BitPay vs CoinPayments: crypto payment gateway fees compared
Updated 2026-11-10 · listed A to Z, not ranked
BitPay and CoinPayments are hosted crypto payment gateways: a business shows a checkout or invoice and the customer pays in crypto. This page puts the fees each one publishes side by side.
Every figure is quoted from the official pricing page, read on Nov 10, 2026. Network fees, conversion and payout fees can apply on top. We don’t rank them or pick a winner.
- Published processing fee
- 2% + $0.25 per transaction under $500,000 a month
- Lower rates
- 1.5% + $0.25 from $500,000 a month; 1% + $0.25 from $1,000,000 (rates adjust automatically with monthly volume; higher fees for high-risk industries)
- Withdrawals, payouts and network fees
- Daily fiat settlement to your bank; settle in local currency, crypto or a mix
- Coins
- Bitcoin, Bitcoin Cash, Ethereum, Dogecoin, USDC and other listed coins
- Published processing fee
- 3% payment processing to your balance
- Lower rates
- No lower rate published on the fees page
- Withdrawals, payouts and network fees
- No CoinPayments withdrawal fee; you pay the blockchain network fee. ASAP mode adds a network fee per payment, Nightly mode one network fee per batch
- Coins
- 100+ cryptocurrencies for payments (legacy platform list)
How we checked: Fees quoted from bitpay.com, coinpayments.net on Nov 10, 2026. Worked costs on $100 and $1,000 are our arithmetic from the headline rate only.
BitPay vs CoinPayments: what a $100 and a $1,000 payment cost
Headline processing fee only, applied to one payment. Network, conversion and payout fees are extra.
| Gateway | Headline fee | On $100 | On $1,000 | Source |
|---|---|---|---|---|
| BitPay | 2% + $0.25 | $2.25 | $20.25 | bitpay.com/pricing |
| CoinPayments | 3% | $3.00 | $30.00 | coinpayments.net/help-fees |
Listed A to Z, not by price. Negotiated rates (where offered), conversion, payout and network fees change the total, so we don’t pick a winner.
How they differ
- BitPay: 2% + $0.25 per transaction under $500,000 a month. 1.5% + $0.25 from $500,000 a month; 1% + $0.25 from $1,000,000 (rates adjust automatically with monthly volume; higher fees for high-risk industries).
- CoinPayments: 3% payment processing to your balance. No lower rate published on the fees page.
- Getting paid out: BitPay: daily fiat settlement to your bank; settle in local currency, crypto or a mix. CoinPayments: no CoinPayments withdrawal fee; you pay the blockchain network fee. ASAP mode adds a network fee per payment, Nightly mode one network fee per batch.
FAQ
Is BitPay or CoinPayments cheaper?
We do not pick a winner. On Nov 10, 2026 BitPay listed 2% + $0.25 and CoinPayments listed 3% as headline processing fees; negotiated rates, conversion, payout and network fees change the total, so compare your own volume.
What does BitPay charge?
2% + $0.25 per transaction under $500,000 a month; 1.5% + $0.25 from $500,000 a month; 1% + $0.25 from $1,000,000 (rates adjust automatically with monthly volume; higher fees for high-risk industries) (bitpay.com, Nov 10, 2026).
What does CoinPayments charge?
3% payment processing to your balance; no lower rate published on the fees page (coinpayments.net, Nov 10, 2026).
Where do these figures come from?
Each provider’s official pricing page, read on Nov 10, 2026. Fees change often: confirm with the provider before you sign up.
Sources (official pages, read 2026-11-10)
- bitpay.com
- bitpay.com/pricing
- coinpayments.net
- coinpayments.net/help-fees
- coinpayments.net/supported-coins
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