What's a good Cryptomus alternative, and how do you switch to it?

Leaving Cryptomus means replacing one job: a service that shows your customer a crypto invoice, spots the payment on the blockchain and credits it to your balance. Hosted gateways such as CryptumPay, NOWPayments, CoinGate and BitPay do that job for a percentage of each payment, and the open-source BTCPay Server does it for free on a server you run yourself. Which alternative fits depends on why you're leaving and where the money has to end up: in crypto you withdraw yourself, or in euros and dollars in a bank account.

Start with the reason you're leaving

The reason you're switching tells you what to check first in the replacement. Here are four reasons and what each one points to:

• Trust. On 16 October 2025 Canada's financial intelligence agency, FINTRAC, imposed a penalty of C$176,960,190 on Xeltox Enterprises Ltd., the company operating as Cryptomus, for what it found to be breaches of Canada's anti-money-laundering law. The company has appealed to Canada's Federal Court. If that news made you uneasy about leaving money on a balance, look first at how quickly and freely a new gateway lets you withdraw.
• Price. A percentage that looks low on a homepage can grow once you add a fixed fee per payment or a separate charge for paying out. The only fair comparison is the full cost of one typical payment at your volume.
• Where the money lands. If you need euros or dollars in a bank account rather than coins, you need a gateway that converts payments and sends them to a bank.
• Control. If you'd rather no company held your money at all, even for an hour, the answer is a self-hosted tool, not another gateway.

Some merchants came to crypto in the first place because card processors turned their industry away. If that's your story, it's worth knowing what the card route costs before you rely on crypto alone, and which high-risk payment processors take such businesses and what they charge.

What to compare before you pick a replacement

Every crypto payment gateway on this page will take a payment and show it in a dashboard. They differ in the details that decide what you actually keep and how fast you get it. Five checks cover most of it:

• The full price of one payment. Add the percentage, any fixed fee per payment and any fee for withdrawing. On a $20 order, a rate of 2% plus $0.25 costs $0.65, which is 3.25% of the order, while a flat 1% costs $0.20.
• Withdrawals. Ask when you can take the money out, whether there is a minimum and whether you choose the address it goes to. A low fee is worth little if your balance sits until it reaches a threshold.
• The coins and networks your customers use. If they pay in USDT on the Tron network, a blockchain where USDT transfers are cheap and fast, the gateway has to accept USDT on exactly that network. USDT sent on a network the gateway doesn't support never reaches your balance.
• How the payment reaches the customer. A shop needs a plugin or a checkout button, a freelancer needs a payment link to drop into a chat, and a bot or an app needs an API, the interface a developer uses to create invoices from code.
• Verification. Find out which documents the gateway asks for, how long the review takes and whether you can withdraw before it is done.

Those five checks are enough to narrow the list. If you're choosing a gateway for the first time rather than replacing one, it's worth going through support, refunds and integration as well, the way a guide on how to choose a crypto payment gateway for your business does.

The alternatives, one by one

Five services cover the realistic choices: four hosted gateways and one tool you run yourself. Fees are as each service lists them in October 2026.

CryptumPay: crypto payments with withdrawals whenever you want

CryptumPay charges 1% per successful payment, and the rate goes down to 0.5% at higher volumes. You can also pass the fee on to your customer instead of paying it yourself.

Withdrawals at CryptumPay work at any time and have no minimum amount. You choose the recipient address, and it can be any address. There are two ways to withdraw:

• Manually from the dashboard. No IP whitelist and no waiting.
• Through the API. For automated payouts; this mode requires an IP whitelist tied to the API key, so only your own servers can send the request.

CryptumPay gives you three ways to take a payment:

• Payment links. The invoice is created in the console, and the link can be sent anywhere, from an email to a chat.
• A checkout widget. A button on your site opens the checkout in a window over the page.
• The API. A developer creates invoices from your own code, for a bot, an app or a custom store.

Customers can pay CryptumPay in several coins, and each customer picks the coin and the network themselves in the checkout window:

• USDT on several networks. Tron is one of them.
• Other coins. BTC, ETH, TRX, BNB, SOL, POL, XRP, Gram (the coin of the TON network) and more.

An identity check, known as KYC, is mandatory at CryptumPay for every merchant, and without it withdrawals are not possible. An identity check may be enough, without a pack of company documents. Alongside it CryptumPay reviews the project itself, usually within one business day. If you were hoping to skip verification altogether, whether any gateway lets you accept crypto payments without KYC is a question with its own trade-offs.

The review does not stop you from selling while it runs. At CryptumPay you can issue an invoice and accept a payment before the review is finished; that payment is credited to your balance after the project review and waits until then.

NOWPayments: the longest list of coins

NOWPayments lists a 1% service fee and says merchants with larger monthly volume can get lower rates. It accepts more than 300 cryptocurrencies.

That breadth matters if your customers pay in many different coins, not just Bitcoin and USDT. If almost everyone pays in one stablecoin, the length of the list changes little for you.

CoinGate: crypto in, euros in the bank

CoinGate's standard plan charges 1% per transaction with no monthly fee. Its strength is the way out: CoinGate can convert payments into fiat money and send them to your bank account on a regular schedule. The bank transfer goes one of two ways:

• SEPA, the European bank transfer. For payouts in euros.
• SWIFT, the international bank transfer. For payouts in euros, pounds or dollars.

