Cryptomus vs Heleket 2026: Fees, Links and UK Sanctions

The link between these two gateways matters more than their similar checkout pages. Our recommendation changed after the UK designation, so the useful comparison now is what the public documents tell an existing merchant about prices, access to money and replacing an integration.

Are Cryptomus and Heleket the same company?

The UK now officially links both brands to Xeltox, but neither provider's current terms names the company that would sign your merchant contract.

The UK government's notice of 8 October 2026 designates XELTOX ENTERPRISES LTD under entry RUS3755 and lists Certa Payments Ltd, Cryptomus and Heleket as its primary name variations. The reasons given are Xeltox's ownership of Cryptomus and activity carried on through Heleket. The measures include an asset freeze and limits on correspondent banking and processing payments, among other sanctions.^[1]

What the sanctions mean for an existing merchant

UK sanctions apply to activities in the UK and to UK nationals and UK-established companies and other legal entities wherever they operate.^[2] That isn't a blanket ban under every country's laws, so your own country, company, owners and payment route all matter.

OFSI's guidance generally prohibits dealing with frozen funds or making funds available to designated persons unless an exception or licence applies, and cryptoassets are covered. If you already have a balance, get your bank and a qualified sanctions adviser to review the account before you try any withdrawal, refund or transfer.^[3] This is general information, not legal advice.

How the earlier evidence fits

TRM Labs, a blockchain analytics firm, published a report on 20 April 2026 on how the two are connected. It pointed to shared branding, infrastructure, people and money flows, and called Heleket a likely parallel service. That was TRM's own analysis, not a legal finding of ownership.^[6]

Canada took its own action. FINTRAC's release of 22 October 2025 reports a C$176,960,190 administrative penalty on Xeltox, operating as Cryptomus, imposed on 16 October 2025. It describes reporting and compliance failures, including some in July 2024.^[4] The public penalty notice still lists an appeal to the Federal Court, which the UK action doesn't decide.^[5]

How much do Cryptomus and Heleket charge?

Cryptomus publishes a default; Heleket publishes a floor. That makes the gap easy to illustrate and hard to rely on until a provider quotes you a rate for your own account.

Cryptomus's payment-fee page says new users pay 2%. Lower rates, down to 0.4%, mean contacting its team and depend on your business, turnover and integration.^[7] Heleket advertises fees from 0.4% and says the exact plan depends on payment volume, without publishing a default rate for a new merchant.^[16]

Heleket's payment-services documentation shows a 2% commission in an example response. That's an illustration of what the service returns, not a tariff.^[19] We use 2% for Heleket only as a what-if, not as its verified charge.

Cryptomus's current trading-fee page confirms free transfers between its own wallets. Sending money out of Cryptomus may still carry a service charge.^[8] Heleket's terms, updated 23 June 2026, list service, network, exchange, additional-risk, limit-related and other fees, including one for commercial personal-wallet use, and allow changes without advance notice.^[17] Unknown isn't free.

The calculator and receipts below show the percentage fee and nothing else. They leave out network charges, conversion margins, withdrawal and bank costs, and account, refund or special-service fees. They also don't price a balance you can't reach or the work of changing checkout.

CoinGate and B2BinPay are here for reference, and neither has promised to approve you. CoinGate's Standard rate is 1%, and its commercial policy also describes a risk margin in payment quotes with no price listed.^[26][27] B2BinPay publishes 0.40% for coins and 0.50% for stablecoins below $1 million monthly volume, plus per-network minimum commissions and its own bank fees.^[28] Its coin and stablecoin rates fall to 0.35% and 0.45% at $1–3 million, 0.30% and 0.40% at $3–5 million, and 0.25% and 0.35% above $5 million. Ask which minimums would apply to your payments. B2BinPay's El Salvador policy restricts US and Canadian residents and companies, while its footer still mentions EU, UK and US exemptions. Those two conflict, so don't count on access.^[30]

The calculator treats Heleket's rate as its advertised floor.

What the gap means on a small shop's bill

On a $10,000 month, 2% is $200 and 0.4% is $40. That $160 gap only turns into a saving if you'd get the lower rate and the other costs don't eat it.

