The Top UNIPay Crypto Gateway Substitutes for 2026 will be covered in this post. Businesses are looking for dependable, safe, and affordable gateways to accept digital currencies as cryptocurrency payments continue to increase globally.
These options, which range from CoinGate and BitPay to BTCPay Server, provide strong features, wide coin support, fiat settlement, and worldwide reach, assisting businesses in streamlining cryptocurrency payments and growing globally.
About UNIPay Crypto Gateway Alternatives
Alternatives to UNIPay Crypto Gateway are frequently utilized by businesses and merchants seeking adaptable, safe, and internationally acceptable ways to take cryptocurrency payments.
In addition to providing features like rapid payment confirmation, API interfaces, invoicing, and seamless conversion to fiat currencies, these alternatives usually support several cryptocurrencies, including Bitcoin, Ethereum, and stablecoins.
Well-known UNIPay substitutes that serve a variety of business demands, from tiny online retailers to major corporations, include CoinGate, BitPay, NOWPayments, CoinPayments, B2BinPay, OpenNode, Alchemy Pay, TripleA, and BTCPay Server.
They are dependable options for the acceptance of cryptocurrency payments worldwide in 2026 because they offer more country support, competitive transaction fees, better regulatory compliance, and enhanced customer service coverage throughout areas like North America, Europe, and Asia.
How To Select UNIPay Crypto Gateway Alternatives In 2026
Cryptocurrency and Stablecoin Compatible
Select a payment gateway that can accommodate major cryptocurrencies such as Bitcoin, Ethereum, USDT, and USDC and other popular altcoins. For global firms, supporting a greater variety of cryptocurrencies will result in a higher conversion rate since coin availability increases payment alternatives for customers.
Transaction Fees and Settlement Costs
For 2026, evaluate processing, conversion, and withdrawal fees and use benchmarks of competitive gateways in the industry charging 0.5%–1% per transaction. High-volume merchants require a considerably lower fee to sustain the business.
Fiat Settlement and Auto-Conversion
Choose services with instant conversion from crypto to fiat in currencies such as the USD, EUR, or any preferred local currencies, to help the business eliminate crypto volatility. This will help the business streamline accounting and cash-flow management.
Country and Regulatory Coverage
Make certain that the gateway functions legally in your target markets. UNIPay alternatives that support a greater number of regions (US, EU, Asia, MENA) and adhere to KYC, AML, and local regulations have lower operational risks.
Integration and API Customizability
Find developer-friendly APIs, SDKs, and plugins that support integration with Shopify, WooCommerce, Magento, or other use-case specific websites. Minimized integration efforts lead to faster deployment and more reliable checkout.
Security and Custody Strategy
Determine if the gateway is custodial or non-custodial. Without custodial solutions (like BTCPay Server), you would not have full control over funds and managed security would not be there but custodial gateways would be more convenient.
Payment Turbo Speed and Scalability
Determine the confirmation speed and availability of the Lightning Network and the ability to process in large volume. For e-commerce, gaming, SaaS and subscription-based businesses, fast settlement is critical.
Support and Technical Help
Reliable 24/7 customer support, onboarding assistance, and technical documentation become very important. It’s better to choose providers with regional support teams and rapid response times.
Key Points of Leading Crypto Gateways
| Gateway | Key Point |
|---|---|
| CoinGate | Provides a secure platform for accepting cryptocurrency payments with fiat settlement options |
| BitPay | Known for its user-friendly approach and support for multiple cryptocurrencies including stablecoins |
| NOWPayments | Non-custodial gateway offering auto-conversion, recurring billing, and wide coin support |
| CoinPayments | Global processor supporting 2,000+ coins with POS integrations and merchant tools |
| PayBito | Focuses on seamless crypto transaction experiences with exchange-backed services |
| B2BinPay | Versatile enterprise-grade gateway enabling crypto acceptance and fiat settlement |
| OpenNode | Specializes in Bitcoin and Lightning Network payments with instant settlement |
| Alchemipay | Hybrid fiat-crypto gateway bridging traditional finance and DeFi ecosystems |
| TripleA | Licensed in Singapore, offers low fees and instant conversion for regulated businesses |
| BTCPay Server | Open-source, self-hosted gateway with zero fees and full merchant privacy control |
1. CoinGate
CoinGate is a provider of services related to cryptocurrency payments that was established in 2014 in Lithuania. CoinGate has average transaction fees of approximately 1% and provides services in over 70 cryptocurrencies, which include Bitcoin, Ethereum, and stablecoins.
Merchants have the option of settling payments in Euros, U.S. dollars, or British pounds, which help shield from volatility. CoinGate, although operating in over 180 countries in the world, has U.S. Merchant services restricted.
