10 Best BitPay Competitors for Crypto Invoicing in 2026

In this article, I will review the Best BitPay Competitors for Crypto Invoicing. These are platforms that help businesses create invoices, accept cryptocurrencies, manage payments, and handle settlements. I’ll compare supported assets, invoicing features, fees, custody models, APIs, integrations, recurring billing, compliance, and settlement options. This will help businesses understand the differences between these platforms and what each has to offer.

What Is BitPay Competitors?

BitPay competitors are cryptocurrency payment and invoicing platforms that offer businesses options for accepting, processing, and managing digital asset payments. These platforms typically provide crypto invoices, payment links, hosted checkout, APIs, recurring billing, cryptocurrency conversion, merchant wallets, and fiat or stablecoin settlement. Examples are CoinGate, NOWPayments, Coinbase Business, Cryptomus, CoinPayments, Triple-A, CoinsPaid, BTCPay Server, 0xProcessing and PassimPay.

They differ in terms of cryptocurrencies and blockchain networks they support, transaction fees, custody models, compliance, integrations and settlement options. When selecting an invoicing solution that corresponds to their payment volume, technical requirements, customer base and desired control over crypto assets, businesses often make a comparison of these factors.

How To Choose BitPay Competitors for Crypto Invoicing

Compare Crypto Invoicing Features

See if the platform has hosted invoices, payment links, QR codes, invoice customization, expiration dates, payment tracking, and automated invoice creation.

Check Supported Cryptocurrencies

Discover the available cryptocurrencies, stablecoins and blockchain networks. Make sure your platform supports the assets and networks your customers actually use.

Determine the Complete Cost of Fees

Read the transaction fee at face value. Compare processing, conversion, withdrawal, settlement and blockchain network costs.

** Consider Custody Options

Identify if the provider is custodial, non-custodial or offers both. If a company is about direct wallet control, it should really take a serious look at self-custody capabilities.

Think about settlement choices

Check if you are able to get paid in cryptocurrency, stablecoins or fiat currencies and if there is an automatic conversion feature.

Assess API and Automation

If you need to integrate crypto invoicing with an existing website or business system, look for APIs, SDKs, webhooks, payment-status notifications and automated invoice creation.

Check Integrations

And ensure it works well with the ecommerce platforms, accounting software, shopping carts, CRM systems and other tools that your business uses.

Identify Compliance Requirements

Open a merchant account, review KYC, KYB, AML procedures, licensing, transaction limits, supported countries.

Evaluate Payment Tracking and Reporting

Select a platform that offers invoice status, transaction history, blockchain transaction IDs, exports, reconciliation tools, and reporting.

Consider the customer’s payment experience

Look at the checkout and invoicing process from the perspective of the customer: wallet compatibility, QR payments, supported networks, payment instructions, confirmation times.

Key Points

Platform	Best For	Key Crypto Invoicing Features
CoinGate	Global merchants & eCommerce	Custom invoices, payment links, fiat settlements, Shopify/WooCommerce integrations, Lightning Network support.
NOWPayments	Businesses needing broad coin support	Crypto invoices, 350+ cryptocurrencies, auto-conversion, recurring payments, mass payouts.
Coinbase Commerce	Businesses seeking a trusted brand	Hosted invoices, USDC settlements, simple checkout integration, self-custody options.
Cryptomus	SMEs and freelancers	Crypto invoices, payment links, business wallets, automatic conversions, multi-currency support.
CoinPayments	Merchants accepting many altcoins	Invoice generation, support for hundreds of cryptocurrencies, merchant tools, shopping cart plugins.
Triple-A	Enterprise crypto payments	Crypto invoicing, regulatory compliance focus, stablecoin acceptance, global merchant services.
CoinsPaid	High-volume businesses	Automated invoicing, crypto processing, fiat settlement options, mass payouts.
BTCPay Server	Self-hosted businesses	Open-source invoices, zero processing fees, full fund control, Lightning Network support.
0xProcessing	High-risk industries & international merchants	Invoice management, crypto processing, mass payouts, AML tools, stablecoin support.
PassimPay	Online businesses seeking lower fees	Crypto invoice creation, multi-coin payments, merchant dashboard, global payment acceptance.

1. CoinGate

Founded in 2014, CoinGate offers crypto invoicing with payment requests that can be sent by email or via direct payment links. The invoice system supports product line items, payment expiration, recurring weekly or monthly invoices and selectable settlement currencies. CoinGate supports a variety of cryptocurrencies and networks, and merchants can settle in either cryptocurrencies or fiat currencies such as EUR, USD and GBP.

