Cryptomus Alternatives: Which Gateway Fits Your Shop?
CoinGate, BitPay and Triple-A are worth considering for managed checkout, and BTCPay Server suits a Bitcoin business with someone to run it. B2BINPAY and Plisio trade off price and effort differently. None of them accepts every merchant. After the UK designation naming Cryptomus and Heleket, we wouldn't start a new relationship with either. Pick your next checkout around whether your company would be approved, what your customers hold and where you need the money to land. Existing funds are a different question and need legal and bank advice of their own.
We read public pricing, help pages, product documentation and official UK guidance on 15 October 2026. The NOWPayments and Plisio contract documents were read earlier and keep their earlier dates. Where a charge is unknown, we say so. We haven't opened an account or sent a payment, and the examples are hypothetical. Our ranking methodology explains the scores, which say nothing about whether you'd be eligible.
Why look for a Cryptomus alternative now?
We wouldn't start a new Cryptomus or Heleket merchant relationship. The UK notice dated 8 October 2026 designates Xeltox Enterprises Ltd under RUS3755 and lists Cryptomus, Heleket and Certa Payments as name variations. Its measures include an asset freeze and restrictions on payment processing by UK credit or financial institutions.[1]
OFSI guidance covers people and activity within the UK, plus UK nationals and UK-established entities wherever they operate, and its definitions include cryptoassets. Other countries haven't necessarily imposed the same ban.[2] Whether the UK designation applies to you depends on your company's circumstances; a different brand name doesn't change that.
If you already have money, orders or refunds tied to the account, get legal and bank advice before you decide anything.
Keep the agreement, balance records, invoices and emails for your adviser. This page compares options for future payments, not ways to withdraw, recover or transfer money already held by a designated provider.
This is general information, not legal advice. Our Cryptomus review goes into the account itself and the limits of the evidence.
Which kind of replacement do you need?
Pick the job first: managed checkout, direct Bitcoin receipts, or money landing in an agreed bank account. If one of your suppliers needs euros in a bank account, a crypto balance isn't enough.
| Your main need | Option worth investigating | What to confirm first |
|---|---|---|
| Managed checkout and euro receipts | CoinGate Standard | Company in a listed country, your activity, customer assets, bank approval |
| Managed acceptance for a US or Canadian company | BitPay Acceptance | State, business and account eligibility, and how you'd be paid |
| Direct Bitcoin operations | Self-operated BTCPay Server | Who runs it, who holds the keys, running costs |
| Managed conversion into an agreed currency | Triple-A checkout | Contract, price, activity approval, bank trigger |
| Higher-turnover managed wallets | B2BINPAY Merchant | Signing company, per-transaction minimums, minimum bank withdrawal |
| Ordinary crypto receipt through an invoice integration | Plisio BTC API product | Exact product, who you contract with, who controls the funds, full quote |
Your owners, customer markets and activity can rule out an option that otherwise fits, and there may be no eligible option for your business yet. The processor selection guide helps you turn your requirements into a short buying brief.
Which Cryptomus alternatives belong on the shortlist?
These six solve different problems, listed in the order of our overall ranking. It isn't a list of who'll approve you in your country, so read each limitation first.
The fees quoted below are for one product each and assume your account is approved. They leave out minimum commissions, network fees, conversion margin, and bank, account, application, monthly and refund charges. Unknown isn't free. B2BINPAY's first coin rate doesn't cover tokens or per-payment minimums, Plisio's first rate is for its BTC API, and Triple-A hasn't published a rate. BTCPay's software is free, but hosting, staff time and maintenance aren't.
- 1
CoinGateManaged checkout for businesses in listed countries
81/1001%- Standard merchant checkout
- Euro payouts to a bank, if approved
- The US and UAE aren't on its merchant list, and the headline fee leaves out the quote margin and bank timing.
- 3
BitPayManaged Acceptance for US and Canadian applicants
73/1002% + $0.25- Published fee bands
- Bank or crypto payout, if approved
- New EEA, UK and Australian onboarding is paused. The per-payment charge adds up, and application and high-risk pricing isn't public.