In Europe and Asia, customer support is offered through email and live chat. CoinGate has been one of the best UNIPay alternatives.
CoinGate Features
- Headquartered in Lithuania, started in 2014.
- Accepts over 70 different crypto coins.
- Settles in Euros, Dollars, or British Pounds.
- Compatible with Shopify, WooCommerce, and Magento.
- Worldwide, with a powerful EU prescence.
CoinGate Pros & Cons
| Pros | Cons |
|---|---|
| Supports 70+ cryptocurrencies | Limited U.S. merchant support |
| Fiat settlement in EUR, USD, GBP | Fees around 1% may be higher than some competitors |
| Easy integration with Shopify, WooCommerce, Magento | Focused more on Europe than global expansion |
| Strong security and compliance | Customer support mainly via email/live chat |
2. BitPay
BitPay is considered one of the oldest crypto gateways. Based in Atlanta, USA, the company was established in 2011.
BitPay also provides customer support in the U.S. and around the rest of the world. Based on 1% per transaction service fee model, the company supports Bitcoin, Bitcoin Cash, Ethereum, and stablecoins.
Merchants in over 200 countries, excluding areas with OFAC sanctions, can settle payments in fiat. Widely trusted for a user-friendly interface, the company is a top UNIPay alternative targeted towards larger businesses and eCommerce platforms.
BitPay Features
- Headquartered in the USA, started in 2011.
- Accepts Bitcoin, Ethereum, Bitcoin Cash, and stable coins.
- Has a transaction charge of 1%.
- Settles the fiat in over 200 countries.
- Has a user friendly portal and chargeback protection.
BitPay Pros & Cons
| Pros | Cons |
|---|---|
| Founded in 2011, highly trusted | Limited coin support compared to newer gateways |
| Supports BTC, ETH, BCH, stablecoins | 1% transaction fee across all payments |
| Global fiat settlement in 200+ countries | Some merchants report slow onboarding |
| User-friendly dashboard & chargeback prevention | Compliance-heavy, requires KYC |
3. NOWPayments
NOWPayments is a non-custodial gateway established in 2019 with fees starting at 0.5\% to 1\%. The service also has auto-conversion, recurring billing, and mass payment services and supports over 75 cryptocurrencies.
Although based in the US, NOWPayments operates in 170+ countries worldwide, primarily in Europe and Asia. Customers can reach the company through the ticketing and live chat system.
NowPayments is the best alternative to UNIPay for SaaS and subscription-oriented businesses that demand flexibility and lower costs.
NOWPayments Features
- Established in 2019.
- This payment gateway is non- custodial.
- Accepts 75 or more crypto assets.
- Has automated conversion and subscription billing.
- Offers a 0.5-1% fee for Global access.
NOWPayments Pros & Cons
| Pros | Cons |
|---|---|
| Non-custodial, merchants control funds | Newer player (founded 2019), less brand recognition |
| Supports 75+ cryptocurrencies | No fiat settlement, crypto-only payouts |
| Auto-conversion & recurring billing | Customer support mainly ticket-based |
| Low fees (0.5–1%) | Limited enterprise-grade features |
4. CoinPayments
CoinPayments is one of the oldest companies in the digital currency industry, having been established in 2013 in Canada. CoinPayments has a processing fee of 0.5-1% and provides services to 2,000+ different coins.
It provides shopping cart plugins, POS systems, and donation tools. It provides services to 190+ countries worldwide, with branches in North America and Europe.
For customer support, they have the email and ticketing systems. For coin support and broad reach, CoinPayments is one of the best\nUNIPay alternatives.
CoinPayments Features
- Established in 2013. Has a base in Canada.
- Accepts over 2000 crypto- coins.
- Has point of sale systems and shopping cart automation.
- Has service charges of about 0.5 to 1%.
- This service spans in more than 190 countries.
CoinPayments Pros & Cons
| Pros | Cons |
|---|---|
| Supports 2,000+ cryptocurrencies | Higher risk of volatility with so many coins |
| POS systems & shopping cart plugins | Fees 0.5–1% can add up for high-volume merchants |
| Operates in 190+ countries | Customer support slower compared to competitors |
| Strong global adoption | Interface less modern than rivals |
5. PayBito
Although based in the US, PayBito was founded in 2015 in Palo Alto. PayBito offers free API integrations for accepting crypto payments. It supports major coins such as BTC, ETH, and XRP with fiat settlements.
PayBito operates in Asia, North America, and the Middle East. Customer service is available 24/7 via email and phone. PayBito places a strong emphasis on seamless transactions and services backed by an exchange. It is one of the best UNIPay alternatives.
