B2BinPay vs xMoney

B2BinPay4.2/5

VS

xMoney3.8/5

Feature	B2BinPayVisit	xMoneyVisit
Ratings
Our score	4.2/5	3.8/5
User rating	No reviews yet	No reviews yet
Fees	4.0	3.0
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	Not disclosed
Integrations	B2CORE, BridgerPay, FX Backoffice, Praxis Cashier	Not disclosed
Invoicing	Yes	Yes
Recurring payments	Not disclosed	Yes
Mass payouts	Yes	Yes
Self-hosted option	No	No
Business verification (KYB)	Yes	Yes
Settle in stablecoins	Yes	Yes
API & SDKs	Yes	Yes
Company
Founded	—	2023
Headquarters	El Salvador	Romania
Investors	Not disclosed	Sui Foundation, MultiversX
Strengths and weaknesses
Pros	Processes transactions at low incoming merchant fees from 0.40% down to 0.25% No processing fee charged on outgoing merchant payouts Supports over 350 cryptocurrencies across 17 separate blockchains Licensed Virtual Asset Service Provider in El Salvador and Mauritius	Licensed as an Electronic Money Institution by the National Bank of Romania Unified dashboard for both card processing and digital currency checkouts PCI DSS Level 1 certified with 3D Secure 2.0 fraud controls Zero setup fees with automatic settlement conversion into fiat or stablecoins
Cons	Enterprise setup requires a $1,000 onboarding fee Custodial accounts carry counterparty risk until funds settle to merchant bank accounts Requires mandatory business verification with limits on active KYB submissions No self-hosted deployment option for completely on-premise infrastructure	Merchant onboarding requires mandatory KYB and AML business verification Not a self-hosted solution, creating custodial counterparty risk before settlement Additional fees apply to off-cycle payouts below minimum account thresholds XMN fee discount model introduces exposure to token market volatility
Best for	Forex and CFD brokerage platforms, High-volume e-commerce merchants, iGaming and digital entertainment platforms	European e-commerce merchants, Marketplaces requiring split vendor payouts, Businesses invoicing global clients in crypto

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.

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