10 Best XMoney (UtrustX) Alternatives for Secure Crypto Payments in 2026

The Best XMoney (UtrustX) Alternatives make it easy for companies to accept payments with different cryptocurrencies safely and conveniently.

With low-cost crypto payment gateways that are readily available and scalable, these alternatives provide more features and offer support for more coins, quicker settlement times, and more powerful tools for merchants who need dependable digital payment solutions.

Key Point & Best XMoney (UtrustX) Alternatives List

Platform	Key Points
CoinPayments	Supports 2000+ cryptocurrencies, multi-coin wallets, easy integration with e-commerce platforms, automatic conversion to fiat.
BitPay	Trusted for Bitcoin & stablecoins, invoice management, prepaid cards, strong security, global merchant support.
BTCPay Server	Open-source, self-hosted, no fees, full control over funds, strong privacy, supports multiple cryptocurrencies.
CoinGate	Accepts Bitcoin and altcoins, easy merchant integration, fiat payouts, invoicing tools, supports recurring payments.
PayPal (Crypto Checkout)	Enables crypto payments via PayPal balance, fiat conversion at checkout, easy for mainstream users, limited crypto options.
Strike	Lightning Network payments, instant Bitcoin transactions, fiat settlement, easy merchant integration, mobile-first approach.
OpenNode	Bitcoin-focused, Lightning Network support, instant settlements, API for developers, low transaction fees.
Crypto.com Pay	Accepts multiple cryptocurrencies, cashback rewards, merchant tools, integration with Crypto.com ecosystem.
AlfaCoins	Multi-crypto payment gateway, automatic conversion to fiat, e-commerce plugins, invoice generation.
Blockonomics	Decentralized Bitcoin payments, no intermediaries, invoice tracking, wallet monitoring, easy WooCommerce integration.

1. CoinPayments

CoinPayments is an international cryptocurrency payment processor that allows merchants to accept over 2,000 different cryptocurrencies. CoinPayments provides merchants with wallets, multi-coin support, and plugins that integrate with leading e-commerce companies, such as WooCommerce and Shopify.

CoinPayments offers merchants automatic and instantaneous cryptocurrency conversion, as well as support for tailored checkout APIs. CoinPayments is the most suitable alternative to UtrustX if you need a provider that can accommodate a large variety of coins, operate globally, and meets all your scalable cryptocurrency payment needs.

CoinPayments Features , Pros & Cons

Features

• The platform accepts over two thousand different crypto coins.
• It offers wallets that hold multiple coins.
• It has plugins in WooCommerce and Shopify for online shopping.
• There are APIs that allow for personalized integrations.
• It offers options for automatic conversions.

Pros

• There are many coins to choose from.
• Payout options are very flexible.
• There is simple integration for store owners.
• There is coverage for many different currencies.
• There are solid tools for developers.

Cons

• There are sometimes higher fees for some transactions.
• The design of the user interface is outdated.
• Some areas have limited fiat transfers.
• Response times for support are lower.
• There is partial centralization.

2. BitPay

BitPay is a crypto payment processor that offers merchants strong cryptocurrency support, and is well regarded for its enterprise integration. BitPay offers payment processing support, such as invoice creation, automatic crypto-to-fiat transactions, and payment reporting.

BitPay is integrated with shopping cart software and offers APIs for other commercial tools. For entrepreneurial merchants looking for dependable crypto-to-fiat solutions, BitPay is a top competitor to UtrustX.

BitPay Features , Pros & Cons

Features

• It accepts assets in Bitcoin, stable coins, as well as Ether.
• There is automation of the conversion of crypto to fiat.
• There are tools for billing online.
• It has integrations for online shopping.
• It allows the use of prepaid cards.

Pros

• It is a safe and long-standing platform.
• There is excellent identification and reporting of transactions.
• There is a simple and user-friendly dashboard for merchants.
• There are many shopping cart plugins.
• There is regulated compliance.

Cons

• New crypto coins are not usually accepted.
• There is a fee for conversions.
• The platform does not have full decentralization.
• Some features are inaccessible depending on the region.
• There are KYC requirements.

3. BTCPay Server

BTCPay is an independent, open-source cryptocurrency payment processing application that allows merchants to operate on a self-hosted basis, giving them complete control over the funds, and provides more privacy.

BTCPay Server doesn’t charge transaction fees or work with custodial services, payment can be processed in Bitcoin and Lightning directly with no 3rd party involvement. This self-hosted server model means total self-sovereignty, suitable for developer-use and privacy-focused enterprises.

This 3rd party custodial separation, predatory fees, along with the freedom of BTCPay Server customization make it a top solution for anyone wanting a payment processor without having to trust the provider.

