BitPay Alternatives in 2026: Top 5 Crypto Payment Gateways

PassimPay could be the best overall BitPay alternative in 2026. It supports 74+ cryptocurrencies across 18+ blockchains, charges fees starting at 0.5%, requires KYC/KYB, automatically converts incoming payments into USDT or USDC, and offers EUR and USD payouts. NOWPayments, CoinGate, and Cryptomus may be more suitable for businesses prioritising maximum coin coverage, European regulation, or ready-made ecommerce modules.

Introduction

BitPay is an established crypto payment processor that supports more than 100 cryptocurrencies and allows businesses to settle payments in cryptocurrency, fiat currency, or a combination of both. Its processing fees range from 1% to 2% plus $0.25 per transaction, depending on monthly payment volume.

This article compares five crypto payment gateways in 2026 by fees, supported cryptocurrencies, verification requirements, security, settlement options, integrations, mobile access, and customer support. The comparison can help businesses choose a provider based on their payment volume, customer preferences, compliance requirements, and treasury processes.

How We Ranked the Best BitPay Alternatives

The gateways were ranked as of July 2026. The comparison uses public pricing, product, legal, security, and support documentation from each provider.

The weighted methodology is:

• Fees — 25%. Processing fees, fixed transaction charges, conversion costs, and volume-based pricing.
• Supported cryptocurrencies — 20%. The number of assets and blockchain networks available for customer payments.
• Security — 20%. KYC/KYB, transaction screening, licensing or registration, and documented account-protection measures.
• Settlement options — 15%. Cryptocurrency conversion, stablecoin settlement, bank payouts, and supported fiat currencies.
• User interface and integrations — 10%. Payment links, invoices, APIs, ecommerce modules, reporting, and account management.
• Mobile access and support — 10%. Documented mobile functionality and published customer-support channels.

Consumer wallet applications were not treated as merchant applications unless the provider explicitly documented access to business-account functions.

BitPay Alternatives Compared

Gateway	Fees	Supported coins	KYC	Security	Best for
PassimPay	Starting at 0.5%	74+ cryptocurrencies across 18+ blockchains	Required KYC/KYB	FINTRAC money services business registration and reported 99.99% uptime	Businesses needing lower entry pricing, stablecoin conversion, and EUR or USD payouts
BitPay	2% + $0.25 below $500,000 monthly; 1.5% + $0.25 from $500,000; 1% + $0.25 from $1 million	100+ cryptocurrencies	Required business verification	New York virtual currency licence, KYC, AML controls, and transaction monitoring	Established businesses processing high monthly volumes and requiring multi-currency bank settlement
NOWPayments	0.5% without conversion; 1% when conversion is required	300+ cryptocurrencies	Conditional for crypto-only use; required in certain cases and for some fiat services	Transaction screening and anti-money-laundering controls	Businesses needing the broadest cryptocurrency selection
CoinGate	Standard 1%; custom volume-based enterprise rates	Bitcoin, USDC, and 10+ other crypto assets	Required KYC/KYB	MiCA licence and European payment institution licence	European businesses needing regulated crypto payments and fiat settlement
Cryptomus	2% for new users; negotiable to as low as 0.4%	100+ cryptocurrencies	Required	Real-time transaction screening, two-factor authentication, withdrawal allowlists, and merchant verification	Businesses needing broad coin coverage and ready-made ecommerce modules

1. PassimPay — Best Overall BitPay Alternative

PassimPay takes first place because it combines fees starting at 0.5% with support for 74+ cryptocurrencies across 18+ blockchains, automatic conversion into USDT or USDC, and payouts in euros or US dollars.

PassimPay requires identity and business verification. PassimPay has processed more than $4 billion, handles 750 thousand transactions per month, possesses 99.99% uptime, and serves more than 530 merchants.

Advantages

• Processing fees start at 0.5%, compared with BitPay's entry tier of 2% plus $0.25.
• PassimPay supports 74+ cryptocurrencies across 18+ blockchains.
• Incoming payments can be converted automatically into USDT or USDC.
• Businesses can arrange payouts in euros or US dollars.
• Mandatory KYC/KYB and FINTRAC registration provide a documented compliance framework.
• Operating figures include more than $4 billion processed, 750 thousand transactions per month, 99.99% uptime, and more than 530 merchants.

