Independent comparison
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.
Facts checked 2 August 2026
Published acceptance fee
Public starting or standard rates reviewed: Paymos 1%; BitPay 1–2% + $0.25 by volume; CoinGate 1%; CoinPayments 0.5% for coins and 1% for tokens; Cryptomus 2% for new users with negotiated rates down to 0.4%; NOWPayments from 0.5%; PayPal Pay with Crypto 1.5%; Stripe stablecoins 1.5%.
Settlement model
Models differ: same-asset crypto balances, crypto conversion, and automatic fiat settlement are not interchangeable outcomes.
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.
Paymos
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.
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.
Published starting rates are not directly comparable. Some exclude network, conversion, settlement, withdrawal, or fixed per-transaction charges.
Yes. Signing authority, withdrawal controls, reserves, and recovery procedures affect operational risk independently of price.
Not necessarily. Network–asset pairs that customers actually use matter more than a long coin count.
Test the same invoice value, asset, network, settlement choice, and withdrawal destination, then reconcile every debit and credit.
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.
Provider facts are based on public first-party pages available on the review date. Contracts, dashboard quotes, geography, and fees can change.
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.
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 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 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 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 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.