{
  "dataset": "Crypto Payment Gateways 2026",
  "version": "1.3.0",
  "publisher": "Shieldz",
  "publisher_url": "https://shieldz.cash",
  "canonical": "https://shieldz.cash/blog/custody-gap-crypto-payment-gateways",
  "published": "2026-08-20",
  "updated": "2026-09-03",
  "license": "CC BY 4.0",
  "license_url": "https://creativecommons.org/licenses/by/4.0/",
  "methodology": "Classification of crypto payment gateways by published custody model, per-transaction fee, KYC requirement, coin coverage, fiat settlement and Lightning support, from provider pricing pages and docs as of August 2026. The published study (study_cohort=true) covers 50 gateways; this is a living dataset that also lists additional verified gateways (study_cohort=false). Rows with verified=false could not have their fee confirmed on an official page. Custody is an editorial classification based on each provider docs.",
  "field_dictionary": {
    "name": "Provider name",
    "url": "Official website",
    "fee_pct": "Standard advertised platform/processing fee, percent per transaction",
    "fee_note": "Human-readable fee detail",
    "custody": "custodial = provider wallet receives first; non-custodial = settles to a wallet the merchant controls; self-hosted = merchant runs the software; hybrid = depends on configuration",
    "kyc": "Merchant KYC to start accepting: none | optional | required",
    "coins": "Approximate count of supported cryptocurrencies",
    "settlement_fiat": "Whether the merchant can settle or withdraw to fiat currency",
    "lightning": "Bitcoin Lightning Network support",
    "founded": "Year the product/company launched",
    "notable": "Short editorial note on what the provider is known for",
    "verified": "true = fee confirmed on an official page or reputable source",
    "source_url": "Page used for the fee/classification",
    "study_cohort": "true = part of the published 50-gateway August 2026 study; false = additional gateway in the living dataset"
  },
  "counts": {
    "total": 87,
    "study_cohort": 50,
    "additional": 37
  },
  "summary": {
    "study_cohort": {
      "n": 50,
      "custodial": 32,
      "non_custodial": 12,
      "self_hosted": 2,
      "hybrid": 4,
      "pct_custodial": 64,
      "pct_non_custodial": 24,
      "kyc_required": 29,
      "kyc_optional": 6,
      "kyc_none": 15,
      "pct_kyc_required": 58,
      "median_fee_pct": 1,
      "zero_platform_fee": 10,
      "fiat_settlement": 33,
      "pct_fiat_settlement": 66,
      "lightning": 12,
      "verified": 43
    },
    "full_dataset": {
      "n": 87,
      "custodial": 57,
      "non_custodial": 21,
      "self_hosted": 4,
      "hybrid": 5,
      "pct_custodial": 66,
      "pct_non_custodial": 24,
      "kyc_required": 53,
      "kyc_optional": 9,
      "kyc_none": 25,
      "pct_kyc_required": 61,
      "median_fee_pct": 1.0,
      "zero_platform_fee": 18,
      "fiat_settlement": 60,
      "pct_fiat_settlement": 69,
      "lightning": 16,
      "verified": 60
    }
  },
  "gateways": [
    {
      "name": "Shieldz",
      "url": "https://shieldz.cash",
      "fee_pct": 0,
      "fee_note": "$0 platform fee; buyer pays network gas",
      "custody": "non-custodial",
      "kyc": "none",
      "coins": 20,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2026,
      "notable": "Non-custodial, $0 fee, no KYC; pay any coin, settle in one",
      "verified": true,
      "source_url": "https://shieldz.cash/pricing",
      "study_cohort": true
    },
    {
      "name": "BitPay",
      "url": "https://bitpay.com",
      "fee_pct": 2,
      "fee_note": "2% + $0.25; 1% + $0.25 at $1M+/mo",
      "custody": "custodial",
      "kyc": "required",
      "coins": 20,
      "settlement_fiat": true,
      "lightning": true,
      "founded": 2011,
      "notable": "Oldest major crypto processor; daily fiat bank settlements",
      "verified": true,
      "source_url": "https://bitpay.com/pricing",
      "study_cohort": true
    },
    {
      "name": "Coinbase Commerce",
      "url": "https://www.coinbase.com/commerce",
      "fee_pct": 1,
      "fee_note": "1% per transaction",
      "custody": "hybrid",
      "kyc": "required",
      "coins": 10,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2018,
      "notable": "Shut down March 2026; successor Coinbase Business is custodial, US/SG only",
      "verified": true,
      "source_url": "https://www.coinbase.com/commerce",
      "study_cohort": true
    },
    {
      "name": "CoinGate",
      "url": "https://coingate.com",
      "fee_pct": 1,
      "fee_note": "1% per transaction",
      "custody": "custodial",
      "kyc": "required",
      "coins": 70,
      "settlement_fiat": true,
      "lightning": true,
      "founded": 2014,
      "notable": "EU-based gateway; Lightning enabled by default",
      "verified": true,
      "source_url": "https://www.coingate.com/pricing",
      "study_cohort": true
    },
    {
      "name": "NOWPayments",
      "url": "https://nowpayments.io",
      "fee_pct": 1.0,
      "fee_note": "1% single-currency; 1.5% multi-currency; volume discounts to 0.3%",
      "custody": "non-custodial",
      "kyc": "optional",
      "coins": 350,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2019,
      "notable": "Auto-forwarding with 350+ supported currencies",
      "verified": true,
      "source_url": "https://nowpayments.io/pricing",
      "study_cohort": true
    },
    {
      "name": "CoinPayments",
      "url": "https://www.coinpayments.net",
      "fee_pct": 3.0,
      "fee_note": "3% for coins and tokens, plus network fees",
