BitPay vs CoinPayments
BitPay
bitpay.com
CoinPayments
coinpayments.netSide by side
| Figure | BitPay | CoinPayments |
|---|---|---|
| Price from | $1.53/mo | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | Yes | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | — |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 8 | 6 |
| Spec score · Crypto Payment Processors | 9.4 (#1) | 8.4 (#3) |
| API | The REST API covers invoices, refunds, bills, exchange rates and ledgers, with signed BitAuth requests using secp256k1 identities. | CoinPayments exposes a RESTful JSON API covering currencies, fees, rates, wallets, transactions, invoices and webhooks. |
| Compliance | BitPay says US merchant accounts are subject to business verification and its compliance process includes KYC and AML checks. | The homepage states CoinPayments is backed by ISO 27001 certification and AML/KYC frameworks. |
| Founded | 2011 | CoinPayments says it was founded in 2013. |
| Integrations | BitPay lists integrations and plugins for Shopify, WooCommerce, Magento, BigCommerce, and other ecommerce platforms. | The current documentation lists official plugins for WooCommerce 6.0+ and WHMCS 9.0+; other platforms are described as in development. |
| Rating on Capterra | 4.4 out of 5 from 17 reviews. | 3.0 out of 5 from 3 reviews |
| Rating on G2 | 4.0 out of 5 from 21 reviews. | 3.9 out of 5 from 16 reviews |
| Rating on GetApp | 4.4 out of 5 from 17 reviews. | 3.0 out of 5 from 3 reviews |
| Rating on Trustpilot | 1.2 out of 5 from 299 reviews. | 1.8 out of 5 from 16 reviews |
| SDKs | BitPay publishes server-side libraries distributed through Composer, Maven, NuGet and npm, including Java, C#, PHP, Node and related tooling. | Official SDKs are available for Python, JavaScript/Node.js/TypeScript, and PHP. |
| Security | BitPay's Trust Center lists SOC 3, SOC 1 Type 2, SOC 2 Type 2, NY DFS cybersecurity requirements, and DORA information. | The homepage describes MPC-backed signing, where private keys are not stored in one place or exposed in full during signing. |
| Support | BitPay directs users to its Support Center and offers assistance through the BitBot support interface. | The API getting-started guide offers personalized integration support through a call with the Integrations team. |
| What it does | BitPay provides crypto payment acceptance, payouts, invoicing, settlement and self-custody wallet tools for businesses and individuals. | CoinPayments provides crypto payment processing, wallets, invoices, payment links, checkout buttons, plugins and point-of-sale acceptance. |
Plans
BitPay
- Under $500,000 monthly transaction volumePriced on request
- $500,000–$999,999 monthly transaction volumePriced on request
- At least $1,000,000 monthly transaction volumePriced on request
- BitPay WalletFree
- Crypto acceptance — $500,000–$999,999 monthly volume$1.53 a month
- Crypto acceptance — $1,000,000+ monthly volume$125 a month
- Crypto acceptance — under $500,000 monthly volume$225 a month
- BitPay merchant processingPriced on request
CoinPayments
- ASAP ModeFree
- Nightly ModeFree
- Payment processing to balanceFree
- Personal-wallet depositsFree
- Payment processingPrice not published
- WithdrawalsPrice not published
In their own words
BitPay
BitPay provides businesses with tools to accept cryptocurrency payments and send cryptocurrency payouts. Merchants can take payments online, in stores, and through email billing, with tools for ecommerce, donations, and retail. It lists integrations and plugins for Shopify, WooCommerce, Magento, BigCommerce, and other ecommerce platforms. Developers can integrate through BitPay REST APIs and SDKs, or official libraries for Java, Node, PHP, C#, and Python. Customer cryptocurrency payments are converted to local currency, and bank settlement is initiated the next business day; businesses can settle in fiat, cryptocurrency, or a mix of both. Merchant processing fees depend on cumulative monthly transaction volume: 2% + 25¢* below $500,000 USD, 1.5% + 25¢* from $500,000 to $999,999 USD, and 1% + 25¢* at $1,000,000 USD or more. BitPay also offers a free wallet app for mobile and desktop. Its self-custody wallet supports buying, selling, swapping, and storing cryptocurrency, buying gift cards, and paying bills. BitPay was founded in 2011 and is headquartered in Atlanta, Georgia, United States. Bill Pay is available only to US residents.
CoinPayments
CoinPayments provides merchants with cryptocurrency payment processing, wallets, invoices and payment integrations through web and API access. Its homepage states that it accepts more than 40 cryptocurrencies. Merchants can set an exchange rate when creating an invoice, while incoming deposits may be detected within seconds and screened for risk before blockchain confirmation. Withdrawal batching combines payments from multiple callback addresses under one transaction fee, with savings stated at up to 90%. The REST JSON API covers wallets, transactions, invoices and signed webhooks; official SDKs are available for Python, JavaScript/Node.js/TypeScript and PHP. Listed checkout options include hosted checkout, invoice links, Buy Now buttons, white-label checkout and payment buttons. Official plugins are listed for WooCommerce 6.0+ and WHMCS 9.0+, with other platforms in development. The three listed processing plans are free, with fees of 3% or 3% plus network fees depending on the settlement option. CoinPayments says it cannot serve EU/EEA clients after 1 July 2026 due to MiCA requirements.