UTOPAY vs Cryptomus
| UTOPAY | Cryptomus | |
|---|---|---|
| Fee | 1.5% of the received amount + network fee | 2% for new merchants; down to 0.4% by agreement depending on turnover |
| Coins and networks | USDT, ETH, BNB, POL, DAI and more on 10 EVM networks; Bitcoin, Tron, Solana, TON being connected | Bitcoin, USDT on TRC-20 and other networks, popular altcoins |
| Where the money goes | Forwarded on-chain to your wallet on every payment | Balance in your Cryptomus account, then withdrawal to your wallet |
| Account to start | Not required — start with a wallet address | Account required |
| 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, WHMCS, OpenCart and others |
| Built for | High-risk merchants; cards + crypto | Crypto acceptance and mass payouts |
When Cryptomus is the better choice
- You process large volume and can negotiate a rate close to 0.4%.
- Your customers pay with USDT TRC-20 or Bitcoin today.
- You need built-in mass payouts.
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 Cryptomus
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.