CoinPayments vs KuCoin Pay

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.

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.