CryptoPayIn vs BitPay
BitPay built the first serious crypto payment company and remains the establishment choice. This page is for merchants who want what BitPay can't offer: an account without identity, a fee without tiers, and coins without a compliance filter.
Founded in 2011, BitPay is the elder statesman of crypto payments: publicly courted by enterprises, deeply integrated with US accounting stacks, able to settle your crypto sales as dollars in a bank account. If those are your requirements, BitPay is a rational choice, and this page will not pretend otherwise.
The costs of that model are equally real. Onboarding is full KYB — company documents, beneficial owners, bank details — with days-to-weeks of review and entire industries excluded by policy. Published pricing is tiered from 1% to 2% plus $0.25 per invoice. Privacy assets are absent: no Monero, and chain-surveillance requirements shape what can ever be listed. And like every regulated custodian, BitPay can pause payouts while compliance re-examines an account.
CryptoPayIn is the inverse trade: no fiat settlement and no enterprise sales team — in exchange for an account that exists in one click with no identity, a single 1% fee at every volume, first-class Monero support, and a balance that is architecturally impossible to freeze.
BitPay vs CryptoPayIn, dimension by dimension
Competitor details reflect published pricing and policies as of July 2026 — always verify current terms with the provider.
| Dimension | BitPay | CryptoPayIn |
|---|---|---|
| Processing fee | 1–2% + $0.25 per invoice (tiered) | 1% flat, no fixed fee |
| KYC / KYB | Full KYB, days–weeks of review | None — one-click key account |
| Excluded industries | Extensive prohibited list | Lawful commerce; no application to reject |
| Monero (XMR) | Not supported | First-class support |
| Fund freezes | Possible during compliance review | Structurally impossible |
| Fiat (bank) settlement | Yes — USD/EUR bank payouts | No — crypto payouts to your wallet |
| Chargebacks | None (on-chain) | None (on-chain) |
| Signup to first invoice | Days to weeks | About 30 seconds |
You are a registered company that needs crypto sales to arrive as dollars in a bank account, you want an enterprise vendor with account managers, or your procurement team requires a US-regulated counterparty.
You want to start collecting today without paperwork, you refuse fund-freeze risk, you need Monero or meme-coin coverage, or the extra 0.25–1% + $0.25 per invoice is margin you'd rather keep.
Create your account →BitPay switchers ask
Is CryptoPayIn cheaper than BitPay?
At published rates, yes for most merchants: BitPay tiers run 1–2% plus a $0.25 fixed fee per invoice, while CryptoPayIn is 1% with no fixed fee. On a $20 basket, $0.25 alone is 1.25 extra points.
Does BitPay really freeze funds?
Like any regulated custodian, BitPay can hold payouts during compliance review — its terms allow it and merchant forums document cases. CryptoPayIn has no compliance-hold mechanism at all.
Can BitPay settle to my bank account while CryptoPayIn cannot?
Correct — that is the fundamental trade. BitPay offers fiat settlement because it is a regulated financial company (hence KYB). CryptoPayIn settles exclusively on-chain to wallets you control, which is what makes no-KYC possible.
Which supports more currencies?
BitPay lists roughly 15–20 settlement assets, curated by compliance. CryptoPayIn lists 12 — but the list includes Monero, SHIB and PEPE, which BitPay will not touch, and every asset is available to every account from day one.
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The switch takes one afternoon.
One endpoint, one webhook, no KYC and a flat 1% fee. Your first invoice can settle today.