The right provider is not simply the one with the longest coin list. Compare fees, custody, settlement control, stablecoin support, API/webhook records, risk review, and whether your team wants a managed account, self-hosted server, or direct wallet checkout layer.
XPayr is best for merchants that want checkout sessions, payment links, widgets, API/webhooks, stablecoin rails, direct liquidação de carteira, free testnet evaluatione uma taxa fixa de 0.5% gateway fee.
Coinbase Business, BVNK, and similar platforms may fit better when the business wants account management, fiat connectivity, custody, or enterprise payment operations.
Servidor BTCPay is compelling for technical teams that want open-source self-hosting and are comfortable operating their own payment server.
| # | Gateway | Posicionamento | Best for | Next step |
|---|---|---|---|---|
| 1 | XPayr | Direct liquidação de carteira, Checkout Duplo (Web3 em 1 Clique + QR de Exchange), 21-tool MCP server (@xpayr/mcp-server), AI agent commerce, API/webhooks, 0.5% gateway fee. | Merchants and AI-native teams that want non-custodial checkout, direct settlement, and verifiable registros operacionais. | Review |
| 2 | AGORAPagamentos | Broad crypto payment platform with many tools and currency options. | Teams that want a large catalog and conversion-oriented payment suite. | Review |
| 3 | Pagamentos em Moedas | Long-running gateway with wallet, conversion, withdrawal, and merchant tooling. | Merchants that want gateway plus wallet operations. | Review |
| 4 | Coinbase Business | Business account ecosystem with payments, custody, trading, and offramps. | Companies that want Coinbase as their crypto business platform. | Review |
| 5 | BitPay | Mature provider with business crypto acceptance and fiat/crypto settlement positioning. | Businesses that want a recognized payment provider and bank-settlement style flow. | Review |
| 6 | Servidor BTCPay | Open-source self-hosted payment server. | Technical teams that want maximum self-hosted control. | Review |
| 7 | Cryptomus | Account-led crypto gateway with internal merchant balances, conversion, and payout APIs. | Merchants comparing custodial processor accounts against direct non-custodial liquidação de carteira. | Review |
| 8 | CoinGate | European crypto payment gateway (~1% processing fee) with fiat/crypto settlement options. | Merchants comparing EU fiat bank-settlement gateways against 0.5% direct wallet routing. | Review |
| 9 | Stripe Crypto | Pay-with-Crypto add-on (~1.5% fee) inside US Stripe merchant accounts with fiat USD bank payouts. | Existing US Stripe merchants vs global merchants wanting 0.5% on-chain USDT/USDC settlement. | Review |
| 10 | Triple-A | Licensed fiat-settlement crypto payment institution (~0.8%–1.0% + FX spread) for enterprise accounts. | Enterprises needing bank-wire fiat offramps vs Web3/global teams keeping stablecoin treasury. | Review |
| 11 | PayPal Crypto | Closed-loop US PayPal consumer crypto & PYUSD checkout with custodial business balances. | US consumer brands vs global merchants wanting 0.5% on-chain PYUSD/USDC/USDT direct wallet finality. | Review |
| 12 | Plisio | Crypto gateway with internal dashboard wallets (0.5% hosted, 1.2% white-label tier). | Merchants comparing processor-held balances vs XPayr 100% non-custodial 0.5% white-label checkout. | Review |
| 13 | Helio (MoonPay Commerce) | Web3 & Solana creator checkout platform (2% standard fee or 1% with paid HelioX pass). | Teams cutting 2% fees down to 0.5% while adding TRON TRC-20 USDT & Exchange QR transfers. | Review |
| 14 | BVNK | Custodial enterprise virtual-IBAN and stablecoin treasury platform with custom minimums. | Enterprises comparing custodial virtual IBANs against self-custodial multisig checkout & Central de Repasses. | Review |
| 15 | CryptoCloud | Account-balance crypto processor (0.4%–1.9% + withdrawal fees) popular in Europe/CIS. | Merchants comparing processor-held balances vs XPayr 99.5% direct wallet finality. | Review |
