Best PayCek alternatives in 2026

A zero you cannot verify#

No account fee, no maintenance fee and no transaction fee on the merchant side, all stated plainly. The money still has to come from somewhere, and the pages do not say where.

Conversion into euros happens inside the provider's wallet the moment a payment is detected, so every merchant pays the spread on every transaction. Not publishing it is the recorded reason merchants shop elsewhere.

What leaving costs you#

Fifty-nine assets, counted exactly rather than rounded upward with a plus sign. Only one replacement here comes close, and the most obviously comparable one publishes ten.

Also the free web point of sale, which for a counter operation is most of the job done with no integration work at all. None of the three alternatives offers the same thing on the same terms.

The integration gap is the practical reason to move#

An API and no named plugins means a web store is a development project. All three replacements publish maintained plugins, and two of them cover five platforms each.

For a business whose crypto acceptance lives on a website rather than at a till, that difference is worth more than the fee question and it is why this page exists.

Where each replacement lands#

CoinGate publishes the most complete fee table in this index — processing, conversion, SEPA, SWIFT and crypto payout on one page — which is the exact opposite of the problem being solved here.

Bitnovo Pay publishes a rate from 0.95% with euro settlement and five plugins, under three named regulators with registration numbers attached, which is a stronger corporate disclosure than most of the field.

The asset list will shrink on every route#

Fifty-nine against ten, an unpublished count and five named assets. Every alternative here narrows coverage, and on one route it narrows it by a factor of six.

For a European store whose customers pay in bitcoin and a stablecoin that costs nothing. For anyone selling into unpredictable markets it is the largest single loss on this page.

Euro settlement survives on all three#

Every replacement converts and pays out in bank currency, so the property that made this provider suitable for a shop is not at risk. That is unusual on a page like this.

The payout mechanics differ. The threshold-based automatic IBAN withdrawal here, configurable between thirty and a thousand euros, is a nicer control than anything the alternatives publish.

Regulatory footing does not get worse#

A Croatian operator established in 2014 under European crypto-asset authorisation is a strong position, and two of the three replacements match it: a Lithuanian company from the same year and an Estonian one from the same year again.

The third publishes three regulator registrations with numbers. For a European merchant this is one of the rare pages where every option would survive a compliance review.

Verification stays an open question everywhere#

This provider records merchant verification as undisclosed after checking, and so do all three replacements. Four European operators, none publishing what a merchant must submit.

That is a category failure rather than a reason to prefer any one card. Ask what applies in your vertical before you build, because the answer can end the conversation at any of them.

How to price the move properly#

Take a hundred euro payment here and compare the euros credited against the same amount at a public exchange rate. That gap is what you are currently paying and it is the only figure that makes this comparison honest.

Then set it against 1% plus free SEPA, or a rate from 0.95%, or 0.5% with an unpublished spread of its own. The exercise takes ten minutes and settles most of this page.

The case for staying#

If your business is a counter rather than a checkout, the free web point of sale and fifty-nine assets are worth a great deal, and none of the alternatives replaces both.

If the spread turns out to be modest, this is the broadest asset list available with euro settlement and no visible fee. Measure it before assuming the alternative is cheaper.

What a switch actually takes here#

Because the integration is custom API code rather than a plugin, nothing about it ports. Every replacement expects a plugin install instead, which is less work than it sounds and a different kind of work than you have done.

The euro payout side is the piece to rehearse. Whoever reconciles the bank account is used to a threshold-triggered transfer, and every alternative schedules payouts differently.