UTOPAY vs BitPay
| UTOPAY | BitPay | |
|---|---|---|
| Fee | 1.5% of the received amount + network fee | 1–2% + $0.25 per invoice, depending on monthly volume; higher for high-risk industries |
| Coins and networks | USDT, ETH, BNB, POL, DAI and more on 10 EVM networks; Bitcoin, Tron, Solana, TON being connected | Bitcoin, Ethereum, stablecoins and other major coins |
| Where the money goes | Forwarded on-chain to your wallet on every payment | Fiat to a bank account, or crypto and stablecoins |
| Account to start | Not required — start with a wallet address | Business account with verification |
| Card payments | Yes — cards, Apple Pay, PayPal, Revolut in the same account (4.5%) | Crypto payments |
| CMS plugins | WooCommerce, WHMCS, OpenCart, PrestaShop, MODX, Easy Digital Downloads, Paid Memberships Pro, Tilda | WooCommerce, Magento and other e-commerce platforms |
| Built for | High-risk merchants; cards + crypto | Mainstream US and EU merchants |
When BitPay is the better choice
- You want crypto settled in US dollars to a bank account.
- Brand recognition at checkout matters to your customers.
- Your business is low-risk and your volume earns the lower tiers.
When UTOPAY is the better choice
- You want each payment forwarded on-chain to your own wallet immediately — nothing is left on a third-party balance.
- You want to test or launch without registration: one API call with a wallet address is enough.
- You also need card payments: buyers without crypto pay by card, Apple Pay, PayPal or Revolut and you still receive crypto.
- You run a high-risk business and need a payment flow without underwriting or rolling reserves.
Switching from BitPay
The pattern is the same everywhere: create a payment, send the buyer to a payment page, confirm by a signed callback. Replace the create-payment call with POST /v1/crypto/payments, the payment URL with checkout_url and the signature check with x-utopay-signature (HMAC-SHA256). Step-by-step guide: accept crypto on a website. You can run both gateways side by side while you move.
Competitor figures are taken from public pricing pages and public reviews in October 2026 and may change — check the provider’s site before deciding.