B2BinPay Review 2026: Fees, Bank Withdrawals and Who It Suits

B2BinPay's starting percentage is low. But a low fee at checkout only helps if the rest of the money can reach your own bank or wallet in time to pay your bills.

Our verdict

B2BinPay

A serious option if your business is approved, you have a developer and you sell enough to clear its bank minimums. Price the whole route to your bank, not just the low percentage.

62

/100

#9 of 27 · Best overall

Best for

• Approved businesses with steady crypto sales
• Teams that can build and maintain a custom checkout
• Merchants who are fine with B2BinPay holding their balance

Not for

• Shops that need small, frequent bank withdrawals
• Businesses that want a ready-made plugin that works today
• Applicants who are counting on unclear country exemptions

Visit site See the feesScore breakdown

At a glance

Fees on a $10k month

$40

0.40% at $100 orders

Bank payouts

2

EUR · USD

Crypto assets

Not stated

USDT · USDC

Trustpilot rating

Not stated

2 reviews

What does B2BinPay do, and who is it for?

B2BinPay's Business merchant service collects crypto payments for approved businesses and offers conversion and withdrawal. It makes the most sense when your payment workload justifies a managed account and some development work.

The Wallet-as-a-Service tariff is its own price list. It charges on outward wallet movements and advertises zero incoming service charges, and it doesn't replace the merchant receiving tariff.^[2]

The homepage markets the service to ecommerce, brokers, exchanges, gaming and other businesses, but that's sales positioning, not acceptance of every activity inside those categories. Before paying for an integration, be ready to explain your products, your customer countries and whether you handle anyone else's money. The processor selection guide helps you prepare that brief.

How much does B2BinPay charge for payments?

Merchant receiving charges start at 0.40% for coins and 0.50% for stablecoins and tokens, with lower published percentages at higher monthly volumes. At $10,000 of sales, those starting percentages mean $40 or $50 before other costs.^[1]

A stablecoin has its own category, so the rate depends on the asset you're paid in and the wallet that receives it.

The tariff values deposits in dollars when the blockchain confirms them. B2BinPay's El Salvador deposit guidance says a newly reached tier lasts until month-end and earlier transactions aren't recalculated, and that incoming merchant deposits pay the larger of the percentage commission and the blockchain-specific minimum.^[3] So your bill depends on the order payments arrive in and on the minimums, not just the month's total.

The calculator below shows the coin percentage only. It applies one coin band to the whole month you enter. It doesn't model a month that crosses tiers or a switch to stablecoins, and it leaves out network charges, minimum commissions, conversion and bank costs.

At a bracket boundary the estimate keeps the earlier coin band, so exactly $1 million still uses 0.40%, while B2BinPay may treat the transaction that crosses your threshold differently. The fee calculator guide explains why a whole-month estimate can differ from a bill.

What would a typical month cost?

On a $10,000 coin-payment month, $10,000 times 0.004 is $40, which leaves $9,960 before the other costs.

Because the rate is a flat percentage, order size doesn't change the coin-only fee, so the curve below is a flat line. It uses the starting coin band on a $10,000 month and leaves out minimum commissions, which can hit small payments hard.

Which extra charges could erase the saving?

Minimum commissions, conversion, bank charges and account fees all eat into the saving, and a floor hurts most on small orders.

Take the published $3 TRON minimum and a hypothetical $100-equivalent token deposit. The starting 0.50% would be $0.50, but a $3 minimum makes the commission $3, or 3% of the deposit. That assumes your account uses that minimum and dollar valuation, and it isn't a live token quote.

Outgoing crypto has a published zero service percentage, but El Salvador guidance also describes a minimum blockchain fee for TRON stablecoin withdrawals and says blockchain charges apply. So don't assume every withdrawal is free.^[4]

Your first-year budget needs more than the percentages. The Terms allow an onboarding charge with no listed price, a partial refund before activation that comes with conditions, a possible dormant-account charge and recovery costs for unsupported assets. Returns after a Payment Review can deduct the costs incurred plus charges that depend on risk. Those are contract terms, not a standard price for returning a customer's order.^[32]

Don't add the wallet-service tariff to merchant processing unless B2BinPay's documents give a reason to, and don't drop conversion costs because another product advertises none.