      "custody": "custodial",
      "kyc": "required",
      "coins": 100,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2013,
      "notable": "Veteran multi-coin processor operating since 2013",
      "verified": true,
      "source_url": "https://www.coinpayments.net/help-fees",
      "study_cohort": true
    },
    {
      "name": "OpenNode",
      "url": "https://opennode.com",
      "fee_pct": 1,
      "fee_note": "1% per transaction; free Lightning withdrawals",
      "custody": "custodial",
      "kyc": "required",
      "coins": 1,
      "settlement_fiat": true,
      "lightning": true,
      "founded": 2018,
      "notable": "Bitcoin-only, Lightning-first processor",
      "verified": true,
      "source_url": "https://opennode.com/pricing/",
      "study_cohort": true
    },
    {
      "name": "BTCPay Server",
      "url": "https://btcpayserver.org",
      "fee_pct": 0,
      "fee_note": "0% fees; you pay your own hosting",
      "custody": "self-hosted",
      "kyc": "none",
      "coins": 1,
      "settlement_fiat": false,
      "lightning": true,
      "founded": 2017,
      "notable": "Free open-source self-hosted processor; altcoins via plugins",
      "verified": true,
      "source_url": "https://btcpayserver.org/",
      "study_cohort": true
    },
    {
      "name": "Blockonomics",
      "url": "https://www.blockonomics.co",
      "fee_pct": 1,
      "fee_note": "1% per transaction; first 20 free",
      "custody": "non-custodial",
      "kyc": "none",
      "coins": 3,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2015,
      "notable": "Direct-to-wallet Bitcoin payments with no KYC",
      "verified": true,
      "source_url": "https://www.blockonomics.co",
      "study_cohort": true
    },
    {
      "name": "CoinsPaid",
      "url": "https://coinspaid.com",
      "fee_pct": 0.8,
      "fee_note": "~0.8% typical; quoted per merchant",
      "custody": "custodial",
      "kyc": "required",
      "coins": 20,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2014,
      "notable": "High-volume processor favored by iGaming merchants",
      "verified": false,
      "source_url": "https://coinspaid.com",
      "study_cohort": true
    },
    {
      "name": "Confirmo",
      "url": "https://confirmo.com",
      "fee_pct": 0.8,
      "fee_note": "0.8% invoicing; 0.5% payouts",
      "custody": "custodial",
      "kyc": "required",
      "coins": 10,
      "settlement_fiat": true,
      "lightning": true,
      "founded": 2014,
      "notable": "MiCA-licensed stablecoin-first EU gateway",
      "verified": true,
      "source_url": "https://confirmo.com",
      "study_cohort": true
    },
    {
      "name": "Plisio",
      "url": "https://plisio.net",
      "fee_pct": 0.5,
      "fee_note": "0.5% gateway fee",
      "custody": "custodial",
      "kyc": "none",
      "coins": 12,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2018,
      "notable": "No-KYC signup with a single flat 0.5% fee",
      "verified": true,
      "source_url": "https://plisio.net/pricing",
      "study_cohort": true
    },
    {
      "name": "Cryptomus",
      "url": "https://cryptomus.com",
      "fee_pct": 2,
      "fee_note": "2% standard; negotiable to 0.4%",
      "custody": "custodial",
      "kyc": "required",
      "coins": 120,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2022,
      "notable": "Negotiable fees; popular with high-risk and SaaS merchants",
      "verified": true,
      "source_url": "https://cryptomus.com/fees/payment",
      "study_cohort": true
    },
    {
      "name": "Binance Pay",
      "url": "https://pay.binance.com",
      "fee_pct": 0,
      "fee_note": "0% payments; 0.8% payouts (cap $5)",
      "custody": "custodial",
      "kyc": "required",
      "coins": 100,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2021,
      "notable": "Zero-fee payments inside the Binance ecosystem",
      "verified": true,
      "source_url": "https://pay.binance.com",
      "study_cohort": true
    },
    {
      "name": "TripleA",
      "url": "https://www.triple-a.io",
      "fee_pct": 0.8,
      "fee_note": "0.8% per transaction, volume-tiered",
      "custody": "custodial",
      "kyc": "required",
      "coins": 6,
      "settlement_fiat": true,
      "lightning": true,
      "founded": 2017,
      "notable": "First MAS-licensed crypto payments firm; bank-grade settlement",
      "verified": true,
      "source_url": "https://www.triple-a.io",
      "study_cohort": true
    },
    {
      "name": "Alchemy Pay",
      "url": "https://alchemypay.org",
      "fee_pct": 1,
      "fee_note": "custom; reported ~0.8-2.5%",
      "custody": "custodial",
      "kyc": "required",
      "coins": 5,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2017,
      "notable": "Hybrid fiat-crypto ramp network across 173 countries",
      "verified": false,
      "source_url": "https://alchemypay.org",
      "study_cohort": true
    },
    {
      "name": "xMoney",
      "url": "https://www.xmoney.com",
      "fee_pct": 1,
      "fee_note": "1% flat with instant fiat settlement",
      "custody": "custodial",
      "kyc": "required",
      "coins": 10,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2017,
      "notable": "Formerly Utrust; MiCA-aligned EU crypto payments",
      "verified": true,
      "source_url": "https://www.xmoney.com",
      "study_cohort": true
    },
    {
      "name": "B2BinPay",
      "url": "https://b2binpay.com",
      "fee_pct": 0.25,
      "fee_note": "0.25-0.40% incoming by volume tier; 0% outgoing; enterprise from 0.05%",
