Speend #1 8.3/ 10
Merchant-side model: the business passes KYB, the payer opens nothing and sees no identity check.
From 0.5% 300 assets KYB only
46 providers · checked September 2026
The catalogue
Every crypto payment gateway in this index, ordered by weighted score. Published processing rates run from 0% to 2%. Each card shows what the provider publishes, what it declines to publish, and the date we last checked.
| Gateway | Score | From | Assets | Verification | Settles fiat | Discloses |
|---|---|---|---|---|---|---|
| Speend | 8.3 | 0.5% | 300 | KYB only | 63% | |
 NOWPayments | 8.0 | 1% | 350 | Not disclosed | 68% | |
 BTCPay Server | 7.7 | 0% | None stated | No | 74% | |
 CoinPayments | 7.4 | 0.5% | Not disclosed | 58% | ||
 Cryptomus | 7.4 | 0.4% | 120 | Not disclosed | 74% | |
 Bitcart | 7.1 | 0% | 50 | None stated | No | 84% |
 Crypto.com Pay | 7.1 | 0% | 20 | KYB only | Yes | 84% |
 Binance Pay | 7.0 | 0% | 300 | KYB only | No | 79% |
 CoinRemitter | 7.0 | 0% | 13 | None stated | 63% | |
 PassimPay | 7.0 | 0.5% | 74 | KYB and KYC | 63% | |
 Paymento | 6.9 | 0.5% | None stated | No | 63% | |
 Plisio | 6.9 | 0.5% | 12 | Not disclosed | 68% | |
 Whitepay | 6.8 | 0.4% | 200 | Not disclosed | 68% | |
 CoinGate | 6.7 | 1% | 10 | Not disclosed | Yes | 89% |
 ForumPay | 6.7 | 0.5% | KYB only | Yes | 79% | |
 MyCryptoCheckout | 6.7 | 0% | 100 | None stated | No | 89% |
 B2BINPAY | 6.6 | 0.25% | KYB only | Yes | 74% | |
 CoinsPaid | 6.6 | 0.5% | Not disclosed | Yes | 68% | |
 OxaPay | 6.6 | 1.5% | 20 | None stated | 79% | |
 CryptoCloud | 6.4 | 0.4% | Not disclosed | No | 58% | |
| PayCek | 6.4 | 0% | 59 | Not disclosed | Yes | 74% |
 Bitnovo Pay | 6.3 | 0.95% | Not disclosed | Yes | 53% | |
 Coinbase Commerce | 6.2 | 1% | 10 | KYB and KYC | 58% | |
 DePay | 6.2 | 1.5% | Not disclosed | 42% | ||
 Apirone | 6.1 | 0% | Not disclosed | 58% | ||
 OpenNode | 6.1 | — | 1 | Not disclosed | Yes | 68% |
 ALFAcoins | 6.0 | 0.99% | 19 | Not disclosed | 53% | |
 Coinify | 6.0 | 0% | KYB only | Yes | 68% | |
 Radom | 6.0 | 0.5% | 12 | Not disclosed | Yes | 68% |
 0xProcessing | 5.8 | — | KYB only | 68% | ||
 GoUrl | 5.8 | 1.5% | 14 | None stated | No | 58% |
 Triple-A | 5.8 | 1% | KYB and KYC | Yes | 68% | |
 Aurpay | 5.7 | 0.8% | 8 | Not disclosed | 47% | |
 BitPay | 5.6 | 2% | 15 | KYB and KYC | Yes | 79% |
 Blockonomics | 5.6 | 1% | Not disclosed | 32% | ||
 Speed | 5.6 | 1% | 3 | Not disclosed | No | 74% |
| Alchemy Pay | 5.3 | 1% | KYB only | Yes | 63% | |
 Lunu | 5.1 | — | 30 | Not disclosed | Yes | 53% |
 BVNK | 5.0 | — | 4 | KYB and KYC | Yes | 68% |
 Bitpace | 4.8 | — | 75 | Not disclosed | Yes | 47% |
 Coinsnap | 4.8 | — | 1 | Not disclosed | Yes | 53% |
 Zaprite | 4.8 | 1% | 2 | Not disclosed | 58% | |
 Sheepy | 4.7 | — | 20 | Not disclosed | Yes | 58% |
 xMoney | 4.7 | — | Not disclosed | Yes | 53% | |
 SpectroCoin | 4.6 | — | 50 | Not disclosed | Yes | 42% |
 Confirmo | 4.3 | — | 10 | Not disclosed | 32% |
What this catalogue found
Conversion cost
38 / 46silent
Providers that publish a processing rate but no conversion figure. Conversion is usually the larger cost, which makes the published rate the smaller half of the number that matters.
Merchant verification
26 / 46silent
Providers publishing nothing about what a merchant must submit before going live. This is the single hardest thing to plan for in the category and the least documented.
Average disclosure
64%of fields
Share of card fields the average provider publishes. Read the per-provider figure in the table above as a proxy for how much of your evaluation will happen over email.
All providers
Showing 46 of 46How do you read this catalogue?
Score first, then Discloses. A high score with a low disclosure figure means the provider looks good on what it chose to tell you, which is a weaker statement than it appears. A merchant comparing two providers a point apart should treat the disclosure gap as the larger signal, since it predicts how the rest of the relationship will go.
Rates here are the published floor. Almost every provider in this category quotes volume tiers privately, and several advertise a floor rate that new merchants do not receive. Where we know that to be the case, the card says so in its cons. The methodology page has the weights and the scoring rules.
Questions merchants ask
How many crypto payment processing companies are there?
This index covers 46 providers chosen for having enough public documentation to check. The wider category runs to several dozen, most of which publish too little to compare honestly. A provider that will not state a rate in public is not a candidate for a shortlist.
Which crypto payment gateway is cheapest?
The lowest published processing rate here is 0%. That figure is a floor rather than a total, because 38 of 46 providers do not publish what conversion costs, and conversion is usually the larger number.
Do I need a separate account for each cryptocurrency?
No. A gateway presents one merchant account and handles the assets behind it, generating an address or invoice per payment. What differs between providers is which assets are live for merchants in your country, which is narrower than the marketing list on almost every provider.
What does the Discloses column mean?
It is the share of the nineteen card fields a provider publishes on its own pages. Across this index the average is 64%. Every field has been checked; the ones a provider stays quiet about are recorded as not disclosed rather than left blank.
Last checked 9 days ago