BitPay Alternatives 2026: Fees and Settlement Compared

The closest BitPay alternatives are CoinGate, NOWPayments, BTCPay Server, Coinremitter and Coinbase Business. CoinGate and NOWPayments publish a 1% processing fee, Coinremitter publishes 0.23%, and BTCPay Server lists 0% fees because you host it yourself. BitPay lists 2% plus 25 cents per payment below 500,000 dollars a month, so the fee gap matters most on small orders.

BitPay also lists daily fiat settlements to your bank account, a know-your-customer (KYC) and compliance program, a New York State Department of Financial Services license and fraud chargeback elimination. The table sets the published fee and settlement model of each alternative beside those. The sections after it explain what each one charges, who it fits and where it falls short of BitPay.

BitPay official site: bitpay.com

How to Choose a BitPay Alternative

Crypto payment processors take a percentage of each payment, and some add a fixed amount, so check the fixed part first. BitPay adds 25 cents to every payment, which weighs most on small orders. A 50 dollar order costs 1.25 dollars at BitPay's entry rate, which is 2.5%. The same order at a flat 1% costs 0.50 dollars.

A worked month shows the gap. Take 100 orders of 50 dollars, or 5,000 dollars in sales. BitPay's entry rate costs 125 dollars. CoinGate and NOWPayments at 1% cost 50 dollars before network fees, and CoinGate lists separate payout, refund, exchange and Society for Worldwide Interbank Financial Telecommunication (SWIFT) withdrawal fees. Coinremitter at 0.23% costs 11.50 dollars plus its fixed transaction fee each time you withdraw. BTCPay Server costs 0 dollars in processing fees, plus your own hosting and the blockchain network fees.

Order size decides which part of the fee dominates. On a 500 dollar order, BitPay's entry rate costs 10.25 dollars, or 2.05%, against 5 dollars at a flat 1%. On a 5 dollar donation, BitPay's fixed 25 cents alone is 5% of the payment, so tips and small donations favor a processor with no fixed fee.

Settlement matters as much as the fee. BitPay lists settlement in your local currency, in cryptocurrency or in any combination of the two, with fiat currencies including the USD, euro, British pound, Canadian dollar, Australian dollar, Mexican peso and New Zealand dollar. A processor that settles only in crypto leaves you to convert it and to handle the accounting.

• Small orders: compare the fixed fee per payment, not only the percentage.
• Bank settlement: check which fiat currencies and how often the processor settles.
• High-risk goods: BitPay states higher fees apply to high-risk industries, so ask any processor how it treats your category.
• Technical skill: BTCPay Server needs you to run or rent a server.

CoinGate: A Flat 1% With No Monthly Fee

CoinGate lists a Standard plan at 1% per transaction with no monthly fees. It accepts more than 10 cryptocurrencies, serves payments from more than 180 countries and includes instant fiat conversion, which it calls a volatility shield. That conversion fixes the amount you receive at the moment of payment.

The Enterprise plan has custom, volume-based rates. CoinGate lists weekly automatic settlements on Standard and weekly or on-request settlements on Enterprise, against BitPay's daily settlement. CoinGate also lists customer refunds in crypto, e-commerce plugins, an API, email invoicing and real-time reports. Refunds are issued from your CoinGate account balance, and the reports save you from accounting for crypto yourself.

CoinGate beats BitPay's entry price on small orders, since it has no fixed per-payment fee. CoinGate falls short on large volume if you rely on a published ladder: BitPay lists 1% plus 25 cents from 1,000,000 dollars a month, while CoinGate's Enterprise rates are custom. CoinGate fits a merchant with modest volume who wants a flat percentage.

NOWPayments: A 1% Start and a Long Coin List

NOWPayments lists a 1% starting fee with loyalty discounts and says the rates exclude network fees required by the blockchains. It lists more than 350 crypto coins, more than 75 fiat currencies, fiat-to-crypto and crypto-to-fiat conversion, and more than 100 crypto wallets supported, so customers can pay from the wallet they already use. It also lists zero-fee mass payouts, which let you pay many recipients without a payout fee.

The coin list is wider than BitPay's published list. BitPay's pricing page names six cryptocurrencies, a set of tokens and seven fiat currencies. A merchant whose customers pay in less common coins gains from NOWPayments' list, and one that wants only Bitcoin and stablecoins gains nothing from it.

