Comparison guide by Paymos
Best 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.
Reviewed
Published terms at a glance
When this provider can fit
- Paymos: merchants that want stablecoin acceptance and same-asset balances without forced conversion.
- BitPay, CoinGate, PayPal, or Stripe: businesses that specifically need fiat settlement and meet onboarding geography.
- CoinPayments, Cryptomus, or NOWPayments: businesses prioritizing a broad coin catalogue or exchange features.
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.
- 01Before comparing a single rate, check that the provider takes your asset on your network and works in your country: CoinGate discontinued USDT in March 2025, BitPay has no Tron, CoinPayments left the European Union on 1 July 2026, and NOWPayments does not serve the EU, the UK, the US, the UAE or Russia.
- 02A lower processing percentage can be offset by a fixed fee on small invoices.
- 03Payer network cost, provider sweep or transfer cost, and merchant withdrawal cost can be three different entries.
- 04Automatic or manual conversion can change the amount received even when it is described separately from processing.
- 05Refunds, exceptions, payout frequency, minimums, and reserves affect working capital as well as fees.
Paymos
How Paymos differs
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 services that support the assets or specialist products your business requires.
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.
Frequently asked questions
What is the best crypto payment gateway?+
The best gateway is the one that produces the required settlement asset at the lowest verified total cost while meeting custody, geography, integration, and support requirements.
Which gateway has the lowest fee?+
Published starting rates are not directly comparable. Some exclude network, conversion, settlement, withdrawal, or fixed per-transaction charges.
Should I compare custody models?+
Yes. Signing authority, withdrawal controls, reserves, and recovery procedures affect operational risk independently of price.
Does more supported cryptocurrency mean a better gateway?+
Not necessarily. Network–asset pairs that customers actually use matter more than a long coin count.
How should I test a gateway?+
Test the same invoice value, asset, network, settlement choice, and withdrawal destination, then reconcile every debit and credit.
How is Paymos priced?+
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.
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
BitPay
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.
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.