B2BINPAY vs KuCoin Pay

B2BINPAY lets businesses send, receive, convert, and accept cryptocurrency payments online. Its payment service supports acceptance in 350+ currencies and combines payment processing with wallet as a service. Businesses can integrate through an API, use a hosted payment page or ecommerce plugin, or add a ready-made payment button to a website or app, including WordPress. Payment settings can be configured and tested in a sandbox without fees. The fee page lists immediate settlement for crypto and T+1 settlement for fiat. Listed safeguards include 2FA, address whitelists, user rights, wallet thresholds, blockchain risk scoring, third-party audits, and transaction screening for suspicious activity. Fees depend on incoming monthly volume and currency type; the listed Coins plan has incoming rates from 0.40% at $0–1 mln to 0.25% above $5 mln, with outgoing fees at 0.00%. Fiat deposits are accepted only through corporate bank wire. B2BINPAY is available on web and via API, with 24/7 customer service and API documentation listed for merchants.

KuCoin Pay is a cryptocurrency payment solution for consumers and merchants, supporting online, offline, and in-app transactions. Checkout options include API integration, hosted KuCoin Pay checkout, and QR codes. Payments can be made on-chain from exchanges or decentralized wallets; verified KuCoin users can also make gas-free off-chain payments to each other. Consumer payments settle instantly, and access is for verified KuCoin users. Merchants apply with business information, complete verification, sign an agreement, and integrate the API. They can settle in stablecoins such as USDT or USDC, or convert crypto earnings to fiat through KuCoin OTC. A merchant portal provides transaction monitoring, financial reporting, and customer insights. KuCoin describes merchant compliance measures including AML/KYC protocols, anti-fraud monitoring, and Travel Rule support through solutions such as Sumsub. The service supports web, iOS, and Android. Consumer payments cost nothing, though merchants may apply handling fees. Merchant pricing is volume-based and available on request. KuCoin Pay is linked to the main KuCoin account, so suspension of that account also suspends KuCoin Pay.