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Crypto payment gateways compared

Fees, coins and plugins, with each figure from the gateway's own pages, read on (Cryptomus, CoinGate and BTCPay Server on ).

We run CoinsFlow, so this is our side of it, and each page says where its figures come from and when each gateway is the better choice. What a crypto payment gateway costs is mostly its percentage on each payment, so that comes first. Prices change: check them before you choose.

What a payment costs

GatewayListed feeOn a $20 invoice
CoinsFlow0.5%$0.10
NOWPayments1%$0.20
OxaPay1.5%$0.30
Plisio0.5%; 1% on USDT and USDC on BNB Smart Chain$0.10; $0.20 in those
CoinPaymentstwo fee pages: from 0.5%, and from 3%$0.20 or $0.60 in USDT
Cryptomus2% for new users; as low as 0.4% on request$0.40; $0.08 at 0.4%
CoinGate1%$0.20
BTCPay Servernone: free software you run$0 in fees

Where you pay the fee, it comes out of what you receive: a $20 invoice at 0.5% leaves you $19.90, and at 1.5% it leaves $19.70. On every gateway here your customer also pays the network fee for sending.

CoinsFlow vs NOWPayments

0.5% against a 1% service fee; six coins against 300+ assets.

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CoinsFlow vs OxaPay

0.5% against 1.5% on invoices and payment links.

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CoinsFlow vs Plisio

Both say 0.5%. Where they differ, and what Plisio’s plugins add.

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CoinsFlow vs CoinPayments

Two CoinPayments fee pages, and what each means for you.

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CoinsFlow vs Cryptomus

0.5% against 2% for new users, and Cryptomus’ 0.4% on request.

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CoinsFlow vs CoinGate

0.5% against 1%; payouts in euros or dollars, and licences.

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CoinsFlow vs BTCPay Server

A hosted gateway against free software you run yourself.

Read the comparison →

Coinbase Commerce alternative

For merchants outside the US who have to move.

Read the comparison →

CoinsFlow vs Coinflow

Similar names, two companies: which one you are looking for.

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When another gateway is the better choice

  • You need a coin CoinsFlow does not take, such as Monero, Solana, XRP or Dogecoin.
  • You want a ready-made plugin for your shop or billing software.
  • You want coins converted for you, or paid out to a bank: CoinsFlow pays out in the coin you were paid in.
  • You need a provider licensed in the EU: CoinsFlow claims no licence.
  • You want to hold your own keys and run the software yourself, for no fee, as with BTCPay Server.
  • You take Bitcoin over Lightning: CoinsFlow has no Lightning yet.

When CoinsFlow is

  • You want one fee, 0.5%, whatever the coin and however you are paid, with no monthly fee.
  • You take small orders: there is no smallest invoice in one coin.
  • You are paid in Bitcoin or Litecoin and want it to count at the first confirmation, withdrawable at once.
  • You want to test every outcome first: test mode makes an invoice paid, underpaid, overpaid or expired, with the same signed webhooks.
Start acceptingSee pricing

Questions

Which crypto payment gateway has the lowest fee?

BTCPay Server takes no fee at all: it is free software you run yourself, and you pay for the server. Of the hosted gateways on these pages, at the prices they list for everyone, CoinsFlow and Plisio start lowest at 0.5%. CoinsFlow’s 0.5% is the same for every coin and every way of being paid; Plisio lists 1% on USDT and USDC on BNB Smart Chain and 1.5% on white label. NOWPayments and CoinGate show 1%, OxaPay 1.5%, and Cryptomus 2% for new users, as low as 0.4% on request. Your customer also pays the network fee for sending, whichever you use.

Which gateway takes the most coins?

Not CoinsFlow: it takes six coins, on four networks. NOWPayments lists more than 300 assets, Cryptomus more than 100, CoinPayments more than 40, OxaPay 18, Plisio 17 and CoinGate 10+. If you need Monero, Solana, XRP or Dogecoin, look at the longer lists.

Which gateway has a WooCommerce or Shopify plugin?

NOWPayments, OxaPay, Plisio, CoinPayments, Cryptomus, CoinGate and BTCPay Server all list shop plugins. CoinsFlow has none yet: you use the API, or make payment links in the dashboard with no code.

Can I try a gateway without real money?

On CoinsFlow, yes: add "test": true when you create an invoice, then simulate it paid, underpaid, overpaid or expired. NOWPayments and OxaPay have sandboxes, and CoinGate a sandbox account. Each comparison page says what the other side’s pages state.