      "custody": "custodial",
      "kyc": "required",
      "coins": 300,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2017,
      "notable": "Enterprise processor for brokers, exchanges, iGaming",
      "verified": true,
      "source_url": "https://b2binpay.com",
      "study_cohort": true
    },
    {
      "name": "Mercuryo",
      "url": "https://mercuryo.io",
      "fee_pct": 1,
      "fee_note": "~1% acceptance; ramp fees higher",
      "custody": "custodial",
      "kyc": "required",
      "coins": 40,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2018,
      "notable": "On/off-ramp infrastructure embedded in major web3 wallets",
      "verified": false,
      "source_url": "https://mercuryo.io",
      "study_cohort": true
    },
    {
      "name": "Whitepay",
      "url": "https://whitepay.com",
      "fee_pct": 1,
      "fee_note": "1% base fee",
      "custody": "custodial",
      "kyc": "required",
      "coins": 200,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2020,
      "notable": "WhiteBIT-powered POS; known for Ukraine crypto donations",
      "verified": true,
      "source_url": "https://whitepay.com/product/crypto-acquiring",
      "study_cohort": true
    },
    {
      "name": "SpectroCoin",
      "url": "https://spectrocoin.com",
      "fee_pct": 1,
      "fee_note": "1% per paid order",
      "custody": "custodial",
      "kyc": "required",
      "coins": 30,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2013,
      "notable": "Lithuanian exchange-wallet combo with merchant tools",
      "verified": true,
      "source_url": "https://docs.spectrocoin.com/docs/fees",
      "study_cohort": true
    },
    {
      "name": "ALFAcoins",
      "url": "https://www.alfacoins.com",
      "fee_pct": 0.99,
      "fee_note": "0.99% per transaction",
      "custody": "custodial",
      "kyc": "optional",
      "coins": 10,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2013,
      "notable": "Veteran processor; fiat-pegged settlements paid in crypto",
      "verified": true,
      "source_url": "https://www.alfacoins.com/merchant",
      "study_cohort": true
    },
    {
      "name": "CoinRemitter",
      "url": "https://coinremitter.com",
      "fee_pct": 0.23,
      "fee_note": "0.23% on withdrawal only",
      "custody": "custodial",
      "kyc": "none",
      "coins": 13,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2018,
      "notable": "No-KYC gateway with a 0.23% headline fee",
      "verified": true,
      "source_url": "https://coinremitter.com/fees",
      "study_cohort": true
    },
    {
      "name": "MyCryptoCheckout",
      "url": "https://mycryptocheckout.com",
      "fee_pct": 0,
      "fee_note": "0% fees; $49/yr unlimited plan",
      "custody": "non-custodial",
      "kyc": "none",
      "coins": 100,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2017,
      "notable": "WordPress plugin, direct wallet-to-wallet payments",
      "verified": true,
      "source_url": "https://mycryptocheckout.com",
      "study_cohort": true
    },
    {
      "name": "Whalestack",
      "url": "https://www.whalestack.com",
      "fee_pct": 0.5,
      "fee_note": "0.5% settlement fee",
      "custody": "custodial",
      "kyc": "required",
      "coins": 6,
      "settlement_fiat": true,
      "lightning": true,
      "founded": 2019,
      "notable": "Formerly COINQVEST; EU-licensed, Stellar settlements; site unreachable Sep 2026",
      "verified": false,
      "source_url": "https://www.whalestack.com/en/pricing",
      "study_cohort": true
    },
    {
      "name": "Bitpace",
      "url": "https://www.bitpace.com",
      "fee_pct": 1,
      "fee_note": "unpublished; ~0.5-1% custom",
      "custody": "custodial",
      "kyc": "required",
      "coins": 70,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2016,
      "notable": "EU/UK-licensed gateway popular in iGaming",
      "verified": false,
      "source_url": "https://www.bitpace.com",
      "study_cohort": true
    },
    {
      "name": "Radom",
      "url": "https://radom.com",
      "fee_pct": 0.5,
      "fee_note": "0.5% + $0.50 per transaction",
      "custody": "hybrid",
      "kyc": "required",
      "coins": 12,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2022,
      "notable": "Regulated EU VASP; subscriptions and invoicing",
      "verified": true,
      "source_url": "https://radom.com/pricing",
      "study_cohort": true
    },
    {
      "name": "BoomFi",
      "url": "https://www.boomfi.xyz",
      "fee_pct": 1,
      "fee_note": "1% + $0.25 crypto; 2% + $0.25 to fiat",
      "custody": "non-custodial",
      "kyc": "required",
      "coins": 10,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2022,
      "notable": "Non-custodial gateway with subscriptions and off-ramp",
      "verified": true,
      "source_url": "https://docs.boomfi.xyz/docs/pricing-and-fees",
      "study_cohort": true
    },
    {
      "name": "Loop Crypto",
      "url": "https://www.loopcrypto.xyz",
      "fee_pct": 1,
      "fee_note": "1% per transaction",
      "custody": "non-custodial",
      "kyc": "optional",
      "coins": 10,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2021,
      "notable": "Crypto autopay subscriptions with Stripe integration; site unreachable Sep 2026",
      "verified": false,
      "source_url": "https://www.loopcrypto.xyz",
      "study_cohort": true
    },
    {
      "name": "Copperx",
      "url": "https://copperx.io",
      "fee_pct": 0.5,
      "fee_note": "~0.5% per transaction",
