For companies looking to use digital payments with security, flexibility, and worldwide reach, investigating the Best MerchantO Crypto Alternatives is crucial.
Every platform has its own advantages, from popular choices like BitPay and PayPal Crypto Checkout to low-cost gateways like NOWPayments and CoinPayments.
These options enable merchants to seamlessly integrate cryptocurrency, lower expenses, and increase customer payment options globally, regardless of whether you prioritize multi-currency support, fiat conversion, or loyalty benefits.
What is MerchantO?
MerchantO provides services that allow businesses to receive payments easily and manage payments made to them online through an easy-to-use interface.
The business offers payment processing and transaction monitoring that can be integrated into a business wi for customer payments.
MerchantO an efficient solution to improve the checkout process and to digitally manage multi-currency transactions.
MerchantO also provides services to businesses with clients around the world and want to use digital and crypto currency.
Top 10 MerchantO Alternatives
| Gateway | Best For |
|---|---|
| NOWPayments | Merchants needing flexibility & low fees |
| CoinGate | E-commerce & SaaS |
| BitPay | Enterprises & global merchants |
| CoinPayments | High-volume merchants |
| PayPal (Crypto Checkout) | Retailers & consumer-facing brands |
| Crypto.com Pay | Merchants seeking loyalty incentives |
| OpenNode | Fast BTC settlements |
| AlfaCoins | Merchants needing volatility protection |
| SpectroCoin | EU-based merchants |
| CoinsBank | Travel & cross-border payments |
1. NOWPayments
NOWPayments is a crypto payment processing provider that is non-custodial and enables merchants to take more than 200 different cryptocurrencies such as Bitcoin, Ethereum, stablecoins, and a variety of altcoins.
Instant payouts straight to a merchant’s wallet is the most major benefit of this crypto payment processor as it enables you to keep full control of your funds, and not have to use custodial services.
The crypto payment processor is one of the most affordable with a ~ 0.5\% fee for every transaction and works great for SaaS companies and e-commerce firms with the most control and the lowest fees, and flexibility due to their integration options with Shopify, WooCommerce, and Magento.
NOWPayments Features
- More than 200 cryptocurrencies supported, such as Bitcoin, Ethereum, stablecoins, and altcoins
- Non-custodial with full control of funds
- Approximately a 0.5% fee for every transaction
- Instant payment withdrawals to merchant wallets
- Presto merchant low fee and flexibility
NOWPayments Pros & Cons
| Pros | Cons |
|---|---|
| Supports 200+ cryptocurrencies | Limited fiat conversion options |
| Low fees (~0.5% per transaction) | Merchants must manage volatility themselves |
| Non-custodial, instant payouts | Less mainstream recognition compared to BitPay/PayPal |
| Easy integration with Shopify, WooCommerce, Magento | Focused mainly on crypto-native merchants |
2. CoinGate
For 70 different cryptocurrencies such as Bitcoin, Litecoin, Ethereum, and stablecoins, CoinGate is a crypto payment processor that is a leading company in the industry and is integrated with most major e-commerce platforms and has API integration, point of sale applications, and many plugins.
The simplicity of their fee system is that it is 1% of each transaction and the merchant can opt to have the transaction settled in cryptocurrency or in regular currency to avoid the crypto market’s volatility.
Their best attribute is easy fiat conversion and wide integration options, which balance crypto adoption and fiat stability, making them most suitable for SaaS companies and online stores.
CoinGate Features
- More than 70 cryptocurrencies supported such as Bitcoin, Ethereum, Litecoin, and stablecoins
- API, POS, and e-commerce plugins available to use
- Approximately 1% fee taken for every transaction
- Ability to convert crypto to fiat currency to avoid crypto volatility
- Best for online stores and SaaS platforms
CoinGate Pros & Cons
| Pros | Cons |
|---|---|
| Supports 70+ cryptos | Higher fee (1%) than NOWPayments |
| Offers fiat conversion to avoid volatility | Smaller coin selection compared to CoinPayments |
| API, POS, and plugin integrations | Limited loyalty/reward features |
| Strong compliance and EU credibility | Less adoption outside Europe |
3: BitPay
As one of the most trusted crypto gateways and pioneers, with Bitcoin and Bitcoin Cash, and Ethereum and stablecoins, BitPay has a flat 1% transaction fee and instant fiat conversion, shielding merchants from the risks of volatility.
As such, BitPay is a strong candidate for offering debt services and invoicing tools to enterprises.
BitPay’s strongest attribute is mainstream credibility and compliance, making them the best options for large and global enterprises that prioritize the security and regulatory compliance of their solution with fiat settlement.
BitPay Features
- Supports Bitcoin, Bitcoin Cash, Ethereum, and stablecoins
- Flat fees of 1% for every transaction
- Instant conversion of crypto to fiat in USD, EUR, GBP currency are available
- Offers debit cards and invoicing tools as payment options
- Best for Enterprises and Global Merchants
BitPay Pros & Cons
| Pros | Cons |
|---|---|
| Oldest, most trusted crypto gateway | Limited coin support (BTC, BCH, ETH, stablecoins) |
| Flat 1% fee | Custodial model reduces merchant control |
| Instant fiat conversion | Higher fees than NOWPayments |
| Debit card and invoicing tools | Focused more on enterprises than small merchants |
4: CoinPayments
With one of the most versatile self-custodial wallets and the multi-coin payment gateways, CoinPayments is one of the few services that support over 2000 cryptocurrencies.