PayBito Features
- Established in 2015. Has a base in the USA.
- Has support for Bitcoin, Ethereum, XRP, and Litecoin.
- Offers smooth API connection.
- Offers services that are backed by an Exchange.
- Has a strong defacto prescence in the Asia and the Middle East.
PayBito Pros & Cons
| Pros | Cons |
|---|---|
| Exchange-backed services | Smaller global footprint than BitPay or CoinPayments |
| Supports BTC, ETH, XRP, LTC | Limited fiat settlement options |
| Seamless API integration | Focused more on Asia/Middle East than global |
| 24/7 customer support | Less adoption among Western merchants |
6. B2BinPay
B2BinPay was established in 2014 in Estonia and offers a very low fee on processing payments. It is one of the most flexible and crypto-friendly service-oriented businesses, as it runs on 350+ cryptocurrencies. It has enterprise wallets, and crypto to fiat conversion in its processing services.
B2BinPay offers its services worldwide, especially to businesses located in Europe, Asia, the Middle East. The company has multilingual customer support, reachable through email or phone. B2BPay is the best fit for enterprises in need of scalable, secured solutions and is a UNIPay alternative.
B2BinPay Features
- Established in 2014 in Estonia.
- Accepts over 350 digital assets.
- Has crypto enterprise level wallets.
- Offers conversion of crypto to fiat.
- Offers support to customers in several languages.
B2BinPay Pros & Cons
| Pros | Cons |
|---|---|
| Enterprise-grade wallets | Complex setup for small businesses |
| Supports 350+ cryptocurrencies | Fees vary depending on volume |
| Crypto-to-fiat settlement | Stronger focus on B2B than retail |
| Multilingual customer support | Requires technical integration expertise |
7. OpenNode
OpenNode was founded in 2017/2018 in Los Angeles, and it is focused on Bitcoin and Lightning Network payments. It has a 1% fee with through an instant fiat settlement. It is available in 120+ countries. and is widely used in North America and Europe.
They provide customer support through email and community forums. OpenNode is a UNIPay alternative best for merchants with a need for high-volume BTC transactions.
OpenNode Features
- Established in the USA in 2017 and 2018
- Accepts Bitcoin and Lightning payments.
- Has a transaction charge of 1%.
- Quickconversion to fiat
- Widespread use in Western countries
OpenNode Pros & Cons
| Pros | Cons |
|---|---|
| Specializes in Bitcoin & Lightning | Limited to BTC, no altcoin support |
| Instant fiat settlement | 1% transaction fee |
| Strong adoption in North America & Europe | Not ideal for merchants needing multi-coin support |
| Easy API integration | Customer support mainly via email/forums |
8. Alchemipay (Alchemy Pay)
Founded in 2017 in Singapore, Alchemipay also connects crypto and fiat payments. Its fees are around 1% and it holds around 50 cryptocurrencies and 300 fiat currencies.
It operates in 173 countries and has a large presence in the Asia-Pacific region. Alchemipay is an alternative to UNIPay and is best for businesses that need flexible fiat-crypto solutions.
Alchemipay (Alchemy Pay) Features
- Established in 2017 (Singapore)
- Combines 50+ cryptocurrencies and over 300 fiat currencies
- Hybrid fiat and crypto payment gateway
- Integration of decentralized finance features, and services
- Active in 173 countries
Alchemipay (Alchemy Pay) Pros & Cons
| Pros | Cons |
|---|---|
| Supports 50+ cryptocurrencies & 300+ fiat currencies | Still expanding outside Asia-Pacific |
| Hybrid fiat-crypto gateway | Fees around 1% |
| DeFi integrations | Less recognized in Western markets |
| Operates in 173 countries | Customer support mostly regional |
9. TripleA
Founded in 2018 in Singapore, TripleA is a registered crypto gateway and has low fees (around 1% ) with is also an offering of Bitcoin, Ethereum, and stablecoins.
It is performing well within Asia, Europe, and the Middle East. For customer support, there is email support and account managers.
With regards to this, TripleA is an excellent alternative to UNIPay for regulated businesses who need to stay compliant and need instant conversions.
TripleA Features
- Established in 2018 (Singapore)
- Fully licensed and regulated
- Supports Bitcoin, Ethereum, and most stablecoins
- Very low fees (around 1%)
- Focus on instant conversion, and compliance
TripleA Pros & Cons
| Pros | Cons |
|---|---|
| Licensed & regulated in Singapore | Limited coin support (BTC, ETH, stablecoins) |
| Low fees (~1%) | Smaller global merchant base |
| Instant conversion & compliance focus | Customer support mainly via email |
| Strong presence in Asia, Europe, Middle East | Less flexible than open-source gateways |
10. BTCPay Server
BTCPay Server has been an open-source project since** 2017**, and has *no cost* and zero fees to use. For merchants who want to host their own servers, they can accept Bitcoin and other crypto payments.
