The best crypto payment gateway depends on the job
There is no single best crypto payment gateway for every business. BitPay and Coinbase Business settle store sales, NOWPayments and CoinPayments take many coins, BTCPay Server runs on your own server, and Unigox suits repeat stablecoin top-ups.
Which gateway suits which business
An online shop that wants fiat in the bank: BitPay
BitPay has plugins for Shopify, WooCommerce, Magento, Wix, BigCommerce and WHMCS, publishes its fee tiers, and pays out every business day to a bank in one fiat currency, in crypto, or both.
Read the BitPay comparisonUSDC into one business account: Coinbase Business
Payment links, invoices and checkouts settle in USDC in your Coinbase Business account, which can pay out to your bank automatically. It is open to companies in the US and Singapore.
Read the Coinbase Business comparisonMany coins: NOWPayments or CoinPayments
NOWPayments lists 350+ coins with auto-conversion and crypto mass payouts; CoinPayments lists 40+ coins with hosted invoices and a sandbox after sign-up. Both list a 1% payment fee before volume discounts.
Read the NOWPayments comparisonBitcoin with no company in between: BTCPay Server
BTCPay Server is free, open-source software you host yourself or leave to a third-party host you trust. Payments go straight to your own wallet with no transaction fee, and help comes from its community, with paid support from some members, not a support desk.
A company in the United States: BitPay or Coinbase Business
Unigox does not currently offer its services in the United States, while BitPay lists money transmitter licences by US state and Coinbase Business serves US companies.
When Unigox crypto processing fits
Customers top up the same account again and again
BitPay invoices and Coinbase Business checkouts each take one payment, and a reusable Coinbase payment link is one link for everyone. With Unigox a customer keeps one address, and every top-up reaches your system with their customer reference. NOWPayments and CoinPayments offer lasting addresses too. On CoinPayments the funds stay at each permanent address until a dashboard threshold, a spend or an API call sweeps them, at a transfer fee per address each time plus a one-time activation fee.
Your customers hold USDT on Tron or TON
BitPay's payment list has no Tron or TON, and Coinbase Business takes USDT on Ethereum only. NOWPayments takes USDT on both Tron and TON; CoinPayments takes USDT on Tron but lists none on TON, where Toncoin is marked under maintenance. Unigox takes stablecoins on Tron and TON next to Solana, Robinhood Chain and the major EVM networks.
Your own checkout, payable on several networks
Hosted invoices at NOWPayments, CoinPayments and BitPay let the payer choose a coin on the gateway's own page. If you show payment details on your own screen, a Unigox invoice can carry addresses on several networks under the same reference, so the payment is booked to one record whichever network the customer uses.
Your users also cash out in local currency
A gateway settles to you. If your platform also pays users out to their own bank or mobile money account, the Unigox Payments API does that from USDT or USDC in your partner wallet, as a separate integration.
Five crypto payment gateways and Unigox
| Topic | BitPay | Coinbase Business | NOWPayments | CoinPayments | BTCPay Server | Unigox |
|---|---|---|---|---|---|---|
| Built for | Merchant checkout online, by email invoice and in store, with bank settlement. | One business account to take and send stablecoin payments and trade crypto. | A broad gateway: invoices, plugins, custody, crypto mass payouts and a fiat on-ramp. | Hosted invoices, or deposit addresses your platform manages. | Free software you run yourself; it takes no share of payments. | Stablecoin payments to addresses tied to your invoice or customer reference. |
| Coins and networks | Bitcoin (also Lightning) and other coins; stablecoins on Ethereum, Base, Optimism, Arbitrum, Polygon and Solana. No Tron or TON listed. | USDC on six EVM networks; USDT on Ethereum, in the US and some other places. | 350+ coins, with USDT on Tron, TON, Ethereum, BNB Smart Chain, Solana and Polygon. | 40+ coins, with USDT on Tron; Toncoin is under maintenance. | Bitcoin on-chain and over Lightning; USDT on Tron, Ethereum or Polygon through a plugin. | 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. |
| Payment address | A new invoice for each payment, open for 15 minutes. | A single-use checkout for each payment; payment links can be reusable. | An address per payment, open for 7 days; customer accounts for top-ups, and lasting addresses on its iGaming solution. | Temporary addresses that are recycled, or lasting ones per customer with a one-time activation fee each. | A fresh address from your own wallet for every invoice. | An address per invoice, or one a customer keeps for every top-up, each carrying your reference. |
