Which BitPay alternative fits your business, and how do you switch?

If you're leaving BitPay, the natural alternative is another hosted crypto processor, and the move is simpler than changing card processors: there are no saved customer cards to carry over, so you mostly swap the checkout. The main candidates are CryptumPay, CoinGate, CoinPayments, NOWPayments and Cryptopay, while merchants who want no middleman at all run the free BTCPay Server themselves. Which one fits depends on what you need that BitPay didn't give you: a lower fee on small orders, lighter paperwork, or the coins and networks your customers pay with.

Six BitPay alternatives and what each one changes

These services differ in two places above all: what they charge per payment and what they ask of you before the first one. The second part, and why processors ask for it at all, is laid out in our guide to what it takes to get a crypto merchant account.

Rates below are as each service listed them in September 2026.

CryptumPay

CryptumPay charges 1% per successful payment, going down to 0.5% at higher volumes. On top of that comes a fixed transfer fee for servicing the one-time deposit address in the network the customer pays on.

The merchant decides who pays these fees. If you pass them on to the customer, the CryptumPay payment window shows them as a separate line before the customer pays, so nobody is surprised by the total.

On paperwork, an identity check of the person (KYC) may be enough at CryptumPay, without a pack of company documents. Alongside it runs a review of the project, which usually takes one business day.

CryptumPay accepts USDT on the Tron network. Every incoming payment is converted to USDT as soon as it is credited, so the amount you see on your balance doesn't drift with a coin's price.

CryptumPay offers two ways to withdraw:

• Manually, from the dashboard. You can withdraw at any time, with no minimum amount and no IP whitelist to set up.
• Automatically, via the API. This needs an IP whitelist configured for the API key: a list of the server addresses allowed to use that key.

In both cases you set the recipient address yourself, and it can be any address.

To take payments, CryptumPay offers three ways:

• Payment links. You create an invoice in the console and send the link anywhere: email, a messenger, a social profile.
• A checkout widget. A button on your site opens the checkout in a window over the page, so the customer never leaves your shop.
• An API. A developer connects CryptumPay payments to your own site or app.

If most of your customers already pay in USDT, it's worth knowing what accepting USDT on Tron really costs a business.

CoinGate

CoinGate charges 1% per transaction on its standard plan, with custom rates for larger merchants. Like BitPay, it pays out to a bank. On the standard plan the money moves like this:

• Settlements run weekly. CoinGate settles your balance automatically once a week.
• SEPA withdrawals are free. The minimum is 50 EUR per withdrawal.
• SWIFT withdrawals cost 0.5%. That route covers banks outside the Single Euro Payments Area.

CoinGate asks for documents, as BitPay does, and which ones depends on who you are:

• A company uploads its registration certificate and its articles of association.
• A sole trader without a company can verify with proof of paying taxes on the business and the latest tax return.

CoinPayments

CoinPayments takes USDT on Tron, and its own fee pages disagree on the rate. That gives you two numbers to reconcile before you move:

• One page lists 0.5% and 1%. The 0.5% applies to coins with their own blockchain, such as Bitcoin, and the 1% to tokens, which includes USDT.
• Another page lists 3%. It applies the same rate to coins and tokens alike.

Network fees come on top either way, so it is worth asking CoinPayments for your rate in writing before you compare it with anything. Taking money out of the CoinPayments wallet carries no fee of its own: you pay only the network fee that any transfer needs.

NOWPayments

NOWPayments has two rates, and network fees come on top of both:

• 1% without conversion. The payment arrives in the same currency the customer sent.
• 1.5% for everything else. That means payments with conversion, fixed-rate payments, and payments where the customer covers the fee.

NOWPayments can also work without holding your money. It offers two setups:

• Non-custodial. Payments go straight to your own wallet.
• Custody. Funds stay on NOWPayments, and network fees are combined into a single charge.

Cryptopay

Cryptopay is built, like BitPay, around paying merchants out to a bank. It settles in crypto or in fiat, with next-day settlement to a bank account, and accepts 19 cryptocurrencies, including Bitcoin, Ethereum and USDC.

Two things are worth checking before you apply:

• Where you are based. Cryptopay's gateway page says the service is not available to residents of the European Economic Area or the United States.
• What you will pay. The rate isn't listed on its site; pricing comes from the sales team after you apply.

BTCPay Server

BTCPay Server is not a company you sign up with but free, open-source software you run on your own server or a shared one. Payments go straight to your wallet, there is no processing fee, and nobody approves your account.