Its standard processing fee is 1% and there may be conversion and withdrawal/network fees. The platform also has a managed merchant-processing model, and offers APIs, plugins, payment tracking and automated accounting features.

CoinGate – Best For

• Small businesses that accept payment in cryptocurrency
• Professional crypto invoices to clients by freelancers
• Agencies for international client payments
• Business settlement options from crypto to fiat
• Recurring crypto billing and payment links for merchants

Feature	Details
Invoice Creation	Create crypto invoices directly from the dashboard without coding.
Invoice Delivery	Send invoices through email or share a secure payment link.
Billing	Supports one-time, weekly, and monthly billing schedules.
Payment Assets	Supports 10+ cryptocurrencies, including BTC, ETH and USDC.
Settlement	Merchants can receive crypto, stablecoins, or supported fiat currencies such as EUR, GBP and USD.
Product Details	Add products, quantities, prices, company information and customer contacts.
Expiration	Set an invoice payment deadline.
Underpayment Protection	Merchants can configure an underpayment coverage percentage.
API	Provides API integration for businesses wanting automated billing.
Tracking	Dashboard shows paid, pending and canceled invoices.
Integrations	Supports payment integrations and e-commerce tools.
Compliance	Provides regulated crypto-payment infrastructure and describes its billing product as MiCA-compliant.
Best Use	Freelancers, agencies, B2B companies and service businesses.

2. NOWPayments

NOWPayments, launched in 2019, provides crypto invoicing through payment links, API-generated invoices and its merchant dashboard. It provides 350+ cryptocurrencies to cover assets widely for customer payments. NOWPayments provides a non-custodial solution and also has the custody functionality where funds can be sent to a merchant wallet.

The published fees are 1% for payments without exchange and 1.5% for multi-currency or some fixed-rate payments. Conversion fees may apply separately. Merchants can use the platform’s APIs, webhooks, subscriptions, plugins, fiat settlement options and payment status tracking.

NOWPayments – Best for

• Businesses online that take multiple cryptocurrencies
• SaaS companies needing recurring crypto payments
• Payment links for freelancers and agencies
• Companies looking for full crypto support
• API & webhook-based payment automation for developers

Feature	Details
Invoice Creation	Generate crypto invoices from the merchant account.
Invoice Delivery	Send invoices through email or share them with customers.
Customization	Add company branding, colors and detailed line items.
Fiat Pricing	Price invoices in USD, EUR or other supported fiat currencies.
Crypto Conversion	Automatically calculate the crypto equivalent of a fiat-denominated invoice.
Payment Assets	Supports a large range of cryptocurrencies.
API	Provides API tools for automated payment and invoice integration.
Payment Link	Customers can access invoices through a payment page/link.
QR Payment	Customers can use wallet QR codes to complete payments.
Recurring Payments	Supports recurring payment functionality for business billing.
Webhooks	Payment events can be communicated to merchant systems.
Volatility Protection	Auto-conversion can help merchants reduce exposure to crypto price movements.
Best Use	Freelancers, agencies, SaaS and B2B businesses.

3. Coinbase Commerce

Coinbase Commerce was a self-custodial crypto payment platform, but its standalone Commerce service was merged into Coinbase Business in 2026. So the deadline to transition is March 31 2026. Coinbase Business is the product for you right now. Earlier, Commerce was supporting payment links and API based payments with 1% transaction fee and self-custody.

Coinbase Business now includes custody, bank offramps, accounting integrations, payouts and invoicing and is available to eligible businesses in the United States and Singapore. So when businesses are looking for BitPay alternatives, use the comparison of Coinbase Business and don’t think of Commerce as an active, standalone product.

Coinbase Commerce—Best for

• Businesses already on the Coinbase ecosystem
• Merchants can accept stablecoin payments
  Companies wishing to invoice in USDC
  Businesses that need to keep track of invoices and payments
• Businesses in the US and eligible markets looking for integrated crypto-to-fiat workflows

Feature	Details
Current Product	Coinbase Business is the current business invoicing product; Coinbase Commerce was transitioned into Coinbase Business.
Invoice Creation	Create invoices with customers, line items, amounts, taxes and due dates.
Invoice Delivery	Send invoices by email or share an invoice link.
Recurring Invoices	Supports recurring invoice creation.
Payment Asset	Customers currently pay invoices in USDC.
Networks	USDC payments are supported on Ethereum, Base, Polygon, Optimism and Arbitrum.
Settlement	Payments settle to the Coinbase Business account.
Auto Conversion	Incoming USDC can be automatically converted to USD.
Bank Withdrawal	Businesses can withdraw funds to a bank account.
Payment Tracking	Dashboard tracks invoice and payment status.
Payment Links	Businesses can create single-use or reusable payment links.
API	Coinbase provides developer APIs and CDP infrastructure for business payment workflows.
Chargebacks	Crypto payments do not involve traditional card chargebacks.
Best Use	Businesses wanting stablecoin-based invoicing and integrated crypto financial management.

