Alternatives
Crypto payment gateway alternatives compared (2026)
Hosted crypto payment gateways publish headline fees from 0.23% to 2% per payment; the bigger differences are who they let in, who holds the funds and which countries they serve. Coinbase Commerce closed after 31 March 2026, NOWPayments' current terms exclude the EU, UK, US, UAE and Russia, and CoinGate no longer supports USDT. Crypto Merchant charges 1% per paid invoice and asks for no documents to sign up, but it's custodial, with no plugins and no bank settlement.
Last checked: 29 October 2026
Crypto Merchant wrote this comparison, and we're not affiliated with any gateway named here. Every competitor fact comes from the vendor's own pages, linked under the table. Prices and terms change, so check them before you decide.
How do crypto payment gateways compare?
The table shows each gateway's published fee, what it asks merchants for, who holds the funds, whether it takes USDT on Tron and where it doesn't serve. Gateways with a full comparison link to it.
| Gateway | Fee (published) | Merchant KYC or KYB | Custody | USDT on Tron | Notable country limits |
|---|---|---|---|---|---|
| Crypto Merchant | 1% per paid invoice; no monthly fee | No documents to sign up | Custodial, with a pool wallet per business | YesYes, plus five other USDT networks | None at sign-up; the Terms ban sanctions evasion |
| Coinbase Business (replaced Commerce) | 1% for merchants moved from Commerce; new-merchant rate not public | Registered business and business bank account | Custodial only | NoNo: USDT on Ethereum only | US and Singapore only |
| NOWPayments | 1%, or 1.5% with conversion, plus network fee | Email and wallet; KYC “may” be required | Straight to your wallet, or opt-in custody | YesYes | Excludes the EU, UK, US, UAE and Russia |
| CoinGate | 1% (Standard plan) | Mandatory KYB | Custodial (our inference), weekly settlement | NoNo: dropped USDT under MiCA | Supported-country list only |
| BitPay | 1–2% + 25¢ (search snippet only; re-check) | Mandatory KYB | Processor; settles every business day | Not confirmed | OFAC countries; website blocked in Pakistan |
| Cryptomus | 2% for new users; down to 0.4% on request | KYC for full access | Custodial, possibly pooled with other users' | YesYes | Doesn't serve the US |
| Plisio | 0.5% API; 1.5% white label | “No proof of identity needed” | Custodial (our inference) | YesYes | US-sanctioned countries |
| CoinPayments | From 0.5% (coins) or 1% (tokens), plus network fee | Mandatory basic verification; KYB for companies | Custodial | YesYes | 15 sanctioned or high-risk countries |
| OxaPay | 1.5% links and invoices; 2% white label; down to 0.4% | “No documents” to sign up | Custodial, optional auto-withdrawal | YesYes | US, Bangladesh, Hong Kong, Bolivia and sanctioned countries |
| Binance Pay | Standard rate not public; Mini Programs 1%, plus a $1,000 monthly minimum below $90,000 a quarter | Mandatory KYB and a signed agreement | Custodial, off-chain in a Binance account | Off-chain: payers use Binance Pay | Not available in “selected” territories; EEA stablecoin limits |
| BTCPay Server | 0% (you pay for hosting) | None | Non-custodial (self-hosted) | PartlyThrough a plugin | None stated |
| Heleket | From 0.4% | Email to start; risk-based KYC | Custodial | YesYes | 59 jurisdictions, including the US, Japan, Pakistan, Nigeria, Ukraine and Russia |
| Coinremitter | 0.23%; 5 USDT network fee on Tron (2 with Gas Station); Premium plan $99.99 | Markets “No KYC”; terms ask for beneficial owners | Custodial agent | YesYes, minimum 8 USDT | Lists Singapore as a restricted jurisdiction |
Sources for the gateways without their own page
Checked 29 October 2026. Sources for Coinbase Business, NOWPayments, CoinGate, BitPay, Cryptomus and Plisio are listed on their comparison pages.
- CoinPayments: https://www.coinpayments.net/v2-fees · https://www.coinpayments.net/supported-coins · https://blog.coinpayments.net/tutorials/kyb-guide-verification-business · https://www.coinpayments.net/compliance · https://www.coinpayments.net/
- OxaPay: https://oxapay.com/pricing · https://oxapay.com/ · https://oxapay.com/terms-privacy-policy
- Binance Pay: https://www.binance.com/en/support/faq/binance-pay-fees-6ff1944867e54b9a9576bce3109c7f7a · https://merchant.binance.com/en · https://merchant.binance.com/en/how-to-accept/USDT
- BTCPay Server: https://docs.btcpayserver.org/BTCPayVsOthers/ · https://docs.btcpayserver.org/FAQ/Altcoin/ · https://btcpayserver.org/
- Heleket: https://heleket.com/ · https://heleket.com/crypto-processing · https://heleket.com/currencies/tether · https://heleket.com/aml-policy
- Coinremitter: https://coinremitter.com/terms-services · https://coinremitter.com/usdt-trc20-payment-gateway · https://coinremitter.com/
How do I choose a crypto payment gateway?
