Fees, coins and settlement at a glance
| Gateway | Fee | Coins and networks | Where the money goes | Account to start |
|---|---|---|---|---|
| UTOPAY | 1.5% + network fee | USDT, ETH, BNB, POL, DAI and more on 10 EVM networks; Bitcoin, Tron, Solana, TON being connected | Forwarded on-chain to your wallet on every payment | Not required — start with a wallet address |
| CoinGate | 1% + payout fees | Bitcoin, Ethereum, stablecoins and other major coins | EUR, USD or GBP to a bank account, or crypto; weekly by default | Business account with verification |
| Cryptomus | 0.4–2% | Bitcoin, USDT on TRC-20 and other networks, popular altcoins | Balance in your Cryptomus account, then withdrawal to your wallet | Account required |
| CoinsPaid | ~0.8% + spreads | Bitcoin, USDT, ETH and other major coins | Crypto or fiat through the CoinsPaid account | Business onboarding with verification |
| BitPay | 1–2% + $0.25 | Bitcoin, Ethereum, stablecoins and other major coins | Fiat to a bank account, or crypto and stablecoins | Business account with verification |
How to choose a crypto payment gateway
- Total cost, not the headline rate. Add payout, conversion and withdrawal fees to the percentage.
- Where the money goes. A balance on the provider’s side can be frozen; a payout straight to your wallet cannot.
- Coins your customers actually use. For most merchants that means USDT on a cheap network, plus Bitcoin and ETH.
- What it takes to start. Business verification can take days; some gateways let you start with just a wallet address.
- Cards for everyone else. Buyers without crypto still need a way to pay — check whether the gateway can take cards too.
Which gateway fits whom
- CoinGate — EU merchants who want crypto converted to fiat in a bank account.
- Cryptomus — high-volume crypto merchants who can negotiate a low rate.
- CoinsPaid — established iGaming operators, especially on SoftSwiss.
- BitPay — US businesses that want crypto settled in dollars to a bank account.
- UTOPAY — high-risk merchants who want every payment in their own wallet and cards plus crypto through one API.
- NOWPayments — merchants who want the lowest percentage and 350+ coins with ready plugins.
Competitor figures are taken from public pricing pages and public reviews in October 2026 and may change — check the provider’s site before deciding.