4. Cryptomus

Cryptomus also provides crypto invoicing with API generated invoices. Merchants can define the invoice amount, currency, blockchain network, accepted currencies, payment tolerance and source of exchange rates. On the payment page clients can choose an available crypto and network. Webhooks report on invoice statuses like paid, partially paid, overpaid, expired, and others.

Cryptomus supports 100+ cryptocurrencies and the fees start from 0.4% depending on the service and conditions. Features: auto-conversion, recurring payments, APIs, payment links, wallet tools, AML monitoring, merchant security controls.

Cryptomus — Best For

• Ecommerce shops accepting various crypto assets
• SaaS companies for crypto billing automation
• Companies needing API based invoice generation
• Merchants using stablecoins to hedge volatility exposure
• Companies that need payment links, recurring payments and automated conversion

Feature	Details
Invoice API	Create invoices programmatically through its merchant API.
Payment Page	Customers receive a hosted crypto payment interface.
Payment Link	Invoice links can be shared directly with customers.
Cryptocurrency Support	Supports a broad selection of cryptocurrencies and blockchain networks.
Network Selection	Merchants can specify supported payment networks.
Exchange Rate	Invoice settings can use selected exchange-rate sources.
Payment Tolerance	Merchants can configure acceptable payment deviations.
Auto Conversion	Supports cryptocurrency conversion to reduce volatility exposure.
Webhooks	Payment status updates can be sent to merchant systems.
Recurring Payments	Provides recurring-payment functionality.
Wallets	Includes merchant wallet and payment-management functionality.
Compliance	Provides AML and merchant-verification controls.
API Integration	Suitable for automated websites, applications and payment systems.
Best Use	Ecommerce, SaaS, online businesses and companies requiring API-based crypto payments.

5. CoinPayments

Since 2013, CoinPayments has provided hosted crypto invoices, payment links, Buy Now buttons and API checkout. Its current platform supports 100+ cryptocurrencies and its invoicing API can create hosted checkout URLs, track payment statuses, manage invoices and send webhook notifications.

0.5% fees for coins ** and ** 1 % for tokens ** are charged by CoinPayments. Network fees may apply based on the settlement. It comes with custodial wallet functionality, crypto conversion, fiat settlement with available partners, e-commerce integrations, accounting integrations, recurring payment links, enterprise multi-sig custody.

CoinPayments – Best for

• E-commerce merchants that accept various crypto currencies
• Hosted crypto checkout for online stores
• API-based payment integration for businesses
• Recurring crypto payment subscription businesses
• All-in-one platform for merchants to discover wallets, invoices and payment tools

Feature	Details
Invoice Creation	Generate hosted cryptocurrency invoices through the dashboard or API.
Hosted Checkout	Customers can complete payment through a CoinPayments-hosted checkout.
Multi-Currency	Invoices can be generated in supported cryptocurrencies and tokens.
Buy Now Buttons	Merchants can embed payment buttons into websites.
White-Label Checkout	Businesses can integrate payment processing into their own interface.
API	REST API supports invoices, wallets, transactions and payment operations.
Webhooks	Provides event notifications for payment and invoice lifecycle changes.
Invoice Management	Merchants can list, inspect, cancel and manage invoices.
Payment Tracking	Tracks invoice status and payment history.
Wallets	Supports multi-currency wallet management.
Reconciliation	Transaction and payout history can be retrieved for accounting workflows.
Recurring Billing	Invoice infrastructure can be used for recurring services and subscriptions.
Best Use	Ecommerce, subscriptions, SaaS and businesses needing customizable crypto checkout.

6. Triple-A

Founded in 2020, Triple-A is largely focused on regulated digital currency and stablecoin payments for businesses. Its invoice model enables merchants to send digital-currency payment requests to customers directly via email, and its checkout supports stablecoins and major cryptocurrencies such as USDT, USDC, BTC, and ETH (depending on supported networks and jurisdictions).

Triple-A offers locked-in exchange rates, instant payment confirmation and next-day local-currency bank settlement. It is regulated under financial licences in Singapore, the EU and other jurisdictions. Prices are generally commercial, as opposed to being published as one universal merchant rate.