Start with what rules a gateway out: your country, the checks it runs and whether it holds your funds. Then compare plugins, fiat settlement and what a typical month really costs.
- Country. Check it first. Coinbase Business serves only the US and Singapore, NOWPayments' terms exclude the EU, UK, US, UAE and Russia, Heleket excludes 59 jurisdictions including the US and Pakistan, and Cryptomus and OxaPay don't serve the US.
- Checks. CoinGate, BitPay, Binance Pay, CoinPayments and Coinbase Business verify the business before live payments, and Cryptomus needs KYC for full access. Plisio, OxaPay, Heleket, NOWPayments and Crypto Merchant let you start without documents, though several of them say they may ask later. Read the terms, not just the homepage.
- Custody. A custodial gateway holds the keys and keeps a balance for you; a non-custodial one pays into a wallet only you control. BTCPay Server is non-custodial, NOWPayments can pay straight to your wallet, and the rest here, Crypto Merchant included, are custodial. Custodial vs non-custodial payments explains the trade-off.
- Plugins. On WooCommerce, Shopify, Magento or WHMCS, a plugin saves development work. Most gateways here have some. Crypto Merchant has none, so you'd use payment links, the hosted checkout or the API.
- Fiat settlement. BitPay, CoinGate, CoinPayments and Coinbase Business can pay out to a bank account, and NOWPayments offers fiat withdrawal through partners. Crypto Merchant pays out in crypto only.
- Fees after minimums. Compare a typical month, not the headline rate: fixed fees per payment (BitPay's 25¢), monthly minimums (Binance Pay's Mini Program tier), paid plans (Coinremitter Premium), and conversion, withdrawal and network fees. Our pricing page lists every Crypto Merchant cost.
Which gateways have a full comparison?
Each page puts one gateway side by side with Crypto Merchant on 12 points, with sources, and says when that gateway is the better choice.
- Crypto Merchant vs Coinbase CommerceCommerce closed after 31 March 2026, and its successor serves only the US and Singapore. Includes a migration guide for developers.
- Crypto Merchant vs NOWPaymentsThe fee is now 1%, or 1.5% with conversion, and its terms exclude the EU, UK, US, UAE and Russia.
- Crypto Merchant vs CoinGateDropped USDT under MiCA and requires KYB, but settles to banks and has plugins.
- Crypto Merchant vs BitPayMandatory KYB and bank settlement in eight currencies. Its fee is from a search snippet.
- Crypto Merchant vs Cryptomus2% for new users, KYC for full access, no US customers, and assets that may be pooled.
- Crypto Merchant vs Plisio0.5% through its API, below our fee, and no ID needed. It differs on networks, plugins, links and webhooks.
Frequently asked questions
What is the best alternative to Coinbase Commerce?
It depends on where you are and who should hold the keys. Businesses in the US and Singapore can move to Coinbase Business, Commerce's successor. Elsewhere you need another gateway: Commerce was self-custodial, so a non-custodial tool such as BTCPay Server is the closest match, while hosted, custodial services such as Crypto Merchant don't need a server of your own.
Which crypto payment gateways don't need ID to sign up?
Of those compared here, Plisio says “No proof of identity needed”, OxaPay says “No documents”, Heleket asks only for an email to start, NOWPayments asks for an email and a wallet, and self-hosted BTCPay Server has no account at all. Crypto Merchant doesn't ask for identity documents when you create an account. Several of these say they may run checks later, so read their terms.
Which crypto payment gateways accept USDT on Tron?
NOWPayments, CoinPayments, Cryptomus, Plisio, OxaPay, Heleket and Coinremitter list it, BTCPay Server supports it through a plugin, and Crypto Merchant accepts it alongside USDT on five other networks. CoinGate no longer supports USDT, Coinbase Business accepts USDT only on Ethereum, and BitPay's support for USDT on Tron isn't confirmed.
Which crypto payment gateway is non-custodial?
BTCPay Server, because you run it yourself and payments go to your own wallet. NOWPayments can also send payments straight to your wallet. The other gateways here, Crypto Merchant included, are custodial: they hold the keys and keep a balance for you until you withdraw.
Who wrote this comparison?
Crypto Merchant did, so read it with that in mind. Every competitor fact comes from the vendor's own pages, which are linked, and was checked on 29 October 2026. Prices and terms change, so check the vendor's page before you decide.
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