BTCPay Server Features , Pros & Cons

Features

• It is both self-hosted and open-source software.
• It can only accept Bitcoin and Lightning payments.
• There are no processing fees.
• The user has full access to their wallet.
• There are APIs and support for plugins.

Cons

• No fees at all.
• Self-custody is fully available.
• No reliance on third parties.
• Great privacy.
• Friendly to developers.

Cons

• Some technical skill is required to set this up.
• No built-in fiat conversion
• No native customer support.
• Limited support for altcoins.
• Hosting costs can incur.

4. CoinGate

CoinGate is a payment processor for 70+ cryptos operating out of Europe and offers dual settlement in either cryptocurrencies or fiat. CoinGate has plugins, an API, and a retail Point of Sale.

They focus on compliance, legal, and regulatory reports, which helps enterprises feel secure in highly regulated economies. This makes CoinGate one of the more attractive options for enterprises of all sizes, and especially for those that require cross-border services and a diversity of altcoins.

CoinGate Features , Pros & Cons

Features

• Supports over 70 cryptocurrencies.
• Offers fiat payout options.
• Has an API alongside shopping cart plugins.
• Has a POS system.
• Provides invoicing utilities.

Pros

• Offers decent coverage of altcoins.
• Has simple integration.
• Provides flexible payout options.
• Is beneficial to both retail and online.
• Has features for compliance.

Cons

• Offers fewer coins than CoinPayments.
• Fee structure can be complex.
• Crypto fiat payouts aren’t great for some regions.
• There is a dashboard learning curve.
• Requires KYC.

5. PayPal (Crypto Checkout)

PayPal offers a checkout option that allows customers to spend crypto without needing to directly interact with crypto wallets. This is arguably a more streamlined experience for PayPal’s traditional customers, as crypto payments can add significant friction to an otherwise PAypal-smooth transaction.

Still offering limited asset classes relative to pure crypto gateways, PayPal brings crypto payments into a broadly accepted payment ecosystem. Thus, PayPal’s approach is a simpler, more accessible alternative to UtrustX for merchants aimed at the mainstream customers and lowering crypto adoption barriers without the hassle of heavy blockchain integrations.

PayPal (Crypto Checkout) Features , Pros & Cons

Features

• You can checkout with crypto using a PayPal balance.
• There is fiat conversion at checkout.
• Merchant setup is very simple.
• You can reach a broad PayPal user base.
• Provides a secure payment ecosystem.

Pros

• It is extremely user-friendly.
• Many customers trust this service.
• No separate wallet setup needed.
• It allows for easy invoicing.
• Uses familiar PayPal flows.

Cons

• Limited crypto support available.
• No direct control over the wallet.
• Fees may be applied.
• It is less decentralized than others.
• Not a great option for advanced crypto users.

6. Strike

Strike is a payment app that goes beyond traditional banking, utilizing crypto and the lightning network to power fast, global, low-cost transactions. They offer each user a debit card to use for traditional payments and to receive crypto as a user spends.

They also support easy peer-to-peer transactions, payments to merchants, and automatic bitcoin purchases via a user-friendly interface. Strike’s API is excellent for developers and businesses that want to support near-instant, low-cost bitcoin payments for any use. Thus, Strike is an excellent option as an alternative to UtrustX.

Strike Features , Pros & Cons

Features

• Bitcoin & Lightning Integration
• Rapid international payments
• Merchant integration via API
• Designed for mobile
• Transactions at low cost

Pros

• Transactions on the Lightning Network are instantaneous
• Negligible transaction fees
• Transactions are completed almost instantaneously
• Account creation takes little time
• Ideal for various Bitcoin transactions

Cons

• Exclusively Bitcoin transactions
• Support for traditional currencies is minimal
• Not supported by most online stores
• Users are expected to have some knowledge of Bitcoin
• There are better options for some other blockchains

7. OpenNode

OpenNode is a comprehensive payment processor. They support traditional banking settlement, bitcoin payments, and automatic conversion to cryptocurrency, all seamlessly integrated into a business’s existing payment processor. They support checks, API integrations, instant payments via lightning network, and more.

OpenNode offers professional invoices, payouts, and POS systems for both retail and eCommerce, and is remarkably configurable. Fast settlement, safety, and global reach make OpenNode one of the best UtrustX alternatives for traders interested in speedy Bitcoin settlement, as well as developer-friendly APIs and tailored checkout solutions.

