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BlockBee vs Cryptopay: Fees, Settlement and Coins Compared
How Cryptopay Business and BlockBee compare on fees, settlement, coins and payouts, and which suits your business.
How do Cryptopay's fees compare with BlockBee's?
Cryptopay Business (cryptopay.me) sends merchants to its sales team for details of fees and commissions, according to its gateway-page FAQ, checked on 7 October 2026. Its help centre, checked the same day, lists a 1% fee for currency exchanges in your account and 0.09 EUR to withdraw euros by SEPA. BlockBee publishes its fees, 1% per payment falling to 0.25% with volume, plus network fees, and forwards each on-chain payment to your own wallet in crypto. Choose Cryptopay for bank settlement and BlockBee for crypto in your own wallet.
This comparison is about Cryptopay Business. Crypto Pay on Telegram is a different product: the Crypto Pay API of @CryptoBot.
Disclosure: BlockBee publishes this comparison, based on Cryptopay's pages, help centre and developer guide as of 7 October 2026.
How do Cryptopay and BlockBee compare at a glance?
Sources: Cryptopay's gateway, accept and business pages and FAQs, help centre and developer guide, checked on 7 October 2026.
| Cryptopay Business (checked 7 Oct 2026) | BlockBee | |
|---|---|---|
| Processing fee | Contact sales (gateway-page FAQ); network fees may apply (accept-page FAQ); no setup fees (gateway page) | 1%, falling to 0.25% with volume, plus network fees |
| Fiat payout | Yes, to a bank account; the help centre lists 1% for exchanges in your account and 0.09 EUR per SEPA euro withdrawal | No: pays out in crypto |
| How you are paid | Crypto or fiat; next-day bank settlement | Crypto, forwarded to your wallet per on-chain payment |
| Where payments land | Your Cryptopay business account, with automatic withdrawals to your bank | Your own wallet (on-chain payments) |
| Coins | 19 cryptocurrencies (gateway page) | 105 assets on 13 networks |
| USDT networks listed | ERC20 (accept page) | 10, including Tron, Polygon, Solana and TON |
| Payouts | Mass payouts; fee amount from your account manager, plus network fee | Up to 100 requests per payout; 0.5%, falling with volume, plus network fee |
How much does Cryptopay charge merchants?
Asked "Are there any hidden fees?", Cryptopay's gateway-page FAQ, checked on 7 October 2026, says no and points merchants to its sales team for "detailed information on fees and commissions". Its accept-page FAQ, checked the same day, says it "offers competitive processing fees" and that "network fees may apply". Two fees are public in its help centre, also checked that day:
- a 1% "conversion fee for exchanges" between currencies in your business account;
- 0.09 EUR to withdraw euros to a business bank account in the SEPA zone.
BlockBee starts at 1% per payment, drops to 0.9% once your volume over the previous 30 days reaches $10,000, and can fall to 0.25%; your industry's risk tier also affects the rate. It charges no setup or monthly fees. Forwarding each on-chain payment to you costs a network fee on top; BlockBee's fees page has a fee calculator.
Cryptopay gives its fees through its sales team, so there is no like-for-like example here. Ask for its figures in writing and set them beside BlockBee's calculator, adding the help-centre fees above if you will convert crypto to euros. Our guide to crypto payment gateway fees shows how the parts add up.
How do Cryptopay and BlockBee pay you?
Cryptopay's gateway-page FAQ, checked on 7 October 2026, says that once a payment has enough confirmations, "the funds are credited to your account". Its gateway page, checked the same day, says you can be settled in crypto or fiat, and lists automatic withdrawals to your bank account and next-day bank settlement.
BlockBee sends each on-chain payment to the wallet address you choose once the payment confirms; by default, its fee and the network fee are deducted first. Payments below a coin's minimum transaction amount are disregarded, so those funds are lost. On-chain payments do not wait in a BlockBee balance. BlockBee pays out in crypto only.
Which coins does Cryptopay accept?
Cryptopay's gateway page and accept-page FAQ, checked on 7 October 2026, say 19 cryptocurrencies; the top of its accept page, checked the same day, says "15+ cryptocurrencies, 35 fiat currencies". That page names 14 coins, including Bitcoin, Ethereum, USDC and Solana; the page lists USDT on ERC20 and USDC but not USDT on other networks. Cryptopay links to a full currency list, which we did not check, and its business FAQ, checked the same day, says the list "may vary depending on your setup".
On BlockBee's cryptocurrencies page the count is 105 assets across 13 networks. USDT runs on 10 of them, including Tron, Polygon, Solana and TON, and USDC on 10.
How do payouts compare?
Cryptopay's business page, checked on 7 October 2026, offers mass crypto payouts: "Pay in crypto from any fiat wallet". Its developer guide, checked the same day, lists two payout charges, Cryptopay's own fee (its amount comes from your account manager) and the network fee, which Cryptopay does not control.
BlockBee pays out from a Self-Custodial Wallet built on TSS (a threshold signature scheme); without your API key, BlockBee cannot move what is in it. Each payout carries up to 100 payout requests in one coin. Payout fees start at 0.5% and fall with volume, and a payout webhook reports when a payout confirms or fails.
Which integrations does Cryptopay offer?
Cryptopay's business FAQ, checked on 7 October 2026, lists a payment API, hosted invoices, email billing and checkout widgets. Its accept-page FAQ, checked the same day, says it supports integration with WooCommerce, OpenCart, Magento, PrestaShop and VirtueMart. BlockBee offers a hosted checkout and an API, with official plugins for WooCommerce, Magento, PrestaShop, OpenCart, WHMCS and Odoo. Cryptopay's gateway-page FAQ, checked on 7 October 2026, says it offers a test environment for simulating transactions; BlockBee has no sandbox, and its docs advise testing with small amounts first.
Which should you choose?
Based on Cryptopay's gateway, business and accept pages and their FAQs, checked on 7 October 2026:
Choose Cryptopay if:
- you want a business account that converts crypto and settles to your bank the next day;
- you want corporate cards from Cryptopay too;
- you are happy to get pricing from Cryptopay's sales team.
Choose BlockBee if:
- you want published pricing you can check before you sign up;
- you would rather receive on-chain payments straight into your own wallet;
- your customers pay USDT on Tron or TON; BlockBee supports both, while Cryptopay's accept page lists USDT on ERC20 and USDC but not USDT on Tron or TON;
- you need payouts from a self-custodial wallet that BlockBee cannot move without your API key.
Frequently asked questions
Is Cryptopay's fee 1%?
Cryptopay's account-exchange help article, checked on 7 October 2026, lists 1% for exchanges within a business account. Its gateway-page FAQ, checked the same day, directs merchants to sales for processing fees.
Is BlockBee cheaper than Cryptopay?
We can't tell without Cryptopay's figures for your business. BlockBee's published tiers start at 1% and go down to 0.25%, plus network fees, so you can compare once you have them.
Is Cryptopay the same as Crypto Pay on Telegram?
No. Crypto Pay on Telegram is a different product: the Crypto Pay API of @CryptoBot. This article covers Cryptopay Business at cryptopay.me.
Does BlockBee hold my funds?
Not for on-chain payments: BlockBee sends each confirmed on-chain payment to your wallet, and payouts leave from a Self-Custodial Wallet that BlockBee cannot move without your API key. Bitcoin Lightning payments, available through Checkout and the PoS, are settled once a day at 00:00 UTC.
For more side-by-side reviews, see BlockBee vs CoinGate and BitPay vs BlockBee. To start with BlockBee, open the documentation or create an account.
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