- 9
B2BinPayMerchant wallets for higher-turnover businesses
62/1000.4%- Different tariffs for coins and tokens
- Bank withdrawals with published conditions
- Per-payment minimums and large bank withdrawals bite. Its US and Canada policy wording conflicts with itself.
- 12
BTCPay ServerBitcoin software for a business with someone to run it
57/1000%- On-chain payments to your own wallet
- Control over your payment service
- Free software isn't a free setup. Hot wallets, shared Lightning and partners change who controls the money, and you handle upkeep and bank access.
- 16
PlisioOrdinary BTC invoices and API, if approved
49/1000.5%- A published BTC fee
- Invoice integrations
- Stablecoin and white-label products are priced differently. Open questions: service-wallet terms, who runs it today, and bank payouts and refunds.
- 19
TripleAManaged checkout on an agreed contract
47/100Not published- Payout in a currency you agree on
- Payment requests and checkout
- No public fee. A contract can carry a monthly minimum and conditions on bank payouts. Direct merchants and platforms face different restrictions.
CoinGate: start here if an eligible euro route matters
CoinGate is worth a look when you want managed checkout and your business is in one of its listed merchant countries. Germany, the UK and Canada are on the list; the US and UAE aren't. Being in a listed country doesn't mean CoinGate will approve your owners, products, customers or bank account.[4]
The Standard fee is only part of the cost. CoinGate's commercial policy adds a risk margin to payment quotes, and its size isn't listed.[5] You'd need a quote to see what your shop would receive.
CoinGate's current merchant list names Bitcoin, USDC and other assets, including Bitcoin Cash, but has no USDT row, even though TRON's own coin is listed.[6] Our CoinGate review covers which assets work at checkout and which belong to its other services.
BitPay: a managed option for qualifying US and Canadian shops
BitPay belongs on a US or Canadian applicant's list, subject to restrictions on your business and state. Its country help says new merchant onboarding in the EEA, UK and Australia is paused.[8]
The product to look at is Acceptance, which takes customer payments, not BitPay's consumer wallet or Send. Its merchant terms require a non-refundable application fee, and the amount isn't public. Higher-risk businesses also need an individual quote.[26][7] Our BitPay review covers the differences between those products and the settlement-minimum conflicts.
BTCPay Server: choose control if you can own the work
Self-run BTCPay suits a Bitcoin shop with someone in charge of keeping payments working. The software has no subscription or transaction fee, and on-chain payments can go to an existing wallet whose spending keys never sit on the server.[9]
You still need a running server, backups, updates and someone to deal with a payment that doesn't match an order. A hot wallet on the server keeps the spending keys there. If you use a host's shared Lightning node, payments arrive in the host's wallet, which changes who controls them.[10]
Keeping the spending keys elsewhere doesn't protect every future sale, because a compromised host can swap in different payment addresses.[11] A conversion service or bank would add its own checks and charges. The BTCPay Server review weighs that responsibility against managed checkout.
Triple-A: compare the agreement, not a guessed percentage
Triple-A suits you if you want managed checkout and payout in an agreed currency. It hasn't published its price, and the settlement percentage on one plugin isn't a full tariff. Its general terms allow an agreed monthly minimum, with a charge for any shortfall in transaction fees.[12]
Its activity matrix treats gambling and off-site adult services as restricted for direct merchants and prohibited for payment platforms or marketplaces, so it matters which of those you are. Restricted financial services need checking too.[13]
Bank timing matters as much as checkout. Triple-A's help pages describe a trigger of USD 3,000 equivalent but disagree on whether you have to reach it or exceed it. Passed business checks, correct bank details and bank holidays also affect when money arrives.[16][15] Our Triple-A review explains how invoice currencies and bank currencies differ.
B2BINPAY: check small payments and usable bank balances
B2BINPAY Merchant is worth a look if your business qualifies and you're comfortable with managed wallets and larger bank withdrawals. Its Merchant coin tariff differs from its stablecoin and token pricing, and incoming commissions can have a minimum on each network. Wallet-as-a-Service is a different product.[17]
For a small shop, the minimum bank withdrawal can matter more than a low percentage. Funding a B2BINPAY account and withdrawing your proceeds have different minimums. A T+1 settlement label doesn't tell you when your bank will credit the money.