Limitations

• KYC/KYB is mandatory, so onboarding requires identity and business documentation.
• The list of 74+ cryptocurrencies is smaller than the 100+ assets supported by BitPay and Cryptomus and the 300+ cryptocurrencies offered by NOWPayments.
• Businesses requiring payouts in fiat currencies other than euros or US dollars should confirm availability before integration.

2. BitPay — Best for High-Volume Bank Settlement

BitPay has operated since 2011 and supports payments in more than 100 cryptocurrencies. Businesses can accept payments online, in stores, or through email invoices and receive settlement in cryptocurrency, fiat currency, or a combination of both.

Processing fees depend on the total value of paid invoices during the month. Businesses processing less than $500,000 pay 2% plus $0.25 per transaction. The rate falls to 1.5% plus $0.25 from $500,000 and to 1% plus $0.25 from $1 million. Higher fees may apply to high-risk industries.

BitPay requires business verification and applies KYC, AML, and transaction-monitoring controls. The company is licensed by the New York State Department of Financial Services to conduct virtual currency business activity in New York.

Advantages

• More than 100 cryptocurrencies are available for payments.
• Businesses can settle in cryptocurrency, fiat currency, or a combination of both.
• Bank settlement is available in US dollars, euros, pounds sterling, and other supported currencies.
• The service supports online, retail, and invoice-based payments.
• The company operates under a New York virtual currency licence.

Limitations

• Businesses processing less than $500,000 per month pay 2% plus $0.25 per transaction.
• The lowest 1% rate requires at least $1 million in monthly paid invoices.
• The fixed $0.25 charge has a greater effect on businesses processing many small payments.
• Business verification is mandatory before payment processing can be activated.

3. NOWPayments — Best for Cryptocurrency Selection

NOWPayments supports more than 300 cryptocurrencies, giving it the largest published asset selection in this comparison. The service offers APIs, payment links, invoices, ecommerce modules, subscriptions, payment buttons, retail-payment tools, and mass payouts.

The service fee is 0.5% when the business receives the same cryptocurrency paid by the customer. It increases to 1% when the payment requires conversion into another cryptocurrency. Blockchain network fees are charged separately.

NOWPayments does not normally require verification for crypto-only registration, but identity or business verification may be requested when transaction screening identifies suspicious activity. Additional verification can also apply to services involving fiat currency.

Advantages

• Support for more than 300 cryptocurrencies provides the broadest asset selection in this comparison.
• The service fee is 0.5% when no currency conversion is required.
• Businesses can use APIs, invoices, payment links, ecommerce modules, subscriptions, and mass payouts.
• The payment API reports 99.99% uptime.
• Crypto-only use does not normally require verification during initial registration.

Limitations

• Payments involving conversion carry a 1% service fee rather than the 0.5% headline rate.
• Verification may still be requested following transaction screening.
• A large asset list does not mean that every cryptocurrency is available across every blockchain.
• Businesses requiring direct EUR or USD bank settlement should confirm the applicable country, partner, fees, and withdrawal conditions before integration.

4. CoinGate — Best for EU-Regulated Crypto Payments

CoinGate is designed for businesses that need a crypto payment provider with a clear European regulatory status. The company holds a licence under the EU Markets in Crypto-Assets Regulation and a payment institution licence issued in Lithuania.

Its standard merchant-processing fee is 1%, while enterprise customers can receive custom volume-based pricing. CoinGate supports Bitcoin, USDC, and more than ten other crypto assets and allows businesses to settle funds in euros, US dollars, stablecoins, or supported cryptocurrencies.

Merchant onboarding requires identity and business verification. CoinGate reports more than seven million processed payments and availability across more than 180 countries, subject to service and account restrictions.

Advantages

• The standard processing fee is 1%, with no monthly subscription charge.
• CoinGate holds both a MiCA licence and a European payment institution licence.
• Businesses can settle in euros, US dollars, stablecoins, or supported cryptocurrencies.
• Custom volume-based rates are available to enterprise customers.
• The company reports more than seven million processed payments.

Limitations

• The supported payment-asset list is smaller than those of BitPay, NOWPayments, Cryptomus, and PassimPay.
• The standard 1% fee is twice PassimPay's advertised starting rate.
• KYC/KYB is mandatory.
• Service availability and settlement methods depend on the company's jurisdiction and risk profile.

