Best BitPay Alternatives in 2026: Cheaper, Wider or Simpler

Why do people look for a BitPay alternative?

Is the fee the main reason?

For small shops, yes. BitPay takes 2% plus 25 cents on each payment until you reach $500,000 a month, then 1.5% from $500,000 to $999,999 and 1% from $1 million, with the 25 cents staying in every tier. On a $10,000 month of $100 orders that's $225, or 2.25%.

The flat 25 cents is what bites on small tickets: a $10 order costs 4.5%, a $5 order 7% and a $12.50 order 4%.

The charts and receipts on this page show the headline fee only, not network costs, conversion, bank charges, application fees, refunds or payment problems. CoinGate's policy adds an unpublished margin to the payment quote, beyond its 1% merchant fee.^[20] BitPay doesn't publish a conversion margin or the amount of its application fee, and an unlisted cost isn't a zero cost. Confirmo's figures use its Irish entity's active schedule, and B2BinPay's use the 0.40% coin rate (stablecoins cost 0.50% at this volume).

BitPay's Bitcoin invoices can also add a Network Cost that the buyer pays on top of their own wallet fee. BitPay leaves it off only when it's below both $0.01 and 0.05% of the invoice.^[7] So a cheaper merchant fee can still leave your customer paying more at checkout.

Do approval and ID rules push merchants away?

They can. BitPay approves merchants in tiers, and the first approved tier lets you process $10,000 a day and $500,000 a year. Moving up means business bank statements, then a compliance call at the top tier.^[8]

Your customers face checks too. The same docs require BitPay ID for purchases over $3,000 and for recipients of refunds or payouts. If you sell big-ticket items, tell customers about the extra step before checkout.

BitPay's merchant terms require an application fee that isn't returned if approval is denied, you withdraw or you decide not to proceed. No amount is published, so ask what it is before you begin.

Which industries and coins does BitPay not cover?

BitPay bans some industries outright, including cannabis dispensaries, sexually explicit content, weapons, derivatives and cloud mining. Others, such as gambling, forex, money services businesses and crypto trading, need special approval. The terms also let BitPay close an account without notice, and suspend one with no paid transaction for more than 12 months.^[3] BitPay doesn't publish its high-risk fee.

BitPay lists assets including USDT and USDC, but its invoice-payment help page lists neither TRON nor BNB Smart Chain.^[4] What matters is the network your customer already holds the coin on. Payouts have floors too: US dollars by ACH start at $20, but a US dollar wire outside the US needs $10,000 in your balance first.^[5]

What do users and merchants say?

On our check, BitPay's Trustpilot profile showed 1.2 out of 5 from 299 reviews, 89% of them one-star, with no replies to negative reviews.^[15] The profile covers BitPay's consumer products as well as merchant processing, so you can't tell how many merchants had a problem.

If you're weighing BitPay, ask how stalled payments get traced, who handles a refund case, and how you reach support when a payout is late.

What does BitPay do well?

Plenty, and it's why some merchants should stay. BitPay publishes its prices, and New York's regulator lists Bitpay, Inc. with a virtual currency licence.^[16] Above your currency's minimum, it issues settlement every business day, though the money takes longer to reach your bank.

BitPay's developer guide lists eight bank currencies. The help page, updated in October, also lists ZAR, and the two pages disagree on the euro and pound minimums: EUR 500 versus EUR 100, and GBP 500 versus GBP 1,000.^[6] Ask which floor applies to your currency. For the rest of the service, see our BitPay review.

Which BitPay alternatives can your business use?

Only the ones that accept your country, legal entity and industry. Some providers decide eligibility case by case, whatever their published fee.

1. 1

   CoinGate

   CoinGate is a Lithuanian company with a published 1% Standard fee.

   81/100

   1%
   • $100 on a $10,000 month, against BitPay's $225
   • SEPA withdrawals have no service fee, with a 50 EUR minimum
   • The Bank of Lithuania register shows valid payment-institution and crypto-service authorisations
   • Standard settlement is weekly, the payment quote includes an unpublished risk margin, USDT isn't listed, and the US isn't on its merchant-country list.
   Read review ↗Visit site
2. 4

   Confirmo

   Confirmo publishes a clear invoice fee schedule for its Irish entity.

   72/100

   0.8%
   • Confirmo Limited's active schedule charges 0.8% on invoices, or $80 on $10,000
   • No merchant-settlement service fee on that schedule, though bank-partner and crypto network costs still apply
   • Its terms require merchants to hold the licences their own activity needs
   • You'd have to ask which entity contracts with you. The Irish policy names euro bank settlement through partners but gives no bank-arrival deadline.
   Read review ↗Visit site
3. 5

   Coinbase Commerce / Coinbase Business

   Coinbase Business is open to qualifying US and Singapore companies, and the old Commerce portal closed on 31 March 2026.

