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Cryptomus alternative: Crypto Merchant vs Cryptomus (2026)

Cryptomus charges new users 2% per transaction (down to 0.4% on request), requires identity and address verification for full access, doesn't serve US citizens or residents, and may hold your assets in pooled accounts with other users'. Crypto Merchant charges 1% per paid invoice, doesn't ask for identity documents when you create an account, and keeps each business's payments in a pool wallet of its own. Cryptomus is the better pick if you need 100+ coins, one of its 23 plugins or free auto-conversion.

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 does Crypto Merchant compare with Cryptomus?

Both are custodial. Cryptomus has more coins, plugins and free conversion; Crypto Merchant has a lower starting fee, no documents to sign up and no US exclusion.

FeatureCrypto MerchantCryptomus
Payment fee1% of each paid invoice, in the coin paid, deducted when it's credited. Expired or cancelled invoices cost nothing.2% per transaction for new users; “up to 0.4%” on request, depending on business type, monthly turnover and integration.[1]
Monthly and setup feesNone, and no setup fee. Going live takes a one-time $25 payment, credited in full to your gas balance for network fees. It isn't refunded as cash.Not confirmed.
ConversionOptional: swap everything into one holding coin. The rate is the live market price and includes a service margin.Auto-convert is “completely free of charge”.[1]
Payouts and withdrawalsAny time, no minimum, no Crypto Merchant payout fee: network fee only. Each coin to its own address, or swapped into one holding coin first.Fixed per-network withdrawal fees, such as 3.00 USDT on Tron and 1.00 USDT on its other USDT networks. Automatic, API and mass withdrawals.[1]
KYC or KYB to sign upEmail, name and business name. We don't ask for identity documents when you create an account.KYC (identity and residential address) to gain full access to the services.[2]
CustodyCustodial. We hold the keys; every wallet comes from one recovery phrase kept offline on paper. Payments collect in a pool wallet dedicated to your business.Custodial. Assets “may be stored in pooled accounts” with other users' assets.[2]
Coins and networks11 coins on 11 networks. USDT on Ethereum, BNB Smart Chain, Polygon, Arbitrum One, Tron and Solana. USDC on Ethereum, BNB Smart Chain, Polygon, Base, Arbitrum One and Solana. Plus BTC, ETH, LTC, SOL, XRP, BNB, TRX, POL and GRAM (TON).100+ cryptocurrencies (91 in the withdrawal table). USDT on Tron, Ethereum, BNB Smart Chain, Polygon, Arbitrum, Solana, TON and Avalanche. XRP not listed.[1][4]
Country limitsAnyone, in any country, can sign up. The Terms prohibit illegal goods, fraud and sanctions evasion.Doesn't serve US citizens or residents, or sanctioned jurisdictions.[2]
E-commerce pluginsNone: no WooCommerce, Shopify or WHMCS plugin. Use payment links, the hosted checkout or the API.23, including WooCommerce, WHMCS, PrestaShop, OpenCart, Magento and BigCommerce. Shopify not listed.[3]
Fiat (bank) settlementNo. Crypto only: payouts go to crypto addresses.Not confirmed.
API and webhooksREST API with Bearer keys for invoices, payment links, balances and coins. Webhooks signed with HMAC-SHA256, retried for about two days.API, including withdrawals by API. Webhooks not confirmed.[1][4]
Payment linksYes: fixed-price or pay-what-you-want links, a hosted checkout page and invoices.Not confirmed.
Every Crypto Merchant cost is on the pricing page, and every API field in the API reference.

Sources

Every Cryptomus fact in the table comes from these pages, checked 29 October 2026. “Not confirmed” means none of them stated it.

  1. [1]Payment fees: https://cryptomus.com/fees/payment
  2. [2]Terms of service, last updated 17 August 2026: https://cryptomus.com/tos
  3. [3]Plugins: https://cryptomus.com/plugins
  4. [4]Homepage: https://cryptomus.com/

When is Cryptomus the better choice?

Cryptomus is the better choice if you need its range of coins, a plugin, free conversion or a negotiated rate below ours.

  • You need a coin or network Crypto Merchant doesn't have, such as XMR, or USDT on TON or Avalanche. Cryptomus lists 100+ coins.
  • You use WooCommerce, WHMCS, PrestaShop, OpenCart, Magento or another of its 23 plugins.
  • You convert every payment: Cryptomus says auto-convert is free. Crypto Merchant's swap rates include a service margin.
  • Your volume earns a negotiated rate: Cryptomus offers down to 0.4% on request, below our 1%.
  • You want a provider with a track record and reviews. Crypto Merchant launched on 28 October 2026 and has neither yet.

When does Crypto Merchant fit better?

Crypto Merchant fits better if you're a new merchant, you're in the US, or you'd rather not verify your identity to get full access.

  • You're starting out: 1% per paid invoice from day one, instead of Cryptomus's 2% for new users.
  • You'd rather not send ID and proof of address: we don't ask for identity documents when you create an account.
  • You're in the US, which Cryptomus doesn't serve. Anyone, in any country, can sign up for Crypto Merchant; our Terms still prohibit sanctions evasion and illegal goods.
  • You want your funds kept apart from other merchants'. Payments collect in a pool wallet dedicated to your business, though we still hold the keys.

How do I switch from Cryptomus to Crypto Merchant?

Sign up, go live with one payment, then point your checkout and webhooks at Crypto Merchant. There's no plugin to install: you use payment links, the hosted checkout or the API.

  1. 1

    Create an account

    Sign up with your email, your name and your business name. We don't ask for identity documents when you create an account.

  2. 2

    Go live

    Turn on the coins and networks you want, then make the one-time $25 go-live payment in any coin. It's credited in full to your gas balance, which pays network fees, and isn't refunded as cash if you close the account.

  3. 3

    Start taking payments

    Share your checkout page, create payment links or invoices in the portal, or create invoices from your site with the API.

  4. 4

    Point your webhooks

    Add your server's HTTPS address under Developers, check the CM-Signature header on every event, and fulfil orders on invoice.paid. Webhooks has the details.

  5. 5

    Wind down Cryptomus

    Keep your Cryptomus account until its open invoices are finished and you've withdrawn your balance, then remove its plugin or API calls.

Frequently asked questions

How much does Cryptomus charge?
Cryptomus charges new users 2% per transaction and says the rate can drop to 0.4% on request, depending on business type, monthly turnover and integration. Withdrawals have fixed per-network fees, such as 3 USDT on Tron. Crypto Merchant charges 1% of each paid invoice.
Does Cryptomus require KYC?
Its terms, last updated 17 August 2026, require KYC, meaning identity and residential address, for full access to its services. Crypto Merchant doesn't ask for identity documents when you create an account.
Is Cryptomus available in the US?
No. Its terms say Cryptomus does not serve US citizens or residents. Crypto Merchant takes sign-ups from any country, and its Terms still prohibit sanctions evasion and illegal goods.
Is Crypto Merchant custodial like Cryptomus?
Yes, both hold the keys. The difference is how funds are kept: Cryptomus's terms say assets may be stored in pooled accounts with other users', while Crypto Merchant collects each business's payments in a pool wallet dedicated to that business.

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