Best CoinPayments Alternatives in 2026 For Accepting Crypto Payments

Introduction

CoinPayments is a crypto payment gateway that allows businesses to accept digital assets through hosted invoices, APIs, ecommerce plugins, payment buttons, and point-of-sale tools. Founded in 2013, it has processed more than $50 billion in transactions for over 250,000 merchants worldwide.

CoinPayments used to be widely known for supporting more than 1,340 assets. In 2026, its current platform advertises support for 100+ cryptocurrencies accepted for payments.

Even with its broad range of payment tools, CoinPayments has several limitations for merchants that want tighter control over checkout and settlement. Its hosted invoice flow sends customers to a CoinPayments-managed page, which means less control for businesses over the payment experience. Moreover, funds are held in managed wallets by default, so merchants depend on the provider’s custody and withdrawal process rather than receiving payments directly to their own addresses.

Given the context, this article examines the best CoinPayments alternatives in 2026 based on pricing transparency, supported cryptocurrencies, custody, compliance, settlement options, integrations, and merchant support.

How We Ranked the Best CoinPayments Alternatives

We compared each CoinPayments alternative using six criteria that directly affect how businesses accept and manage crypto payments:

• Security and compliance: regulatory status, KYC/KYB requirements, transaction monitoring, and safeguards for merchant funds.
• Fees and pricing transparency: processing fees, conversion charges, network costs, fixed fees, and other expenses that may affect the final transaction cost.
• Supported cryptocurrencies: the number of assets available for merchant payments, rather than coins supported only for storage or consumer wallet services.
• Settlement options: whether merchants can receive crypto, stablecoins, EUR, USD, or other fiat currencies.
• Integrations: APIs, ecommerce plugins, hosted checkout pages, invoices, payment links, and point-of-sale tools.
• Merchant support: documentation, account management, reporting tools, payment recovery, and assistance with technical or settlement issues.

Raw coin count was not treated as the deciding factor. Most businesses need reliable support for the cryptocurrencies their customers actually use, together with predictable conversion and settlement terms. We also assessed the providers’ current merchant products rather than historical coin catalogs or features available only through personal wallets.

CoinPayments Alternatives Compared

1. PassimPay — Best Overall CoinPayments Alternative

PassimPay is the best overall CoinPayments alternative for businesses that prioritize transparent costs, compliance, and flexible settlement over the largest possible coin catalog. The platform supports 74+ cryptocurrencies, with processing fees starting at 0.5%, automatic conversion into stablecoins, and settlement options in EUR and USD. Companies can integrate PassimPay through an API or CMS plugin, while invoices, payment links, QR codes, and static wallet addresses provide simpler options for businesses without a custom checkout. The platform reports more than $4 billion processed, 7.2 million transactions per month, 99.99% uptime, and over 530 merchants.

Advantages

• Transparent pricing: Processing fees start at 0.5%, with conversion and other service costs disclosed separately rather than added through an unclear partner rate.
• EUR and USD settlement: Merchants can convert incoming crypto into stablecoins or arrange fiat settlement instead of managing volatile assets themselves.
• Clear compliance framework: PassimPay requires KYC and KYB and publishes its FINTRAC MSB registration details.
• Several integration options: Businesses can use an API, CMS plugins, invoices, payment links, QR codes, or static addresses depending on their technical resources.
• Practical asset coverage: Support for 74+ cryptocurrencies covers major coins, stablecoins, and commonly used blockchain networks without requiring merchants to manage hundreds of low-volume assets.

Drawbacks

• PassimPay supports fewer cryptocurrencies than NOWPayments and fewer than the historical CoinPayments catalog.
• The platform uses a managed custody model, so it is not suitable for merchants that require payments to settle directly into self-controlled wallets.
• KYC and KYB are mandatory, which excludes companies specifically looking for anonymous or document-free processing.

PassimPay is well suited to ecommerce companies, SaaS platforms, marketplaces, and international merchants that need predictable processing costs and the option to settle crypto revenue in stablecoins or fiat.

2. CoinPayments — Best for Existing Integrations and POS Tools

CoinPayments remains a relevant option for merchants that already use its infrastructure or need a combination of hosted invoices, ecommerce plugins, payment buttons, APIs, and point-of-sale tools. The current platform supports 30+ cryptocurrencies for payments, although CoinPayments was historically known for a much larger catalog of more than 1,340 assets.

The provider charges 0.5% for payments made with native coins and 1% for tokens. Network fees apply when funds are transferred on-chain, while crypto conversions may include a conversion partner fee in addition to the relevant network cost.

Advantages

• Established operating history: CoinPayments has provided crypto payment services since 2013 and has processed more than $50 billion for over 250,000 merchants.
• Broad merchant toolkit: Its products include hosted invoices, payment buttons, ecommerce plugins, APIs, wallets, and POS functionality.
• Quick hosted setup: Merchants can issue an invoice and let CoinPayments manage currency selection, blockchain confirmations, refunds, and payment-status webhooks.
• Custom integration options: Businesses that need more control can use the API instead of relying entirely on the hosted invoice flow.
• External forwarding: Although payments enter managed wallets by default, merchants can configure transfers to external addresses.

