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8 crypto gateways, one honest table

Fees, custody, settlement speed, KYC and availability — crypt.pe next to Coinbase Commerce, NOWPayments, BitPay, Stripe, Cryptopay and BTCPay Server. Custody and settlement differ by provider; crypt.pe is designed so payments settle wallet-to-wallet.

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grouped by custody & settlement model

non-custodial · hosted

crypt.pe

wallet-to-wallet — funds never touch the platform

non-custodial · self-hosted

BTCPay Server

your own server + node; you run the infrastructure

custodial · crypto or fiat settlement

BitPay · CoinGate · Cryptopay · NOWPayments¹ · Coinbase Business

provider receives funds first, then pays out per schedule

fiat processor · stablecoin add-on

Stripe

settles to your Stripe balance as fiat, not on-chain to you

¹ NOWPayments is custodial by default; an optional direct-to-wallet mode forwards each payment onward for a fee.

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Feature	CRYPT.PE	Coinbase Commerce (legacy)	BitPay	Stripe (cards)	NOWPayments	CoinGate	BTCPay Server	Cryptopay
Platform fee	0% — flat plan	1% per tx	2% + 25¢ (1% at $1M+/mo)	2.9% + 30¢ cards · 1.5% stablecoins	1% (+1.5% conv.)	1% + payout fees	0% + server costs	custom · 1% exchange fee
Custody of funds	Non-custodial — your wallet	Self-custodial (auto-converts to USDC)	Settlement account	Stripe holds until payout	Custodial by default; optional direct	Custodial during settlement	Non-custodial (self-hosted)	Converted to fiat
Settlement speed	Instant on-chain	On-chain to your wallet	Payout delay	2–7 day bank payout	On withdrawal (custodial mode)	Weekly payout by default	Instant on-chain	Next-day bank
KYC / KYB to receive	None	Coinbase account	Merchant KYC	Underwriting + KYC	Account required	Account + business KYB	None	KYB application
Account freezes	Impossible — we never hold	N/A — self-custodial	Possible	Possible	Possible (custodial mode)	Possible	Impossible — self-hosted	Possible
Available in US & EEA	Wherever wallet-to-wallet is permitted	With approval	With approval	Supported countries	With approval	EU-focused (MiCA licensed)	Yes — self-hosted	Not offered (per its terms)
Chargebacks	None — on-chain is final	None	None	Card chargeback risk	None	None	None	None
Public payment page	crypt.pe/yourname — included	No	No	Payment links	Limited	No	Self-configured	No
Orders API + webhooks	Yes — Stripe-style	Yes	Yes	Yes	Yes	Yes + store plugins	Greenfield API — self-run	Yes
Best for	0% fees + keeping the crypto, without a server	Brand recognition, USDC auto-settle	Fiat settlement at retail scale	Teams already on Stripe	Widest altcoin coverage	EU stores on Shopify/Woo	Full self-hosted sovereignty	Fiat settlement outside US/EEA
Ready?	get started free	full breakdown →	full breakdown →	full breakdown →	full breakdown →	full breakdown →	full breakdown →	full breakdown →

methodology: we build crypt.pe — read this as a first-party comparison. rival figures are from public documentation, last verified 12 september 2026, and may change. sources by claim — fees: bitpay pricing, nowpayments fees, coingate pricing, stripe pricing · custody & settlement: bitpay settlement, nowpayments custody, coingate custody, stripe stablecoins · status & availability: coinbase commerce → business, cryptopay terms, btcpay docs. crypt.pe availability: wherever direct wallet-to-wallet payments are permitted; merchants remain responsible for local obligations.