With a 0.5% fee that is highly competitive to their contemporaries, they also support plugins on various platforms like Shopify, WooCommerce.
CoinPayments services is most suitable for high volume merchants and crypto-businesses to accept a wide range of crypto assets, which is their`s and massive support and merchant support tools their strongest attribute.
CoinPayments Features
- Offers over 2000 different cryptocurrencies
- 0.5% fee for every transaction
- Features a multi-coin wallet and payment gateway
- Offers various plugins for different e-commerce platforms
- Best for: high-volume merchants and crypto-first businesses
CoinPayments Pros & Cons
| Pros | Cons |
|---|---|
| Supports 2,000+ cryptocurrencies | Custodial wallet may raise trust concerns |
| Low fees (0.5%) | Interface less polished than mainstream gateways |
| Large merchant network | Fiat conversion options limited |
| Plugins for Shopify, WooCommerce, Magento | Overwhelming coin list for small merchants |
5: PayPal _ Crypto Checkout
With Crypt checkout, they allow fast transactions at the merchants interface for Bitoin and the other cryptocurrencies, Ethereum, Litecoin, and Bitcoin Cash with automatic fiat conversion.
As part of PayPal’s services, they charge users a fee of 2.9 + a fixed fee per transaction. This fee is higher than crypto gateways, however, it is also one of the most used due to the trust mainstream customers give it.
PayPal is most useful for brands and retailers who want to give crypto payment options to their customers.
PayPal (Crypto Checkout) Features
- Crypto supported: BTC, ETH, LTC, BCH.
- Processing fee: standard PayPal fee (≈2.9% + fixed fee).
- Automatic conversion of cryptocurrency to fiat currency (merchant’s choice).
- Integrates easily with PayPal’s checkout interface.
- Best for: retail merchants + consumer businesses
PayPal (Crypto Checkout) Pros & Cons
| Pros | Cons |
|---|---|
| Mainstream adoption and consumer trust | High fees (~2.9% + fixed fee) |
| Automatic fiat conversion | Limited crypto support (BTC, ETH, LTC, BCH) |
| Easy integration with existing PayPal checkout | Custodial, no direct crypto control |
| Millions of PayPal users already onboard | Not ideal for crypto-native businesses |
6. Crypto.com Pay
Associating with Crypto.com values you with major coins and its own CRO token. Merchants gain 0% fees with CRO and 1% with the other cryptocurrencies.
Its advantages are cashback and loyalty customers, who are encouraged to spend by CRO. Merchants benefit most from Crypto.com when they are looking to easily integrate their boutique to an e-commerce platform.
Crypto.com Pay Features
- Crypto supported: most major cryptocurrencies & CRO token.
- Processing fee: 0% for CRO and ~1% for all other cryptocurrencies.
- Provides customers cashback and loyalty bonuses.
- Integrates easily with Crypto.com ecosystem.
- Best for: merchants with loyalty programs.
Crypto.com Pay Pros & Cons
| Pros | Cons |
|---|---|
| 0% fees for CRO payments | CRO dependency may limit adoption |
| Cashback rewards and loyalty incentives | Fees (~1%) for other cryptos |
| Strong ecosystem integration | Less fiat conversion flexibility |
| Easy e-commerce integration | Focused on Crypto.com users |
7. OpenNode
OpenNode has a Bitcoin only payment gateway that is advanced due to its usage of the Lightning Network for millisecond* transactions.
It has both on-chain and Lightning services and is 1% fee per transaction. Its advantages are fast and settlement speed that is especially good for those who want to only accept bitcoin.
openNode Features
- Crypto supported: Bitcoin ( lightning support only).
- Processing fee: 1% per transaction (B2B).
- Instant settlement of Bitcoin transactions (on-chain + lightning).
- Super scalable, simple and ultra-fast.
- Excellent developer documentation, APIs and integrations.
- Best for: merchants who would like to offer a bitcoin payment option.
OpenNode Pros & Cons
| Pros | Cons |
|---|---|
| Bitcoin-only with Lightning support | Only supports BTC (no altcoins) |
| Fast, instant settlements | Merchants miss out on multi-coin customers |
| Transparent 1% fee | Requires Lightning familiarity |
| Strong developer API | Limited mainstream adoption |
8. AlfaCoins
AlfaCoins is a gateway that has adapted to Bitcoin, Ethereum, Litecoin, Ripple, and other coins. It has one of the lowest costs for transaction fees with a flat 0.99% transaction fee.
It has a unique split settlement feature that no other coins are currently using for crypto payments. It allows the merchant to receieve both a fiat and crypto payment.
This maintains volatility risk and exposure to crypto. Its main flexible settlement options is why it is best suited for firms needing adoption of crypto while retaining fiat currency stability.