NOWPayments does not publish its loyalty discount ladder on the page, so the final rate depends on your volume. It fits merchants that want a wide range of coins and a payout tool, and it fits less well a merchant that needs a published volume table to forecast costs.

BTCPay Server: Zero Processing Fees and You Run It

BTCPay Server calls itself a self-hosted, open-source cryptocurrency payment processor that is free and lists 0% fees with no third party. Payments go straight to your own wallet. You can self-host, deploy on cloud servers or hardware devices, or use a shared server if you are not technical.

Features include a point-of-sale app, a tipping button, payment links, crowdfunding campaigns, invoice management with exports, a built-in wallet with hardware wallet support and an API. The invoice exports feed your bookkeeping, and the built-in wallet manages incoming and outgoing funds in one place. The page cites Namecheap, which it says passed 73 million dollars in Bitcoin revenue across 1.1 million transactions.

BTCPay Server removes the processor fee but adds work. You pay for hosting, you secure the server and you handle accounting yourself. It lists no daily fiat settlement to a bank, which BitPay does. BTCPay Server fits a technical merchant who wants control and is happy to hold Bitcoin directly.

Coinremitter: Low Percentage Plus a Fixed Network Fee

Coinremitter states it charges only 0.23% processing fees from merchants while withdrawing crypto funds. Its fee table lists a 0.23% processing fee for Bitcoin, Litecoin, Bitcoin Cash and Dogecoin, plus a transaction fee of 0.0001 for Bitcoin, 0.01 for Litecoin and Bitcoin Cash, and 7 for Dogecoin.

Coinremitter offers APIs, an invoice service, a payment button widget, a payment page widget and plugins. The plugins and API let you add crypto checkout to a supported website. The fee page says deposits are free and that the transaction and processing fees apply only when you withdraw funds, manually or automatically.

On the 100-order example, Coinremitter's percentage costs 11.50 dollars, about a tenth of BitPay's 125 dollars, charged at withdrawal and not per payment. Coinremitter's fees are charged when you withdraw crypto, so the number of withdrawals you make changes the total, because each withdrawal carries the fixed fee. Its page does not list daily bank settlement in local currency, so it fits developers more than a merchant who wants fiat in a bank account.

Coinbase Business: USDC and USDT With a Login-Only Rate

Coinbase Business lets customers pay in USD Coin (USDC) or Tether (USDT). USDC arrives from any crypto wallet on Ethereum, Base, Polygon, Optimism, Avalanche or Arbitrum, and USDT is supported on the Ethereum network. Funds settle in USDC in your Coinbase Business account in seconds, and the page says stablecoin payments are final with no chargebacks.

Its fee is not public. Coinbase says it charges a fee on each completed payment and tells you to log in to see current fees. That means the price cannot be compared here. The product offers payment links, invoices, checkouts and payouts, so one account covers billing and paying vendors. You can convert the balance or set up automatic withdrawals to a bank account.

Coinbase Business suits a merchant that wants stablecoin payments and does not need Bitcoin acceptance. It lacks BitPay's published fee table, and it handles fewer assets because it accepts stablecoins only.

When BitPay Is Still the Better Fit

BitPay stays the better fit for a merchant that wants a published volume ladder and daily fiat settlement. Its fee falls from 2% to 1.5% at 500,000 dollars a month and to 1% at 1,000,000 dollars, so a high-volume merchant can forecast the cost. It lists unlimited monthly transactions and billing tools, including email invoicing, payment exception handling and a QuickBooks download file.

BitPay also states it holds a New York State Department of Financial Services license to engage in virtual currency business activity, and that it runs a compliance program. A merchant that needs a licensed counterparty should compare that against each alternative's own disclosures.

Who This Is Not For

This list is not for a merchant that needs to accept card payments, or one that needs a published rate for every processor, since Coinbase Business shows its rate only after login. It compares published merchant fees and settlement options for crypto payment processors.

What Would Change Our Answer

A change in any fee schedule would change this comparison. NOWPayments' loyalty discounts and CoinGate's enterprise rates are not published as tables, so a quote at your volume outranks any headline percentage.

Your average order size changes it too. At 500 dollars per order, BitPay's 25 cents is only 0.05 percentage points on top of 2%, and the gap with a 1% fee narrows to about 1 point.

This page lists processors and their published fees. It does not say any coin is a good investment and does not replace your accountant's view on how to book crypto revenue.

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