A few other CoinGate prices matter for a switch:

• Withdrawals in crypto or by SEPA. Free, with a 50 EUR minimum.
• Crypto payouts to other people. 0.50 EUR plus 0.5%, or 0.50 EUR plus 1.5% with conversion.
• Settlements. Automatic and weekly on the standard plan.

CoinGate asks for KYC/KYB verification, a check of both the person and the company, when you register a business account. It lists ready plugins for WooCommerce, PrestaShop, Wix, WHMCS and OpenCart.

BitPay: volume-based pricing and settlement to a bank

BitPay prices by monthly volume, and every tier adds $0.25 per transaction:

• Under $500,000 a month. 2% plus $0.25.
• $500,000 to $999,999 a month. 1.5% plus $0.25.
• $1,000,000 a month or more. 1% plus $0.25.

BitPay notes that higher fees apply to high-risk industries. You can settle in fiat money straight to your bank, in crypto, or in a mix of both.

The fixed $0.25 is what to watch. On a $1,000 payment it barely shows; on a $10 payment in the under-$500,000 tier the total fee comes to $0.45, or 4.5% of the order.

BTCPay Server: open source, no fees, no middleman

BTCPay Server is free, open-source software, which means its code is public and anyone can run it. It charges no fees, and payments arrive straight in your own wallet, so no company ever holds your money.

The price is paid in work instead. You either deploy BTCPay Server on a cloud server or a device of your own, or use a shared server someone else runs. Installing updates and keeping the server safe is your job. BTCPay Server is built around Bitcoin, so if most of your customers pay in USDT, check whether a plugin covers their coin and network before you commit.

For a business with a developer on hand, that trade can pay off. Whether it pays off for yours, with server bills and upkeep set against fees saved, is the question behind self-hosting a crypto payment gateway versus plugging in a hosted one.

Which Cryptomus alternative fits your business

With the five laid out, the choice usually follows from what kind of business you run. Here is how the options line up:

• You sell digital goods, services or subscriptions, and customers pay in USDT. CryptumPay and NOWPayments both list a 1% rate. At CryptumPay you withdraw at any time with no minimum; NOWPayments covers a longer tail of coins if some customers pay in something else.
• You need euros, pounds or dollars in a bank account. CoinGate and BitPay both convert payments and settle to a bank. Before withdrawal fees, CoinGate's 1% is lower than any BitPay tier; BitPay lets you settle in fiat, crypto or a mix of both.
• You're an enterprise with high monthly volume. CryptumPay's rate goes down to 0.5% at higher volumes. BitPay drops to 1% plus $0.25 from $1,000,000 a month, and CoinGate's Enterprise plan sets prices individually by volume.
• You want open source and no middleman. BTCPay Server is the open-source option: free, self-hosted and paid for with your own time.

A cloud-based or hosted alternative is any of the first four: the provider runs the servers, you sign up and connect. BTCPay Server is the one you operate yourself.

How to switch from Cryptomus without losing payments

The risky part of a switch is not the new gateway but the gap between the two: a customer pays an old invoice, or a saved link still points to the old account. Go in this order:

1. Open the new account and start verification first. Verification is the slowest step, so it should run while you do everything else. At CryptumPay you can already issue invoices and accept payments during the project review; they are credited once it is done.
2. Make one real test payment. Pay a small amount from your own wallet on the network your customers use, watch it appear on the new balance, then withdraw it to check the whole round trip.
3. Swap the payment method where customers pay. On a store, replace the plugin or the checkout button and enter the new gateway's keys. In a Telegram bot, the swap happens in the bot's code, the same way as connecting a crypto payment gateway to a Telegram bot from scratch.
4. Replace every saved payment link. Old links hide in email templates, invoices you've already sent, social media bios and pinned chat messages. A regular customer who tops up through a saved deposit address needs the new one from you directly.
5. Keep the old Cryptomus account open while invoices are still open. A customer who opened a Cryptomus invoice an hour ago may still pay it. Watch the old account for late payments until no open invoices remain.
6. Withdraw what's left from Cryptomus last. Once the last old invoice is closed, move the remaining balance to your own wallet or the new gateway and only then close the account.

Keeping both accounts open for a few days protects you from the one mistake that is hard to undo: a payment sent to an account you've stopped watching.

The short version

A Cryptomus alternative is chosen by where you want the money to end up, and the list of business types above turns that into a name. Whichever you pick, price one typical payment in full and check how withdrawals work before you sign up. Then switch in order, with verification first and the old account closed last.

Questions people ask next

Is a cloud-based Cryptomus alternative the same as a hosted gateway?

Yes. A cloud-based gateway is one where the provider runs the servers and you simply sign up and connect it to your site. CryptumPay, NOWPayments, CoinGate and BitPay all work this way. BTCPay Server is the exception: even on a rented cloud server, you are the one operating it.

Which alternative is quickest to put on a website?

It depends on how your site is built. CryptumPay's payment links need no code at all, and its checkout widget adds a button that opens the checkout in a window over your page. If your store runs on WooCommerce, PrestaShop or Wix, a gateway with a ready plugin for that platform, such as CoinGate, takes a few settings instead of development work.

Can I trust Reddit threads when choosing a replacement?

They are useful for real stories about support and withdrawals, which no pricing page will tell you. Check two things before acting on a recommendation: the date of the post, since fees and terms change, and whether the tool being recommended is a payment gateway at all, rather than a wallet or an exchange. Then confirm the price on the provider's own pricing page.

This article is general information, not legal advice.