Best OxaPay alternatives in 2026

The rate you thought you signed up for#

Fees from 0.4% is on the homepage and 1.5% is what the standard invoice product costs. Both statements are accurate and only one of them describes a new merchant's bill, which is the recorded reason people look elsewhere.

Two of the three replacements publish a rate at or below 0.5% that applies from the first transaction rather than at a volume nobody names. That is the specific thing being fixed by leaving.

The missing conversion figure#

A swap product exists and no swap rate is published. For a merchant converting everything, that leaves the larger of the two cost components unknown, which no amount of clarity on the processing side compensates for.

Only one replacement here closes that gap outright, publishing 0.2% on conversion alongside 0.5% on processing. A computable 0.7% is worth more than an uncomputable 0.4%.

What you would be giving up#

A per-product price list that is genuinely more specific than most of this index: payment links, donations, invoices, white label and static addresses each with their own number. That habit of disclosure is rare and real.

Also the white-label tier at a published 2%, which is the only priced branded checkout in this index. If branding matters, leaving costs you the only card where the premium is a number.

Onboarding gets heavier at two of the three#

Signup here needs no documents and no delays, stated in writing. That is a real property and one worth confirming you can live without before moving.

One replacement publishes identity checks on all users and business checks at onboarding. Two publish nothing, which is a question rather than a reassurance.

Where each replacement lands#

Cryptomus publishes 0.4% as an entry rate rather than a floor, carries a hundred and twenty assets and seven integrations, and keeps the white-label option without pricing it.

Plisio halves the rate again at 0.5%, settles to a wallet you control and maintains five plugins, which is the biggest structural change on this page and the one most likely to suit a shop.

Custody changes on one route#

This provider holds the balance, which is what makes internal transfers free and static addresses possible. Moving to a non-custodial replacement removes both products along with the counterparty risk.

Merchants who liked receiving to a static address should check specifically. It is a convenience that does not transfer cleanly and it is easy to assume it will.

The plugin gap runs in your favour#

Two named integrations here — WooCommerce and WHMCS — against seven, five and eleven at the replacements. Whatever else a switch costs, the integration shelf gets wider on all three routes.

WHMCS is the one to verify. It appears on two of the three and is the reason many merchants chose this provider in the first place, particularly hosting resellers.

The asset list barely moves, except in one direction#

Twenty assets here against seventy-four, a hundred and twenty and twelve at the replacements. Two of the three widen coverage substantially and one narrows it sharply.

The narrowing route compensates with privacy assets that appear almost nowhere else. If any of your revenue arrives in Monero, that is a decisive line in an otherwise unremarkable comparison.

What to ask before you commit#

Ask this provider what rate your business would actually get, since the ladder from 1.5% to 0.4% exists and a quotation may make the whole move unnecessary. It is one email and the cheapest step available.

Ask each replacement for the conversion spread in writing. It is the number that made this page necessary and it goes unstated at two of the three unless you press.

The case for staying#

If you settle in crypto and never convert, the missing swap rate costs you nothing and the per-product price list is more transparent than most of the field. The reason to leave largely evaporates.

If you also use white label, the priced tier is unique here. Leaving means swapping a known 2% for an unknown premium at every alternative in this index.

What a switch actually takes here#

The integration surface is small — two plugins and an API — so the code side of a move is days rather than weeks. That is the one respect in which leaving this provider is easier than leaving most.

The awkward part is the balance. Funds sit with the provider until withdrawn, so plan a clean sweep on a date rather than draining gradually while two integrations run in parallel.