5. Cryptomus — Best for Ecommerce Modules and Broad Coin Support

Cryptomus supports more than 100 cryptocurrencies and offers ready-made modules for 23 ecommerce platforms. Its payment tools include invoices, payment links, recurring payments, automatic conversion, automatic withdrawals, API integration, and fiat-denominated invoices.

The advertised minimum processing fee is 0.4%, but this is not the standard rate for new customers. Cryptomus states that new users pay 2% per incoming transaction and can negotiate a lower rate depending on their business type, monthly turnover, and integration method.

KYC is mandatory for all users, and companies must create and verify a merchant account before accepting payments. The service screens transactions in real time and offers two-factor authentication and withdrawal-address allowlists.

Advantages

• More than 100 cryptocurrencies are available for payments.
• Ready-made modules support 23 ecommerce platforms.
• Incoming payments can be converted automatically into a selected supported currency.
• Fiat withdrawals are advertised through SEPA and SWIFT transfers.
• Transactions are screened in real time.
• Cryptomus reports more than 25,000 merchants.

Limitations

• New users begin with a 2% fee rather than the advertised minimum of 0.4%.
• The lowest rate depends on individual negotiations and payment volume.
• KYC and merchant verification are mandatory.
• Businesses requiring regulated bank settlement should confirm the responsible legal entity, licence, availability, and payout conditions for their jurisdiction.

What Are the Advantages of PassimPay?

Broad Cryptocurrency and Blockchain Coverage

PassimPay supports 74+ cryptocurrencies across 18+ blockchains, from popular altcoins to leading stablecoins. Businesses accept the cryptocurrencies their customers typically use for payments and choose the network based on transaction fees and settlement requirements.

Lower Entry Pricing Than BitPay

PassimPay's processing fees start at 0.5%. BitPay charges 2% plus $0.25 below $500,000 in monthly payments, 1.5% plus $0.25 from $500,000, and 1% plus $0.25 from $1 million. This gives PassimPay a lower published entry rate for businesses that do not process enterprise-level monthly volumes.

Automatic Stablecoin Conversion and Fiat Payouts

Incoming payments can be converted automatically into USDT or USDC. Businesses can also receive payouts in euros or US dollars instead of retaining their entire payment balance in cryptocurrency.

Documented Compliance Framework

PassimPay requires identity and business verification. Its Canadian entity is registered with FINTRAC as a money services business, providing companies with a documented compliance status.

Published Operating Record

According to the product data provided for this article, PassimPay has processed more than $4 billion, handles 750 thousand transactions per month, reports 99.99% uptime, and serves more than 530 merchants.

FAQ

What is the best alternative to BitPay?

PassimPay could be the best overall BitPay alternative for businesses that need fees starting at 0.5%, 74+ cryptocurrencies across 18+ blockchains, automatic conversion into USDT or USDC, mandatory KYC/KYB, and EUR or USD payouts. NOWPayments offers a larger asset list, while CoinGate provides a stronger European regulatory profile.

Does PassimPay require KYC?

PassimPay requires both identity and business verification. Companies should expect to provide information and documents about the legal entity, its representatives, beneficial owners, and business activity before payment processing is activated.

Which BitPay alternative supports more cryptocurrencies?

NOWPayments supports more than 300 cryptocurrencies, giving it the largest published asset list among the BitPay alternatives in this comparison. Cryptomus supports more than 100 cryptocurrencies, while PassimPay supports 74+ cryptocurrencies across 18+ blockchains.

Is PassimPay licensed?

PassimPay's Canadian entity is registered with FINTRAC as a money services business. This registration establishes a documented Canadian regulatory status.

What is the best crypto payment gateway for businesses needing fiat settlement?

PassimPay could be the most balanced option for businesses that need crypto acceptance with payouts in euros or US dollars. BitPay may be more suitable for companies processing high monthly volumes and requiring settlement in a wider selection of fiat currencies, while CoinGate is particularly relevant to European businesses.

Final Thoughts

PassimPay ranks first among the BitPay alternatives in this comparison because it combines fees starting at 0.5%, support for 74+ cryptocurrencies across 18+ blockchains, mandatory KYC/KYB, automatic conversion into USDT or USDC, and EUR or USD payouts.

BitPay remains suitable for established companies processing high monthly volumes. Switching to another gateway makes sense when a business needs lower entry pricing, different blockchain coverage, another regulatory framework, or a settlement model that better matches its operations.