Published acceptance fee
2% + $0.25 below $500,000 monthly volume; 1.5% + $0.25 from $500,000 to $999,999; 1% + $0.25 at $1 million or more. BitPay states that higher rates can apply to high-risk industries.
Independent comparison
BitPay review, fees, and alternatives
BitPay is a custodial crypto payment processor built for merchants that want broad crypto acceptance and optional fiat settlement. Its published acceptance price is 2% + $0.25 below $500,000 monthly volume, falling to 1% + $0.25 at $1 million or more; small invoices and settlement choices therefore matter.
Facts checked 2 August 2026
Published terms at a glance
Settlement model
Merchants can settle in supported fiat currency, cryptocurrency, or a mix. Fiat settlement introduces a conversion and banking route that is different from receiving the invoice asset unchanged.
When this provider can fit
- Merchants that require fiat bank settlement.
- Businesses that need BitPay invoicing, retail, ecommerce, or payout products in one provider.
- High-volume merchants that can qualify for the lower published tier.
What changes the effective cost
A headline processing rate is only one layer. Model the invoice, payer network fee, acceptance or sweep cost, conversion, settlement, withdrawal, and refund as separate entries.
- 01The $0.25 fixed component has a larger percentage impact on low-value invoices.
- 02BitPay documents a separate buyer Network Cost for Bitcoin when its estimated sweep cost exceeds $0.01; the payer still pays the miner fee for the original transaction.
- 03Refunds can create miner-fee deductions, and high-risk pricing can differ from the public tiers.
- 04Compare the locked exchange rate and final settlement credit when choosing fiat settlement.
Paymos
How Paymos differs
Paymos charges 1.0% per settled invoice on Standard or 0.3% on an agreed Enterprise plan. There is no setup fee, monthly fee, minimum, reserve, forced conversion, or processing commission on withdrawal. Paymos covers acceptance and consolidation network cost; a disclosed subsidized network fee can apply when the merchant withdraws.
What to verify before signing
- Run the same low-value and normal-value invoice through the exact asset and network you plan to use.
- Record the payer debit, merchant credit, settlement credit, and withdrawal credit instead of comparing percentages alone.
- Confirm the contracted rate, high-risk adjustments, minimums, reserves, refund charges, and geographic eligibility in writing.
- Confirm whether the Bitcoin Network Cost or a passed-through merchant processing fee appears in your checkout configuration.
Frequently asked questions
What fee does BitPay publish?+
2% + $0.25 below $500,000 monthly volume; 1.5% + $0.25 from $500,000 to $999,999; 1% + $0.25 at $1 million or more. BitPay states that higher rates can apply to high-risk industries.
Does BitPay have hidden fees?+
This review does not label unverified charges as hidden. It separates every publicly disclosed processing, network, conversion, settlement, withdrawal, and refund layer so you can reproduce the effective cost.
What should I verify about BitPay?+
Run the same low-value and normal-value invoice through the exact asset and network you plan to use. Record the payer debit, merchant credit, settlement credit, and withdrawal credit instead of comparing percentages alone. Confirm the contracted rate, high-risk adjustments, minimums, reserves, refund charges, and geographic eligibility in writing. Confirm whether the Bitcoin Network Cost or a passed-through merchant processing fee appears in your checkout configuration.
Is Paymos an alternative to BitPay?+
Paymos charges 1.0% per settled invoice on Standard or 0.3% on an agreed Enterprise plan. There is no setup fee, monthly fee, minimum, reserve, forced conversion, or processing commission on withdrawal. Paymos covers acceptance and consolidation network cost; a disclosed subsidized network fee can apply when the merchant withdraws.
Can I rely on the headline rate alone?+
No. Test the exact invoice, network, asset, conversion choice, settlement route, and withdrawal path used by your business.
When were these facts checked?+
The linked first-party sources were checked on 2 August 2026. Confirm your contract and dashboard quote before launch.
Official sources
Provider facts are based on public first-party pages available on the review date. Contracts, dashboard quotes, geography, and fees can change.
Continue comparing
Crypto payment gateways
There is no single best crypto payment gateway. The right choice is the provider whose supported asset and network, custody model, settlement route, and full effective cost match your real payment flow. Compare a complete test transaction, not the headline percentage.
CoinGate
CoinGate is a custodial gateway for accepting crypto and settling in crypto or supported fiat. Its Standard plan publishes a 1% processing fee with no monthly fee, while payouts, manual exchange, refunds in another currency, and SWIFT settlement have separate published conditions.
CoinPayments
CoinPayments is a custodial multi-asset gateway and wallet. Its official fee page publishes 0.5% for payments in native coins and 1% for tokens; ASAP settlement adds one network fee per payment, nightly settlement adds one network fee for the batch, and conversion or withdrawal creates separate cost layers.
Cryptomus
Cryptomus is a custodial payment gateway, business wallet, and exchange. Its official payment-fee page says new users pay 2% per transaction and negotiated pricing can fall to 0.4%; it also advertises free auto-conversion, while withdrawals remain subject to a mining or network fee.
NOWPayments
NOWPayments is a multi-asset crypto gateway with custody, conversion, payout, invoice, plugin, and point-of-sale options. Its official pricing starts at 0.5% when the payer and merchant use the same cryptocurrency; exchanging into another asset adds 0.5%, making the published combined fee 1%.
Stripe Crypto Payments
Stripe Stablecoin Payments lets eligible US businesses accept supported stablecoins from global customers and receive USD in their Stripe balance. The published fee is 1.5% and includes fiat conversion, wallet and AML screening, fraud prevention, and gas sponsorship; it is not same-asset crypto settlement.