Being fully private and globally operational, it is completely censorship resistant. Community support comes through GitHub and forum threads.
Regarding privacy, BTCPay Server is the best alternative to UNIPay for merchants and NGOs who are focused on privacy.
BTCPay Server Features
- Established in 2017 (open-source)
- 0 fees, self-hosted
- Supports Bitcoin and other altcoins
- Fully private and censorship resistant
- Supported by community contributors
BTCPay Server Pros & Cons
| Pros | Cons |
|---|---|
| Open-source, 0% fees | Requires self-hosting & technical knowledge |
| Full privacy & censorship resistance | No fiat settlement |
| Supports Bitcoin & altcoins | Community-driven support only |
| Global accessibility | Not beginner-friendly |
Benefits Of Best UNIPay Crypto Gateway Alternatives In 2026
Global Crypto Payment Acceptance
The best UNIPay competitors help businesses remove barriers by accepting international payments from all customers in crypto form, including Bitcoin, Ethereum, USDT, USDC, and more.
Lower Transaction Fees
The most of the competitors possess a small fee of 0.5%–1%, which is less than a usual payment processor. This is a win for merchants as they gain more profits from the transactions.
Fiat Conversion & Volatility Protection
Top payment gateways enable businesses to convert crypto to fiat at any time, and they can remain in USD, EUR, and other global currencies while protecting from volatility.
Faster Payment Settlements
Payment Can Crypto gateways offer almost instant confirmation of payments, especially using Lightning Network and Layer-2, which enhances available cash and mitigates operational slowdown.
Wide Cryptocurrency & Stablecoin Support
Competitors of UNIPay offer their customers thousands of digital currencies and crypto to enhance their selection of payment methods and expand the finalization of purchases.
Easy Integration & Scalability
Most competitors come with streamlined APIs, plugins, and SDKs for the most common ecommerce solutions, making adaption and growth for the expanding businesses frictionless.
Strong Security & Transparency
For merchants and customers to build trust, funds and security features like non-custodial wallets, encryption, and fraud prevention tools are needed.
Regulatory Compliance & Global Reach
Most of the major gateways provide legal services in numerous regions and adheres to KYC/AML standards so businesses are compliant when they’re scaling international.
Conclusion
In conclusion, the top UNIPay Crypto Gateway substitutes for 2026 give companies a more adaptable, safe, and internationally compatible method of taking cryptocurrency payments. From tiny online retailers to major corporations, a variety of business demands are met by top solutions like CoinGate, BitPay, NOWPayments, CoinPayments, B2BinPay, OpenNode, Alchemy Pay, TripleA, and BTCPay Server.
These platforms are distinguished by their excellent API connections, wide nation coverage, reasonable transaction costs, and support for stablecoins and cryptocurrencies.
These UNIPay substitutes allow merchants to expand internationally while lowering payment friction thanks to enhanced security standards, quicker settlement choices, and greater customer service across countries. In the end, business size, target markets, and settlement preferences will determine which gateway is best in 2026.
FAQ
What are UNIPay crypto gateway alternatives?
UNIPay alternatives are crypto payment processors that allow businesses to accept digital asset payments (like Bitcoin, Ethereum, and stablecoins) at checkout, convert them to fiat if needed, and manage settlements. In 2026, top alternatives include CoinGate, BitPay, NOWPayments, CoinPayments, PayBito, B2BinPay, OpenNode, Alchemy Pay, TripleA, and BTCPay Server.
Why consider alternatives to UNIPay in 2026?
Alternatives may offer broader currency support, lower fees, better global compliance, stronger integration options, optimized settlement features, and improved customer support, helping businesses scale internationally and reduce operational risk.
Which gateway has the lowest fees?
Fees vary by provider and volume. Self-hosted solutions like BTCPay Server can eliminate processing fees (only network fees apply), while gateways like NOWPayments and CoinPayments often offer competitive rates (~0.5%–1%) depending on coin and settlement choices.
Which platforms support the most cryptocurrencies?
Providers such as NOWPayments, CoinPayments, and B2BinPay support extensive crypto lists — often hundreds of coins. This flexibility benefits merchants targeting diverse crypto audiences.
What about fiat settlement options?
Gateways like BitPay, CoinGate, Alchemy Pay, and TripleA offer auto-conversion and settlement to fiat currencies (USD, EUR, local currencies), reducing exposure to price volatility and easing business accounting.
