Alternatives

OxaPay alternative: Crypto Merchant vs OxaPay (2026)

OxaPay charges 1.5% per payment through payment links, donations and merchant invoices, 2% for its white-label checkout and static addresses, and says fees can fall to 0.4% depending on your business; signing up needs “no documents”. Crypto Merchant charges 1% per paid invoice and asks for no identity documents either. The clearest difference is where you can be: OxaPay's terms exclude businesses registered in the US, Bangladesh, Hong Kong and Bolivia, while Crypto Merchant takes sign-ups from any country. OxaPay has more coins, including XMR and DOGE, and WooCommerce and WHMCS plugins.

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 OxaPay?

Both are custodial and start without documents. OxaPay has more coins, two plugins and a white-label checkout, but a higher standard rate and a US exclusion. Crypto Merchant charges 1% on everything and has no plugins.

Feature	Crypto Merchant	OxaPay
Payment fee	1% of each paid invoice, in the coin paid, deducted when it's credited. Expired or cancelled invoices cost nothing.	1.5% for payment links, donations and merchant invoices; 2% for white label; 2% plus a fixed amount for static addresses (0.46 USDT on Tron). “Receive” costs 1% once you pass $20,000 received. “Can be reduced to 0.4%” depending on the business.^[1],[2]
Monthly and setup fees	None, and no setup fee. There is no payment to go live: an account is live as soon as setup is done.	Not confirmed.
Conversion	Optional: swap everything into one holding coin. The rate is the live market price and includes a 1% service margin.	Auto-convert to USDT is offered; its fee isn't stated.^[2],[4]
Payouts and withdrawals	Any time, no minimum, with a gas fee per payout. Each coin to its own address, or swapped into one holding coin first.	Internal transfers free. On-chain withdrawals cost a fixed amount per network, such as 1 USDT on Tron and 17 USDT on Ethereum. Auto-withdrawal to your wallet, and a payout service for mass transfers.^[1],[2]
KYC or KYB to sign up	Email, name and business name. We don't ask for identity documents when you create an account.	Homepage: “No documents, no delays”. Its terms say users “may be asked” to provide private information; no trigger is stated.^[2],[3]
Custody	Custodial. 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 balance with optional auto-withdrawal. Its terms ask you to withdraw all assets before closing an account, and say assets “may be temporarily blocked” during a suspension.^[3],[2]
Coins and networks	11 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).	18 assets on 31 asset-network pairs. USDT on Ethereum, Tron, BNB Smart Chain, Solana, Polygon and TON; USDC on Ethereum, BNB Smart Chain, Solana, Polygon and Base. Also BTC, ETH, TRX, SOL, TON, XRP, BNB, XMR, DOGE, LTC, NOT and DOGS.^[1]
Country limits	Anyone, in any country, can sign up. The Terms prohibit illegal goods, fraud and sanctions evasion.	The business must not be registered in Cuba, Iran, North Korea, Crimea, Sudan, Syria, the United States or its territories, Bangladesh, Hong Kong, Bolivia, or a UN-sanctioned country.^[3]
E-commerce plugins	None: no WooCommerce, Shopify or WHMCS plugin. Use payment links, the hosted checkout or the API.	WooCommerce and WHMCS.^[1],[2]
Fiat (bank) settlement	No. Crypto only: payouts go to crypto addresses.	Not confirmed.
API and webhooks	REST API with Bearer keys for invoices, payment links, balances and coins. Webhooks signed with HMAC-SHA256, retried for about two days.	API, plus white-label checkout and static addresses. Webhook details not confirmed on the pages we checked.^[2],[1]
Payment links	Yes: fixed-price or pay-what-you-want links, a hosted checkout page and invoices.	Yes: no-code payment links, invoices and donations, and a POS named in its navigation.^[2]

Every Crypto Merchant cost is on the pricing page, and every API field in the API reference.

Sources

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

[1]Pricing: https://oxapay.com/pricing
[2]Homepage: https://oxapay.com/
[3]Terms and privacy policy: https://oxapay.com/terms-privacy-policy
[4]Blog: setting up a merchant account: https://oxapay.com/blog/how-to-set-up-your-oxapay-merchant-account-in-5-minutes/

When is OxaPay the better choice?

OxaPay is the better choice if you need a coin or plugin Crypto Merchant doesn't have, or your volume earns its lower rates.

You need XMR, DOGE, NOT or DOGS, or USDT on TON. OxaPay lists them; Crypto Merchant doesn't.
You use WooCommerce or WHMCS and want a plugin, or a white-label checkout on your own domain. Crypto Merchant has neither.
Your business qualifies for OxaPay's reduced rates, down to 0.4%, below our 1%.
You want to pay many people at once through a payout service.
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 in the US or another country OxaPay excludes, or you want one rate and no fixed withdrawal fees.

Your business is registered in the US, Bangladesh, Hong Kong or Bolivia. OxaPay's terms exclude them; anyone, in any country, can sign up with Crypto Merchant.
You want one published rate: 1% on every paid invoice, whether it came through a payment link, an invoice or the API, with no higher white-label tier.
You pay out often: payouts any time, with no minimum. Each payout carries a gas fee.
You want USDT or USDC on Arbitrum One, which OxaPay's pricing table doesn't list.

How do I switch from OxaPay 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
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
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
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
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
Wind down OxaPay
Keep your OxaPay account until its open invoices are done and you've withdrawn your balance, then remove its plugin, links or API calls.

Frequently asked questions

How much does OxaPay charge?

1.5% for payment links, donations and merchant invoices, 2% for white label and static addresses (plus a small fixed amount for static addresses), and 1% for “Receive” once you pass $20,000, according to its pricing page. It says all fees can be reduced to 0.4% depending on your business. On-chain withdrawals cost a fixed amount per network.

Does OxaPay require KYC?

Its homepage says “No documents, no delays” at sign-up. Its terms say users may be asked to provide private information, without saying when. Crypto Merchant doesn't ask for identity documents when you create an account.

Is OxaPay custodial?

Yes. Payments land in an OxaPay balance, which you can withdraw manually or automatically to your own wallet. Crypto Merchant is custodial too.

Does OxaPay serve the US?

No. Its terms say the business must not be registered in the United States or its territories, nor in Bangladesh, Hong Kong, Bolivia or sanctioned countries. Crypto Merchant takes sign-ups from any country.

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