For a hosting business with $50,000 in monthly sales, the same percentages become $1,000 and $200: an $800 monthly gap before extras. Renewals, failed payments and refunds cost staff time too, which matters most if changing provider means rebuilding subscriptions.

Can your business use either service?

Sanctions come first here, then each company's country, ownership and business rules. An open sign-up page isn't approval.

Cryptomus's terms, updated 17 August 2026, exclude United States citizens or residents. They point to a prohibited-country list in the AML policy, but the current policy has sanctions and high-risk criteria instead of the old numbered list.^[10] So we can't tell which countries are in or out today, and a country missing from the old list isn't necessarily accepted.

Heleket's AML policy, updated 23 June 2026, lists 59 excluded jurisdictions, among them the United States, Russia, Japan, Bulgaria and Ukraine. The exclusion covers citizenship, residence, company registration, location, operations and substantial connections.^[18] Registering a company elsewhere isn't enough.

Cryptomus's AML policy, last reviewed 1 October 2026, prohibits gambling and adult content or services outright. It checks individuals' identity documents and liveness, and companies' registration, ownership, directors, shareholders and beneficial owners.^[9] A beneficial owner may not be the person filling in the application.

Heleket's policy also lists document categories for individuals and companies, though what it would ask of a particular merchant isn't clear. It bans illegal gambling, which isn't an offer to approve every licensed operator. If the policy says nothing about your industry, don't read that as acceptance.

Official records linking the brands to Xeltox explain the risk, but they don't replace a contract with a named company.

How much control do you have over the balance?

Both services are custodial: they hold your balance, so a paid order and money you can spend are different things.

Cryptomus's terms describe pooled hosted assets, no insurance, and situations where funds can be blocked or returns refused.^[10] Heleket's terms allow restrictions and delays for compliance, legal and other reasons. Both providers' payment documentation includes an AML-locked status for funds held under the anti-money-laundering programme.^[14][23] A blockchain confirmation doesn't guarantee the processor releases the money.

Cryptomus's white-label page advertises bank withdrawals through SEPA, the euro-transfer network, and SWIFT, the international banking messaging system. We couldn't find the currencies, fees, minimums, timing or who is eligible.^[11] Heleket's payout documentation sends cryptocurrency to a wallet address. If you enter a dollar amount there, you get a crypto payout worth that much, not a dollar bank transfer.^[20]

If you need regular local-currency payouts from a replacement, the CoinGate review and CoinGate fee guide cover how it pays out and what that costs.

Which checkout features do they publish?

Cryptomus has the clearer subscription offering, and both describe ways to use your own branding. These features only matter if you already run one of these services. They don't change our advice against new sign-ups.

Cryptomus's documentation describes weekly, monthly and three-monthly plans. The customer logs in to Cryptomus, confirms the plan and makes the first payment, and later payments are automatic.^[12] That customer-account step is a change if your buyers currently just send crypto from a wallet. We didn't find a comparable recurring product in Heleket's current documentation.

Cryptomus's product page offers a white-label checkout. Heleket's host-to-host guide has you create invoices on your server and show payment details on your own checkout. It also says your website must be submitted and approved before payment credentials are issued.^[21] You'd do more of the checkout work yourself that way, including matching incoming payments to orders.

Cryptomus's plugin directory covers familiar platforms including WooCommerce, WHMCS, PrestaShop and OpenCart.^[13] Heleket's modules page lists those platforms plus XenForo and Invision Community, with tutorial links.^[22] A platform name on a page doesn't mean the package works with your installed version.

Different networks for the same stablecoin can have different fees and addresses, so go by the exact asset and network rather than the logo.

The bars compare product features. A higher score isn't clearance to use a service or a measure of sanctions exposure.

Cryptomus

46/100

Model comparison

Heleket

45/100

Cryptomus and Heleket: Informational entry. This model is not a recommendation to open a new merchant account. Check current availability directly with the provider.

