptoprocessing.com/deposits/design-payment-form docs.cryptoprocessing.com/deposits/fees docs.cryptoprocessing.com/mass-payouts docs.cryptoprocessing.com/fiat/withdraw-fiat docs.cryptoprocessing.com/merchant-administration/add-a-user docs.cryptoprocessing.com/api-reference/introduction cryptoprocessing.com/crypto-pos-terminal cryptoprocessing.com/industries/crypto-payment-gateway-for-igaming-industry cryptoprocessing.com/industries/ecommerce coinspaid.com/company-updates/the-coinspaid-hack-explained thepaypers.com/crypto-web3-and-cbdc/news/coinspaid-hit-by-usd-75-million-cryptocurrency-breach Full data

Crypto payment gateway shortlist

How the score works

Each provider has five scores, one per criterion, from 1 to 10. The total is their weighted average, with the weights set above, on the same ten-point scale. The scores are editorial and rest on public data.

Regulation

10 — MiCA CASP authorisation together with a payment licence, or a regulated PSP. 7–8 — a licence held by the provider’s group or by its owner. 4–5 — MSB registration or offshore licences. 5 — self-hosted software that needs no licence. 3 — no public licences found, or no MiCA authorisation while an application is pending. 2 — custodial holding with no licences and no KYC. 1 — a regulator’s fine or a blockchain-analytics flag.

Reliability

9–10 — many years on the market, large volumes, no public incidents. 7–8 — several years of stable operation. 5–6 — a mid-length track record, or little data. 3–4 — a young provider, a past hack, or an opaque ownership structure. 1–2 — regulator sanctions or a blockchain-analytics flag.

How the cost is calculated

Every provider gets the same payment: a 50 USDT invoice on Tron, followed to the end — until the money is in the merchant’s wallet. Four amounts add up: the processing fee, fixed fees, the transfer from the invoice address to the balance, and the withdrawal fee. We leave out the network fee on a withdrawal, but only when the provider passes it on at cost and makes its money elsewhere: that fee is paid once per withdrawal, not on every payment. If the provider’s whole price sits on the withdrawal, it counts — otherwise the provider would look free. The Tron transfer is taken at 2.5 USDT wherever the provider names no price of its own. Who pays, merchant or buyer, does not change the total: a fee passed on to the buyer is still part of the price of the sale, and the breakdown shows whose pocket it comes from. Where the money lands straight in the merchant’s wallet, there is no withdrawal at all. The arithmetic is in each provider’s expanded row.

The transfer fee is part of this number. Moving money from the invoice address to a pooled wallet costs something on every network. Providers that publish their own figure: Coinremitter (2 USDT) and Trybit (1.4 USDT). For everyone else we use the market cost of a USDT transfer on Tron — 2.5 USDT. Where a provider does not charge this fee, the breakdown says “not charged”.

The ≈ sign marks providers whose rate we could not find — “individual”, “by agreement”, “contact us”, or no figure at all. In its place we use 2% plus the transfer fee. That is not the provider’s price but the top of the usual market range. So everyone under ≈ carries the same rate, and it says nothing about how they compare. A published figure will replace it.

Cost

The score comes from the all-in cost, not from the rate in the price list: up to 0.5% — 10; up to 1% — 9; up to 1.5% — 8; up to 2% — 7; up to 3% — 6; up to 5% — 5; up to 6% — 4; up to 7.5% — 3; above that — 2. A price-list rate covers processing only and says nothing about the transfer, so it gets no scale of its own. Providers under ≈ are scored on the stand-in 2%, not on their real price: once they publish it, the score will change. Conversion spreads are left out for everyone — almost no one discloses them.

Features

The score comes from a checklist in four groups: how the provider takes an invoice — an address and QR code for each invoice, underpayment, overpayment, paying in parts or late, a rate held for the life of the invoice; what it does with the money — mass payouts, subscriptions, auto-conversion, fiat withdrawal, refunds; how it connects — CMS plugins, server SDKs, a sandbox, payment links, an embedded checkout, POS, Telegram; how a team works with it — roles and fiat invoice currencies. The number of assets and networks does not affect the score. A feature the provider describes nowhere is not counted.

Ease of onboarding

9–10 — sign-up in minutes, with no KYC or a minimal check. 7–8 — self-serve onboarding with a review. 5–6 — mandatory KYB. 3–4 — onboarding only through a manager, or you host it yourself. 1–2 — available only in certain countries.

A dash in the cost column means the provider cannot take a USDT invoice on Tron. Those rows sit below all the others, whatever their score: there is one scenario here, and a provider that cannot run it does not compete with those that can. Their score stays visible — it tells you the provider is serious, just not for this job. “No data” means nothing turned up in public sources. “Not found” in the MiCA column means we did not come across an authorisation in the material we reviewed; check the ESMA register. “N/A” means not applicable.

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What changed over the past year

October 2025 FINTRAC fined Xeltox Enterprises Ltd., the operator of Cryptomus, 176.96 million Canadian dollars — the largest penalty in the agency’s history; the company has appealed. MoonPay brought Helio’s products under the MoonPay Commerce brand.
6 November 2025 The Central Bank of Ireland fined Coinbase Europe €21.46 million for failures in transaction monitoring.
31 March 2026 Coinbase Commerce shut down. Its replacement, Coinbase Business, is open to merchants in the US and Singapore.
April 2026 Confirmo received a payment institution licence in Ireland; it has held MiCA CASP authorisation since December 2025. TRM Labs published a report linking Heleket to Cryptomus.
21 May 2026 Triple-A received MiCA CASP authorisation in France. Bithumb blocked all deposits and withdrawals linked to Heleket.
June 2026 CryptoCloud became Trybit.
1 July 2026 The MiCA transition period ended. CoinsPaid has no authorisation in the ESMA register; an application by Dream Finance OÜ, the service’s operator, is pending in Estonia.
July 2026 BitPay obtained MiCA authorisation through the Dutch AFM.
25 July 2026 Operational wallets of Triple-A’s Singapore entity, holding the company’s own funds, were hacked. Triple-A has not disclosed the amount; it is investigating together with MAS and the Singapore police.
3 August 2026 Mastercard closed its acquisition of BVNK: $1.5 billion, plus another $300 million on reaching performance targets.
11 August 2026 Coinbase Business began accepting USDT across all its payment products — on Ethereum, settled in USDC.
31 August 2026 Revolut ended USDT support for customers in the EEA and Switzerland. USDT has no MiCA authorisation.

Sources

Decision snapshot

What changes the operating decision

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.

Verification and activation

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

Accepted and settled asset

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

Complete payment path

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

Integration coverage

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

Operational controls

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

Paymos product proof

Four facts to test before comparing providers

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.

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.

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.

Official integration paths for code and CMS

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

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.

01
The payer sends the selected asset and pays the wallet network fee.
02
Paymos accepts and consolidates the payment without a separate transfer or sweep commission.
03
The same accepted asset is credited to the merchant balance after the 1.0% Standard processing fee.
04
The merchant sees the subsidized withdrawal network fee and route minimum before confirming withdrawal.

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

Paymos compiled this comparison and is one of its rows. The scores are editorial; the data comes from public sources, was rechecked against each provider’s own pages, and is current as of September 23, 2026. This is not an audit, and it is not legal or investment advice. Fees and licences change — before you sign up, check the contract and the ESMA register.

Crypto payment gateways: the all-in cost at 43 providers

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