      "custody": "custodial",
      "kyc": "required",
      "coins": 5,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2022,
      "notable": "Stablecoin-first; settles to 50+ fiat currencies",
      "verified": true,
      "source_url": "https://copperx.io/pricing",
      "study_cohort": true
    },
    {
      "name": "Request Finance",
      "url": "https://www.request.finance",
      "fee_pct": 0,
      "fee_note": "SaaS plans; 0.95-1.5% off-ramp",
      "custody": "non-custodial",
      "kyc": "optional",
      "coins": 100,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2020,
      "notable": "Crypto invoicing, payroll and AP/AR suite",
      "verified": true,
      "source_url": "https://www.request.finance",
      "study_cohort": true
    },
    {
      "name": "DePay",
      "url": "https://depay.com",
      "fee_pct": 1.5,
      "fee_note": "1.5% flat; 0% self-hosted open source",
      "custody": "non-custodial",
      "kyc": "none",
      "coins": 1000,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2020,
      "notable": "Web3 payments with on-the-fly token conversion",
      "verified": true,
      "source_url": "https://depay.com/pricing",
      "study_cohort": true
    },
    {
      "name": "Sphere",
      "url": "https://spherepay.co",
      "fee_pct": 0.5,
      "fee_note": "0.5% + $0.05 per transaction",
      "custody": "custodial",
      "kyc": "required",
      "coins": 3,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2022,
      "notable": "Solana-born stablecoin ramps with ACH/SEPA/PIX rails",
      "verified": true,
      "source_url": "https://spherepay.co",
      "study_cohort": true
    },
    {
      "name": "MoonPay Commerce (ex-Helio)",
      "url": "https://www.moonpay.com/business/commerce",
      "fee_pct": 2,
      "fee_note": "Helio-era pricing (2%; 1% with HelioX); current fees unpublished since rebrand",
      "custody": "non-custodial",
      "kyc": "optional",
      "coins": 100,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2022,
      "notable": "Helio acquired by MoonPay, relaunched as MoonPay Commerce Oct 2025",
      "verified": false,
      "source_url": "https://www.moonpay.com/business/commerce",
      "study_cohort": true
    },
    {
      "name": "Zaprite",
      "url": "https://zaprite.com",
      "fee_pct": 0,
      "fee_note": "$25/mo; 0% on invoices, payment links and POS; 1% on API and WooCommerce (cap $15/tx)",
      "custody": "non-custodial",
      "kyc": "none",
      "coins": 2,
      "settlement_fiat": true,
      "lightning": true,
      "founded": 2018,
      "notable": "Bitcoin invoicing that connects your own wallets",
      "verified": true,
      "source_url": "https://zaprite.com/pricing",
      "study_cohort": true
    },
    {
      "name": "Strike Business",
      "url": "https://strike.me/business/",
      "fee_pct": 0,
      "fee_note": "0% processing; 0.49-1.29% fiat conversion",
      "custody": "custodial",
      "kyc": "required",
      "coins": 2,
      "settlement_fiat": true,
      "lightning": true,
      "founded": 2020,
      "notable": "Lightning payments pioneer",
      "verified": true,
      "source_url": "https://strike.me/business/",
      "study_cohort": true
    },
    {
      "name": "Speed",
      "url": "https://www.tryspeed.com",
      "fee_pct": 1,
      "fee_note": "1% from external wallets; 0% from Speed Wallet; 0.5% offramp",
      "custody": "custodial",
      "kyc": "optional",
      "coins": 3,
      "settlement_fiat": true,
      "lightning": true,
      "founded": 2022,
      "notable": "Lightning plus USDT/USDC with instant autoswap",
      "verified": true,
      "source_url": "https://www.tryspeed.com/pricing/",
      "study_cohort": true
    },
    {
      "name": "OxaPay",
      "url": "https://oxapay.com",
      "fee_pct": 0.4,
      "fee_note": "from 0.4% per transaction",
      "custody": "custodial",
      "kyc": "none",
      "coins": 20,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2022,
      "notable": "No-KYC email signup; Telegram-friendly",
      "verified": true,
      "source_url": "https://oxapay.com/",
      "study_cohort": true
    },
    {
      "name": "Trybit (ex-CryptoCloud)",
      "url": "https://trybit.com",
      "fee_pct": 1.9,
      "fee_note": "1.9% standard; negotiated from 0.4% at volume; fee can be passed to buyer",
      "custody": "custodial",
      "kyc": "required",
      "coins": 40,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2021,
      "notable": "Rebranded to Trybit in 2026; auto-convert to USDT",
      "verified": false,
      "source_url": "https://trybit.com/",
      "study_cohort": true
    },
    {
      "name": "Stripe (Pay with Crypto)",
      "url": "https://stripe.com/crypto",
      "fee_pct": 1.5,
      "fee_note": "1.5% per transaction, no fixed fee; product renamed Stablecoin payments",
      "custody": "custodial",
      "kyc": "required",
      "coins": 3,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2024,
      "notable": "Renamed Stablecoin payments in 2026; USDC/USDP/USDG into the Stripe balance",
      "verified": true,
      "source_url": "https://docs.stripe.com/crypto/pay-with-crypto",
      "study_cohort": true
    },
    {
      "name": "Solana Pay",
      "url": "https://solanapay.com",
      "fee_pct": 0,
      "fee_note": "open protocol; network fees only",
      "custody": "non-custodial",
      "kyc": "none",
      "coins": 2,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2022,
      "notable": "Open-source direct merchant payment protocol",