3.3

Cost

7.0

1.0

Fiat cash-out

1.0

6.0

Licence

0.0

4.0

Coins and networks

2.0

8.0

Integrations and API

8.0

10.0

Features

7.1

2.0

Support and reliability

6.0

6.0

Onboarding

6.0

	Cryptomus Informational entry. This model is not a recommendation to open a new merchant account. Check current availability directly with the provider.	Heleket Informational entry. This model is not a recommendation to open a new merchant account. Check current availability directly with the provider.
Score	46/100 · #20	45/100 · #21
Payment fee	2%	from 0.4%
Cost on $10k/month	$200	$40.00
Pays out to bank	Not stated	Not stated
Stablecoin networks	USDT: Not stated	USDT: Not stated · USDC: Not stated · DAI: Not stated
Coins	100	17
Custody	Custodial	Custodial
Merchant KYC	Required	Required
Rolling reserve	Not stated	Not stated
Licence	Historically stated FINTRAC MSB registration, Xeltox Enterprises Ltd; current status unverified (M2269585)	Not stated
Plugins	WooCommerce, WHMCS, PrestaShop, OpenCart, Magento 2, BigCommerce	WooCommerce, OpenCart, WHMCS, XenForo, PrestaShop, Invision Community
Legal entity country	Not stated	Not stated
Founded	Not stated	Not stated

Cryptomus's licence score includes credit for an old, unverified MSB registration claim, and the current legal pages no longer publish the number. Read the scores next to the official enforcement record.

Which service wins for five common business needs?

Neither gets our recommendation for a new account. For an existing merchant working out what to replace, the differences still matter.

For a replacement shortlist, start with our main gateway comparison and the processor buying guide. Rule providers out on country, industry, settlement and contract company before you spend any time on integration.

How should an existing merchant plan a change?

Start with advice and records, then plan the replacement checkout. Don't count on switching between Cryptomus and Heleket as a backup plan. We found no public portability agreement, and a familiar invoice format isn't permission to reuse a login or proof that an old balance will show up elsewhere.

1. 
   01

   Review the existing account

   Give your bank and sanctions adviser the agreement, your balances, pending payments and any refunds you plan to make. Work out what's lawful before you move funds.

2. 
   02

   Keep the records

   Save invoices, order IDs, transaction references, fee and conversion records, payouts, subscriptions and support messages. In your books, keep held money apart from cash you can use.

3. 
   03

   Choose and prepare a replacement

   Make sure the new service has approved your country and industry, names its contracting company, and gives you bank payout details and the full price. Then recreate your checkout settings and customer renewals there.

4. 
   04

   Check orders and refunds

   Have your developer test how your integration handles order updates, failed payments and duplicate messages. Keep old refund records in their own file, and follow your adviser's guidance on any balance movement.

Keep refunds attached to the original order

Both brands describe refund tools for paid orders. The documentation lets the commission come out of your balance or out of the amount the customer gets back. Neither promises a free refund or recovery of a locked payment.^[15][24] Using the tool also depends on legal permission and access to the balance.

For each open order, note the amount received, what the customer is owed, the fee, the status and your messages with them. If the refund charge cuts what the customer gets back, you still have to decide how to meet your refund obligations. A gateway setting shouldn't quietly change what you promised the buyer.

Check the installed checkout, not just the guide

Heleket's documentation includes a test-webhook tool, which sends your system a simulated payment-status message. It doesn't save payment data and can use an existing or test invoice.^[25] That helps with order notifications, but live funds, settlement and compliance checks aren't part of it.

Have your developer verify how your installed system handles underpayments, expired orders and repeated notifications, and note the plugin version and settings next to the result. We haven't run those checks ourselves. The NOWPayments–CoinGate comparison gives another view of checkout and settlement trade-offs.

Frequently asked questions

Change log: 14 October 2026, clarified B2BinPay's policy wording and what our estimates leave out. 11 October 2026, changed our recommendation after the UK designation and corrected contract identity, country restrictions, bank-withdrawal details and branded-checkout claims. We also replaced speculative migration advice with record-keeping and refund planning. 6 October 2026, first published.