OpenNode Features , Pros & Cons

Features

• Accepting Bitcoin & Lightning Payments
• Instant payments
• Conversion of crypto to cash
• Pre-built payment webpages
• Payment Sending via Invoice

Pros

• Payments are processed within seconds
• Simple API for transactions
• Integration with cash payment is satisfactory
• Low Fees
• Strong Bitcoin Focus

Cons

• Only Bitcoin payment option
• Not the best option for other cryptocurrencies.
• Larger transactions are monitored
• Non-technical people may find it challenging to set up
• Some Areas have little local customer support

8. Crypto.com Pay

With the ability for merchants to enable customers to transact in one of the multiple supported cryptocurrencies and also provides customers with cashback rewards. Crypto.com Pay is part of the broader integrated ecosystem of Crypto.com and supports the various assets in its ecosystem, also offering convenient checkout interfaces and user wallets to millions.

This ecosystem participation boosts cross–platform usage and customer loyalty. This makes the solution attractive to merchants who are engagement and retention focused. Therefore, Crypto.com Pay is a strong alternative to UtrustX, offering cryptocurrency payment acceptance integrated with cross–platform rewards and a vast user base for retail and e‑commerce purposes.

Crypto.com Pay Features , Pros & Cons

Features

• Support for many cryptocurrencies
• Users can earn cashback
• Payments in the online stores of merchants
• Integration with Wallets
• Worldwide service

Pros

• Users can earn cashback for completing transactions
• Checkout is quick
• Large userbase can use the service
• Good support for mobile devices

Cons

• cashback can become expensive for merchants
• Trading Cryptocurrency in cash is not very transparent
• Part of the Crypto.com services
• Services provided differ for each of the regions.
• • Some services have associated costs.

9. AlfaCoins

This is a payment gateway with growing popularity that enables merchants to accept cryptocurrencies, allowing the support for various major coins along with features such as split payments, conversion to fiat automatically, invoice generation, and merchant plugins. Its straightforward integration and flexible payment options are friendly for small and medium businesses that want to broaden their payment options with a few easy steps.

As an alternative competitor to UtrustX, AlfaCoins has an advantage because they offer basic crypto payment functionality but makes it much simpler. They also offer a balance between a variety of features and ease of use, especially for new digital asset accepting merchants.

AlfaCoins Features , Pros & Cons

Features

• Supports various cryptocurrencies.
• • Converts cryptocurrencies to fiat automatically.
• • Management of invoices.
• • Application Programming Interface (API) and other E-commerce functionalities.
• • Ability to divide payments.

Pros

• Easy to set up for new sellers.
• • Numerous cryptocurrencies offered.
• • Invoice requests can be tailored.
• • Payments are automatically processed.
• • Refund requests are quick and painless.

Cons

• Limited coverage of the world.
• • Fewer sophisticated functionalities.
• • Conversions have associated fees.
• • User interface can be somewhat cumbersome.
• • Fewer documents are available for assistance.

10. Blockonomics

Blockonomics is a crypto payment processor that focuses primarily on privacy and allows merchants to receive direct payments in Bitcoin and Bitcoin Cash with no custodial middlemen. Blockonomics offers plugins to major payment integration platforms as well as an easy payment API.

There is also no mandatory KYC for basic usage. In this model, payments flow directly to the merchant’s wallet, which increases resistance to censorship of the payment as well as increases control for the user. This makes Blockonomics a direct competitor and alternative to UtrustX where these businesses and developers want privacy, and self custody with no 3rd parties and a simple setup.

Blockonomics Features , Pros & Cons

Features

• Accept payments directly in Bitcoin and Bitcoin Cash.
• • No need for custodial wallet.
• • Availability of plugins for common websites.
• • Provides an Application Programming Interface (API).
• • Email notifications for invoices.

Pros

• Complete custody of your wallet.
• • Protect your data.
• • Does not charge fees to use a third party to process payments.
• • User-friendly integration with WooCommerce.
• • Directly to your wallet for cash payments.

Cons

• Fewer coins can be accepted.
• • No tools available to convert cash to crypto.
• • More complicated to set up.
• • Not enough data is available for analysis.
• • Not suitable for bigger businesses.

Conclusion

Depending on the, business size, target market, and payment priorities, each and every alternative to XMoney (UtrustX) are all individually best suited to the characteristics of each customer. For merchants who need mainstream crypto, CoinPayments and CoinGate are best suited for those big crypto merchants. For those merchants who are crypto mainstream and need reliable fiat on-ramps, BitPay and OpenNode are more suited to those businesses.

For self custody and privacy, BTCPay Server and Blockonomics. OpenNode and BitPay are more suited for crypto mainstream and self custody and privacy models. When it comes to mainstream, PayPal Crypto Checkout and Crypto.com are where the best ecosystems are, while for instant, low cost Bitcoin payments, Strike is where it’s at. Overall, these alternatives to UtrustX are among the best for modern crypto commerce.

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