| Short or extra payment | A short payment is refunded to the payer in full; on an overpayment the invoice is paid and BitPay refunds the extra. | Not stated in its Checkout API overview; completed checkouts can be refunded in full or in part. | Marked partially paid once it arrives; NOWPayments advises against delivering automatically. | An invoice closes within the underpayment tolerance you set; an address takes any amount. | The invoice shows partly paid; the payer sends the rest or asks you for a refund. | Credited as received; your system gets the actual amount and applies your own rules. |
| Where the money lands | Your bank every business day, in one fiat currency, or crypto, or a mix. | USDC in your Coinbase Business account; conversion to dollars carries a fee. | Your wallet or custody balance, converted to a coin you choose; EUR to SEPA through a partner. | Your CoinPayments balance or your own address, with optional conversion. | Straight into the wallet you connect; fiat only through plugins. | Your Unigox balance, in the stablecoin the customer sent. |
| Checkout | Hosted invoice page and plugins for six store platforms. | Payment links, invoices, plugins and an embeddable checkout. | Invoices, payment button, widget, plugins and white label. | Hosted invoices, payment buttons, and WooCommerce and WHMCS plugins. | Its own invoices, with WooCommerce, Shopify, Magento and OpenCart integrations. | You build the screen; it shows the address, network, stablecoin and amount. |
| Pricing | 2% + 25¢ per payment under $500,000 a month, down to 1% + 25¢ from $1,000,000. | A fee on each completed payment, shown once you log in. | 1% service fee, as low as 0.3% by agreement; network fees extra. | 1% per payment, discounted for high monthly volume. | No subscription or transaction fee; you run the server. | No public price list; agreed with you before your first payment. |
| Regulation | US money transmitter licences by state and a New York virtual currency licence. | Coinbase, Inc. lists its licences by US state. | Run by FD Transfers LLC of St. Vincent and the Grenadines; custody, payouts and fiat withdrawal may be provided by third parties. | Wallet services by companies in Panama and New Jersey, or their partners. | Not a company: each merchant runs the software and holds its own funds. | 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. |
UnigoxAdd Unigox crypto processing
Agree the setup on a call
Tell us which coins and networks your customers send and roughly how much a month. Networks, integration access and pricing are settled before any payment.
Tie addresses to your records
Your backend asks for an address against an invoice or customer reference and books each signed notification to that record.
Move payers over gradually
Keep your current gateway for the payments it handles well. Show the new address, with its network and stablecoin, to the customers you move.
Questions about choosing a crypto payment gateway
What is the best crypto payment gateway for a business?
The one built for your job. For store sales paid out to a bank, BitPay. For USDC in one account in the US or Singapore, Coinbase Business. For many coins from one dashboard, NOWPayments or CoinPayments. For bitcoin with no company in between, BTCPay Server. For customers who top up in stablecoins again and again, Unigox.
Which crypto payment providers pay out to a bank account?
BitPay pays a bank every business day in one fiat currency. Coinbase Business can withdraw USDC to your bank, with a fee for converting to dollars. NOWPayments sends EUR to a SEPA account through a partner, and BTCPay Server needs a plugin for fiat. Unigox crypto processing credits stablecoins to your Unigox balance.
Which crypto payment platforms accept USDT on Tron or TON?
NOWPayments lists USDT on both Tron and TON, CoinPayments on Tron, and BTCPay Server takes it on Tron through a plugin. BitPay's list has neither network, and Coinbase Business takes USDT on Ethereum only. Unigox accepts stablecoins on both Tron and TON.
Read the CoinPayments comparisonWhat do the top crypto payment gateways charge?
BitPay publishes 2% plus 25 cents per payment under $500,000 a month, falling with volume. NOWPayments and CoinPayments list 1%, with network fees on top at NOWPayments. Coinbase Business shows its fee after you log in. BTCPay Server charges nothing, but you host it. Unigox agrees pricing with you on a call.
Is the best crypto payment processor one you host yourself?
Only if you can run it. BTCPay Server takes no fee and sends payments straight to your wallet, but you keep the server up and there is no support desk. A third-party host can run it for you, which BTCPay's docs say means trusting that host. A hosted gateway costs a fee and does that work for you.
Can I add Unigox without dropping my current gateway?
Yes. The integrations are separate, so your current gateway can keep store checkout and settlement while Unigox takes repeat stablecoin top-ups. We agree the setup on a call, and you show the new addresses only to the customers you move.
Set up stablecoin payments with us
Tell us which networks your customers pay on, how you reference their payments and your monthly volume. We agree networks, integration access and pricing before you take the first payment.
BitPay, Coinbase Business, NOWPayments, CoinPayments, BTCPay Server 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.