Payzum compared with other crypto payment gateways
Five head-to-head comparisons with the gateways merchants ask about most. Each row links to the provider's own page, checked on October 21, 2026.
Payzum vs NOWPayments
NOWPayments is a hosted crypto payment gateway launched by ChangeNOW in 2019. It lists 350+ cryptocurrencies and adds an optional custody balance and a EUR bank off-ramp. Payments pass through its deposit addresses, while Payzum settles each payment on-chain straight to your own wallet for 0.5% per sale.
Read the comparison →Payzum vs Coinbase Commerce (now Coinbase Business)
Coinbase Commerce closed on March 31, 2026, and Coinbase moved merchants to Coinbase Business, a custodial account for US and Singapore companies. It settles every payment in USDC and can cash out to a bank. Payzum is non-custodial and settles each payment on-chain to a wallet the merchant controls.
Read the comparison →Payzum vs BitPay
BitPay has processed crypto payments since 2011 and holds licenses in several jurisdictions. It receives the payment, converts it and deposits local currency in your bank every business day. Payzum is non-custodial and crypto-only, so each payment settles on-chain to a wallet you control.
Read the comparison →Payzum vs CoinGate
CoinGate is a hosted crypto payment gateway based in Lithuania and authorized under the EU's MiCA rules. Payments land in a CoinGate balance that you can settle in EUR, USD or GBP to a bank. Payzum is non-custodial and crypto-only, so each payment settles on-chain to a wallet you control.
Read the comparison →Payzum vs BTCPay Server
BTCPay Server is free, open-source software you run yourself, or on a third-party host, to accept Bitcoin and Lightning into your own wallet with no processing fee. Payzum is also non-custodial, but it is a service you sign up for that charges 0.5% per sale plus gas. It covers nine networks, including Ethereum, Solana and Base, with optional auto-conversion to USDC or USDT.
Read the comparison →| Comparisons | Fee per payment | Who holds the funds |
|---|---|---|
| Payzum | 0.5% per processed sale, deducted from the amount received, plus network gas. | Non-custodial: each payment settles on-chain straight to the merchant's own wallet. |
| NOWPayments | 1% for same-coin payments and 1.5% with conversion, fixed rate or fee paid by the customer (help center, October 2026). KYC plus KYB cuts it to 0.5%, and partner deals go to 0.3%. | Non-custodial by default, per NOWPayments: customers pay its deposit address and it forwards the net amount to your payout wallet. Optional Custody holds a balance on the platform. |
| Coinbase Commerce (now Coinbase Business) | A fee applies to each completed payment, and Coinbase shows the current rate only inside the account (October 2026). Its October 2025 launch quoted 1%, kept for merchants migrating from Commerce. | Custodial. Payments settle as USDC into a Coinbase Business account that Coinbase holds for you. The self-custodial Commerce wallets were retired on March 31, 2026. |
| BitPay | 2% + 25¢ per paid invoice under $500,000 a month, 1.5% + 25¢ up to $999,999, and 1% + 25¢ from $1M. High-risk industries pay more. | Customers pay to a BitPay address and BitPay credits your merchant ledger. It then settles every business day to your bank account or crypto wallet. |
| CoinGate | 1% per transaction on the Standard plan, with no monthly or setup fee. Enterprise accounts get custom, volume-based rates (pricing page, October 2026). | Custodial. Payments are credited to a CoinGate account balance held by UAB Decentralized in Lithuania. You then withdraw to your own crypto wallet or bank account. |
| BTCPay Server | 0%. BTCPay is free, open-source software with no processing or subscription fees. Bitcoin network (miner) fees still apply to on-chain payments. | Non-custodial. Payments go straight to your own wallet and BTCPay does not need your master private key. A hot wallet created on a shared host gives that host access. |
For broader lists, see the best crypto payment processors in 2026 and Payzum pricing.