B2BinPay vs Crypto.com Pay: Enterprise control or zero fees
B2BinPay is an enterprise crypto payment gateway and wallet infrastructure provider for merchants, brokers, and financial institutions. It supports over 350 digital assets across 17 blockchains, with incoming processing fees starting at 0.40% and falling to 0.25% at higher volumes. Crypto.com Pay targets online and physical retail merchants, including enterprise partners. Its merchant processing fee is 0%, and it settles in more than 20 fiat and crypto currencies.
The main trade-off is control versus cost. B2BinPay provides crypto-to-crypto settlement and USD and EUR conversion through SEPA or SWIFT. It also performs transaction compliance checks and offers a multisignature non-custodial layer. Crypto.com Pay has Shopify and WooCommerce plugins, mobile point of sale, invoicing, and recurring billing. Recurring payments require the Crypto.com App. Both use a custodial gateway model, while B2BinPay also offers its separate non-custodial payment layer.
Quick verdict
The deciding difference is the operating model. Crypto.com Pay removes the merchant processing charge and connects online checkout with Shopify and WooCommerce. It also supports mobile point of sale, invoicing, and recurring billing. B2BinPay charges from 0.40% on incoming volume, but gives enterprise accounts more asset and settlement coverage, with over 350 assets across 17 blockchains, USD and EUR conversion, and SEPA or SWIFT payouts. B2BinPay also has a $1,000 onboarding fee and mandatory business verification. Both gateways expose merchants to custodial counterparty risk. B2BinPay adds a non-custodial payment layer for multisignature EVM and Tron transactions, with on-chain audit logs.
Choose B2BinPay if the business needs over 350 assets, 17 blockchain networks, crypto or stablecoin settlement, automated fiat payouts through SEPA or SWIFT, or a non-custodial multisignature layer. Its registrations include Digital Asset Service Provider status in El Salvador and Virtual Asset Service Provider status in Mauritius. The $1,000 onboarding fee and KYB process fit corporate accounts rather than lightweight merchant setups.
Choose Crypto.com Pay if 0% merchant processing, Shopify or WooCommerce plugins, direct settlement in more than 20 currencies, or hardware-free in-store payments are the priority. Its recurring billing feature is limited to customers paying through the Crypto.com App, and external-wallet payments require customer-paid network gas.
| Feature | ||
|---|---|---|
| Ratings | ||
| Our score | 4.2/5 | 4.1/5 |
| User rating | No reviews yet | No reviews yet |
| Fees | 4.0 | 4.5 |
| Integrations | 4.5 | 4.0 |
| Settlement options | 4.5 | 4.5 |
| Reliability | 4.0 | 4.0 |
| Support | 4.0 | 3.5 |
| Specs | ||
| Processing fee | 0.4% | 0% |
| Settlement | Crypto, Stablecoins, Fiat, Auto-conversion | Crypto, Fiat, Auto-conversion |
| Coins supported | 350 | Not disclosed |
| Integrations | B2CORE, BridgerPay, FX Backoffice, Praxis Cashier | Shopify, WooCommerce |
| Invoicing | Yes | Yes |
| Recurring payments | Not disclosed | Yes |
| Mass payouts | Yes | Not disclosed |
| Point of sale | Not disclosed | Yes |
| Self-hosted option | No | No |
| Business verification (KYB) | Yes | Not disclosed |
| Settle in stablecoins | Yes | Yes |
| API & SDKs | Yes | Yes |
| Company | ||
| Founded | — | 2016 |
| Headquarters | El Salvador | Singapore |
| Investors | Not disclosed | Citadel Securities, Public token sale |
| Strengths and weaknesses | ||
| Pros |
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| Cons |
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| Best for | Forex and CFD brokerage platforms, High-volume e-commerce merchants, iGaming and digital entertainment platforms | Shopify and WooCommerce merchants, Retailers wanting direct fiat settlement, Businesses billing clients via invoice |
Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.
FAQ
Is B2BinPay cheaper than Crypto.com Pay?
Crypto.com Pay has a 0% merchant processing fee, while B2BinPay starts at 0.40% for incoming merchant volume and can fall to 0.25% at higher volumes. B2BinPay does not charge a processing fee on outgoing merchant payouts, but it also has a $1,000 onboarding fee.
Which gateway supports more cryptocurrencies?
B2BinPay supports over 350 digital assets across 17 blockchains, while Crypto.com Pay lists Cronos and Ethereum as supported chains. B2BinPay also supports networks such as Bitcoin, Solana, Tron, Cardano, and TON.
Which one offers recurring payments?
Crypto.com Pay offers recurring crypto billing, but customers must transact through the Crypto.com App. B2BinPay lists invoicing and mass payouts without the same recurring-billing feature.
How do B2BinPay and Crypto.com Pay handle fiat settlement?
Both support fiat settlement and automatic conversion. B2BinPay converts into USD or EUR with SEPA or SWIFT payouts, while Crypto.com Pay offers more than 20 settlement options including USD, EUR, GBP, AUD, BTC, and ETH.
Are B2BinPay and Crypto.com Pay custodial?
Both use custodial gateway models for merchant payments. B2BinPay also offers a multisignature non-custodial EVM and Tron payment layer, while Crypto.com Pay supports payments from the Crypto.com App and external Web3 wallets.