Comparison guide by Paymos
CoinPayments review, fees, and alternatives
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%.
Reviewed
Published terms at a glance
| Published acceptance fee | 1% per payment on tokens, USDT included, and from 0.5% on coins, on the platform new merchants join; the Legacy platform lists 3%. The buyer pays the network fee on top of the invoice, so on a 50 USDT invoice in Tron the deal costs 6%. CoinPayments notes that a fee adjustment may apply to clients in high-risk industries. |
|---|---|
| Settlement model | Payments can remain in the CoinPayments wallet, forward to another wallet, convert to another asset, or use supported fiat settlement options. |
| Qualification 1 | An invoice completes only once the buyer has covered the network fee on top of the amount. The default To Balance mode adds no network fee on the merchant’s side; ASAP forwarding adds one per payment, Nightly one per batch. CoinPayments: Current platform: 1% on tokens including USDT, coins from 0.5%, To Balance without a network fee and ASAP or Nightly with one, conversion and withdrawal layers; the 3% tariff on /help-fees is the Legacy tab of the same switchCoinPayments: An invoice completes only once the buyer has covered the amount and the network fee; a shortfall can be topped up |
| Qualification 2 | Conversion lists a partner fee plus network cost. CoinPayments charges no withdrawal fee of its own, but sending crypto out still costs the miners their network fee. The official page does not publish one conversion rate for every route. CoinPayments: Current platform: 1% on tokens including USDT, coins from 0.5%, To Balance without a network fee and ASAP or Nightly with one, conversion and withdrawal layers; the 3% tariff on /help-fees is the Legacy tab of the same switchCoinPayments: Payments stay on the CoinPayments balance by default; forwarding to an external address can be combined with conversion |
When this provider can fit
- Merchants outside the European Union that value a broad coin and token catalogue.
- Businesses that want a combined gateway and custodial wallet.
- Operators able to batch settlement nightly to reduce the number of network-fee events.
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 benchmark on this page is one 50 USDT invoice in Tron, counted from the buyer’s transfer to the money in the merchant’s wallet. CoinPayments takes 0.50 USDT, its 1% on tokens. The Tron network fee, about 2.50 USDT at this size, lands on the buyer, who sends 52.50 USDT; the two together come to 6% of the deal.
- 02Coins and tokens are priced apart: coins start at 0.5%, while a stablecoin invoice counts as a token and pays 1%.
- 03In To Balance, the default mode, the payment reaches the CoinPayments balance without the merchant paying a network fee.
- 04The modes that forward payments to an outside address add a network fee to the rate: one per payment in ASAP, one per batch in Nightly.
- 05Conversions list a partner fee plus network cost. CoinPayments charges no withdrawal fee of its own, but sending the crypto out still costs the miners their network fee.
Paymos
How Paymos differs
Unlike CoinPayments’ coin/token and ASAP/Nightly routing choices, Paymos uses a stablecoin-first path and covers acceptance and consolidation network cost. 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 CoinPayments when a merchant needs its broad coin and token catalogue or custodial wallet routing.
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.
- Classify every accepted asset as a CoinPayments coin or token and compare ASAP with nightly settlement on your invoice volume.
Frequently asked questions
What fee does CoinPayments publish?+
1% per payment on tokens, USDT included, and from 0.5% on coins, on the platform new merchants join; the Legacy platform lists 3%. The buyer pays the network fee on top of the invoice, so on a 50 USDT invoice in Tron the deal costs 6%. CoinPayments notes that a fee adjustment may apply to clients in high-risk industries.
Which CoinPayments 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 CoinPayments?+
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. Classify every accepted asset as a CoinPayments coin or token and compare ASAP with nightly settlement on your invoice volume.
Is Paymos an alternative to CoinPayments?+
Unlike CoinPayments’ coin/token and ASAP/Nightly routing choices, Paymos uses a stablecoin-first path and covers acceptance and consolidation network cost. 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.
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.