Best Speed Alternatives in 2026 for Accepting Crypto Payments

Speed is a payment platform built on the Bitcoin Lightning Network. It lets merchants accept BTC and stablecoins such as USDT and USDC, and in December 2025 it announced an $8 million strategic investment from Tether and ego death capital. At the time of that announcement Tether said Speed served 1.2 million users and businesses and processed over $1.5 billion in annual payment volume. For businesses that mainly want fast Bitcoin payments, it is a natural option. But many merchants search for Speed alternatives once their needs grow: more coins, EU-friendly fiat settlement, high-volume payouts or plugins for their CMS.

This guide explains what Speed offers today, when it makes sense to compare other providers, and how to choose a gateway that fits a business serving customers in Europe, the UAE or Latin America.

What Speed offers today

According to Speed's public pricing page:

• Assets: BTC, USDT and USDC, accepted over Lightning and on-chain.

• Payment fees: 1% for payments from external wallets; 0% for payments made from Speed Wallet. Volume discounts are available on request.

• Payouts: free over Lightning, 0% for Bitcoin on-chain, and 0.2% for USDT/USDC on Ethereum, TRON, Solana and TON.

• On-ramp and off-ramp: fiat on-ramp via ACH, RTP and FedNow (US payment rails) at 0% and with no spread fee; off-ramp to USD at 0.5%.

• Licensing note: Speed's website states that its merchant service uses crypto services covered by a US Money Services Business license held by CoinX USA LLC.

None of this is a weakness for a US-focused, Bitcoin-first business. It simply shows where the product is centred: Lightning BTC, a short list of stablecoins and US fiat rails.

Why merchants look for Speed alternatives

The most common reasons we hear from businesses comparing providers:

1. Coin coverage. Customers want to pay in LTC, ETH, TON, XRP, DOGE or other popular assets, not only BTC and two stablecoins.

2. EUR settlement. European companies usually need to convert stablecoins to euros and receive them by SEPA, not USD via US rails.

3. Regulatory fit in the EU. Since MiCA, many finance teams prefer partners whose setup they can explain to their bank and auditors.

4. Mass payouts. Affiliate networks, marketplaces and remittance businesses need bulk payouts in USDT and other coins.

5. Ready-made integrations. E-commerce teams want WordPress/WooCommerce, OpenCart, Magento or Telegram-bot integrations instead of a custom build.

Speed alternatives to consider in 2026

1. PassimPay: multi-coin gateway with payouts and EUR on/off-ramp

PassimPay is a crypto payment gateway for businesses that accept and send crypto at scale. Merchants can accept 74+ coins and stablecoins, including USDT and Bitcoin, with optional auto-conversion to USDT to reduce volatility. Business fees start at 0.5%. For European companies, the fiat on/off-ramp is a B2B service that exchanges USDT and USDC to and from EUR via SEPA, arranged individually for each transaction with a dedicated manager. Ready-made CMS plugins and an API cover most e-commerce stacks, and PassimPay serves businesses in supported countries across Europe, the UAE and Latin America.

2. CoinGate

An EU-based gateway popular with e-commerce merchants, offering plugins and crypto-to-fiat settlement. See our overview of CoinGate alternatives.

3. NOWPayments

A gateway known for broad coin coverage and simple onboarding. Compare options in our NOWPayments alternatives guide.

4. BTCPay Server

An open-source, self-hosted Bitcoin payment processor with Lightning support. It gives full control but requires running and securing your own infrastructure. See BTCPay Server alternatives.

For a wider market view, see our list of top crypto payment gateway companies.

Quick comparison

Data from each provider's public website as of November 2026; check current terms before signing up.

How to choose: a checklist

• List the coins your customers actually pay with, and check each network is supported.

• Decide where you need to settle: crypto, USDT, or EUR in a European bank account.

• Compare the full cost: processing fee, payout fee, network fee and conversion spread.

• Ask how the provider stores funds and secures keys.

• Test the integration on a staging site before switching traffic.

How to switch without downtime

Run the new gateway in parallel for a few days, route a share of checkouts to it, reconcile the first payments and payouts, and then update your checkout fully. PassimPay's managers can help map your current flows and set up payouts and auto-conversion.

Ready to compare in practice? Contact our team to discuss fees, coin coverage and mass payouts with Multisender for your volumes.

FAQ

What are the best Speed bitcoin payment processor alternatives? It depends on your needs. If you want more coins, payouts and EUR settlement, a multi-coin gateway such as PassimPay is a strong fit. If you want a self-hosted Bitcoin-only setup, BTCPay Server is an option.

Does Speed support coins other than BTC, USDT and USDC? Speed's pricing page lists BTC, USDT and USDC. Businesses that need more assets usually compare multi-coin gateways.

Can I receive euros instead of crypto? With PassimPay, businesses can exchange USDT and USDC to EUR and receive it by SEPA through the on/off-ramp service.

Is a Lightning-only processor enough for an online store? For BTC-heavy audiences it can be. Most stores, however, see a large share of payments in USDT on TRON and other networks, so multi-coin support matters.

Sources

• Speed pricing page (fees, payouts, on-ramp and off-ramp, MSB licensing note)

• Speed Europe landing page

• Tether newsroom, Tether leads $8M strategic investment in Speed, 16 December 2025 (also the source for the 1.2M users and $1.5B annual volume figures)

• PassimPay pricing