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The BitPay alternative for merchants who settle in fiat, run high-risk verticals and want humans on support
BitPay is the US-regulated choice with daily fiat settlement and a strict compliance programme, priced like a card processor: 2% + 25¢ under $500k a month, down to 1% + 25¢ above $1M, with surcharges for high-risk industries and a short coin list. GatewayCrypto is the alternative for merchants who want flat sub-1% fees at any volume, 300+ coins, stablecoins on every network and acceptance of the verticals BitPay surcharges or declines.
BitPay vs GatewayCrypto, side by side
BitPay facts are taken from its public pricing and product pages, checked on 2026-09-03. Vendors change prices; verify before you sign. Source
| BitPay | GatewayCrypto | |
|---|---|---|
| Fees | 2% + 25¢ under $500k/mo; 1.5% + 25¢ to $1M; 1% + 25¢ above; higher for high-risk | Flat per-transaction fee below 1%; no setup or monthly fee |
| Supported coins | About 14 assets (BTC, ETH, LTC, DOGE, BCH, XRP, USDC, DAI and a few tokens) | 300+ cryptocurrencies |
| Stablecoins and networks | USDC and a few stablecoins on selected networks | USDT on Tron, Ethereum, BNB Chain, Solana; USDC on Ethereum, Solana, Polygon, Arbitrum — one balance per stablecoin |
| Settlement | Daily fiat settlement in USD, EUR, GBP, CAD, AUD, NZD, MXN | Keep crypto, auto-convert to USDT/USDC, or settle to USD/EUR bank account |
| KYC / onboarding | Strict KYC/compliance programme; US-regulated | No KYC for buyers; light one-time merchant verification (1–5 business days); KYT screening on every deposit |
| High-risk industries | Surcharged; some verticals declined | iGaming, forex, VPN/proxy, prediction markets, SaaS, e-commerce, donations accepted |
| Integration | API, Shopify and major carts, invoicing | REST API, SDKs, hosted checkout, invoices and payment links, WooCommerce/Shopify/PrestaShop plugins |
| Support | Ticket-based support | 24/7 live human support |
| Who pays fees | Merchant pays processing fee | Choose who pays network and processing fees: merchant, customer, or split |
You want flat fees at any volume
Below 1% per transaction whether you process $10k or $10M, with no per-transaction cents.
You accept more than a dozen coins
300+ cryptocurrencies and USDT on Tron, BNB Chain and Solana — the networks retail customers actually use.
You are in iGaming, forex or another surcharged vertical
Accepted at standard pricing, with cashier features built for high-volume deposits and payouts.
You want stablecoin settlement
Keep USDT/USDC on a unified balance or settle to USD/EUR — your choice, switchable any time.
BitPay may still fit if…
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You need a US-regulated processor for a US-only, low-risk retail business and value daily USD bank settlement above everything else.
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Your customers only ever pay in BTC, ETH or USDC on Ethereum.
Moving from BitPay
Most merchants complete the switch in a day and keep the old gateway running while they test. Our team does the mapping with you.
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Verify your business once
One to five business days; no US-specific paperwork.
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Enable coins and networks
Add the long-tail coins and the USDT networks BitPay never offered.
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Swap the integration
Replace the API or reinstall the plugin; hosted checkout and invoices are ready without code.
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Set fee rules
Decide who pays network and processing fees per currency — something BitPay does not let you configure.
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Try GatewayCrypto alongside your current gateway
Most merchants complete the switch in a day and keep the old gateway running while they test. Our team does the mapping with you.