      "verified": true,
      "source_url": "https://solanapay.com/",
      "study_cohort": true
    },
    {
      "name": "Flexa",
      "url": "https://flexa.co",
      "fee_pct": 1,
      "fee_note": "1% per payment",
      "custody": "custodial",
      "kyc": "required",
      "coins": 99,
      "settlement_fiat": true,
      "lightning": true,
      "founded": 2019,
      "notable": "In-store crypto acceptance network across 13 chains",
      "verified": true,
      "source_url": "https://flexa.co/payments",
      "study_cohort": true
    },
    {
      "name": "IVPAY (ex-ivendPay)",
      "url": "https://ivpay.io",
      "fee_pct": 1,
      "fee_note": "0.2-1% by volume",
      "custody": "custodial",
      "kyc": "required",
      "coins": 40,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2018,
      "notable": "Crypto POS and vending-machine payments",
      "verified": false,
      "source_url": "https://ivpay.io/",
      "study_cohort": true
    },
    {
      "name": "0xProcessing",
      "url": "https://0xprocessing.com",
      "fee_pct": 1,
      "fee_note": "custom volume-based; unpublished",
      "custody": "custodial",
      "kyc": "required",
      "coins": 85,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2021,
      "notable": "85+ coins on 18 chains; volatility protection",
      "verified": false,
      "source_url": "https://0xprocessing.com",
      "study_cohort": true
    },
    {
      "name": "PayKassa",
      "url": "https://paykassa.pro",
      "fee_pct": 4,
      "fee_note": "0% to accept; 4% on payout",
      "custody": "custodial",
      "kyc": "none",
      "coins": 16,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2019,
      "notable": "Email-only signup aggregator popular in CIS markets",
      "verified": true,
      "source_url": "https://paykassa.pro/en/accept/",
      "study_cohort": true
    },
    {
      "name": "HoodPay",
      "url": "https://hoodpay.io",
      "fee_pct": 1,
      "fee_note": "1% + $0.10; 0.25% direct wallet",
      "custody": "hybrid",
      "kyc": "none",
      "coins": 20,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2022,
      "notable": "Site shows an FBI seizure notice as of Sep 2026; service discontinued",
      "verified": false,
      "source_url": "https://hoodpay.io",
      "study_cohort": true
    },
    {
      "name": "Sellix",
      "url": "https://sellix.io",
      "fee_pct": 5,
      "fee_note": "up to 5% on free plan",
      "custody": "custodial",
      "kyc": "none",
      "coins": 13,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2020,
      "notable": "Domain seized by the FBI in Operation Talent; offline as of Sep 2026",
      "verified": false,
      "source_url": "https://sellix.io",
      "study_cohort": true
    },
    {
      "name": "Bitcart",
      "url": "https://bitcart.ai",
      "fee_pct": 0,
      "fee_note": "free open source, 0% fees",
      "custody": "self-hosted",
      "kyc": "none",
      "coins": 50,
      "settlement_fiat": false,
      "lightning": true,
      "founded": 2019,
      "notable": "Open-source BTCPay alternative; 50+ coins incl. Monero",
      "verified": true,
      "source_url": "https://bitcart.ai/",
      "study_cohort": true
    },
    {
      "name": "Coinbase Payments",
      "url": "https://www.coinbase.com/payments",
      "fee_pct": 0,
      "fee_note": "no gateway fee; USDC on Base via Shopify",
      "custody": "hybrid",
      "kyc": "required",
      "coins": 1,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2025,
      "notable": "Onchain USDC for Shopify merchants; distinct from Commerce",
      "verified": true,
      "source_url": "https://www.coinbase.com/payments",
      "study_cohort": true
    },
    {
      "name": "BlockBee",
      "url": "https://blockbee.io",
      "fee_pct": 1,
      "fee_note": "1% standard, to 0.25% with volume",
      "custody": "non-custodial",
      "kyc": "none",
      "coins": 70,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2018,
      "notable": "Formerly CryptAPI; payment forwarding to your wallet",
      "verified": true,
      "source_url": "https://blockbee.io/fees/",
      "study_cohort": true
    },
    {
      "name": "Aurpay",
      "url": "https://aurpay.net",
      "fee_pct": 0.8,
      "fee_note": "0.8% per transaction, to 0.5% at volume",
      "custody": "non-custodial",
      "kyc": "optional",
      "coins": 8,
      "settlement_fiat": false,
      "lightning": true,
      "founded": 2021,
      "notable": "Non-custodial, stablecoin settlement, Lightning support",
      "verified": true,
      "source_url": "https://aurpay.net/aurspace/crypto-payment-gateway-fees-compared-2026/",
      "study_cohort": false
    },
    {
      "name": "Paymento",
      "url": "https://paymento.io",
      "fee_pct": 0.5,
      "fee_note": "Free up to $20k volume, then 0.5%",
      "custody": "non-custodial",
      "kyc": "none",
      "coins": 15,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2024,
      "notable": "XPUB-based, funds direct to merchant wallet",
      "verified": true,
      "source_url": "https://paymento.io/fees-and-pricing/",
      "study_cohort": false
    },
    {
      "name": "PayRam",
      "url": "https://www.payram.com",
      "fee_pct": 0,
      "fee_note": "0% processing; optional orchestration up to 2.5%",
      "custody": "self-hosted",
      "kyc": "none",
      "coins": 20,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2023,
      "notable": "Self-hosted non-custodial gateway, iGaming-popular",
      "verified": true,