Triple-A Best For

• Businesses in regulated crypto payments
• Use of stablecoins for B2B transactions by companies
  Settlement infrastructure for international business
• Companies that require transaction reporting and reconciliation
• Managing merchant services for crypto payments and payouts

Feature	Details
Invoicing	Create and send crypto payment requests through the merchant dashboard.
Payment Forms	Customize payment forms with company name, logo and colors.
Payment Options	Merchants can select the cryptocurrencies they want to accept.
Transaction Tracking	Track crypto and fiat transaction amounts, dates, status and transaction hashes.
Reconciliation	Export transaction history in CSV format for accounting and reconciliation.
Crypto Payouts	Supports crypto payouts subject to activation and account requirements.
User Management	Multiple users can be managed under a merchant account.
Stablecoin Payments	Supports stablecoin-based business payment workflows.
Settlement	Provides merchant settlement functionality according to supported currencies and jurisdiction.
Dashboard	Centralized dashboard for invoices, transactions and payment management.
Compliance	Operates as a regulated digital-payment provider in applicable jurisdictions.
Best Use	Businesses requiring regulated crypto and stablecoin payment infrastructure.

7 CoinsPaid

CoinsPaid is a 11 years of blockchain experience crypto payment infrastructure with enterprise level solutions such as acceptance, settlement, custody, compliance and reconciliation. The business model is aimed at companies that need payment processing, not just simple invoice links, and provides merchant management and settlement infrastructure through its platform.

CoinsPaid provides cryptocurrency payment processing, fiat-related operations, compliance and transaction monitoring. Pricing is typically tailored to business volume, industry and needs instead of being a one-size-fits-all public invoice fee. Its enterprise infrastructure powers wallets, liquidity, payouts, and API integrations.

CoinsPaid — Best For

• Businesses that process large volumes of crypto payments
• Payment infrastructure for crypto-native firms
• businesses needing compliance and transaction monitoring
• Businesses that need crypto acceptance and payout features
  Enterprises looking for APIs and managed digital-asset payment infrastructure

Feature	Details
Crypto Payments	Provides infrastructure for accepting cryptocurrency payments.
Merchant Processing	Designed for businesses processing crypto transactions at scale.
Crypto Settlement	Supports merchant settlement workflows involving digital assets.
Wallet Infrastructure	Provides crypto wallet and asset-management functionality.
API	Business integrations can connect payment infrastructure with existing systems.
Compliance	Includes KYC/AML and transaction-monitoring capabilities.
Conversion	Supports crypto conversion and liquidity-related payment operations.
Payouts	Provides infrastructure for sending cryptocurrency payments.
Reconciliation	Merchant transaction management supports accounting and operational reporting.
Enterprise Focus	Primarily designed around business and enterprise payment requirements.
Multi-Asset	Supports multiple cryptocurrencies and digital assets.
Best Use	Larger businesses, crypto-native companies and enterprises requiring managed payment infrastructure.

8. BTCPay-Server

BTCPay Server is a free, open-source, self-hosted cryptocurrency payment processor, not a traditional payment company. Its invoicing system enables merchants to create and manage invoices, payment links and payment notifications sending funds directly to connected wallets.

BTCPay itself does not charge any processing fees, but merchants will need to pay for the blockchain network and hosting. Bitcoin and Lightning are the primary payment rails, with other cryptocurrencies supported via supported integrations.

The system is non-custodial, has API and webhook automation and can integrate with many e-commerce platforms. This makes it especially relevant for businesses that want to have direct control over their wallets.

BTCPay Server — Best For

• Businesses that want to hold payment funds in self-custody
• Merchants that accept Bitcoin
• Open source payment infrastructure preferred by companies
• Developers building custom crypto payment systems
• Merchants who want to avoid third-party processing

Feature	Details
Architecture	Free, open-source and self-hosted cryptocurrency payment processor.
Invoice Creation	Automatically generates invoices for customer payments.
Self-Custody	Merchants maintain control of their wallets and funds.
Bitcoin	Bitcoin is the core payment asset.
Lightning	Supports Lightning-based Bitcoin payments.
Fees	BTCPay Server itself charges no transaction processing fee; blockchain network fees still apply.
Exchange Rate Lock	Invoices can use a fixed exchange rate during their validity period.
Payment Tracking	Tracks invoice status through blockchain confirmation.
Invoice Filters	Invoices can be filtered by store, order ID, item ID, status and date.
Export	Invoice data can be exported in CSV or JSON.
Refunds	Refunds can be initiated from the invoice interface.
API	Provides developer tools for automated payment workflows.
E-commerce	Can integrate with online stores and other merchant systems.
Best Use	Businesses prioritizing self-custody, open-source infrastructure and direct Bitcoin payments.