Availability is the bigger problem. The AML policy revised 9 March 2026 excludes US and Canadian residents and companies in its main text. The footer is inconsistent: it has conflicting exemption wording for the US and leaves Canada out of its shorter list of restrictions.[18] Don't read that conflict as an exemption. The B2BINPAY review has the detail on entities, checks and bank charges.
Plisio: price the asset and product you need
Plisio's ordinary BTC API product deserves a look if your business gets approved and you want to take crypto, but its headline rate doesn't cover every checkout. The fee FAQ lists BTC API at 0.5% and BTC white label at 1.5%. USDT and USDC on BNB Smart Chain are priced differently, at 1% and 2%. The minimum and “up to” wording on other rows isn't clear.[19]
Plisio's marketing talks up no documents and direct wallets, but its linked terms, dated 12 March 2019, describe service wallets, access limits and lawful, approved purposes.[25] Still open: who the current contracting company is, what permissions you'd need, whether you can reach a bank and how ordinary refunds work. The Plisio review goes through those gaps.
How do the main options compare side by side?
The scores are broad, global comparisons. The asset lists don't line up like for like: BitPay lists plugin metadata, CoinGate lists merchant assets and Triple-A's pairs are unknown. A listed asset or plugin may not be switched on for you or kept up to date. BTCPay's non-custodial and no-central-check labels hold only for self-run software, and a hot wallet, shared Lightning node, host or conversion partner changes them. A bank row marked unknown isn't a no. The fee rows leave out the costs listed earlier.
| BitPay | CoinGate | BTCPay Server | TripleA | |
|---|---|---|---|---|
| Score | 73/100 · #3 | 81/100 · #1 | 57/100 · #12 | 47/100 · #19 |
| Payment fee | 2% + $0.25 | 1% | 0% | Not published |
| Cost on $10k/month | $225 | $100 | $0.00 | Not published |
| Pays out to bank | AUD, CAD, CHF, EUR, GBP, MXN, NZD, USD | EUR, GBP, USD | Not stated | Yes |
| 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: Liquid, TRC20 (plugin) | USDT: Not stated · USDC: Not stated |
| Coins | 19 | 12 | 14 | Not stated |
| Custody | Custodial | Custodial | Non-custodial | Custodial |
| Merchant KYC | Required | Required | None | Required |
| Rolling reserve | Not stated | Not stated | none | may apply |
| 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) | Not stated | Major Payment Institution, Triple A Technologies Pte. Ltd. (reference is provider-claimed) (PS20200525 (provider-claimed)); Payment Institution (ACPR), Paytop SAS |
| Plugins | WooCommerce, Shopify, Magento 2, WHMCS, Wix, BigCommerce | WooCommerce, Wix, Magento 2, WHMCS, OpenCart, PrestaShop | WooCommerce, Shopify, PrestaShop, Magento, BigCommerce, Odoo | WooCommerce |
| Legal entity country | United States | Lithuania | Not stated | Singapore |
| Founded | 2011 | 2014 | Not stated | 2020 |
What would processing cost on a typical month?
Order size can change the comparison even when monthly sales stay the same. BitPay's entry band adds 25 cents per paid invoice to its 2% charge, and its published rates change with cumulative monthly volume.[7]
Move the sales and ticket controls to see that fixed charge. The calculator counts BTC fees only, for BitPay Acceptance, CoinGate Standard and Plisio BTC API accounts, and assumes you're approved. Triple-A has no published rate to enter. The calculator applies one fee tier to the whole month, and the annual figures assume twelve identical months. Totals are before the costs listed earlier, and “Lowest” means cheapest on the fees we could price, not what's left as profit.
- PlisioLowest estimate
$50$50 0.50% - CoinGate
$100$100 1.00% - BitPay
$225$225 2.25% - TripleANot published
Published rate estimates only. Provider minimums, network, conversion, bank and account charges may be extra.
What else can change which option fits?
