Comparison guide by Paymos
Cryptomus review, fees, and alternatives
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.
Reviewed
Published terms at a glance
| Published acceptance fee | 2% per payment for new users. On a 50 USDT invoice in Tron that 2% is also the delivered cost: no transfer charge sits between the invoice address and the balance. The advertised 0.4% is an individually negotiated floor with no published ceiling, so it is where a conversation starts, not a price you can budget against. |
|---|---|
| Settlement model | Funds are held in a Cryptomus business wallet. The platform offers auto-conversion, converted withdrawal, automatic withdrawal, and mass payouts. |
| Qualification 1 | A merchant project submits an integration request and waits for moderation before using the payment API. |
| Qualification 2 | Cryptomus describes auto-conversion as free; the selected rate source still determines the delivered asset amount. |
| Qualification 3 | Withdrawal has a mining fee, and API priority can change it on supported networks. |
When this provider can fit
- Businesses wanting gateway, custodial wallet, exchange, and payout tools in one account.
- Merchants that require a broad crypto catalogue and automatic conversion.
- Higher-volume businesses able to negotiate the advertised lower rate.
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.
- 01One invoice tells the story: 50 USDT in Tron, tracked from the buyer’s transfer through to the merchant’s wallet. Cryptomus is one of the few gateways where that lands on the headline: 2%, with nothing charged for crediting the balance. The cost sits on the payout instead, which is the next line.
- 02The fee for withdrawing USDT in Tron is not on Cryptomus’ fees page: its payout API returns the fee for each network and currency, so take the current figure from your own account before you budget the payout.
- 03Cryptomus says auto-conversion is free, but the selected rate source still determines the delivered asset amount.
- 04Withdrawal is subject to a mining fee, and API priority can change its cost on supported networks.
- 05Confirm whether the merchant or payer covers fees for each currency and checkout configuration.
Paymos
How Paymos differs
Unlike Cryptomus’ new-user rate, negotiated pricing and moderation step, Paymos publishes 1.0% Standard and does not require manual Production activation. 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 Cryptomus when a business needs its custodial wallet, exchange, or payout tooling.
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.
- Capture the quoted conversion rate and withdrawal fee at the same timestamp as your comparison.
Frequently asked questions
What fee does Cryptomus publish?+
2% per payment for new users. On a 50 USDT invoice in Tron that 2% is also the delivered cost: no transfer charge sits between the invoice address and the balance. The advertised 0.4% is an individually negotiated floor with no published ceiling, so it is where a conversation starts, not a price you can budget against.
Which Cryptomus 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 Cryptomus?+
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. Capture the quoted conversion rate and withdrawal fee at the same timestamp as your comparison.
Is Paymos an alternative to Cryptomus?+
Unlike Cryptomus’ new-user rate, negotiated pricing and moderation step, Paymos publishes 1.0% Standard and does not require manual Production activation. 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.
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%.
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.