B2BinPay vs Flexa: Enterprise fees vs self-custody payments
B2BinPay and Flexa both process digital asset payments, but they target different operating models. B2BinPay provides enterprise payment and wallet infrastructure for merchants, brokers, and financial institutions. It supports over 350 assets across 17 blockchains. Incoming processing fees start at 0.40%, and onboarding costs $1,000.
Flexa supports 99+ assets for online and in-app checkout, as well as point-of-sale payments. It lists 0% conversion and custody fees on payouts, supports self-custody wallets through mobile SDKs, and authorizes payments in 500 milliseconds or less. B2BinPay supports crypto and stablecoin payments, with fiat settlement that includes USD and EUR payouts through SEPA or SWIFT. Flexa lists merchant coverage in the United States, Canada, El Salvador, and 37 SEPA countries and territories. B2BinPay has registrations in El Salvador and Mauritius. Flexa lists an NMLS registration in the United States.
Quick verdict
The main difference is custody and payment scope. B2BinPay combines custodial wallet infrastructure, automated fund consolidation, KYT monitoring, and fiat settlement for corporate clients. Flexa connects online and physical checkout to self-custody wallets through mobile SDKs, QR codes, Payment Links, and Flexa Terminal. Its AMP collateral system adds a separate token and technical dependency.
Choose B2BinPay if an enterprise needs more than 350 assets, 17 blockchain networks, USD or EUR settlement through SEPA or SWIFT, and incoming fees starting at 0.40%. The trade-offs include the $1,000 onboarding fee, mandatory KYB, custodial counterparty exposure, and no self-hosted deployment.
Choose Flexa if checkout must support online and in-app payments, as well as point-of-sale transactions, or if self-custody wallet support is central. Its listed payout fees are 0% for conversion and custody. Published coverage includes the United States, Canada, El Salvador, and 37 SEPA countries and territories. Asset and network access still depends on the integration.
| 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 | 4.5 |
| Support | 4.0 | 3.0 |
| Specs | ||
| Processing fee | 0.4% | Not disclosed |
| Settlement | Crypto, Stablecoins, Fiat, Auto-conversion | Crypto, Stablecoins, Fiat, Auto-conversion |
| Coins supported | 350 | 99 |
| Integrations | B2CORE, BridgerPay, FX Backoffice, Praxis Cashier | Base Pay, iOS SDK, Android SDK, React Native SDK |
| Invoicing | Yes | Not disclosed |
| Mass payouts | Yes | Yes |
| Point of sale | Not disclosed | Yes |
| Self-hosted option | No | No |
| Business verification (KYB) | Yes | Yes |
| Settle in stablecoins | Yes | Yes |
| Merchant countries | Not disclosed | United States, Canada, El Salvador |
| API & SDKs | Yes | Yes |
| Company | ||
| Founded | — | 2018 |
| Headquarters | El Salvador | United States |
| Investors | Not disclosed | Pantera Capital, 1kx, Access Ventures, Nima Capital |
| 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 | Multichannel crypto acceptance, Self-custody wallet integrations, SEPA-region merchants |
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 Flexa?
The published fees cover different services: B2BinPay charges incoming processing fees from 0.40%, while Flexa lists 0% conversion and custody fees on payouts. B2BinPay also has a $1,000 onboarding fee.
Which one works in the United States?
Flexa lists the United States among its merchant countries. It also lists Canada, El Salvador, and 37 SEPA countries and territories.
Which supports self-custody wallets?
Flexa supports self-custody wallets through its iOS, Android, and React Native SDKs. B2BinPay provides custodial wallet infrastructure and has no self-hosted deployment option.
Which gateway supports more digital assets?
B2BinPay supports over 350 digital assets across 17 blockchains, while Flexa supports 99+ digital assets. B2BinPay lists networks including Bitcoin, Ethereum, Solana, Tron, and TON.
Which one supports point-of-sale payments?
Flexa supports point-of-sale payments through QR codes, Mini App Payments, and Flexa Terminal. B2BinPay focuses on merchant processing, wallet infrastructure, and business payout workflows.