Cryptomus Alternatives for Merchants in 2026

The most common Cryptomus alternatives for merchants are NOWPayments, Plisio, OxaPay, CoinGate, Heleket, CoinPayments, the self-hosted BTCPay Server and newer gateways such as Zypher. Which one fits depends on what pushed you to look: the fee for new accounts, the onboarding process, the coins and networks you need, or simply wanting a second provider so one outage doesn't stop your sales.

As of October 2026, Cryptomus's payment fee page lists 2% per transaction for new users, with rates down to 0.4% available on request. In a reply on Trustpilot dated March 2025, the company said KYC had become mandatory for continued access to the platform. Neither of these makes Cryptomus a bad choice, but both are reasons merchants compare options.

Below is a comparison table with sources, short notes on each provider, and a step-by-step plan for switching or adding a second gateway.

Why merchants look for a Cryptomus alternative

Reasons we see most often, in no particular order:

• Starting rate. A new store on a 2% rate pays twice what it would at 1%, and negotiated rates usually require volume and a conversation with a manager.

• Onboarding changes. Mandatory identity verification changes the setup for some merchants, especially those operating across several countries. Requirements that depend on country can also change over time.

• Coverage. A store may need a specific coin or network, for example USDT on TON, or Monero.

• Redundancy. Running two gateways lets you switch traffic if one has a problem, and gives you a negotiating position on fees.

Whatever the reason, choose a provider whose requirements fit your business and the rules where you operate, not one that promises to help you avoid them.

What to compare

Fees, all of them

The headline percentage is only part of the cost. Check:

• whether the rate drops automatically with volume or only on request

• who pays network fees on incoming payments

• withdrawal and payout fees

• conversion fees if you swap coins into a stablecoin

• whether white-label (paying inside your own UI) costs more than a hosted page

Coins and networks

List what your customers actually pay with. For many stores that means USDT on TRC20 and BEP20 first, then BTC, ETH, USDC and others. If you are unsure which networks matter, our comparison of USDT TRC20 vs BEP20 vs ERC20 walks through it.

Onboarding and compliance

Ask what documents are needed to open an account, what triggers further checks, and whether incoming payments are screened for AML risk. Screening protects you too: it lowers the chance of receiving funds that later cause problems with exchanges.

Integration

Plugins for your platform, a documented API, signed webhooks, and a hosted payment page that handles underpaid and expired invoices clearly. A plugin that matches your CMS can save days.

Settlement and conversion

Can you keep coins, auto-convert to one stablecoin, and withdraw to any address? Is bank settlement offered, and what verification does it need?

Cryptomus alternatives compared

All fees are merchant processing fees as of October 2026, per each provider's own pricing page. Network fees, payouts and conversions are usually charged separately. Check the source before deciding, because these pages change.

NOWPayments

A hosted gateway with a published 1% service fee and loyalty discounts. A natural first comparison if you want a similar hosted model with a lower starting rate. Check its coin list and plugins against your setup.

Plisio

Publishes a low 0.5% rate for API integrations and a separate 1.5% rate for white label. Good value if a standard hosted checkout or API flow works for you.

OxaPay

Publishes 1.5% for merchant invoices and links, 2% for white label, and says rates can be reduced to 0.4% depending on your business. Worth a conversation if your volume is high enough to negotiate.

Heleket

Advertises fees "from 0.4%" on its homepage and says the exact fee depends on plan and volume. Since no full schedule is published, ask for your rate in writing before integrating.

CoinGate

An EU-regulated gateway that verifies the businesses it works with. A fit for companies that want a regulated counterparty and are comfortable providing documents. Note that payouts are priced separately from processing.

CoinPayments

Publishes a 3% fee on incoming payments plus network fees. Compare its coin list and settlement options with the others before deciding on price alone.

BTCPay Server

Free, open-source and self-hosted, with no intermediary holding your funds. You take on hosting, updates, backups and wallet or node connections. A strong choice for technical teams focused on Bitcoin; check support for any stablecoins and networks you need.

