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Heleket alternative: Crypto Merchant vs Heleket (2026)

Heleket charges “from 0.4%” per payment, with the exact rate depending on plan and volume, and needs only a verified email to register and start accepting payments. Its AML policy lists 59 jurisdictions it doesn't serve, including the United States, Japan, Russia, Ukraine, Pakistan, Nigeria, Kenya and Vietnam, and says it may run checks on unusual or large transactions. Crypto Merchant charges 1% per paid invoice, asks for no documents to sign up, and takes sign-ups from any country. Heleket is the closer match on price; Crypto Merchant on who it serves.

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 Heleket?

Both are custodial, start with an email, and take USDT on several networks. Heleket's headline rate is lower and it has plugins; Crypto Merchant serves the countries Heleket excludes and publishes every cost.

FeatureCrypto MerchantHeleket
Payment fee1% of each paid invoice, in the coin paid, deducted when it's credited. Expired or cancelled invoices cost nothing.“Fees from 0.4%”; the exact fee “depends on the selected plan and transaction volume”. “No hidden charges or connection fees”.[1][2]
Monthly and setup feesNone, and no setup fee. There is no payment to go live: an account is live as soon as setup is done.“No connection fees”. Monthly fee not confirmed.[1]
ConversionOptional: swap everything into one holding coin. The rate is the live market price and includes a 1% service margin.Auto-conversion to USDT or USDC is offered; its fee isn't stated.[1][2]
Payouts and withdrawalsAny time, no minimum, with a gas fee per payout. Each coin to its own address, or swapped into one holding coin first.Withdraw to any external wallet; mass payouts through the REST API. Withdrawal fees not confirmed.[1][2]
KYC or KYB to sign upEmail, name and business name. We don't ask for identity documents when you create an account.Email verification only to register and start accepting payments, with no “corporate documents or lengthy moderation”. Its AML policy allows verification on unusual, large or suspicious transactions, or periodically by risk level, and its terms let it request ID, address and source of funds at any time.[2][5][6]
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: “receive payments directly to your balance”, and store and convert funds in that balance.[1][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).17 coins on 8 networks: USDT, BTC, XMR, LTC, ETH, USDC, DASH, TRX, DOGE, SOL, BNB, POL, BCH, GRAM, DAI, AVAX and SHIB. USDT on Tron, Ethereum, BNB Smart Chain, Polygon, Solana and TON. XRP isn't listed.[3][4]
Country limitsAnyone, in any country, can sign up. The Terms prohibit illegal goods, fraud and sanctions evasion.59 non-serviced jurisdictions, including the United States, Japan, Russia, Ukraine, Pakistan, Nigeria, Kenya, Vietnam, Bulgaria, Monaco, Serbia and Sri Lanka.[5]
E-commerce pluginsNone: no WooCommerce, Shopify or WHMCS plugin. Use payment links, the hosted checkout or the API.OpenCart, WHMCS, WooCommerce, XenForo and PrestaShop.[1][2]
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.REST API with invoices and mass payouts. Webhook details not confirmed on the pages we checked.[1][2]
Payment linksYes: fixed-price or pay-what-you-want links, a hosted checkout page and invoices.Invoices through the API, a QR payment form and Telegram bot payments. No-code payment links not confirmed.[1][2]
Every Crypto Merchant cost is on the pricing page, and every API field in the API reference.

Sources

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

  1. [1]Homepage: https://heleket.com/
  2. [2]Crypto processing: https://heleket.com/crypto-processing
  3. [3]Currencies: https://heleket.com/currencies
  4. [4]Currencies: Tether: https://heleket.com/currencies/tether
  5. [5]AML policy (updated 23 June 2026): https://heleket.com/aml-policy
  6. [6]Terms of service: https://heleket.com/tos

When is Heleket the better choice?

Heleket is the better choice if you're in a country it serves and want the lowest rate, a plugin, or coins we don't have.

  • Price matters most and your volume earns its lower tiers: “from 0.4%”, below our 1%.
  • You use OpenCart, WHMCS, WooCommerce, XenForo or PrestaShop and want a plugin. Crypto Merchant has none.
  • You need XMR, DASH, DOGE, BCH, DAI, AVAX or SHIB, or USDT on TON. Heleket lists them.
  • You sell through Telegram and want bot payments.
  • 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 Heleket's exclusion list covers you, or you want XRP and published prices for everything.

  • Your business is in the US, Japan, Russia, Ukraine, Pakistan, Nigeria, Kenya, Vietnam or another of Heleket's 59 excluded jurisdictions. Anyone, in any country, can sign up with Crypto Merchant.
  • You want XRP, which Heleket doesn't list, or USDT on Arbitrum One, which isn't among its six USDT networks.
  • You want every cost in writing: 1% per paid invoice, no monthly fee, and a gas fee for moving coins, all on the pricing page. Heleket's exact rate depends on your plan.
  • You want signed webhooks (HMAC-SHA256, retried for about two days) and payouts any time with no minimum.

How do I switch from Heleket to Crypto Merchant?

Sign up, finish setup, 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

    Choose your coins

    Turn on the coins and networks you want. There is no payment to go live: your account is live as soon as setup is done.

  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 Heleket

    Keep your Heleket account until open invoices finish and you've withdrawn your balance, then remove its module or API calls.

Frequently asked questions

How much does Heleket charge?
“From 0.4%” per payment, with the exact fee depending on your plan and volume, and no connection fees, according to its homepage and crypto-processing page. Its conversion, withdrawal and monthly fees weren't stated on the pages we checked.
Does Heleket require KYC?
Not to start: its FAQ says only email verification is needed to register and accept payments. Its AML policy allows verification on unusual, large or suspicious transactions or periodically by risk level, and its terms let it request ID, proof of address and source of funds at any time. Crypto Merchant doesn't ask for identity documents when you create an account.
Which countries does Heleket exclude?
Its AML policy lists 59 jurisdictions it doesn't serve, including the United States, Japan, Russia, Ukraine, Pakistan, Nigeria, Kenya, Vietnam, Bulgaria, Monaco, Serbia and Sri Lanka, as well as Iran, North Korea and Syria. Crypto Merchant takes sign-ups from any country.
Is Heleket custodial?
Yes. Payments go to your Heleket balance, where you can store and convert them before withdrawing to an external wallet. Crypto Merchant is custodial too.

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