Comparison

Payzum vs BitPay

In short: 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.

Checked on October 21, 2026. Prices and features change, so confirm on each provider's site before you decide.

Payzum and BitPay side by side

FeaturePayzumBitPay
Fee per payment0.5% per processed sale, deducted from the amount received, plus network gas.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. [1]
Other feesAuto-conversion, mass payouts and x402 are quoted on request.The pricing page lists no setup or monthly fee. Refunds deduct the miner fee from your ledger, and BitPay Send payouts cost 1%. [1]
Who holds the fundsNon-custodial: each payment settles on-chain straight to the merchant's own wallet.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. [3]
Payout to a bank accountNo. Payzum is crypto-only; you can auto-convert to USDC or USDT.Yes. Bank deposits every business day in 37 countries, in USD, EUR, GBP, CAD, AUD, NZD, MXN, CHF or ZAR. You can split one fiat currency with up to five cryptos. [4]
USDC and USDTYes, on Ethereum, Solana, Polygon, Base, Arbitrum, Optimism, BNB Chain and Avalanche.Accepts USDC and USDT. Invoices take tokens, including stablecoins, on Ethereum, Polygon, Base, Optimism and Arbitrum, plus USDC and USDT on Solana. [6]
Store plugins and API29 open-source integrations (WooCommerce, Shopify, Magento, WHMCS and more), SDKs, REST API, signed webhooks.Official plugins for Shopify, WooCommerce, Magento 2, BigCommerce, Wix and WHMCS. An API with SDKs for Node, PHP, Python, Java and C#. [8]
In-person point of saleYes: a fresh QR per sale, any phone as a terminal, PIN cashiers.Quick Checkout for Web runs in any phone, tablet or desktop browser and shows a QR code per sale. It also works on compatible Verifone terminals. [10]
Mass payoutsYes: CSV payouts in BTC, LTC and DOGE, and stablecoin payouts on EVM networks.BitPay Send pays recipients in crypto from the dashboard or API for a 1% fee. You fund it with a fiat deposit, and each recipient verifies with BitPay ID. [12]
AI agents (x402)Yes: x402 proxy in front of your API, settled through an external facilitator.Not stated publicly. We found no x402 or AI-agent payment product on BitPay's site or developer docs as of 2026-10-21.
Account verificationSign up, then complete the account verification that applies.Business verification: owner details, ID for every owner with 25% or more, business registration, tax ID and address proof. Approval usually takes 5 to 7 business days. [14]
Hosted or self-hostedHosted service.Hosted service operated by BitPay Inc. and BitPay B.V. You work from its merchant dashboard and API, and its plugins are open source. [1]

When BitPay is the better choice

  • You want local currency in your bank account every business day and prefer not to hold crypto at all.
  • You value a long-running processor licensed by New York's DFS and authorized under MiCA in the EU since July 2026.
  • You already use Verifone card terminals and want crypto on the same device.

When Payzum is the better choice

  • You want each payment to settle on-chain straight to a wallet you control, and Payzum never holds the funds.
  • You pay 0.5% per sale plus network gas, while BitPay charges 2% + 25¢ per invoice below $500,000 a month.
  • You want x402 so AI agents can pay per API call in USDC on Base, or one of 29 open-source plugins such as PrestaShop or Medusa.

Questions about switching

Can Payzum pay me into my bank account like BitPay does?

No. Payzum is crypto-only and settles to your wallet, with optional auto-conversion to USDC or USDT. If you need fiat in your bank every business day, BitPay offers that in 37 countries.

Which costs less per sale, BitPay or Payzum?

Payzum charges 0.5% per sale plus network gas, deducted from the amount received. BitPay charges 2% + 25¢ per invoice under $500,000 a month and 1% + 25¢ from $1M (checked 2026-10-21).

Who holds the money after a customer pays?

With BitPay, the customer pays to a BitPay address and BitPay settles to you each business day. With Payzum, each payment settles on-chain straight to a wallet you control.

Sources

  1. https://www.bitpay.com/pricing
  2. https://support.bitpay.com/hc/en-us/articles/203324073-What-fees-will-I-pay-to-use-BitPay-for-payment-processing
  3. https://support.bitpay.com/hc/en-us/articles/115002990803-What-is-the-Network-Cost-fee-on-BitPay-invoices-and-why-is-BitPay-charging-it
  4. https://support.bitpay.com/hc/en-us/articles/201890513-What-are-my-options-for-settlement
  5. https://developer.bitpay.com/docs/settlement
  6. https://support.bitpay.com/hc/en-us/articles/203411543-What-cryptocurrencies-can-I-use-to-pay-a-BitPay-Invoice
  7. https://www.bitpay.com/resources/accept-payments-on-solana
  8. https://developer.bitpay.com/docs/plugins
  9. https://developer.bitpay.com/llms.txt
  10. https://www.bitpay.com/retail
  11. https://support.bitpay.com/hc/en-us/articles/203058086-How-do-I-set-up-BitPay-Checkout-Point-Of-Sale-Application
  12. https://developer.bitpay.com/docs/payouts-sending-crypto
  13. https://support.bitpay.com/hc/en-us/articles/360052494652-Getting-started-with-BitPay-Send-for-merchants
  14. https://developer.bitpay.com/docs/compliance
  15. https://developer.bitpay.com/docs/integration-1
  16. https://www.pymnts.com/cryptocurrency/2026/bitpay-obtains-eu-crypto-license-under-mica-regulations/

More comparisons and guides: Other BitPay alternatives · All comparisons · Payzum pricing.

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