Customer assets, bank access and how much work your team can take on can outweigh a fee difference. Look for your customers' exact token and network, not a broad “stablecoins supported” claim.
Say you need USDT on TRON. A provider accepting TRON's coin, invoicing in dollars or taking account deposits doesn't mean that checkout pair is available. Ask which merchant pairs are switched on, what the payment minimum is and which asset you receive, or your customer may be offered a payment option they can't use.
| Situation | What a usable replacement must answer |
|---|---|
| A customer pays a completed order twice | How an overpayment is handled compared with a normal refund |
| A payment is short, late or unsupported | Who looks into it, what they need from you, and whether the money can be returned |
| A supplier bill is due before bank release | The bank trigger, currency, charges and expected arrival |
| A subscription renews monthly | Whether the customer pays again, uses a prepaid balance or agrees to a real debit |
| Checkout stops working after an update | Who is responsible for fixing it, whether the integration is maintained and who you escalate to |
Published support hours and mixed buyer-and-merchant reviews say little about how fast a problem gets fixed or how often merchants hit one. What matters is what happens to one particular paid order or bank delay.
Are Coinbase Business or NOWPayments worth considering?
They can, if your business fits their narrower conditions. Neither is a general-purpose replacement, so don't add one just because the name is familiar.
Coinbase Business says in its availability help that it's open to eligible US and Singapore businesses, and it verifies the company and owners before activation.[20] Its payments suite lists USDC on five named networks and USDT on Ethereum, and settles into USDC in your account. Depositing other assets isn't the same as accepting them at checkout. Fees on completed payments for new accounts are only visible with account access.[21] The public 1% migration offer is for Commerce merchants, so it doesn't apply to someone switching from Cryptomus.[22] That's why Business isn't in the price calculator. See the Coinbase Business review for the product and its US-bank limits.
NOWPayments needs an eligibility check before you compare its prices with Cryptomus. The contract we read earlier excludes EU, UK, US and UAE residents or citizens, and people located in or resident in Russia. It isn't clear how that applies to a company and its owners, so ask NOWPayments.[24] Its ordinary flow, the optional Custody service and the bank partner are different choices.
The updated fee help gives 1% for same-coin payments and 1.5% when conversion, fixed-rate or customer-paid settings are on, with network fees charged at their own stages. Discounts for approved accounts aren't an entry price anyone can count on.[23] Our NOWPayments review explains why a payment going straight to your wallet doesn't by itself mean you control the money at every stage.
How should you prepare a future checkout change?
Plan around your orders and who's responsible for what. Order histories, refund duties, subscription permissions and credentials don't automatically carry over just because features look alike.
Before you pay for development, get the new provider to confirm which company and service the agreement names, what business it permits, which payment methods your customers get, the full quote and how you'd be paid. A package listing only shows the software is published, not that it works with your store setup or that anyone has tested its security for you.
- 01
Define the future payment
List the assets and networks your customers use, your order sizes, your refund needs and where the money has to end up.
- 02
Confirm the available product
Check your company, owners, activity and customer markets against the provider's, host's, partner's and bank's conditions.
- 03
Budget and assign responsibility
Compare the full quote and the work of running it, and decide who handles updates, late payments and refunds.
- 04
Plan orders and communication
Decide how future invoices and customer questions will be handled. Existing balances and obligations need their own legal and bank advice.
- Managed options can combine checkout with payout to a bank, if you're approved.
- Self-run software gives a team that can look after it more control.
- Published prices for each product let you compare the processing fee.
- Picking checkout around the assets your customers hold avoids building the wrong integration.
- No country list, licence or score approves your company or what it does.
- Unknown charges, minimums and bank timing mean headline prices can't be compared like for like.
- Running your own software puts maintenance, wallet signing and support on you.
- A new checkout doesn't inherit old funds, order records, refunds or collection permissions.
What evidence would change this shortlist?
A decision on your own account or a full quote for your product can change which option fits. Broad marketing, a missing prohibition or a familiar logo is much weaker evidence.