9. 0xProcessing

0xProcessing offers crypto invoicing with payment-link invoices that can be paid by customers directly from their wallets. Its invoice links can remain valid for up to 14 days. Completed payments are credited after blockchain confirmation.

The platform supports 100+ assets, including BTC, ETH, USDT, USDC, TRX, SOL, BNB, XRP and multiple networks such as Ethereum, Tron, BNB Chain, Polygon, Arbitrum, Base and Solana. Processing fees are based on the merchant business model and monthly turnover. Network fees are separate and dynamic. The platform also has API integration, conversion and settlement infrastructure.

0xProcessing – Good For

• Crypto invoicing for cross-border B2B companies
  Freelancers and agencies accepting crypto payment links
• Merchants that accept multiple cryptocurrencies and stablecoins
• Automated merchant conversion from crypto to stablecoin
• Companies looking for crypto payment processing via APIs

Feature	Details
Crypto Invoices	Create crypto invoices directly through the merchant dashboard.
Payment Links	Each invoice can be shared with a customer as a payment link.
Payment Period	Invoice links can remain valid for up to 14 days.
Asset Support	Supports 100+ cryptocurrency assets according to its current invoice product.
Stablecoins	Supports major stablecoin payment options.
Real-Time Tracking	Merchants can monitor invoice and payment status from the dashboard.
Settlement	Funds are credited after blockchain confirmation.
Conversion	Auto-conversion to stablecoins can reduce crypto-price volatility.
Fiat Withdrawal	Provides crypto-to-fiat withdrawal options through supported banking rails.
Fees	Charges on completed transactions rather than a monthly subscription according to its invoice product.
API	Provides integration options for businesses requiring automated crypto payment processing.
Security	Uses its own blockchain/payment infrastructure and transaction monitoring.
Global Payments	Supports international invoicing, subject to applicable restrictions.
Best Use	B2B businesses, agencies, freelancers and companies billing international clients in crypto.

10. PassimPay

Founded in 2022, PassimPay provides crypto invoicing via customizable payment links, invoices, QR codes, API integrations, and merchant dashboards. It currently supports 74+ cryptocurrencies on 18+ blockchains including BTC, ETH, USDT, USDC, TRX, SOL, BNB, XRP and more. Business processing fees start at 0.5% , though final pricing is contingent on merchant and business circumstances.

PassimPay also features automatic conversion, payment tracking, mass payouts, CMS integrations and eligible fiat settlement options. Corporate customers undergo know-your-business verification. The platform offers business reporting and transaction-management tools.

PassimPay – Best For

• Ecommerce websites accepting different cryptocurrencies
• Online businesses with crypto payment links & QR codes
• Businesses that need API based payment integration
• Merchants doing crypto payouts and conversions
• Businesses requiring cryptocurrency payment support for multiple chains

Feature	Details
Crypto Invoices	Provides cryptocurrency invoices for business payment collection.
Payment Links	Merchants can create payment links for customers.
QR Payments	QR-based payment functionality simplifies wallet payments.
API	API tools allow businesses to connect crypto payments with their applications.
Cryptocurrency Support	Supports a broad selection of cryptocurrencies and blockchain networks.
Automatic Conversion	Provides conversion functionality for managing received crypto.
Payment Tracking	Merchant dashboard allows transaction monitoring.
Mass Payouts	Supports bulk cryptocurrency payout operations.
CMS Integration	Provides integrations for selected e-commerce/CMS environments.
Settlement	Supports crypto management and available fiat settlement options.
Compliance	Business customers may be subject to KYB and compliance checks.
Merchant Dashboard	Centralizes payment, invoice and transaction management.
Best Use	Ecommerce, online businesses, agencies and companies accepting multiple cryptocurrencies.

Conclusion

BitPay’s top competitors solve different business problems in crypto invoicing, payment processing, settlement and automation. CoinGate and NOWPayments are great for businesses that want to accept a wide range of cryptocurrencies and have flexible invoicing options. Cryptomus and CoinPayments offer API-based solutions for ecommerce and online businesses.

Coinbase Commerce, now part of Coinbase Business, is heavily focused on business payments in USDC. AAA And CoinsPaid target regulated and enterprise-oriented payment workflows, while BTCPay Server is focused on self-custody and open source infrastructure. 0xProcessing and PassimPay offer multi-asset payments and invoicing. Businesses should consider fees, supported assets, custody, settlement, APIs, compliance and integrations before choosing a platform.

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