   67/100

   from 1%
   • Migrating Commerce merchants get 1%, and new applicants can compare their quote with BitPay's
   • New York's regulator lists Coinbase, Inc. with virtual currency and money-transmitter licences
   • USDC checkout on five networks, with no gas balance needed by customers on Base
   • Stablecoins only: USDT runs on Ethereum and receipts settle in USDC. We couldn't confirm new-account fees or dollar-conversion costs, and US entity and industry restrictions apply.
   Read review ↗Visit site
4. 8

   NOWPayments

   NOWPayments offers a wide choice of coins and networks to eligible merchants outside the EU, UK, US and UAE.

   63/100

   1%
   • A published fee model of 1% to 1.5% before network costs
   • USDT on TRON and BNB Smart Chain, plus Ethereum, Solana and Polygon
   • Its terms describe a bank payout for approved Custody users
   • Its help page also gives lower fee examples that conflict with the main model. Network costs come on top, and the bank payout has conditions attached, with no full public price or arrival time.
   Read review ↗Visit site
5. 9

   B2BinPay

   Its rates fall with volume, and it suits businesses that can batch their bank withdrawals.

   62/100

   0.4%
   • 0.40% on coins and 0.50% on stablecoins up to $1M a month, falling in bands above that
   • No B2BinPay service fee on outgoing crypto, though network costs still apply
   • EUR and USD bank withdrawals with published charges
   • Bank withdrawals start at 5,000 EUR or USD, and onboarding can cost extra. Its El Salvador policy restricts US and Canadian access, though a footer says otherwise.
   Read review ↗Visit site
6. 12

   BTCPay Server

   Free, open-source software that receives payments into a wallet you control.

   57/100

   0%
   • No software subscription or processing fee
   • The processor doesn't hold your on-chain payment balance
   • No merchant application to a payment processor
   • You pay for hosting and look after security yourself. Support comes from the community, and bank conversion needs a third-party plugin or service.
   Read review ↗Visit site
7. 22

   Paykilla

   Paykilla quotes each merchant an individual rate, from 0.5%.

   45/100

   from 0.5%
   • Public pages advertise 0% withdrawal service fees
   • Lists USDT on TRC-20, ERC-20 and TON
   • Offers API, checkout-widget and invoice integration
   • US persons are excluded. You need a quote to see your real rate and bank-transfer terms, and the public pages we read name no regulator or licence.
   Read review ↗Visit site

For deeper write-ups, read our CoinGate review and NOWPayments review, or see the gateway ranking for other choices.

Which alternative suits which kind of business?

How much would you save by switching?

On a hypothetical $10,000 month of $100 orders, the fee gap is $125 to $185 before network, conversion, bank and application costs. The calculator leaves out B2BinPay's per-network minimum commissions, so ask whether they apply to you.

The other providers quote differently. At Coinbase, migrating Commerce merchants kept 1%, which is $100 on that month, but new merchants only see their fee after signing in.^[32] NOWPayments lists 1% for same-coin payments and 1.5% for conversion, fixed rates or buyer-paid fees: $100 or $150 before network costs. Its help page also walks through a lower 0.5% and 1%, so check which fee your account is set to.^[38] Paykilla advertises rates from 0.5%, set for each merchant individually.^[43]

Confirmo's replacement Irish fee schedule takes effect on 1 November 2026.^[29] Its posted Terms already list USD 100 plus network costs for recovering a mispayment, and nothing promises free recovery before then.^[31] The documents don't give one current fee for everyone, so ask which entity, agreement and schedule version would cover you.

BitPay's charges beyond its 2% + $0.25 rate are in our BitPay fee guide.

How do the main alternatives compare side by side?

Coinbase's row uses the migrating-merchant offer, Confirmo's its Irish schedule and B2BinPay's the coin rate.

	BitPay	CoinGate	Confirmo	B2BinPay	Coinbase Commerce / Coinbase Business
Score	73/100 · #3	81/100 · #1	72/100 · #4	62/100 · #9	67/100 · #5
Payment fee	2% + $0.25	1%	0.8%	0.4%	from 1%
Cost on $10k/month	$225	$100	$80.00	$40.00	$100
Pays out to bank	AUD, CAD, CHF, EUR, GBP, MXN, NZD, USD	EUR, GBP, USD	EUR	EUR, USD	USD
Stablecoin networks	USDC: Ethereum, Polygon, Arbitrum, Optimism, Base, Solana · USDT: Ethereum, Polygon, Arbitrum, Optimism, Solana · PYUSD: Ethereum · GUSD: Ethereum · USDP: Ethereum · EURC: Ethereum · BUSD: Ethereum, Polygon	USDC: Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism · EURC: Ethereum	USDT: Ethereum, TRON, Polygon, Arbitrum, Optimism, BNB Smart Chain · USDC: Ethereum, Polygon, Arbitrum, Optimism, BNB Smart Chain · USDG: Not stated	USDT: Not stated · USDC: Not stated	USDC: Ethereum, Base, Polygon, Optimism, Arbitrum · USDT: Ethereum
Coins	19	12	10	Not stated	2
Custody	Custodial	Custodial	Custodial	Custodial	Custodial
Merchant KYC	Required	Required	Required	Required	Required
Rolling reserve	Not stated	Not stated	Not stated	Not stated	Not stated
Licence	Money transmitter (NMLS ID) (1496848); Virtual Currency Business Activity licence (NYDFS)	Crypto-Asset Service Provider (MiCA), Bank of Lithuania; licence No. 2, authorization code LB002323 (LB002323); Payment institution, Bank of Lithuania (EMT operations); licence No. 60, authorization code LB002324 (LB002324)	Crypto-Asset Service Provider (MiCAR), Confirmo Limited (C570624); Payment Institution (PSD2), Confirmo Limited — electronic-money-token transfer scope (C570624)	Digital Asset Service Provider (PSAD), B2BINPAY EL SALVADOR S.A. DE C.V. (PSAD-0064); Bitcoin Service Provider (PSB), B2BINPAY EL SALVADOR S.A. DE C.V.	Money transmitter licences (NMLS ID, Coinbase, Inc.) (1163082); New York Virtual Currency Business Activity licence (NYDFS) (122466)
Plugins	WooCommerce, Shopify, Magento 2, WHMCS, Wix, BigCommerce	WooCommerce, Wix, Magento 2, WHMCS, OpenCart, PrestaShop	WooCommerce, Shopify	WooCommerce	Not stated
Legal entity country	United States	Lithuania	Ireland	Not stated	United States
Founded	2011	2014	2014	Not stated	Not stated