AlfaCoins Features
- Crypto supported: BTC, ETH, LTC, XRP, and others.
- Processing fees: 0.99% per transaction.
- Provides customers with either a crypto settlement or a fiat currency settlement on a split basis.
- Minimizes volatility risk for merchants.
- compliant and secure payment processing solution.
- Best for: businesses who need to offer both crypto and fiat payment options.
AlfaCoins Pros & Cons
| Pros | Cons |
|---|---|
| Supports BTC, ETH, LTC, XRP | Smaller coin selection |
| Split settlement (crypto + fiat) | Fee slightly higher (0.99%) |
| Reduces volatility risk | Less brand recognition globally |
| Secure and compliant | Limited advanced merchant tools |
9. SpectroCoin
SpectroCoin is a crypto gateway in Europe that also serves as an exchange and wallet. It covers Bitcoin, Ethereum, several stablecoins, and other major high-fee assets that require 1% on each transaction.
Merchants also have access to card service, exchange service, and instant fiat, thus a one-stop shop. Its major assets EU compliation and multi-functionality is why it is best suited for merchants in Europe and firms wanting more than a gateway.
SpectroCoin Features
- Supports the major coins including BTC, ETH, and stablecoins
- Fees: ~1% per transaction
- Offers gateway, exchange, and card services
- Located and regulated in the EU
- All in one solution for businesses
- Best for: companies in Europe looking to offer their clients complete crypto services
SpectroCoin Pros & Cons
| Pros | Cons |
|---|---|
| Gateway + exchange + card services | Fees around 1% |
| Supports BTC, ETH, stablecoins | Smaller ecosystem compared to BitPay/PayPal |
| EU-based with strong compliance | Primarily focused on European merchants |
| Multi-functional platform | Less adoption outside EU |
10. CoinsBank
Bitcoin, Ethereum, Litecoin, and other big coins are supported by CoinsBank, a cryptogateway, an exchange, and a debit card issuer.
Merchant’s fees depend on what settlement type they have, also, they get to enjoy payment integration and cards.
Support in travel, and international payments is its major strength, serving best in industries related to travel, hospitality, and border commerce that need fast crypto-to-fiat.
CoinsBank Features
- Supports BTC, ETH, LTC, and other major coins
- Depends on the type of settlement
- Gateway and exchange with card services
- Flexible cross-border payments
- Ideal for travel and hospitality
- Best for: merchants in travel and international commerce
CoinsBank Pros & Cons
| Pros | Cons |
|---|---|
| Gateway + exchange + debit card integration | Variable fees depending on settlement |
| Strong cross-border payment support | Smaller coin support (BTC, ETH, LTC) |
| Travel and hospitality-friendly | Less adoption among e-commerce merchants |
| International payment solutions | Custodial model reduces merchant control |
How To Choose the Best MerchantO Crypto Alternatives?
Supported Cryptocurrencies
Pick platforms that support primary cryptocurrencies, stablecoins, and major altcoins to guarantee flexibility and satisfy customers’ payment needs worldwide.
Integration & Compatibility
Confirm that the gateway integrates with your website, eCommerce platform, APIs, plugins, and POS systems for seamless processes during setup and efficient payment processing.
Security & Compliance
Look for strong security features, like encrypted, non-custodial, and fraud protection with compliant regulatory frameworks to protect the funds of the merchant and customers.
Transaction Fees & Pricing
To maintain profitability, an inexpensive alternative without hidden fees should be found by evaluating processing, withdrawal, and conversion fees.
Settlement Options
Decentralized cryptocurrencies that offer instant payouts or stablecoins will help your business with even more flexible cash flow.
Global Accessibility
Opt for a crypto payment gateway that allows no barriers for international, multi-currency, and cross-border payments.
Customer Support & Reliability
To ensure there are no business interruptions, they need to solve payment dilemmas quickly and keep the business running without interruptions.
Conclusion
Best MerchantO Crypto Alternatives ascertains merchants diversely accept paymnets digitally. NOWPayments & CoinPayments offer best pricing and multiple coins. With crypto mentalist, BitPay and PayPal Crypto Checkout.
CoinGate & AlfaCoins protect crypto main mentalists & crypto valoltin. Crypto.com Pay gives loyalty points. If a business concentrates with Bitcoin, payment processing is instant with OpenNode. SpectroCoin & CoinsBank opened up to cross business with merchants in Europe.
With payment gateways in business, at the core are prices, paired coins, compliance and the businesses needs streamline crypto in payment.
FAQ
What are MerchantO crypto alternatives?
They are payment gateways like NOWPayments, CoinGate, BitPay, and others that let merchants accept cryptocurrency securely.
Which has the lowest fees?
NOWPayments and CoinPayments charge around 0.5% per transaction, making them cost-effective.
Which supports the most coins?
CoinPayments supports over 2,000 cryptocurrencies, ideal for diverse merchants.
Which offers mainstream trust?
BitPay and PayPal Crypto Checkout provide strong compliance and consumer confidence.
How do I choose?
Consider fees, supported currencies, fiat conversion, compliance, and your business model.