      "source_url": "https://www.payram.com/white-label",
      "study_cohort": false
    },
    {
      "name": "XAIGATE",
      "url": "https://www.xaigate.com",
      "fee_pct": 0.2,
      "fee_note": "First 500 tx/mo free, then 0.2%; fiat off-ramps to USD/EUR",
      "custody": "non-custodial",
      "kyc": "none",
      "coins": 50,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2023,
      "notable": "Very low fee; WooCommerce/PrestaShop plugins",
      "verified": true,
      "source_url": "https://www.xaigate.com/low-fee-crypto-payment-gateway/",
      "study_cohort": false
    },
    {
      "name": "PassimPay",
      "url": "https://passimpay.io",
      "fee_pct": 0.5,
      "fee_note": "From 0.5% per tx; +0.2% auto-conversion",
      "custody": "custodial",
      "kyc": "required",
      "coins": 74,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2022,
      "notable": "74+ coins, 18+ chains, SEPA EUR settlement",
      "verified": true,
      "source_url": "https://passimpay.io/en",
      "study_cohort": false
    },
    {
      "name": "PayGate.to",
      "url": "https://paygate.to",
      "fee_pct": 1.5,
      "fee_note": "1.5% flat + blockchain fees",
      "custody": "non-custodial",
      "kyc": "none",
      "coins": 50,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2022,
      "notable": "No signup, instant forwarding to merchant wallet",
      "verified": true,
      "source_url": "https://paygate.to/crypto-payment-gateway-no-kyc-instant-payouts/",
      "study_cohort": false
    },
    {
      "name": "MaxelPay",
      "url": "https://www.maxelpay.com",
      "fee_pct": 0.4,
      "fee_note": "0.4% per transaction, no monthly fee",
      "custody": "non-custodial",
      "kyc": "none",
      "coins": 300,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2023,
      "notable": "No-KYC, own payout wallet, white-label",
      "verified": true,
      "source_url": "https://www.maxelpay.com/",
      "study_cohort": false
    },
    {
      "name": "EukaPay",
      "url": "https://eukapay.com",
      "fee_pct": 1,
      "fee_note": "Custom pricing at onboarding; ~1% typical",
      "custody": "custodial",
      "kyc": "required",
      "coins": 20,
      "settlement_fiat": true,
      "lightning": true,
      "founded": 2021,
      "notable": "Canadian FINTRAC MSB, multi-fiat settlement, Lightning",
      "verified": false,
      "source_url": "https://eukapay.com/products/crypto-payment-gateway",
      "study_cohort": false
    },
    {
      "name": "DV.net",
      "url": "https://dv.net",
      "fee_pct": 0,
      "fee_note": "0% commission; on-chain network fees only",
      "custody": "self-hosted",
      "kyc": "none",
      "coins": 50,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2023,
      "notable": "Open-source self-hosted, merchant owns wallets and seed",
      "verified": true,
      "source_url": "https://github.com/dv-net/dv-merchant",
      "study_cohort": false
    },
    {
      "name": "ATLOS",
      "url": "https://atlos.io",
      "fee_pct": 0,
      "fee_note": "0% transaction fees; on-chain network costs only",
      "custody": "non-custodial",
      "kyc": "none",
      "coins": 11,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2023,
      "notable": "Permissionless no-KYC gateway, direct to Web3 wallet, 11 chains incl. Monero",
      "verified": false,
      "source_url": "https://atlos.io/",
      "study_cohort": false
    },
    {
      "name": "Cryptadium",
      "url": "https://cryptadium.com",
      "fee_pct": 0.9,
      "fee_note": "Below 0.9%, down to 0.7% for high volume",
      "custody": "custodial",
      "kyc": "required",
      "coins": 50,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2022,
      "notable": "Enterprise e-commerce focus, volume discounts",
      "verified": false,
      "source_url": "https://cryptadium.com/blog/1091",
      "study_cohort": false
    },
    {
      "name": "Oobit",
      "url": "https://www.oobit.com",
      "fee_pct": 1,
      "fee_note": "1% per tap, $0.25 min, +~0.5% spread",
      "custody": "non-custodial",
      "kyc": "required",
      "coins": 6,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2019,
      "notable": "Tap-to-pay crypto at Visa terminals, fiat settlement",
      "verified": true,
      "source_url": "https://www.cryptocards.so/en/card/oobit-tap-pay",
      "study_cohort": false
    },
    {
      "name": "CoinsBuy",
      "url": "https://coinsbuy.com",
      "fee_pct": 1,
      "fee_note": "From ~1% per transaction; enterprise volume pricing",
      "custody": "custodial",
      "kyc": "required",
      "coins": 40,
      "settlement_fiat": true,
      "lightning": true,
      "founded": 2019,
      "notable": "Panama-based enterprise processor, USDT on 9 chains",
      "verified": false,
      "source_url": "https://www.crunchbase.com/organization/coinsbuy",
      "study_cohort": false
    },
    {
      "name": "Coinify",
      "url": "https://www.coinify.com",
      "fee_pct": 0,
      "fee_note": "No merchant processing fee; margin on customer rate",
      "custody": "custodial",
      "kyc": "required",
      "coins": 20,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2014,
      "notable": "Danish processor, weekly EUR/BTC payouts",
      "verified": true,
      "source_url": "https://help.coinify.com/hc/en-us/articles/360014078380-Merchant-fees",
      "study_cohort": false
    },
    {
      "name": "Cryptopay Business",
      "url": "https://cryptopay.me/business",
      "fee_pct": 1,
