For a closer look at the topic, consider bitcoin payment gateways alternatives to bitpay alongside the options and criteria discussed below.
Businesses accepting cryptocurrency payments need reliable infrastructure that handles transactions smoothly while keeping fees reasonable and customer experience seamless. BitPay has long been a familiar name in crypto payments processing, but merchants increasingly look for options offering broader coin support, lower costs, faster settlement times, or better integration flexibility. This guide covers the most practical alternatives available in 2026, comparing their strengths so you can choose what fits your operation.
NOWPayments
NOWPayments operates as a non-custodial payment processor, meaning funds go directly to your wallet without sitting in an intermediary account. The platform supports over 100 cryptocurrencies and offers both a hosted checkout page and API integration for custom implementations. Merchants pay a flat 0.5% fee per transaction with no monthly charges or setup costs.
The service includes a built-in conversion tool called Swap, allowing automatic exchange of received coins into stablecoins or other assets. This feature helps businesses avoid volatility exposure without managing separate exchange accounts. Integration works through plugins for WooCommerce, Shopify, Magento, and several other e-commerce platforms, plus REST APIs for developers building custom solutions.
Key features include:
| Feature | Specification |
|---|---|
| Supported cryptocurrencies | 100+ |
| Transaction fee | 0.5% flat |
| Settlement | Direct to merchant wallet |
| Monthly minimums | None |
| Custody model | Non-custodial |
| Auto-convert option | Yes (Swap tool) |
The non-custodial approach appeals to merchants who want full control over their funds while still providing customers with a straightforward checkout flow. Since there are no holding periods or mandatory conversions, businesses receive exactly what their customers send.
B2B Pay
B2B Pay targets business-to-business transactions specifically, offering multi-currency invoicing and payment collection tools designed for larger commercial deals. The platform supports Bitcoin, Ethereum, USDT, USDC, and several other major tokens alongside traditional payment methods.
The interface lets companies create professional invoices with embedded crypto payment links, track payment status in real time, and manage multiple currencies within a single dashboard. Settlement happens directly to connected wallets, and the platform provides detailed reporting for accounting purposes.
B2B Pay distinguishes itself through features tailored to enterprise workflows, including white-label invoicing, bulk payment processing, and dedicated account management for high-volume merchants. The fee structure scales with transaction volume, starting around 1% and decreasing as monthly processed amounts grow.
CoinGate
CoinGate provides a comprehensive payment gateway supporting more than 50 cryptocurrencies. The company offers point-of-sale terminals, e-commerce plugins, and a developer-friendly API. Standard pricing sits at 0.7% for online transactions and 1% for in-person sales, with premium plans available for higher volumes.
One notable capability is CoinGate’s Lightning Network support, enabling near-instant Bitcoin payments with minimal fees. The platform also includes a fiat on-ramp, allowing merchants to convert crypto holdings into bank deposits when desired. CoinGate holds licenses in multiple European jurisdictions, which adds compliance credibility for businesses operating within the EU.
The checkout experience supports both standard wallet addresses and QR code scanning, making it suitable for physical retail environments as well as online stores. Customer support operates around the clock across multiple languages.
BTCPay Server
BTCPay Server is a self-hosted, open-source Bitcoin payment processor that gives merchants complete independence from third-party services. Running on your own infrastructure means zero transaction fees and total control over how payments are processed, stored, and settled.
The software supports Bitcoin and Litecoin natively, with community plugins adding further cryptocurrency options. It includes invoice generation, POS terminal functionality, and funding management tools. Since you operate the server yourself, there are no approval processes, no fund holds, and no risk of a provider freezing your account.
Running BTCPay Server requires technical knowledge to set up and maintain properly. You’re responsible for server security, node synchronization, and backup procedures. However, for organizations with development resources, the cost savings and autonomy make it a compelling choice. Community documentation and support forums help reduce the learning curve.
Coinify
Coinify serves merchants across Europe with a focus on regulatory compliance and institutional-grade infrastructure. The gateway accepts Bitcoin, Ethereum, and several established altcoins, converting them to local fiat currency before settling in merchant bank accounts. This model eliminates price volatility entirely for businesses that prefer traditional revenue streams.
Integration involves connecting to Coinify’s API or using their e-commerce plugins. Onboarding requires identity verification and business documentation due to the company’s regulated status in the Netherlands and other European markets. Transaction fees range between 0.9% and 1.5%, depending on volume and negotiated terms.
Coinify’s strength lies in its compliance framework and banking relationships, making it a solid option for businesses that prioritize regulatory certainty over maximum speed or minimal fees.
Crypto.com Pay
Crypto.com Pay leverages the company’s existing cryptocurrency ecosystem to offer merchants a familiar payment solution for users already within the platform. Merchants receive settlements in USD, EUR, or select stablecoins, with automatic conversion handling volatility risk.
The integration process connects through standard payment APIs compatible with major e-commerce platforms. Crypto.com processes over 30 cryptocurrencies and offers additional perks like reduced fees for merchants using the Crypto.com card program. Fee schedules start around 1% and can decrease based on overall partnership levels with the company.
What to Consider When Switching
Choosing a Bitcoin payment gateway alternative depends on several factors specific to your business model.
Fee Structure
Transaction fees vary significantly between providers. Some charge flat rates regardless of volume, while others scale discounts based on monthly processing amounts. Non-custodial options like NOWPayments and BTCPay Server typically offer lower base fees but require more hands-on management. Custodial processors absorb some operational complexity at a higher price.
Supported Currencies
If your customer base uses diverse cryptocurrencies, broad coin support becomes essential. Platforms supporting 50 or more assets provide flexibility, while Bitcoin-only processors may limit your market reach. Lightning Network capability matters specifically for Bitcoin-focused merchants seeking fast, low-cost transactions.
Compliance and Licensing
Regulatory standing affects reliability and customer trust. Providers licensed in recognized jurisdictions face ongoing oversight, which reduces operational risk. Businesses operating in heavily regulated industries should verify that their payment processor maintains appropriate licenses in every relevant jurisdiction.
Integration Complexity
Technical teams determine how quickly you can deploy a new gateway. Self-hosted solutions demand development resources for setup and maintenance. Plugin-based integrations work within hours for standard e-commerce platforms. Custom API implementations require engineering time but offer the most flexibility for specialized requirements.
Summary Comparison
| Provider | Fee Range | Crypto Support | Custody Model | Lightning Network |
|---|---|---|---|---|
| NOWPayments | 0.5% | 100+ | Non-custodial | Partial |
| B2B Pay | ~1% (volume-dependent) | Multi-crypto | Non-custodial | No |
| CoinGate | 0.7 – 1% | 50+ | Hybrid | Yes |
| BTCPay Server | 0% (self-hosted) | Bitcoin, LTC + plugins | Self-custodied | Yes |
| Coinify | 0.9 – 1.5% | 10+ | Fiat settlement | No |
| Crypto.com Pay | ~1% | 30+ | Converted to fiat/stablecoin | No |
Each option serves different priorities. Businesses wanting simplicity with low costs and wide coin support should evaluate NOWPayments first. Teams needing full infrastructure control benefit from BTCPay Server. Companies requiring fiat settlement and heavy compliance frameworks will find Coinify and CoinGate more aligned with those needs.