Cryptopay
Cryptocurrency payment gateways
Blockchain software
Cryptocurrency software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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Pay-as-you-go
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- Education and training
- Arts, entertainment, and recreation
- Agriculture, fishing, and forestry
What is Cryptopay
Cryptopay is a cryptocurrency payments and wallet platform that supports buying, storing, and spending crypto, including merchant payment acceptance and crypto-to-fiat settlement features. It targets online businesses that want to accept cryptocurrency payments as well as individuals who want a custodial wallet and card-based spending options where available. The product typically combines hosted checkout/invoicing with account-based wallets, and may include compliance checks as part of onboarding. Availability of specific features (cards, supported countries, and supported assets) varies by region and regulatory constraints.
Merchant crypto payment acceptance
Cryptopay provides tools for businesses to accept cryptocurrency payments, commonly via hosted checkout, invoices, or API-based integrations. This supports use cases such as e-commerce payments and service billing without requiring merchants to run their own blockchain infrastructure. Compared with self-hosted approaches, a managed gateway reduces operational overhead for key management and transaction monitoring.
Custodial wallet and accounts
The platform offers custodial wallets/accounts that can hold supported crypto assets and, in some cases, fiat balances. This can simplify reconciliation and payouts for merchants that prefer an account-based model rather than managing on-chain wallets directly. It also supports consumer use cases such as storing funds and making transfers within the platform where supported.
Fiat settlement and payouts options
Cryptopay commonly positions itself around converting crypto receipts into fiat and enabling payouts, which helps businesses reduce direct crypto exposure. Settlement options can streamline accounting by delivering proceeds in a preferred currency rather than leaving balances on-chain. This is a practical fit for merchants that need predictable cashflow and bank-compatible reporting.
Custodial and counterparty risk
As a custodial service, Cryptopay typically controls private keys and account access on behalf of users. This introduces counterparty risk and makes customers dependent on the provider’s security controls, uptime, and account policies. Some organizations with strict treasury controls may prefer non-custodial or self-hosted models to reduce reliance on a third party.
Regional feature availability varies
Card programs, fiat rails, and even certain crypto services can be limited by country, licensing, and banking partner coverage. Businesses operating in multiple jurisdictions may find that onboarding requirements and supported payout methods differ by region. This can complicate global rollouts compared with providers that have broader licensing footprints.
Limited transparency on controls
Publicly available detail on security architecture, audits, and compliance certifications may be less extensive than what larger institutional platforms publish. For regulated merchants, the lack of clearly documented controls (e.g., SOC reports, detailed custody model, or insurance disclosures) can lengthen vendor due diligence. Buyers may need to request documentation directly during procurement.
Plan & Pricing
Pricing model: Pay-as-you-go Free tier/trial: See below Example costs (from official Cryptopay documentation/help pages):
- Crypto ↔ fiat exchange: 1% fee per exchange. (help.cryptopay.me — "For exchanging cryptocurrencies to fiat ... we charge you a 1% fee.")
- Card load/unload (to/from account): 1% fee. Loading from account in a different currency: 2%. (help.cryptopay.me — Card fees article)
- SEPA outgoing bank withdrawal: 2 EUR fixed fee; SEPA deposits are free. (help.cryptopay.me)
- GBP bank withdrawals: 2 GBP fixed fee; GBP deposits are free. (help.cryptopay.me)
- Crypto send/withdrawal: dynamic network (miner) fees + possible Cryptopay processing fee; network fee levels (fast/average/slow) are provided via API and change frequently. (developers.cryptopay.me)
- Internal transfers between Cryptopay accounts: free of charge. (help.cryptopay.me)
- Crypto deposits from third-party wallets: no fee. (help.cryptopay.me)
- Storage / inactivity fees (applies if positive balance and no transactions for 12+ months): 13–15 months: 10 EUR/month; 16–18 months: 30 EUR/month; 19+ months: 50 EUR/month (max 50 EUR/month). (help.cryptopay.me)
Merchant/payment-processing fee: Not published on public site; developers docs state the processing fee amount is set per merchant and that you should check the amount with your Cryptopay Account Manager / Contact Sales. (developers.cryptopay.me)
Discount options: No public volume/commitment discount schedule found on official site; contact sales/account manager for custom/enterprise pricing. (business.cryptopay.me / developers.cryptopay.me)
Notes & links (official pages used):
- Cryptopay Help Centre — Fees and commissions (exchange, SEPA, card, storage):
- Cryptopay Help Centre — Card fees:
- Cryptopay Developers — Payout fees consideration & network fees: and
- Cryptopay Business product page (marketing; contact sales for merchant pricing):
Seller details
Cryptopay Ltd
London, United Kingdom
2013
Private
https://cryptopay.me/
https://x.com/cryptopay
https://www.linkedin.com/company/cryptopay/