What you pay with instead:

• A server. Someone has to host the software, and a server of your own is a bill of its own.
• Your time. Updates, backups and repairs are on you, not on a support team.
• A Bitcoin-first design. The software is built around Bitcoin before anything else.

Whether that trade makes sense for your shop is the question behind self-hosting a crypto payment gateway versus plugging in a hosted one.

Which alternative fits what you need

Find the thing you want to change and read only that line:

• A lower fee on small orders. Below $500,000 a month BitPay takes 2% plus 25 cents, so a $20 order costs 65 cents. At CryptumPay or CoinGate the 1% rate makes it 20 cents, before network or transfer fees. At NOWPayments it is 20 cents for a payment without conversion and 30 cents for one with conversion, a fixed rate or the fee paid by the customer, plus network fees.
• Lighter paperwork. BitPay wants a registered business and ID for every owner with a stake of 25% or more. CryptumPay may need only a personal ID check plus a project review. CoinGate accepts sole traders with tax documents instead of a company registration. BTCPay Server asks for nothing, because there is no one to approve you.
• USDT on Tron. BitPay's list of networks doesn't include Tron. CryptumPay, CoinPayments and NOWPayments take USDT on Tron.
• Control over where the money ends up. CryptumPay converts each payment to USDT and lets you withdraw any amount to an address you choose. CoinGate and Cryptopay pay out to a bank account. BTCPay Server and the non-custodial mode of NOWPayments send payments straight to your own wallet.

The percentage is only part of the bill. Conversion, withdrawal and network fees can move the total further than the headline rate, especially if you convert to fiat every week. The full arithmetic, service by service, is in our comparison of ten crypto payment processors by total cost.

Can you switch from BitPay without losing payments?

Yes, and it is less work than changing a card processor. A crypto payment is sent by the customer from their own wallet each time. Nothing about your customers sits at BitPay that you would need to move, the way saved cards sit with a card processor.

So switching comes down to swapping the checkout and closing the old account in the right order. Here is a sequence that leaves no day without a way to pay:

1. Get approved by the new processor first. Open the new account and pass its checks while BitPay still takes your payments, so the shop is never left without a checkout.
2. Set up the new checkout next to the old one. Put the new plugin, button or API integration on a test page and send one small real payment through it, then withdraw that payment to see the whole path.
3. Swap every place where a customer can pay. That means the checkout on your site, invoice links in emails, payment buttons on landing pages, and any webhook your system listens to for the "paid" status.
4. Keep the BitPay account open for a few weeks. A customer who received a BitPay invoice before the switch may still pay it, and a refund on an old order is easiest to issue through the service that took the payment.
5. Collect the last payout and export your history. Once nothing is pending, settle the remaining BitPay balance and download the transaction records your accountant will need.

If this is your first time wiring a payment gateway into a site yourself, the steps from plugin to first payment are laid out in our guide to what a crypto payment gateway costs and how to connect it.

In short

BitPay suits a registered company that wants bank payouts and has the volume to bring the fee down. If you need a lower fee on small orders, lighter paperwork or USDT on Tron, one of the hosted processors above gives it to you, and the list of needs tells you which. If you want nobody between you and your customer, BTCPay Server does that at the cost of running it yourself. Whichever you pick, open the new account before you close the old one.

FAQ

Why do merchants leave BitPay?

Nobody publishes a count of why merchants leave, but BitPay's own terms show where it can pinch. The fixed 25 cents on top of the percentage weighs most on small orders, and the checks expect a registered company with every owner of 25% or more identified. BitPay also doesn't take payments on Tron, so a customer holding USDT there can't pay with it directly.

Can I switch from BitPay to CoinGate?

Yes, and the switching steps above work the same way, but check what your customers pay with first. After the EU's MiCA rules came in, CoinGate moved to USDC as its supported stablecoin and dropped USDT; on Tron it takes TRX. If your customers pay in USDT on Tron, CryptumPay accepts it and converts every incoming payment to USDT as soon as it is credited, and CoinPayments and NOWPayments take USDT on Tron as well.

Can I switch from BitPay to Cryptopay?

You can apply, but not from everywhere: Cryptopay's gateway page says the service isn't available to residents of the European Economic Area or the United States, and its help centre lists further countries and business types it won't open an account for. One thing to watch as you apply: Cryptopay and CryptumPay are separate companies with their own accounts, fees and terms. The names are close, so it's worth checking the site address before you sign up or send documents.