Can you withdraw money to your bank?

B2BinPay advertises bank withdrawal, but the minimum is large enough to rule out frequent small transfers. The fee page lists EUR and USD withdrawal minimum amounts of 5,000; bank deposits instead start at 1,000 in the labelled currency.^[1]

A shop with €4,800 available is €200 short of the euro withdrawal minimum. That's cash still waiting, not a €200 fee.

The charges below leave out conversion and any other bank or account charges.

SEPA and SWIFT are different banking networks. The tariff also labels one deposit row as USD by SEPA, which needs clarifying before you rely on it.

To create a withdrawal, the Business guide requires a merchant wallet held in a fiat currency, bank details and a user with the Owner role. Someone with the Finance role then confirms the request, and the commission is added to the withdrawn amount.^[10] For a €5,000 SEPA request the known fee is €30, so you'd need €5,030 available, before any other requirements.

Bank details need approval from B2BinPay's Compliance team, rejected details can't be used, and the AML policy says each client registers a single bank account.^[22]

The off-ramp page advertises GBP and other currencies through banks, payment providers and local routes, but it gives no complete priced country list, so don't count GBP as a verified bank currency.^[19] T+1 is the tariff's settlement label, not a promise of when your bank credits the money.

Is B2BinPay licensed, and can it serve your country?

B2BinPay publishes permission claims for two companies, one in El Salvador and one in Mauritius. Its disclosure names B2BINPAY EL SALVADOR S.A. DE C.V. and B2BINPAY MAURITIUS LTD, with references PSAD-0064 and GB24203002 respectively, and it also claims Bitcoin-service-provider status in El Salvador.^[7]

A group brand, regulator logo or reference number doesn't show that one company can provide every product in every country, so match the company on your offer to the permission for the service you need. We couldn't confirm these three claims against readable firm-specific register entries, and the table shows where each stands.

The country wording contradicts itself. The AML policy revised on 9 March 2026 clearly excludes residents and companies based in Canada and the United States. The shared footer instead describes US service limited by exemptions, leaves Canada off its shorter restricted list, and describes UK and EU service limited by exemptions too.^[6]

We wouldn't treat the more permissive footer as approval. Canadian and US applicants should see the main policy restriction as a serious barrier and get a clear written answer on whether they can lawfully be served before spending money. UK and EU applicants need to know which company, which service and what legal basis. An address elsewhere doesn't solve restrictions on owners, clients or activity.

The policy also names other restricted countries and Ukrainian regions and allows further restrictions after a risk review. Our merchant eligibility guide explains what to prepare for that review. This is general information, not legal advice.

How much verification and setup work should you expect?

Expect business checks before live payments, with development work alongside. The Business guide makes KYB mandatory for production, and until it's done you're limited to the sandbox. B2BinPay names Sumsub for verification and describes periodic renewal and further document requests.^[9]

A sandbox lets your team practise, but live approval is a different step, so ask which documents your entity and activity need, who has to complete personal checks and what's still blocking activation. The public guide gives no promise of a fixed acceptance time.

1. 
   01

   Resolve eligibility

   Find out which company would sign with you, and check your country, owners, activity and the banking you want against its rules.

2. 
   02

   Complete business checks

   Gather the company and ownership documents it asks for, and decide who handles follow-up and renewals.

3. 
   03

   Verify the integration

   Have your developer show payments, order updates, late payments, refunds and accounting working on the setup B2BinPay supports.

4. 
   04

   Confirm usable funds

   Get the receiving wallet or bank, minimum amounts, full charges and escalation process agreed before you depend on it.

