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Plisio alternative: Crypto Merchant vs Plisio (2026)

Plisio charges 0.5% per payment through its API (1.5% for white label), says “No proof of identity needed” and, as far as its pages show, holds funds for you, so on price it beats Crypto Merchant's 1%. Pick Plisio for the lower rate, a WooCommerce or WHMCS plugin, or coins such as XMR and DOGE. Pick Crypto Merchant for USDT or USDC on Polygon and Arbitrum One, XRP, no-code payment links, or documented webhooks and payouts.

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 Plisio?

Plisio costs less per payment and has plugins. Crypto Merchant covers more USDT and USDC networks, accepts XRP, and publishes its payout, gas and webhook rules.

FeatureCrypto MerchantPlisio
Payment fee1% of each paid invoice, in the coin paid, deducted when it's credited. Expired or cancelled invoices cost nothing.0.5% through the Gateway API; 1.5% for White Label.[1][2]
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.“No monthly, setup or hidden fees”.[1][2]
ConversionOptional: swap everything into one holding coin. The rate is the live market price and includes a service margin.Not confirmed.
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.Automated mass payouts that pool up to 1,000 transactions. 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.“No proof of identity needed”.[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 (our inference): funds are stored on servers disconnected from the internet, with “90% of funds” in cold wallets.[1][4][5]
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).28 currency and network IDs in its docs (“15+” coins on the homepage). USDT on Ethereum, Tron, BNB Smart Chain, TON and Solana; USDC on Ethereum, Base, BNB Smart Chain and Solana. XRP not listed.[2][3]
Country limitsAnyone, in any country, can sign up. The Terms prohibit illegal goods, fraud and sanctions evasion.Excludes sanctioned persons and US-sanctioned countries such as Cuba, Iran, North Korea, Sudan and Syria. Terms dated 12 March 2019.[5]
E-commerce pluginsNone: no WooCommerce, Shopify or WHMCS plugin. Use payment links, the hosted checkout or the API.WooCommerce and WHMCS, with more listed on its site.[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.Gateway API. Webhooks not confirmed.[1]
Payment linksYes: fixed-price or pay-what-you-want links, a hosted checkout page and invoices.Invoices by email, SMS or messenger, with a QR code. Payment links not confirmed.[2]
Every Crypto Merchant cost is on the pricing page, and every API field in the API reference.

Sources

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

  1. [1]Pricing: https://plisio.net/pricing
  2. [2]Homepage: https://plisio.net/
  3. [3]Docs: supported cryptocurrencies: https://plisio.net/documentation/appendices/supported-cryptocurrencies
  4. [4]FAQ: are my funds safe: https://plisio.net/faq/are-my-funds-safe
  5. [5]Terms of use, last updated 12 March 2019: https://plisio.net/docs/plisio-terms-of-use.pdf

When is Plisio the better choice?

Plisio is the better choice if the lowest fee matters most, or you want a plugin or a coin Crypto Merchant doesn't accept.

  • Price per payment matters most: 0.5% through the API, lower than our 1%.
  • You use WooCommerce or WHMCS and want a plugin. Crypto Merchant has none.
  • You need XMR or DOGE, or USDT on TON. Plisio lists them; Crypto Merchant doesn't.
  • You pay many people at once (automated mass payouts) or want a white-label checkout.
  • 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 your customers use networks Plisio doesn't list, or you want documented payment links and webhooks.

  • Your customers pay USDT or USDC on Polygon or Arbitrum One, or pay in XRP. Plisio's docs don't list those.
  • You want shareable payment links, fixed-price or pay-what-you-want, without writing code.
  • You want network fees handled for you: sweeps, swaps and token payouts are paid from your gas balance, with nothing added on top for sweeps.
  • You want signed webhooks (HMAC-SHA256, retried for about two days) and payouts any time, with no minimum and no Crypto Merchant fee.

How do I switch from Plisio 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 Plisio

    Keep your Plisio 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 Plisio charge?
0.5% per payment through its Gateway API and 1.5% for its White Label product, with no monthly or setup fee, according to its pricing page and homepage. Its conversion and withdrawal fees weren't stated on the pages we checked.
Does Plisio require KYC?
Its homepage says “No proof of identity needed”. Crypto Merchant doesn't ask for identity documents when you create an account either.
Is Plisio custodial?
Its pages say funds are stored on servers disconnected from the internet, with 90% in cold wallets, which means Plisio holds them. That makes it custodial by our reading. Crypto Merchant is custodial too.
Why pick Crypto Merchant if Plisio is cheaper?
Only if something else matters more than the fee: USDT or USDC on Polygon or Arbitrum One, XRP, no-code payment links, or documented webhooks, gas handling and payouts. If the 0.5% rate is what counts, Plisio is the cheaper option.

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