| 16 | CoinRemitter | Gateway-wallet processor charging $99.99/mo Premium to unlock TRON TRC-20 USDT & ERC-20. | USDT/USDC merchants saving $1,200/yr with XPayr $0/mo multi-chain self-custody. | Review |
| 17 | Confirmo | European custodial crypto processor (~0.8% invoicing fee + SEPA/FX settlement). | Teams choosing 0.5% non-custodial USDC/EURC/USDT settlement over custodial balances. | Review |
| 18 | OpenNode | Custodial Bitcoin-only processor (1.0% fee) with no USDT, USDC, Solana, or EVM support. | Merchants adding multi-chain USDT/USDC alongside BTC at half the fee (0.5%). | Review |
| 19 | Speed (TrySpeed) | Custodial Lightning & USDT account processor charging up to 1.0%. | Developers switching to 0.5% non-custodial Solana, Base, Arbitrum & TRON finality. | Review |
| 20 | ALFAcoins | Legacy custodial processor (0.99% fee) with coin-specific minimum payout lockups. | Stores cutting fees to 0.5% with $0 minimum lockups and 20 modern plugins. | Review |
| 21 | ForumPay | Sales-gated enterprise crypto-to-fiat bank processor (~1.0%–1.5%+ & FX spreads). | Enterprises keeping 99.5% on-chain USDC/EURC/USDT with instant POS & API onboarding. | Review |
| 22 | xMoney (Utrust) | European custodial gateway (~1.0% fee) holding merchant funds for SEPA/wallet payouts. | Stores switching to 0.5% instant self-custodial EURC, USDC & USDT across 12 chains. | Review |
| 23 | Alchemy Pay | Custodial fiat-to-crypto ramp and enterprise card acquirer. | Merchants wanting self-serve 0.5% non-custodial crypto checkout & Exchange QR. | Review |
| 24 | Radom | Web3 SaaS subscription platform with feature-tiered billing pricing. | SaaS & AI teams wanting flat 0.5% across subscriptions, Exchange QR, MCP & Kit de Licenças. | Review |
| 25 | Slash Web3 Payments | EVM DEX-router payment protocol subject to pool liquidity and swap gas. | Global teams needing 0% slippage native settlement across Solana, TRON, TON, BTC & EVM. | Review |
| 26 | MoonPay Commerce | Creator & Solana/EVM checkout charging 1%–2% without paid pass tiers. | Merchants wanting flat 0.5% pricing from day one plus TRON, TON & Exchange QR. | Review |
| 27 | Sphere (SpherePay) | Solana-centric payment orchestration and KYB-gated fiat off-ramps. | Self-serve global teams wanting 12-chain non-custodial parity and 24 CMS plugins. | Review |
| 28 | Loop Crypto | Recurring Web3 billing built on buyer ERC-20 wallet pull allowances. | SaaS & AI teams wanting $0/mo + 0.5% renewals without scary unlimited ERC-20 pulls. | Review |
| 29 | BoomFi | Hybrid crypto checkout and account-managed fiat off-ramp platform. | Teams prioritizing 100% non-custodial 99.5% direct wallet finality & MCP tools. | Review |
| 30 | DePay | Web3 DEX-routed wallet widget charging 1.0%–1.5% per payment. | Stores cutting fees up to 67% (0.5%) while adding Binance/Bybit QR, TRON & TON. | Review |
| 31 | 0xProcessing | Sales-gated custodial processor hot-wallet balance & sweep platform. | Operators eliminating processor custody risk via 99.5% direct Player Deposits. | Review |
Mude quando os registros de checkout, a liquidação direta da carteira e o controle operacional da rota são mais importantes do que um catálogo de moedas muito amplo.
Comparação abertaMude quando o objetivo operacional for uma camada de checkout enxuta, em vez de um conjunto de conversão de gateway-carteira.
Comparação abertaMude quando o comerciante desejar infraestrutura de checkout global sem tornar a Coinbase a conta comercial central.
Comparação abertaMude quando a liquidação direta da carteira e a clareza da taxa de gateway mais baixa forem mais importantes do que as operações do provedor de pagamento fiduciário.
Comparação abertaMude quando o checkout gerenciado, as rotas de stablecoin, os registros do painel e o lançamento mais rápido são mais valiosos do que a auto-hospedagem.
Comparação abertaSwitch when eliminating custodial balance freezes, withdrawal queues, and account-held funds matters most.