An approved business isn't an approved payment: the AML policy allows later document requests, transaction investigation, blocking and suspension. Someone on your team needs to be able to answer those requests even when the developer who built the integration is away.

Who controls your funds, and what happens during a hold?

B2BinPay describes itself as a custodian, so it holds your funds and its release rules become part of your cash flow. You're still responsible for account access and staff permissions, and a dashboard balance isn't the same as cash in your own bank.

The homepage advertises no rolling reserve, meaning it says it doesn't routinely freeze a percentage of your sales. Transaction checks still happen, and a held payment isn't spendable.^[18] You'll want enough working capital outside B2BinPay to pay bills while a payment or withdrawal is being sorted out.

Its El Salvador blocked-transaction guidance describes Compliance asking for the sender's identification and a return address. Decisions are case by case, so a return may be impossible, or the payment may later be credited. The five-business-day instruction is for escalating a missing Compliance email, not a deadline for releasing money.^[5]

The Payment Review terms allow document requests and holds with no release deadline. If a reviewed payment is returned, the deductions depend on conditions in the Terms rather than the normal customer-refund tariff, so ask who handles the case, whether your other balances stay usable and what evidence the sender has to provide.

Which coins and networks can customers use?

B2BinPay advertises broad coverage, but what counts is the exact asset and network enabled for your merchant account. A Bitcoin option and a USDT option serve different customers, and a network logo doesn't mean every token on it is accepted.

The public inventory lists product, currency, blockchain, minimum deposit, confirmations and where each is available. That's the right kind of detail, but we couldn't verify a complete enabled inventory or a distinct asset count.^[12]

The processing page shows USDT and USDC on several networks, including legacy ones, and one USDT label sits beside a BUSD identifier, which needs clarifying. Don't read the exact token from an icon, and don't assume a listed legacy network still has normal issuer support.^[11]

Issuer changes matter here. Tether's 29 August 2025 update stopped direct issuance and redemption on five legacy networks, including Algorand, while keeping token transfers working instead of carrying out its earlier freeze plan.^[24] Circle stopped minting USDC on TRON in February 2024, with its announced Circle Mint transition ending in February 2025.^[25] Neither notice tells you what B2BinPay will enable or recover for your account today.

Is B2BinPay easy to integrate with your shop?

Its strongest current integration material is the Business documentation, so a small shop should budget for a developer rather than assume the old WooCommerce plugin is ready. An API can power a custom checkout, but someone still has to maintain order updates and handle exceptions.

The current overview describes version three, changed authentication and payment notifications, and different production and sandbox addresses, with the production address labelled for El Salvador. It says the previous version was deprecated with shutdown planned after December 2025, so an old integration needs a compatibility check.^[8]

WordPress.org lists B2BinPay's WooCommerce plugin as version 1.0.2, last updated seven years ago and tested up to WordPress 5.3.26, with a warning that it hasn't been tested with the latest three major WordPress releases. That's a reason to ask for current support and compatibility evidence, not proof it fails on every modern shop.^[14] If shop integration decides it for you, the CoinPayments review is worth comparing.

B2BinPay's Unresolved deposits guide explains that certain overpaid or late merchant deposits need limits adjusted and manual status handling, and it doesn't let a payment be marked paid before its requirements are met.^[20] Someone on your side has to do that work; not every payment is automatic.

The transfer documentation lists processing commission, blockchain fee and several transfer statuses as different things, and a queued transfer isn't a completed payment.^[21] Your bookkeeping should keep those differences visible.

Can you handle refunds and subscriptions?

B2BinPay advertises dashboard refunds and a recurring payment button. A customer refund, a return forced by compliance and a withdrawal to your own bank are three different movements of money.

Its payment-processing FAQ says you can initiate refunds after accepting crypto, but it doesn't give the full price for an ordinary refund, the rules for partial refunds or a deadline. You'll want to know whether a refund goes out in the payment asset or your wallet currency, how the destination is verified and who pays network costs.

