Both are hosted crypto payment gateways: you make an invoice or a payment link, your customer pays on a hosted page, and the money is credited to your balance. CoinsFlow takes 0.5% of each payment. OxaPay's pricing page lists 1.5% on invoices and payment links, 2% on white label and 2% plus a fixed fee on static addresses.
Fees
| Fee on | CoinsFlow | OxaPay |
|---|---|---|
| An invoice | 0.5% | 1.5% |
| A payment link | 0.5% | 1.5% |
| Your own payment page (white label) | 0.5% | 2% |
| A permanent deposit address | 0.5% | 2% plus a fixed fee |
| A $20 invoice | $0.10 | $0.30 |
On CoinsFlow, a white-label page is the API itself: an invoice in one coin comes back with its address and exact amount, for you to show on your own page. A permanent deposit address is one per merchant and network, from the dashboard. OxaPay's fixed fee on a static address is 0 on Litecoin.
OxaPay says that, depending on your business, all its fees can be reduced to 0.4%, and points you to your account manager for it. Its invoices can also make the payer cover its fee. CoinsFlow's 0.5% is the same from the first payment, and it is always taken from what you receive.
Sending Litecoin out
| Litecoin | CoinsFlow | OxaPay |
|---|---|---|
| Smallest amount | 0.0001 LTC | 0.002 LTC |
| Fee | the network cost, shown before you confirm | 0.00016 LTC |
On CoinsFlow, a withdrawal's fee covers what the network charges to send it, and you see it in LTC before you confirm. A withdrawal can also run on its own, when your balance reaches an amount you choose, or once a day or a week.
Coins, plugins and tools
| What | CoinsFlow | OxaPay |
|---|---|---|
| Coins | BTC, LTC, ETH, BNB, USDT, USDC | 18, among them SOL, XMR, DOGE, XRP and TRX |
| USDT on | Ethereum, BNB Smart Chain | Ethereum, TRON, BNB Smart Chain, Solana, Polygon, TON |
| Shop plugins | none yet | 13 platforms |
| Test payments | test mode | sandbox mode |
| Automatic withdrawals | yes | yes |
| Conversion to USDT | no | yes |
OxaPay's plugins page lists WooCommerce, WHMCS, PrestaShop, Magento, OpenCart and eight more. CoinsFlow takes USDT and USDC on Ethereum and BNB Smart Chain; TRON is paused for now.
Pick OxaPay if
- You want a ready-made plugin for your shop or billing software.
- You need a coin or network CoinsFlow does not take, such as Solana, Monero, Dogecoin, XRP, TON or TRON.
- You want payments turned into USDT as they arrive.
- Your business qualifies for the lower fees it offers, down to 0.4%.
- You want your customers to pay the fee instead of you.
Pick CoinsFlow if
- You want 0.5% on every payment, by invoice, payment link, your own page or a deposit address, from the first one.
- You are paid in Litecoin: a payment is seen seconds after it is sent, counts as paid at the first confirmation (about 2.5 minutes) and can be withdrawn at once. The smallest withdrawal is 0.0001 LTC.
- You want payments read from nodes the gateway runs itself: ours are also behind a public Litecoin explorer.
- You want to try every outcome without money: test mode makes an invoice paid, underpaid, overpaid or expired, with the same signed webhooks.
- You want your customer to pick the coin on the payment page, or to pay what they want.
- Your customers hold CoinsFlow balances: Pay with CoinsFlow settles an invoice at once, with no blockchain transaction.
Where the figures come from
We run CoinsFlow, so this is our side of the comparison. Everything said about OxaPay is from its own pages, read on . Prices change, so check them before you choose:
- oxapay.com/pricing: the fee for each service, the 0.4% reduction, the fixed fee on static addresses, and the smallest amount and fee for sending each coin out.
- oxapay.com/currencies: the 18 coins it takes. The networks for USDT are from the transfer table on its pricing page.
- oxapay.com: that payments can be sent to your wallet automatically and turned into USDT.
- oxapay.com/plugins: its 13 plugins.
- docs.oxapay.com, its invoice API: sandbox mode, the payer covering the fee, automatic withdrawal and conversion to USDT.
CoinsFlow's figures are on our pricing page and in the API docs.