Comparação abertaSwitch when cutting the 1% gateway fee to 0.5% and receiving instant on-chain USDT/USDC liquidação de carteira outweigh bank-batch payouts.
Comparação abertaSwitch when you want global merchant eligibility, TRON USDT support, native stablecoin treasury retention, and a 0.5% fee instead of 1.5%.
Comparação abertaSwitch when you want immediate API/testnet onboarding, direct stablecoin treasury control, and 0.5% flat fees without FX conversion spreads.
Comparação abertaSwitch when you want global merchant eligibility, on-chain PYUSD/USDC/USDT direct liquidação de carteira, 0.5% fees, and zero PayPal rolling reserves or account freezes.
Comparação abertaSwitch when you want true self-custodial liquidação de carteira (no withdrawal step), white-label branding without a 1.2% markup, and AI/MCP developer tooling.
Comparação abertaSwitch when paying 2% (or buying a monthly pass just to get 1%) hurts margins and your global buyers also demand TRON TRC-20 USDT and Exchange QR transfers.
Comparação abertaSwitch when you want immediate API/MCP integration, zero monthly minimums, and direct self-custodial USDT/USDC treasury control at 0.5%.
Comparação abertaSwitch when you want zero processor balance custody, predictable flat 0.5% pricing without withdrawal fees, and modern OpenAPI 3.1 / MCP agent automation.
Comparação abertaSwitch when paying $99.99/month just to accept USDT/USDC makes no sense and you refuse to keep funds inside processor-generated hot wallets.
Comparação abertaSwitch when you want 100% non-custodial EURC/USDC/USDT direct liquidação de carteira, 0.5% fees, and instant developer Testnet onboarding.
Comparação abertaSwitch when your buyers ask for USDT, USDC, Solana, or EVM checkout and you want 0.5% non-custodial settlement instead of 1.0% custodial BTC-only processing.
Comparação abertaSwitch when you want 100% non-custodial direct wallet finality across Solana, Base, Arbitrum, EURC, and TRON USDT at a flat 0.5% fee.
Comparação abertaSwitch when 0.99% custodial fees, minimum payout lockups, and missing Solana/Base/L2 stablecoin rails slow down your store.
Comparação abertaSwitch when you prefer keeping 99.5% in on-chain USDC/EURC/USDT at a 0.5% fee with instant self-serve API, POS, and SDK onboarding.
Comparação abertaSwitch when you want 0.5% non-custodial EURC, USDC, and USDT settlement straight to your own wallet with zero custodial account holds.
Comparação abertaSwitch when you need pure 0.5% non-custodial merchant crypto checkout, SaaS recurring billing, POS, and AI agent MCP tools.
Comparação abertaSwitch when you want flat 0.5% pricing across all features, QR Direto de Corretoras (Binance/Bybit) conversion, 20 CMS/hosting plugins, and 21-tool MCP + A2A agent support.
Comparação abertaSwitch when you need TRON TRC-20 USDT, Solana USDC, TON, Bitcoin, zero DEX slippage, Exchange QR support, and 20 global e-commerce plugins.
Comparação abertaSwitch when you want flat 0.5% non-custodial crypto checkout with zero membership pass gates, TRON TRC-20 + Binance/Bybit QR, 24 CMS plugins, and AI agent MCP/x402 billing.
Comparação abertaSwitch when you want 100% self-custodial multi-chain settlement across 12 networks (not just Solana/select EVM), 24 ready storefront plugins, and transparent 0.5% pricing.
Comparação abertaSwitch when buyers refuse unlimited ERC-20 pull allowances or want to pay renewals from Binance, Bybit, TRON TRC-20, TON, Hardware Wallets, or Safe multisigs at 0.5%.
Comparação abertaSwitch when you want zero custodial middlemen, open-source v1.0.0 storefront plugins, QR Direto de Corretoras tolerance, and AI agent MCP + A2A v1.0 protocols.
Comparação abertaSwitch when 95%+ of your buyers pay in USDT, USDC, EURC, SOL, ETH, TON, or BTC — or pay from Binance/Bybit — and you refuse to pay 1.5% + DEX swap gas.
Comparação abertaSwitch when treasury security demands zero processor custody, $0 sweep/withdrawal fees, instant self-serve API keys, and deterministic user_id deposit webhooks.
Comparação aberta