Show the evidence log (9 checks)+
| Checked | What we checked | Finding | Source |
|---|---|---|---|
| 2026-10-15 | UK notice and guidance | The October designation names Cryptomus and Heleket. Whether it applies to you depends on your UK links. | UK government |
| 2026-10-15 | CoinGate prices and assets | The Standard fee, quote margin and asset list each answer a different question. | CoinGate |
| 2026-10-15 | BitPay onboarding | It still takes US and Canadian applicants, and new onboarding in the EEA, UK and Australia is paused. | BitPay |
| 2026-10-15 | BTCPay control | An external wallet, a server hot wallet and a host's shared Lightning node carry different risks. | BTCPay documentation |
| 2026-10-15 | Triple-A contract and bank trigger | Its incoming fee is unknown, and its agreed minimums and bank conditions affect the decision. | Triple-A |
| 2026-10-15 | B2BINPAY Merchant tariff | Coin and token tariffs, minimum commissions and bank funding and withdrawal rules all differ. | B2BINPAY |
| 2026-10-15 | Plisio product fees | BTC API, white label and BSC stablecoins have different fees, and other rows' minimum wording is unclear. | Plisio |
| 2026-10-15 | Business payment price | New-account pricing needs an account, and the Commerce migration offer doesn't quote new customers. | Coinbase Business |
| 2026-10-15 | NOWPayments settings | The fee differs for same-coin, converted, fixed-rate and customer-paid settings. | NOWPayments fees help |
Updated 15 October 2026: added this comparison of ways to accept payments from now on. It uses what providers publish today, plus earlier contract documents with their own dates. Prices and availability depend on the offer you actually get.
Frequently asked questions
What is the best Cryptomus alternative?
Is Heleket a suitable backup for Cryptomus?
Which alternative can accept a US business?
Can a UK business use these alternatives?
Is BTCPay Server completely free?
Which replacement is cheapest?
Can I keep accepting USDT on TRON?
Does a bank settlement option guarantee quick cash?
Will refunds and subscriptions move to the new provider?
Can a replacement provider recover my existing Cryptomus balance?
Sources
26
Numbers in square brackets in the text link to these sources.
- UK sanctions notice: Xeltox, Cryptomus and Heleket, 8 October 2026 · Checked 2026-10-15
- OFSI financial sanctions general guidance · Checked 2026-10-15
- CoinGate Standard and Enterprise pricing · Checked 2026-10-15
- CoinGate supported merchant countries · Checked 2026-10-15
- CoinGate commercial policy and payment quote margin · Checked 2026-10-15
- CoinGate assets and networks by service · Checked 2026-10-15
- BitPay Acceptance pricing · Checked 2026-10-15
- BitPay onboarding countries, updated 3 October 2026 · Checked 2026-10-15
- BTCPay Server general FAQ · Checked 2026-10-15
- BTCPay Lightning FAQ and shared-host control · Checked 2026-10-15
- BTCPay third-party hosting and future-payment risks · Checked 2026-10-15
- Triple-A general terms, version 20 April 2026 · Checked 2026-10-15
- Triple-A activity restrictions for merchants and platforms · Checked 2026-10-15
- Triple-A minimum bank settlement threshold · Checked 2026-10-15
- Triple-A bank trigger and bank holidays · Checked 2026-10-15
- Triple-A successful-payment withdrawal conditions · Checked 2026-10-15
- B2BINPAY Merchant processing and bank tariff · Checked 2026-10-15
- B2BINPAY AML policy, revised 9 March 2026 · Checked 2026-10-15
- Plisio fees by product, asset and network · Checked 2026-10-15
- Coinbase Business availability and verification · Checked 2026-10-15
- Coinbase Business payment links, assets and account pricing · Checked 2026-10-15
- Coinbase Commerce closure and migration-only pricing · Checked 2026-10-15
- NOWPayments fees, updated 14 October 2026 · Checked 2026-10-15
- NOWPayments FD Transfers terms, read earlier · Checked 2026-10-11
- Plisio linked terms, dated 12 March 2019, read earlier · Checked 2026-10-14
- BitPay Acceptance terms, effective 1 April 2026, read earlier · Checked 2026-10-11