Bank access often decides the choice. CoinGate's Standard payouts are weekly, B2BinPay's T+1 label describes settlement, not arrival in your bank, and Confirmo's Irish policy gives no bank-arrival deadline. Coinbase can schedule dollar withdrawals daily, weekly or monthly, and ACH takes one to three business days. BitPay sends daily once you clear its currency floor.

Ask for a worked quote using your payment coin, network, withdrawal currency and usual refund rate. Cheap crypto receipts can still be a poor fit if your supplier needs small euro transfers every day.

How do you switch from BitPay without losing sales?

Keep your current checkout running until the new one is approved and working. A hard cutover risks lost orders, because KYB approval, plugins and payment notifications all have to work first.

1. 
   01

   Export your records

   Download your ledger as CSV or IIF from the dashboard. Only Admin or Accounting users can.

2. 
   02

   Start KYB early

   Apply to the new provider before you touch your checkout, and ask for your starting limits.

3. 
   03

   Rebuild the integration

   Swap the plugin or API calls, and map the new provider's payment statuses to your orders.

4. 
   04

   Move traffic in stages

   Offer both at checkout, or send a share of orders to the new one, then watch settlements land.

What should you export and check first?

Export your full transaction history while your login still works. Besides the CSV and IIF files from the dashboard, an API returns settlement reconciliation reports.^[12] Your accountant will want both.

Then check money in flight:

• Your balance. BitPay pays out daily only above each currency's minimum, such as $10,000 for non-US dollar wires, so up to that much can be sitting there. Settle it before you close anything.
• Pending refunds. Keep enough ledger balance to fund them and check each final status. Refunds use the original fiat value, converted at the rate when the customer claims the refund.^[9] Ask whether you can refund old invoices after closing.
• Open invoices. BitPay has a 15-minute payment window. A paid invoice can become invalid if it hasn't confirmed within an hour, then update again after a late confirmation. Partial payments and overpaid excess return to the customer; don't ship just because an invoice says paid.^[10]
• Payouts to others. Reconcile any outgoing batches on their own, apart from merchant settlement. Moving checkout doesn't automatically move your recipient list, pending transfers or how you fund them.

What needs to change in your code and plugins?

BitPay posts a notification to your notification URL when an invoice is paid, confirmed or complete, and its docs say to look the invoice up by ID instead of trusting what the notification contains.^[11] Your new provider's statuses and callbacks will differ, so test with small orders before you remove the old ones.

BitPay maintains official e-commerce integrations. Before booking the move, look up your replacement's exact platform, version and refund support. A hosted payment link, a plugin and a custom API take different amounts of work. Your developer should check callback authentication and retries so duplicate notifications can't trigger a second shipment.

How long does approval take, and when should you close BitPay?

Allow weeks, not days. Coinbase says most Business applicants hear back within a few weeks. B2BinPay's terms say an onboarding fee may apply, with a possible 50% refund if onboarding isn't completed under certain conditions; the amount isn't public.^[25]

Moving volume away can also raise your BitPay price, because its tiers use cumulative monthly volume. Move half of a hypothetical $600,000 month away and what's left is $300,000, in the 2% band, not 1.5%, each plus 25 cents. Close the account only when the last payout and refund are done. BitPay's help page says to email support@bitpay.com from your registered address and doesn't mention balances, so ask about those in the same message.

Should you stay with BitPay?

Stay if daily bank payouts, a named US licence and published prices matter more to you than the last percentage point. Leave if your orders are small, your customers use TRON or your business model sits outside its rules.

US stores should weigh BitPay against Coinbase Business's stablecoin checkout. BitPay vs Coinbase Commerce compares the two, and the Coinbase Business fee guide covers Coinbase's costs.

Frequently asked questions

Updated 14 October 2026 with clearer wording on B2BinPay's restrictions and on what our estimates leave out. First published 5 October 2026.