How PYMSTR compares.

Non-custodial. 1% flat. On-chain settlement. See how we stack up against custodial crypto processors, and why we sit beside your card processor, not in front of it.

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//How the crypto payment processors compare7 processors

//custody · fee · setup · high-riskcompiled

	Processor	Custody	Fee	Setup	KYB	High-risk
★	PYMSTR	Non-custodial (funds go straight to your wallet)	1% flat	None	None	Welcome
	CoinsPaid	Custodial (they hold your money; hacked ~$44.5M)	0.5-1.5% + spread + fiat fees (~2-3.5% all-in)	Enterprise contract	Full KYB	Case-by-case
	BitPay	Custodial (settled fiat, they hold in-flight)	1-2% + settlement fees	KYB + compliance review	Full KYB	Prohibits iGaming
	NOWPayments	Custodial-lite (auto-forward option)	0.5% + network + FX	Signup + verification	Yes for most	Case-by-case
	B2BinPay	Custodial hot-wallet	0.25-0.5% + $1,000 setup	$1,000 one-time	Full KYB	Case-by-case
	Alphapo	Partial wind-down; hacked ~$60M in 2023	Enterprise, undisclosed	Enterprise contract	Full KYB	Historical
	Coinbase Commerce	Commerce shut down 03-2026; Payments = Base+USDC only, custodial	Undisclosed	Coinbase account	Full KYB	Bans iGaming

Feature deep-dives

Overview·The stablecoin payment gateway

The Stablecoin Payment Gateway. 1% flat, 5 chains, non-custodial.

USDC + USDT across Ethereum, Base, Polygon, Arbitrum, BNB.
Settles direct to your wallet. PYMSTR never holds the funds.

5 chainsnon-custodial1% flat

Comparison·All-in fees ranked

Crypto Payment Gateway Comparison 2026: the all-in fee tables.

Cards 5-10%+, custodial crypto 2-3.5%, PYMSTR 1% flat.
Fees by monthly volume: $10K, $100K, $500K, $1M compared line by line.

all-in feesby volume2026 data

//Processor reviews4 scored

Processor reviews.

Independent editorial reviews of the major crypto payment processors, scored on custody, fees, and high-risk fit. Read the full breakdown on each.

B2BinPay

3.0

B2BinPay is a custodial stablecoin payment processor headquartered outside the United States. Its 0.25-0.5% headline transaction rate is the lowest in the category, though that rate comes with a $1,000 one-time setup fee, custodial hot-wallet architecture, and no merchant availability in the USA. The right fit depends heavily on jurisdiction, volume, and risk tolerance.

0.25-0.5% per transaction + $1,000 one-time setup fee

Read full review →

CoinsPaid

2.5

CoinsPaid is the biggest name in iGaming crypto payments: a full-service custodial gateway with an OTC desk, business wallet, and an established operator client base. The catch is the architecture. CoinsPaid holds merchant funds in pooled custodial wallets, was hacked for $37.3M in July 2023 (Lazarus Group) and another $7.5M in January 2024, and its 0.5-1.5% headline rate roughly doubles once conversion spreads, withdrawal fees, and inactivity charges are counted.

0.5-1.5% headline + 0.3-0.8% conversion spread + 1-3% fiat withdrawal + $25/mo inactivity (roughly 2-3.5% all-in)

Read full review →

Coinbase Commerce

2.0

Coinbase Commerce was the most recognized name in self-serve crypto checkout, backed by the trust of a public US exchange. That is exactly what makes its discontinuation the story: Coinbase shut the Commerce merchant portal down on March 31, 2026 and replaced it with a fragmented stack. Coinbase Business (fully custodial, US and Singapore only) and Coinbase Payments (an escrow protocol on Base only, USDC only, routed through platforms like Shopify rather than direct signup). For a merchant choosing a processor today, the brand is strong but the product you would actually integrate is either gone or narrow.

Coinbase Payments protocol fee, Base + USDC only, platform-routed; no published direct-merchant rate

Read full review →

Alphapo

1.5

Alphapo was a custodial crypto payment processor built for large iGaming operators: enterprise-only onboarding, negotiated contracts, and hot-wallet infrastructure that served major gambling platforms. In July 2023 the Lazarus Group drained roughly $60M from those hot wallets across multiple chains, and the business never fully recovered. The iGaming market now treats Alphapo as defunct in practice, in a state of partial wind-down, which makes this less a product review and more an operational-collapse case study.

Custom enterprise pricing, never published

Read full review →

//iGaming Crypto Processors2 brands