      "fee_note": "Per-transaction fee quoted on signup",
      "custody": "custodial",
      "kyc": "required",
      "coins": 19,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2013,
      "notable": "London-based, next-day bank settlement",
      "verified": false,
      "source_url": "https://cryptopay.me/business/",
      "study_cohort": false
    },
    {
      "name": "Bit2Me Commerce",
      "url": "https://bit2me.com/suite/commerce",
      "fee_pct": 1.95,
      "fee_note": "1.95% per transaction; custom at volume",
      "custody": "custodial",
      "kyc": "required",
      "coins": 50,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2014,
      "notable": "Spanish exchange gateway, auto EUR to bank",
      "verified": true,
      "source_url": "https://support.bit2me.com/en/support/solutions/articles/35000201787",
      "study_cohort": false
    },
    {
      "name": "Bitnovo Pay",
      "url": "https://www.bitnovo.com/en/pay",
      "fee_pct": 0.95,
      "fee_note": "From 0.95%, no extras; EUR settlement to bank account",
      "custody": "custodial",
      "kyc": "required",
      "coins": 6,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2015,
      "notable": "Valencia-based, price locked at transaction, EUR settlement",
      "verified": true,
      "source_url": "https://www.bitnovo.com/en/pay",
      "study_cohort": false
    },
    {
      "name": "GoUrl",
      "url": "https://gourl.io",
      "fee_pct": 1.5,
      "fee_note": "1.5% on website payments",
      "custody": "non-custodial",
      "kyc": "none",
      "coins": 10,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2014,
      "notable": "Open-source, direct-to-wallet, WordPress plugin",
      "verified": true,
      "source_url": "https://gourl.io/",
      "study_cohort": false
    },
    {
      "name": "RocketFuel",
      "url": "https://rocketfuel.inc",
      "fee_pct": 1,
      "fee_note": "As low as 1%, next-day fiat settlement",
      "custody": "custodial",
      "kyc": "required",
      "coins": 160,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2018,
      "notable": "US-listed (RKFL), one-click checkout, 160+ coins",
      "verified": false,
      "source_url": "https://rocketfuel.inc/crypto-payments/",
      "study_cohort": false
    },
    {
      "name": "Salamantex",
      "url": "https://salamantex.com",
      "fee_pct": 1,
      "fee_note": "1% to 1.95% by volume and settlement choice",
      "custody": "hybrid",
      "kyc": "required",
      "coins": 8,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2017,
      "notable": "Austrian POS terminals, crypto or EUR at checkout",
      "verified": false,
      "source_url": "https://salamantex.com/en/salamantex-crypto-payment-service",
      "study_cohort": false
    },
    {
      "name": "Finrax",
      "url": "https://finrax.com",
      "fee_pct": 1,
      "fee_note": "Low processing fee, mid-market rates",
      "custody": "custodial",
      "kyc": "required",
      "coins": 50,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2018,
      "notable": "Estonia-licensed B2B gateway, hosted checkout + API",
      "verified": false,
      "source_url": "https://finrax.com/",
      "study_cohort": false
    },
    {
      "name": "GoCrypto",
      "url": "https://gocrypto.com",
      "fee_pct": 0.9,
      "fee_note": "~0.9% merchant fee; POS and online via Eligma",
      "custody": "custodial",
      "kyc": "required",
      "coins": 50,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2017,
      "notable": "Slovenian POS-focused crypto acceptance",
      "verified": false,
      "source_url": "https://gocrypto.com",
      "study_cohort": false
    },
    {
      "name": "UniPayment",
      "url": "https://unipayment.io",
      "fee_pct": 1.0,
      "fee_note": "From 1%; no setup or monthly fee; SEPA/ACH/SWIFT payouts",
      "custody": "custodial",
      "kyc": "required",
      "coins": 30,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2020,
      "notable": "Hybrid fiat/crypto gateway for brokers and e-commerce",
      "verified": true,
      "source_url": "https://unipayment.io",
      "study_cohort": false
    },
    {
      "name": "SpicePay",
      "url": "https://www.spicepay.com",
      "fee_pct": 1,
      "fee_note": "Fee never exceeds 1%",
      "custody": "custodial",
      "kyc": "required",
      "coins": 5,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2013,
      "notable": "Long-running BTC processor, PayPal/bank payouts",
      "verified": true,
      "source_url": "https://www.spicepay.com/accept-payments/",
      "study_cohort": false
    },
    {
      "name": "UniWire (ex-CryptoChill)",
      "url": "https://uniwire.com",
      "fee_pct": 1,
      "fee_note": "Flat rate on incoming volume; percentage unpublished since UniWire rebrand",
      "custody": "custodial",
      "kyc": "optional",
      "coins": 20,
      "settlement_fiat": true,
      "lightning": true,
      "founded": 2018,
      "notable": "CryptoChill rebranded to UniWire; MPC wallets, crypto-to-fiat off-ramp",
      "verified": false,
      "source_url": "https://uniwire.com",
      "study_cohort": false
    },
    {
      "name": "Wallet Pay",
      "url": "https://pay.wallet.tg",
      "fee_pct": 1,
      "fee_note": "Beta ~1-3%; free for direct transfers",
      "custody": "custodial",
      "kyc": "optional",
      "coins": 3,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2023,
      "notable": "TON-based acceptance inside Telegram Wallet",
      "verified": false,
      "source_url": "https://pay.wallet.tg",
