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BitPay alternatives: crypto payment gateways

Updated Nov 9, 2026. Listed A to Z, not ranked. Prices change often: confirm with each provider.

BitPay charges merchants a percentage plus 25¢ per transaction, tiered by monthly volume. If you are comparing fee structures, or want to charge AI agents per API call in stablecoins, these are the options, A to Z.

Published merchant fees are first for reference. For the full table see crypto payment gateways compared; head-to-heads: BitPay vs CoinGate, CoinPayments vs NOWPayments.

Published merchant fees (for reference)

ProviderPublished pricingNotes
BitPay2% + 25¢ under $500k/mo; 1.5% + 25¢ to $1M; 1% + 25¢ aboveHigher for high-risk industries
CoinGate1% (Standard), no monthly fee1% on manual exchanges
CoinPayments3% payment processingPlus network fees
NOWPaymentsFrom 1%; up to 1.5% with conversionNetwork fees at cost

Quoted from each provider’s official pricing page on Nov 9, 2026.

Payment tools in our directory (5)

ToolWhat it doesHow you payPublished priceLinks
AnySpendAccept crypto payments from 90+ blockchains with one link, with cross-chain swaps, fiat onramps and payment links.USDC per call (x402)See provider (checked 2026-10-21)Listing
AsterPayPayment facilitator that converts agent payments (x402, MPP) in USDC to euros paid out over SEPA Instant.USDC per call (x402)$0.006–$0.03 per call (listing) (checked 2026-10-22)Listing
PayAIx402 payment facilitator for AI agents and apps that accepts stablecoin payments across supported Solana and EVM networks with one integration.USDC per call (x402)See provider (checked 2026-10-21)Listing · Pricing
Stripe x402Stripe documentation for accepting x402 machine payments from automated systems and AI agents in stablecoins.USDC per call (x402)See provider (checked 2026-10-21)Listing
thirdweb x402thirdweb's x402 tooling for instant payments to APIs, websites and autonomous agents, with client and server SDKs.USDC per call (x402)See provider (checked 2026-10-21)Listing · Pricing

Choosing an alternative

  • Checkout for shoppers: CoinGate, CoinPayments and NOWPayments run hosted checkouts like BitPay.
  • Payment links across chains: AnySpend accepts payments from many chains through one link.
  • Charging AI agents per API call: x402 tools such as PayAI, thirdweb x402 and Stripe’s x402 support let an API ask for USDC per request; see accept USDC for your API.

FAQ

What is a good BitPay alternative?
CoinGate, CoinPayments and NOWPayments are hosted crypto gateways with different fees; x402 tools suit APIs that charge agents per call. We list them A to Z, not ranked.
What are BitPay’s fees?
2% + 25¢ under $500,000 of monthly volume, 1.5% + 25¢ to $999,999 and 1% + 25¢ above (bitpay.com, Nov 9, 2026).

Sources (read Nov 9, 2026): www.bitpay.com/pricing · coingate.com/pricing · www.coinpayments.net/help-fees · nowpayments.io/pricing

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