Comparison guide by Paymos
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. Tron is absent from its network list, so a USDT invoice on Tron is not something BitPay can raise. The benchmark this comparison prices elsewhere — 50 USDT in Tron, followed to the merchant’s wallet — therefore has no BitPay figure at all; price them on the chains they do carry.
Reviewed
Published terms at a glance
| 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. |
|---|---|
| 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. |
| Qualification 1 | For Bitcoin invoices only, BitPay documents a buyer Network Cost when its estimated sweep cost exceeds $0.01; the payer miner fee remains separate. |
| Qualification 2 | Refunds can deduct a miner fee, and high-risk processing can use a different rate. |
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 50 USDT Tron invoice this comparison runs everywhere else cannot be raised here at any price: Tron is not on the network list. Coverage is the first question, the rate the second.
- 02The $0.25 fixed component has a larger percentage impact on low-value invoices.
- 03On Bitcoin only, BitPay charges the buyer a Network Cost when its estimated sweep cost exceeds $0.01; the payer also pays the miner fee on the original transfer, while on a payout BitPay covers the miner fee itself.
- 04Refunds can create miner-fee deductions, and high-risk pricing can differ from the public tiers.
- 05Compare the locked exchange rate and final settlement credit when choosing fiat settlement.
Paymos
How Paymos differs
Unlike BitPay’s fixed $0.25 invoice component and volume tiers, Paymos publishes 1.0% Standard processing with same-asset supported-stablecoin balances. Paymos adds no separate transfer or sweep commission to an accepted payment. The payer still pays the send-network cost, and a disclosed subsidized network fee can apply when the merchant withdraws.
What Paymos does not replace
Paymos does not replace BitPay when a merchant needs native Bitcoin acceptance or automatic fiat bank settlement.
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.
Which BitPay fee layers should I verify?+
Verify 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?+
Unlike BitPay’s fixed $0.25 invoice component and volume tiers, Paymos publishes 1.0% Standard processing with same-asset supported-stablecoin balances. Paymos adds no separate transfer or sweep commission to an accepted payment. The payer still pays the send-network cost, and 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 September 22, 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.
Report an error or read the correction methodContinue 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. USDT is no longer on the asset list: CoinGate discontinued it on 24 March 2025 and converted the remaining balances to USDC one for one. That closes off the invoice this comparison prices elsewhere: 50 USDT in Tron cannot be raised here on any chain, so the 1% applies to a different asset than the one being priced.
CoinPayments
CoinPayments is a custodial multi-asset gateway and wallet. On its current platform, where new merchants sign up, it charges 1% on tokens, USDT among them, and from 0.5% on coins; the 3% still quoted for its Legacy platform is not what a new account pays. The network fee sits with the buyer: an invoice completes only once the buyer has covered it on top of the amount. CoinPayments left the European Union on 1 July 2026, so a business there cannot open an account at all. Follow one 50 USDT invoice in Tron from the buyer’s transfer to the merchant’s wallet: CoinPayments keeps 0.50 USDT, the buyer pays about 2.50 USDT of Tron network fee on top, 52.50 USDT in all, and the deal costs 6%.
Cryptomus
Cryptomus is a custodial payment gateway, business wallet, and exchange. New users pay 2% per transaction, negotiated pricing can fall to 0.4%, and a merchant project passes moderation. Auto-conversion is advertised as free, while withdrawals remain subject to a mining fee. On a 50 USDT invoice in Tron the 2% is the whole price of the sale — nothing is added for crediting the balance — so the headline survives the trip. What costs money is the payout, charged per payout rather than per sale.
NOWPayments
NOWPayments is a multi-asset crypto gateway. Its published service fee is flat: 1% on a payment that needs no exchange, and 1.5% once the payment is multi-currency, uses a fixed rate, or has the fee charged to the payer. Custom offers or a discount system can take the rate as low as 0.3%. Custodial withdrawals and non-custodial forwarding follow different network-fee paths, so there is no universal double-network-fee rule. Read eligibility before the rate: NOWPayments does not serve the European Union, the United Kingdom, the United States, the United Arab Emirates or Russia. On a 50 USDT invoice in Tron, followed to the merchant’s wallet, the 1% is half a dollar and the Tron transfer off the invoice address costs five times that — about 6% all in.
Stripe Crypto Payments
Stripe Stablecoin Payments lets an eligible business accept supported stablecoins from customers worldwide and receive the money in its Stripe balance in its own local currency. On-chain the accepted list is short: USDC on Tempo, Ethereum, Solana, Polygon and Base, plus USDP and USDG for US businesses only. USDT is not on it, and neither is Tron; a customer can also pay from a Crypto.com exchange account in that exchange’s tokens. Availability is general in the US and a private preview for the European Union, Hong Kong, Mexico and Switzerland. Stripe’s US pricing page lists the method at 1.5% of the USD amount, with conversion to fiat, AML screening and gas included; the EU version of that page has no stablecoin row.