      "study_cohort": false
    },
    {
      "name": "Bybit Pay",
      "url": "https://www.bybit.com/en/bybitpay/",
      "fee_pct": 0,
      "fee_note": "No base fee; 1% conversion when swapping to USDT",
      "custody": "custodial",
      "kyc": "required",
      "coins": 100,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2024,
      "notable": "Exchange-backed merchant payments, zero base fee",
      "verified": true,
      "source_url": "https://www.bybit.com/en/help-center/article/FAQ-Bybit-Pay",
      "study_cohort": false
    },
    {
      "name": "KuCoin Pay",
      "url": "https://www.kucoin.com/pay",
      "fee_pct": 0,
      "fee_note": "Off-chain zero gas, minimal on-chain, instant settle",
      "custody": "custodial",
      "kyc": "required",
      "coins": 50,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2025,
      "notable": "Exchange merchant tool, off-chain internal settlement",
      "verified": false,
      "source_url": "https://www.kucoin.com/pay",
      "study_cohort": false
    },
    {
      "name": "Bitget Pay",
      "url": "https://www.bitget.com",
      "fee_pct": 0,
      "fee_note": "No stated merchant fee; real-time crypto-to-fiat",
      "custody": "custodial",
      "kyc": "required",
      "coins": 3,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2024,
      "notable": "USDT QR Scan to Pay across SE Asia and LatAm",
      "verified": false,
      "source_url": "https://www.bitget.com/blog/articles/bitget-scan-to-pay-usdt-qr-payments",
      "study_cohort": false
    },
    {
      "name": "Gate Pay",
      "url": "https://www.gate.com/pay",
      "fee_pct": 0.5,
      "fee_note": "0.5% transaction fee; 100+ fiat currencies, T+0 settlement",
      "custody": "custodial",
      "kyc": "required",
      "coins": 300,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2021,
      "notable": "Gate.io exchange merchant acceptance, 300+ coins",
      "verified": true,
      "source_url": "https://www.gate.com/pay",
      "study_cohort": false
    },
    {
      "name": "Kraken Pay",
      "url": "https://blog.kraken.com/product/kraken-pay",
      "fee_pct": 0,
      "fee_note": "Free peer/paylink; conversion at market rate",
      "custody": "custodial",
      "kyc": "required",
      "coins": 300,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2025,
      "notable": "Paylinks and Kraktag payments, 300+ assets",
      "verified": true,
      "source_url": "https://blog.kraken.com/product/kraken-pay",
      "study_cohort": false
    },
    {
      "name": "WhiteBIT Pay",
      "url": "https://whitebit.com",
      "fee_pct": 0.5,
      "fee_note": "Under half of typical acquiring; next-day settle",
      "custody": "custodial",
      "kyc": "required",
      "coins": 200,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2022,
      "notable": "EU-regulated exchange gateway, powers Whitepay",
      "verified": false,
      "source_url": "https://blog.whitebit.com/en/whitebit-pay-how-does-it-work/",
      "study_cohort": false
    },
    {
      "name": "Crypto.com Pay",
      "url": "https://crypto.com/pay-merchant",
      "fee_pct": 0.5,
      "fee_note": "Zero tx fee; 0.5% settlement fee",
      "custody": "custodial",
      "kyc": "required",
      "coins": 20,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2019,
      "notable": "Shopify-integrated acceptance, multi-fiat settlement",
      "verified": true,
      "source_url": "https://crypto.com/en/pay-merchant",
      "study_cohort": false
    },
    {
      "name": "BVNK",
      "url": "https://www.bvnk.com/payments",
      "fee_pct": 1,
      "fee_note": "1% transaction fee; platform/min fees may apply",
      "custody": "custodial",
      "kyc": "required",
      "coins": 10,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2021,
      "notable": "Stablecoin acceptance infra, acquired by Mastercard 2026",
      "verified": true,
      "source_url": "https://docs.bvnk.com/bvnk/get-started/charge-customer-fees/",
      "study_cohort": false
    },
    {
      "name": "PYMSTR",
      "url": "https://pymstr.com",
      "fee_pct": 1,
      "fee_note": "Flat 1% only; no setup/payout/conversion fees",
      "custody": "non-custodial",
      "kyc": "none",
      "coins": 2,
      "settlement_fiat": false,
      "lightning": false,
      "founded": 2024,
      "notable": "Non-custodial USDC/USDT direct to merchant wallet",
      "verified": true,
      "source_url": "https://pymstr.com/pricing",
      "study_cohort": false
    },
    {
      "name": "Nuvei Pay with Crypto",
      "url": "https://www.nuvei.com/apm/pay-with-crypto",
      "fee_pct": 1,
      "fee_note": "Negotiated merchant pricing; converts to fiat",
      "custody": "custodial",
      "kyc": "required",
      "coins": 40,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2021,
      "notable": "Enterprise acquirer crypto acceptance, 200+ markets",
      "verified": false,
      "source_url": "https://www.nuvei.com/solutions/crypto-digital-assets",
      "study_cohort": false
    },
    {
      "name": "PayRequest",
      "url": "https://payrequest.io",
      "fee_pct": 2.0,
      "fee_note": "2% per payment, capped at EUR 25; crypto via USDC on-chain",
      "custody": "custodial",
      "kyc": "none",
      "coins": 1,
      "settlement_fiat": true,
      "lightning": false,
      "founded": 2020,
      "notable": "Hybrid fiat+crypto payment links (Stripe/PayPal/USDC) for creators and SMBs",
      "verified": true,
      "source_url": "https://payrequest.io",
      "study_cohort": false
    }
  ]
}