Zypher

Zypher is a hosted gateway and wallet. The commission starts at 1% and moves down automatically as your 30-day paid volume grows: 0.75% from $10k, 0.5% from $50k, 0.35% from $250k and 0.25% from $1M. The tier is recalculated hourly, with no request or manager needed, and there are no setup or monthly fees.

It supports USDT on TRC20, ERC20, BEP20, TON and Solana, USDC on five networks, plus BTC, ETH, LTC, XMR, SOL, TRX, BNB, DOGE, DAI and Toncoin (see all supported coins). Opening a store and getting API keys needs no documents and takes about a minute; incoming payments are screened for AML risk. There are plugins for WooCommerce, WHMCS, OpenCart, PrestaShop, 1C-Bitrix and popular forum engines, and auto-convert can swap every payment into one coin such as USDT.

What Zypher doesn't offer today: a sandbox, a mass payouts API, SDK libraries, recurring auto-charge or fiat bank settlement. If any of these is essential for you, factor it in.

How to switch without losing orders

Moving gateways is mostly an integration job. Plan it like one.

1. Inventory your current setup

Note every place the current gateway is wired in: checkout, invoice emails, billing system, plugins, webhook endpoints and any payouts you trigger through it. Export your transaction history.

2. Open the new account and configure the store

Create the store, enable the coins and networks your customers use, set success and fail redirect URLs, and if you want a single settlement currency, turn on auto-convert. Restrict API access to your server IPs if the provider supports an allowlist; Zypher does, per store.

3. Integrate in parallel

Install the new plugin or add the new API client next to the old one. If you use a plugin, the steps are generic: install it, paste the store's API key and secret, copy the webhook URL into the store settings, and test.

For a custom integration, Zypher requests are signed with X-API-Sign, a hex HMAC-SHA256 of the JSON body using your API secret, and webhooks carry X-Webhook-Signature, an HMAC-SHA256 of the raw body. The API docs describe the fields.

4. Test with real money

Zypher has no test mode, and many gateways don't. Create a small invoice on a cheap network, such as USDT on TRC20 or BEP20, pay it yourself and confirm the order updates. Then test an expired invoice and an underpaid one.

5. Switch new orders, finish old ones

Route new checkouts to the new gateway. Leave the old webhook running until every open invoice has been paid or expired, then withdraw the remaining balance and remove the old integration.

6. Tell customers

If returning customers are used to particular coins or networks, tell them what you accept now and update payment instructions in emails and help pages.

Legal note

This article is general information, not legal or tax advice. Rules on accepting crypto, verifying customers and reporting income differ by country, so check what applies to your business before choosing a provider.

If you are also leaving Coinbase Commerce, see our guide to Coinbase Commerce alternatives. To compare Zypher's tiers in detail, open the pricing page, or create a store and run a test invoice.

FAQ

What is the best Cryptomus alternative?

There is no single best option. Merchants focused on a low published rate often compare Plisio, NOWPayments and Zypher; EU businesses that want a regulated provider look at CoinGate; technical teams that want full custody choose BTCPay Server. Compare fees, networks and onboarding against your own needs.

Is Cryptomus KYC mandatory?

In a Trustpilot reply dated March 2025, Cryptomus said KYC had become mandatory for continued access to its platform. Requirements can change, so check Cryptomus's current terms for the latest position.

Which Cryptomus alternative has the lowest fees?

Published starting rates as of October 2026 range from 0.5% (Plisio, API) to 3% (CoinPayments), with several providers offering lower negotiated rates. Zypher's rate falls automatically from 1% to 0.25% by volume. Always add network, payout and conversion costs before comparing.

Can I use two crypto payment gateways at once?

Yes. Many merchants run a primary and a backup gateway, or offer different gateways for different coins. The main cost is maintaining two integrations and two sets of webhook handlers.

Do Cryptomus alternatives require documents?

It varies. CoinGate verifies businesses, while other providers let you open an account with fewer requirements. Zypher needs no documents to open a store and get API keys, and screens incoming payments for AML risk.