CRYPT.PE
ranked honestly · updated 2026

the best crypto payment gateway,
ranked by what it costs you.

seven gateways, one honest question each: how much of your sale do they take, and who holds the money? we build one of them — the ranking still tells you when a rival fits better.

01

crypt.pe

best for: 0% fees + non-custodial, without running a server
fee · 0% — flat plans, free tier
custody · non-custodial (your wallet)

The only hosted gateway that charges 0% per transaction and never touches your money — payments settle wallet-to-wallet on-chain, so there are no holds, freezes or payout delays. Stripe-style API, signed webhooks, WooCommerce/Magento plugins, live in a minute with no KYC. The trade-off: no automatic fiat conversion — you hold crypto (stablecoins solve volatility).

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02

BTCPay Server

best for: self-hosting purists and open-source sovereignty
fee · 0% software fee (+ ~$10–20/mo VPS)
custody · non-custodial (self-hosted)

Free, open-source and fully sovereign — if you're comfortable running a VPS, syncing nodes and maintaining updates yourself. Bitcoin-first; altcoin support depends on community plugins. The self-hosted counterpart to crypt.pe's hosted model.

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03

Coinbase Commerce

best for: brand recognition with US customers
fee · 1% per transaction
custody · Coinbase-controlled flow

The most recognizable name in US crypto checkout with simple setup. You pay 1% of every sale for it, and the payment flow runs through Coinbase's infrastructure rather than straight to your wallet.

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04

BitPay

best for: mainstream retail wanting fiat settlement
fee · 1–2% per transaction
custody · custodial (regulated US MSB)

The longest-running crypto processor (since 2011) with fiat settlement to your bank and a consumer wallet app. In exchange: 1–2% fees, strict merchant KYB onboarding and a custodial flow with next-day batch settlement.

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05

CoinGate

best for: EU e-commerce stores on Shopify/WooCommerce
fee · ~1% flat
custody · custodial with auto-convert

Mature plug-and-play plugins and optional auto-conversion to EUR, with MiCA licensing in the EU. Solid if you want a European custodial processor and don't mind the 1% cut.

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06

NOWPayments

best for: the widest altcoin coverage
fee · ~0.5% + conversion spreads
custody · custodial until withdrawal

Hundreds of supported coins and flexible tools at a lower headline fee — but funds sit on the platform until you withdraw, with payout minimums and conversion spreads that add up.

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07

Stripe crypto payments

best for: teams already deep in the Stripe ecosystem
fee · 1.5% on top of Stripe
custody · processor-controlled

Convenient if Stripe already runs your stack: crypto arrives as USDC inside your existing dashboard. You pay 1.5% for the convenience and inherit Stripe's reserve and payout-review machinery.

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the questions behind the query.

It depends on custody. If you want to keep the crypto and pay no transaction fees, crypt.pe (hosted, 0%, non-custodial) or BTCPay Server (self-hosted, 0%) lead. If you want automatic conversion to fiat in your bank account, custodial processors like BitPay or CoinGate fit better — at 1–2% per sale.

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