Drawbacks

• Less predictable total costs: The base processing fee does not always represent the final cost because token, network, conversion, and partner fees may also apply.
• Limited control with hosted invoices: Customers complete the payment on a CoinPayments-managed page, which reduces the merchant’s control over branding and checkout UX.
• Custodial processing by default: Merchants depend on CoinPayments for wallet management and withdrawals until funds are forwarded externally.
• Mandatory verification: Personal and business verification is required to access and fully use merchant services.
• Smaller current coin catalog: The number of assets available through the current payment platform is substantially lower than the 1,340+ figure still associated with the company.

CoinPayments is most suitable for existing users, physical retailers that need POS tools, and merchants that prefer a provider-hosted payment flow over building and maintaining a custom crypto checkout.

3. BitPay — Best for US Enterprise Merchants

BitPay is a strong CoinPayments alternative for established merchants that prioritize automatic settlement, regulatory infrastructure, and support for high transaction volumes. The gateway supports 100+ cryptocurrencies across six networks and can settle payments directly to a bank account, so businesses do not need to hold crypto themselves.

BitPay uses volume-based pricing. Merchants processing less than $500,000 per month pay 2% plus $0.25 per transaction. The rate falls to 1.5% plus $0.25 between $500,000 and $999,999 and to 1% plus $0.25 at monthly volumes of $1 million or more. Higher fees may apply to high-risk industries.

Advantages

• Automatic daily settlement: BitPay processes merchant settlements every business day and supports both fiat and cryptocurrency payouts.
• Flexible settlement allocation: Businesses can receive 100% fiat, 100% crypto, or divide settlement between one fiat currency and one cryptocurrency.
• Broad payment coverage: Customers can pay with 100+ cryptocurrencies through more than 100 supported wallets.
• Enterprise-ready integrations: BitPay provides hosted checkout, payment buttons, REST APIs, code libraries, and plugins for platforms including Shopify, WooCommerce, Magento, and BigCommerce.
• Established regulatory position: BitPay is licensed by the New York State Department of Financial Services to conduct virtual currency business activity.

Drawbacks

• Higher costs at lower volumes: The 2% plus $0.25 entry rate is considerably higher than the starting fees published by PassimPay, CoinPayments, CoinGate, and NOWPayments.
• Fixed transaction charge: The additional $0.25 makes BitPay less cost-effective for businesses processing large numbers of low-value payments.
• Managed processing model: Payments are handled by BitPay until settlement, so the service does not provide the same direct wallet flow as a non-custodial gateway.
• Full business verification: Merchants must provide company, ownership, website, industry, and settlement information before receiving higher processing limits.

BitPay is best suited to US enterprises and high-volume international merchants that value daily fiat settlement more than the lowest possible entry-level fee. Its pricing becomes more competitive once monthly payment volume reaches $1 million.

4. CoinGate — Best for EU Merchants

CoinGate is a practical CoinPayments alternative for European companies that prioritize regulatory clarity and fiat settlement. Its standard plan charges 1% per transaction with no monthly fee and supports 10+ cryptocurrencies, while enterprise merchants can request volume-based pricing.

The company obtained both a MiCA license and a Payment Institution license in Lithuania in 2025. Merchants can accept crypto and settle into EUR, USD, GBP, stablecoins, or supported cryptocurrencies, depending on their account and location.

Advantages

• EU regulatory framework: CoinGate operates under MiCA and Payment Institution licenses, giving European merchants a clearly stated regulatory basis for crypto processing and fiat settlement.
• Simple standard pricing: The standard plan charges a published 1% processing fee without setup or monthly charges.
• Fiat settlement: Incoming cryptocurrency can be converted and transferred to a merchant bank account in EUR, USD, or GBP.
• Several integration methods: CoinGate supports ecommerce plugins, APIs, payment channels, email invoices, and dashboard-based payment tools.
• Refund functionality: Merchants can issue full or partial crypto refunds from their CoinGate balance.
• Enterprise pricing: Higher-volume companies can negotiate custom rates and on-demand automatic settlement.

Drawbacks

• Limited asset selection: Support for 10+ payment cryptocurrencies is narrower than the current CoinPayments offering and significantly below PassimPay, BitPay, and NOWPayments.
• Custodial account structure: Crypto settlements first appear in the merchant’s CoinGate balance, so businesses rely on the provider until funds are withdrawn or transferred.
• Mandatory business verification: The regulated setup requires merchant onboarding and compliance checks, making CoinGate unsuitable for companies seeking anonymous processing.
• Standard settlement schedule: Regular fiat settlement is available on the standard plan, while on-demand settlement is reserved for certain plans or enterprise arrangements.

CoinGate is most relevant to ecommerce companies, SaaS providers, marketplaces, and other EU merchants that value MiCA-regulated processing and bank settlement more than extensive altcoin coverage.

