Best Bitnovo Pay alternatives in 2026

A rate with a word in front of it#

From 0.95% is a floor and the page does not say what a merchant below the volume threshold actually pays. Against a card terminal at two to three percent that framing is fair; against the rest of this index it leaves the number open.

Two of the three replacements publish a rate that applies from the first transaction. That is the specific thing being fixed here, and it is worth confirming your own quotation before assuming a switch improves anything.

The unpublished conversion is the bigger gap#

Every payment converts inside the provider's system before euros reach the bank, so the spread applies to one hundred percent of revenue. Half a percent there would more than double the headline rate without appearing anywhere.

One replacement publishes that figure outright and another publishes it as part of a complete table. Between them they turn an uncomputable cost into an arithmetic problem, which is the whole reason to read this page.

Five named assets and a shrug#

Bitcoin, Ethereum, USDC, Litecoin and XRP, followed by a reference to other popular cryptocurrencies. That is a floor rather than a list and it is the second recorded reason merchants look elsewhere.

Every replacement here publishes a real number: fifty-nine at one, seventy-four at another, ten or more at the third. Two of those are a substantial widening and one is a narrowing worth knowing about first.

What leaving costs you#

Three regulator registrations with numbers attached: the Bank of Spain under D687, France under PSAN E2023-102, and the Dutch central bank under R193399. Publishing numbers rather than the word regulated is unusually strong disclosure.

Also PrestaShop, which is a Spanish and French storefront staple that larger processors routinely skip. Two of the three replacements carry it, so check before assuming your platform survives the move.

Where each replacement lands#

CoinGate answers the pricing complaint completely and answers nothing about coverage, publishing ten or more assets against an unpublished list here. It is a trade of breadth for arithmetic.

PayCek answers the coverage complaint with an exact fifty-nine and a stated zero merchant fee, then reopens the pricing question in a different form because its conversion spread is unpublished too.

The euro leg survives every route#

All three replacements convert and settle into bank currency, so the property that made this card suitable for a Spanish shop is not at risk on any of them.

The mechanics differ enough to matter. One publishes SEPA settlement as free, one triggers an automatic IBAN transfer on a threshold you set, and one publishes no payout cost at all.

Point of sale is the piece that may not transfer#

In-person acceptance through a phone or tablet is documented here and is the reason many retailers chose it. Two of the three replacements document a point of sale of some kind and one does not.

If a counter is part of the business, solve that channel before migrating the online one. Losing in-person acceptance to gain a published rate is a poor trade nobody plans for deliberately.

Verification is unanswered here and at two replacements#

This card records merchant verification as undisclosed after checking, and so do two of the three alternatives. The exception publishes identity checks on all users and business checks at onboarding.

Under three named regulators there will be a file at some point. Ask what it contains and how long it takes before rebuilding a live checkout on any of these.

How to price the move honestly#

Request a live quote on a hundred euro payment here and compare the euros credited against a public exchange rate. That difference plus 0.95% is your real cost, and until it exists nothing on this page is comparable.

Then set it against a card publishing 1% with free SEPA, or 0.7% all in. Two of the three alternatives can be totalled from public pages, which is precisely what this one cannot.

The case for staying#

If your store runs on PrestaShop or Shopify, your customers pay in the five named assets and you have a counter as well as a website, this card covers a shape that none of the alternatives covers completely.

The regulatory disclosure is also genuinely better than the field. For a Spanish business whose bank will ask questions, that is worth more than a couple of basis points.

What a switch actually takes here#

The plugin shelf is deep on both sides of every route, so the code work is an install and a key rather than a build. That makes this one of the cheaper migrations on this site.

The real work is commercial: getting a quotation, measuring a spread and confirming the point-of-sale path. Budget a fortnight of email and an afternoon of configuration, in that order.