crypt.pe vs BitPay
We build crypt.pe, so read this table as a first-party comparison. BitPay details are based on public documentation, last verified , and may change — always confirm on the source pages: BitPay pricing · BitPay settlement docs · BitPay compliance / KYB requirements · BitPay invoice currencies.
When BitPay is the better fit: mainstream retailers who specifically want automatic fiat settlement to a bank account from a long-established, regulated US processor.
what "BitPay holds your funds" means in practice
"Custodial" isn't an abstract label — it's a specific set of mechanics documented across BitPay's own developer docs:
Customer payments credit your BitPay ledger first; fees and even miner fees for refunds are debited from that ledger — the money isn't on-chain in your wallet until settlement runs.
Payouts process each business day for the previous day's payments, to a bank account or wallet you configured during onboarding — not at the moment of payment.
Tier-2 merchant approval requires an active public website with visible services, pricing and terms, plus settlement details submitted for review. Approval isn't instant and can be declined.
In exchange you get automatic fiat conversion, bank deposits in USD/EUR/GBP and an established compliance program — genuinely valuable if fiat settlement is the goal. If keeping crypto is the goal, the custody layer only adds cost and counterparty risk.
keep your fees, your funds, and your freedom
Your wallet, not a settlement account
BitPay collects your payments and settles to you later. CRYPT.PE never touches funds — the payer sends straight to an address you control.
Keep the 2% + 25¢
On $100k/yr, BitPay's standard 2% cut is $2,000 plus 25¢ per sale — the 1% tier only starts at $1M+/mo volume. CRYPT.PE is a flat plan from $0 — that margin stays in your pocket.
No identity checks to start
There's no merchant application or identity gate to receive payments. Claim your page, paste your address, and accept payments in a minute — your own tax and AML obligations still apply.
BitPay vs crypt.pe,
answered straight.
the exact questions merchants type into search — answered without the marketing fog.
They answer different definitions of safe. BitPay is a regulated US custodian that holds funds and can apply compliance holds; CRYPT.PE removes the custodian entirely — payments settle on-chain to your own wallet, so there is no third-party balance to hold, freeze or hack.
ready to leave
BitPay behind?
claim your page free, paste your wallet addresses, and start accepting crypto in under a minute — with a 0% platform fee.