The payment-button page says customers can use it for monthly or annual fees, but it doesn't say you can automatically debit a customer's external wallet.^[23] If you sell subscriptions, find out whether customers must pay each renewal themselves, how reminders work and what cuts off access after a missed payment.

The guide's regular bank withdrawal is something else: it triggers when your merchant wallet balance reaches a chosen level. That moves your own business funds and has nothing to do with collecting subscriptions.

What do support and customer reviews tell you?

They show contact options, not measured payout reliability. B2BinPay advertises 24/7 support, and its September release describes a messenger inside the account and support email notifications. It also says bank-fee details are hidden where banking is disabled for an account.^[17] So the general bank marketing may not describe what your account can do.

We haven't measured support or verified a public incident feed. An escalation path worth having covers order errors, blocked payments and bank withdrawals, with its own commitment for availability, a first reply and a resolution.

Trustpilot's profile has two reviews, both from 2021, none in the last twelve months, and it's closed to new reviews. One is positive and the other is a broker customer's complaint about a withdrawal. We couldn't read a current aggregate score, and two reviews don't show today's merchant fee or a failure rate.^[15]

Which alternatives should you compare?

For a lawful shop selling its own equipment, these three each give a different reason to look further. None is available to every merchant.

BitPay is worth a look where it onboards merchants: its country guidance currently takes US and Canadian applicants and pauses new EEA, UK and Australian onboarding.^[27] Standard pricing starts at 2% plus $0.25, with higher charges for high-risk merchants that it doesn't list, so small baskets can cost considerably more.^[26] The BitPay review and BitPay fee breakdown cover a full offer.

CoinGate may suit an eligible euro merchant who needs smaller bank withdrawals. It lists a €50 SEPA withdrawal minimum and no withdrawal service charge, alongside weekly Standard settlement and a 1% fee.^[28] Check its listed merchant countries and the assets your customers use, then see the CoinGate review and CoinGate fee guide for the other costs and limits.

NOWPayments' standard flow sends proceeds to the wallet you nominate, with a 1% same-coin service charge and network deductions on top. Conversion and fixed-rate settings are priced differently.^[30] Its terms exclude residents or citizens of the EU, UK, US and UAE, and people located or resident in Russia, so it's a candidate only where your business qualifies.^[31] The NOWPayments review and NOWPayments fee guide explain the settings and account terms.

1. 1

   CoinGate

   For an eligible shop that wants euros

   81/100

   1%
   • Smaller SEPA withdrawal minimum
   • Standard fees and settlement terms are published
   • Standard settlement is weekly, and you'd still need to check when money reaches your bank and which assets it takes.
   Read review ↗Visit site
2. 3

   BitPay

   Worth a look where it onboards merchants

   73/100

   2% + $0.25
   • Standard pricing is published
   • Lists the countries it onboards merchants from
   • The percentage plus a fixed charge per payment can be expensive on small orders.
   Read review ↗Visit site
3. 8

   NOWPayments

   Standard wallet payouts, where you're eligible

   63/100

   1%
   • Proceeds go to your own wallet
   • Same-coin and conversion fees are priced differently
   • Network deductions come on top, and its country restrictions are broad.
   Read review ↗Visit site

How should you use B2BinPay's score?

Use the score as a list of questions, then decide from your approved offer. Low processing costs can lift a provider's position even though the score doesn't price its bank charges, minimum commissions or account fees, and the factors below say nothing about uptime, support quality or whether merchants get accepted.

Our ranking methodology explains the weights and why current scores are preliminary. For B2BinPay, the unknown asset count, the register entries we couldn't confirm and the old plugin listing are all things to ask it to prove, and a score can't answer them. Choose it only if its account, checkout and payout fit your business well enough to justify the setup work.

What changed in this review?

This review treats merchant processing and wallet infrastructure as different products and puts the bank minimums beside the fee saving.

B2BinPay review FAQ

Change log: 14 October 2026: first full review of merchant fees, banking, account restrictions and setup.