BitPay alternative for repeat stablecoin payments
Unigox crypto processing is a BitPay alternative for platforms whose customers pay in stablecoins again and again, to an address that keeps their reference. Stay with BitPay for store checkout, bitcoin and settlement to your bank.
When Unigox fits better than BitPay
Repeat top-ups to one address
BitPay opens a new invoice for each payment, and a payment that reaches an expired invoice is declined and refunded. With Unigox a customer keeps an address assigned to their customer ID for repeat payments, and each payment to it arrives with that ID.
The payer picks the amount
BitPay's docs say an invoice is either paid or not: a partial payment is not credited to the merchant and goes back to the payer, as does any amount above the price. Unigox credits the amount that arrived and reports it, and your own rules decide what a short or extra payment means.
USDT sent on Tron or TON
BitPay's list of invoice payment currencies names Bitcoin, Ethereum and its layer 2 networks, Polygon, Solana and a few other coins, but not Tron or TON. Unigox takes stablecoin payments on Tron and TON as well as on major EVM networks, Robinhood Chain and Solana.
When to stay with BitPay
You want the money in your bank account
BitPay settles every business day to a bank in one local currency, such as USD, EUR, GBP or CAD, or in crypto, or a mix of both. Unigox credits your Unigox balance in the stablecoin the payer sent, with no automatic bank settlement. Converting and withdrawing in a local currency is a separate step, using the services set up for your business.
You sell through an online store or a till
BitPay has plugins for Shopify, WooCommerce, Magento, Wix, BigCommerce and WHMCS, plus email invoices, in-store payments and a hosted donation page. With Unigox your team builds the checkout or top-up screen.
Your customers pay in bitcoin or other coins
BitPay takes Bitcoin on-chain and over Lightning, Ether, Solana, Litecoin, Dogecoin, XRP and more. Unigox crypto processing is for stablecoin payments.
Your company is in the United States
Unigox does not currently offer its services in the United States, where BitPay holds money transmitter licences state by state and a New York licence for virtual currency business.
BitPay vs Unigox for accepting a crypto payment
| Topic | BitPay | Unigox |
|---|---|---|
| What it is | A crypto payment processor: online checkout, email invoices, in-store payments and donations, plus crypto payouts to contractors, partners and customers. | Crypto processing: stablecoin payments to addresses that carry your invoice or customer reference, for merchants, invoicing services, wallets, exchanges and marketplaces. |
| Payment address | A new invoice for each payment, including the bills its Subscriptions send on a schedule, at an exchange rate locked when it opens. It accepts payment for 15 minutes; a later payment is declined and refunded. | An address for each invoice, or one address a customer keeps for repeat payments. Every payment arrives with your reference. |
| Wrong amount | An invoice is paid or not paid. A partial payment is not credited and is refunded to the payer; an amount above the price is refunded too. | No amount is enforced. Your system receives the amount that arrived and applies your own rules for partial payments or overpayments. |
| Coins and networks | Bitcoin (on-chain and Lightning), Bitcoin Cash, Litecoin, Dogecoin, XRP, Polygon, Ethereum, Base, Optimism, Arbitrum and Solana, with stablecoins on Ethereum, Polygon, Base, Optimism, Arbitrum and Solana. No Tron or TON on the list. | Crypto processing takes stablecoin payments on the major EVM networks (Ethereum, Base, Arbitrum, Polygon, Optimism, BNB Smart Chain, Avalanche, Unichain and HyperEVM), Robinhood Chain, Tron, TON and Solana. Which stablecoins a business accepts on each network is agreed during setup. |
| Where the money goes | Bank settlement every business day in one fiat currency (AUD, CAD, CHF, EUR, GBP, MXN, NZD, USD or ZAR), in crypto, or a mix, each with a minimum balance. | Your Unigox balance. USDT payments are credited as USDT, and USDC payments as USDC. |
| Checkout | Store plugins, a payment page for each invoice, email invoices and in-store payments. | You build the checkout or top-up screen. It shows the address, network, stablecoin and amount. |
| Payment notifications | A webhook to your server when an invoice is paid, confirmed or complete. It carries an HMAC signature (x-signature header) keyed to your API token, and BitPay's guide says to fetch the invoice to confirm its status before you fulfil the order. | A signed notification with your reference and the amount received. Your backend can also look up a transfer's status. |
| API access | API tokens tied to sets of permissions. Creating invoices needs no signed requests; refunds and other merchant actions do. | Unigox provides integration access and signing requirements. |
| Pricing | 2% + 25¢ per transaction below $500,000 a month, 1.5% + 25¢ up to $999,999 and 1% + 25¢ from $1,000,000, higher for high-risk industries. Fees come out of settlement or can be added to the invoice. | No public price list; priced for your company. |
| Regulation | Money transmitter licences in US states (NMLS ID 1496848) and a New York licence for virtual currency business. Processing is run by BitPay Inc. and BitPay B.V. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMove repeat payers from BitPay to Unigox
Describe how you invoice
Tell us which networks and stablecoins your customers pay with and how you invoice them. We agree the networks, integration access and pricing before your first payment.
Connect your backend
Your backend asks for an address per invoice or per customer, stores the reference, and records each signed notification against the right invoice or balance.
Show customers their address
Your top-up or checkout screen shows the address, network and stablecoin. Customers pay from their own wallet or exchange, with no Unigox account and no memo to type.
Questions about BitPay alternatives
How much are BitPay fees, and what does Unigox charge?
BitPay publishes its fees: 2% plus 25 cents per transaction under $500,000 a month, 1.5% plus 25 cents up to $999,999 and 1% plus 25 cents from $1,000,000, with higher fees for high-risk industries. Its crypto payouts cost 1%. Unigox crypto processing has no public price list; it is priced per company.
Does BitPay have an API, and how does the Unigox integration differ?
Yes. BitPay's API creates invoices, issues refunds and sends payouts, with access through tokens. Its webhook tells your server that an invoice changed, carries an HMAC signature, and its docs say to fetch the invoice before you act. With Unigox your backend asks for an address tied to an invoice or customer reference, gets a signed notification with that reference and the amount, and can look up a transfer's status.
Which BitPay competitors suit repeat payers?
Look for a service that gives each customer a lasting address and tells you who paid. Unigox crypto processing does that: a customer keeps an address assigned to their customer ID, and each payment reaches your server with that ID. BitPay opens a new invoice for every payment, including the bills its Subscriptions send on a schedule, so a repeat payer gets a new payment window each time. Our gateway comparison sets BitPay beside other processors by business model.
Compare crypto payment gatewaysIs there an alternative to BitPay for USDT on Tron or TON?
BitPay's list of invoice payment currencies does not include Tron or TON. Unigox crypto processing takes stablecoin payments on both, and on major EVM networks, Robinhood Chain and Solana.
What happens when a customer pays the wrong amount?
On BitPay an invoice is paid only when the amount due arrives within 15 minutes; a partial payment is not credited and goes back to the payer, and so does any extra. Unigox credits whatever arrived and sends your system the actual amount, so your own rules decide whether the invoice is part-paid or overpaid and what you tell the customer.
Can we keep BitPay for store checkout and add Unigox for stablecoin top-ups?
Yes. They are separate integrations, so you can keep BitPay for store checkout and bank settlement and use Unigox for customers who top up again and again in stablecoins. Nothing moves over by itself: you show the new Unigox addresses to the customers you move.
Talk to us about moving off BitPay invoices
Bring the networks your customers pay on, how often the same customer pays you and your monthly volume. On the call we sort which payments move to Unigox and which stay on BitPay.
BitPay and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.