5. NOWPayments — Best for Altcoin Coverage

NOWPayments is the strongest option in this comparison for businesses that want customers to pay with a wide range of digital assets. The gateway supports 350+ cryptocurrencies and provides APIs, ecommerce plugins, invoices, payment links, recurring payments, point-of-sale tools, and mass payouts.

The standard service fee is 0.5% when the merchant receives the same cryptocurrency used by the customer. Multi-currency payments, fixed-rate payments, and transactions involving automatic exchange carry a 1% service fee, while blockchain network fees may also apply.

Advantages

• Extensive cryptocurrency support: More than 350 supported assets make NOWPayments suitable for merchants serving communities built around specific altcoins or blockchain ecosystems.
• Competitive mono-currency fee: Payments that do not require exchange carry a 0.5% service fee.
• Custodial and non-custodial options: Merchants can manage funds through NOWPayments balances or configure payments to be sent to an external payout wallet.
• Automatic conversion: Businesses can accept multiple cryptocurrencies while settling them into a selected crypto asset or stablecoin.
• Wide integration coverage: Available tools include an API, CMS plugins, invoices, subscriptions, payment buttons, POS, white-label checkout, and mass payouts.
• Lower withdrawal frequency: Merchants using custody can combine funds before withdrawing them, potentially reducing the number of separate network fees.

Drawbacks

• The 0.5% rate does not cover every payment flow: The service fee rises to 1% for automatic conversion, fixed-rate payments, and several other transaction types.
• Network fees remain variable: Non-custodial processing can involve multiple blockchain transfers before funds reach the merchant’s wallet, which may increase the total cost on expensive networks.
• New accounts use custody by default: As of May 2026, new accounts without a connected payout wallet receive funds into NOWPayments custody balances. Merchants must add a payout wallet and disable custodial processing to receive incoming funds directly.
• Broad coin support adds management work: Accepting hundreds of assets can create additional treasury, accounting, and liquidity considerations unless automatic conversion is enabled.

NOWPayments is best suited to crypto-native businesses, online communities, gaming platforms, and merchants whose customers genuinely use a broad range of altcoins. Businesses that primarily accept major coins and stablecoins may find greater value in clearer fiat settlement or a more explicit regulatory framework.

FAQ

What is the best alternative to CoinPayments?

The best CoinPayments alternative for most businesses could be PassimPay. It supports 74+ cryptocurrencies, fees starting at 0.5%, provides automatic stablecoin conversion and EUR or USD settlement, and operates through a FINTRAC-registered Canadian MSB. BitPay may suit US enterprises better, CoinGate is stronger for EU-focused compliance, and NOWPayments offers broader altcoin coverage.

Why do businesses look for a CoinPayments alternative?

Businesses often compare CoinPayments alternatives because they want greater control over checkout, custody, settlement, or total processing costs. CoinPayments uses managed wallets by default, its hosted invoice redirects customers to a provider-controlled page, and network or conversion fees can increase the final cost beyond the headline processing rate.

Is there a CoinPayments alternative with lower or more transparent fees?

PassimPay offers a more predictable fee structure, with processing starting at 0.5% and no hidden fees. This is not necessarily lower than CoinPayments’ 0.5% fee for native coins, but CoinPayments charges 1% for tokens and may add network and conversion costs depending on the transaction.

Does CoinPayments offer fiat settlement?

CoinPayments has historically offered fiat settlement through third-party partners. However, its April 2025 integration guide for the new platform lists fiat settlement as “TBD,” so merchants should confirm current currency, country, fee, and availability details directly with CoinPayments before relying on bank payouts.

Is PassimPay a good alternative to CoinPayments for ecommerce?

PassimPay is a practical CoinPayments alternative for ecommerce businesses that need APIs, CMS plugins, payment links, invoices, QR codes, and static payment addresses. It also allows merchants to accept 74+ cryptocurrencies while converting incoming payments into stablecoins or arranging settlement in EUR or USD.

What do users on Reddit say about CoinPayments alternatives?

Reddit feedback on CoinPayments is mixed. Some users report completing payments or using the gateway without problems, while others describe difficulties involving underpayments, refund network fees, delayed confirmations, and support responses. These reports are anecdotal and often refer to older versions of the service, so businesses should use them to identify issues to test rather than as a substitute for current documentation.

Final Words

PassimPay could be the best CoinPayments alternative for most businesses in 2026 because it combines fees starting at 0.5%, support for 74+ cryptocurrencies, FINTRAC MSB registration, and settlement options in stablecoins, EUR, and USD. Its asset list is smaller than the historical CoinPayments catalog and NOWPayments’ current offering, but it covers the major cryptocurrencies most merchants are likely to receive.

The final choice depends on the merchant’s priorities. BitPay is better positioned for high-volume US enterprises, CoinGate offers a clearer EU regulatory framework, and NOWPayments fits businesses that genuinely need hundreds of altcoins. CoinPayments remains relevant for existing integrations and POS use, but merchants seeking more predictable settlement and pricing may find PassimPay a stronger overall fit.