● TOP PROCESSOR · 2026 100+ COINS FIAT SETTLEMENT
BitPay review
The OG enterprise crypto payment gateway since 2011
The verdict
7.6 / 10 · CONSIDER
Best choice for enterprise merchants and large B2B companies needing fiat settlement, compliance infrastructure, and a proven track record with major brands.
◆ BUY IT IF
- Longest-operating gateway — 15 years of uptime and trust
- Fiat settlement to bank account (USD, EUR, GBP)
- Used by Microsoft, Newegg, AMC — enterprise-proven
- Strong compliance (FinCEN MSB, state money transmitter licenses)
◇ SKIP IT IF
- Trustpilot rating extremely low (1.2/5) — mostly retail wallet complaints
- Higher baseline fee (2% + $0.25) compared to NOWPayments/Plisio
- Account lockdowns and fund-hold complaints prevalent in reviews
- BitPay Card program paused as of early 2026
§ 01 SCORE BREAKDOWN
Seven axes, weighted.
DIMENSION WEIGHT RATING SCORE
Transaction fees
2% + $0.25 (standard); volume discounts apply
Integration ease
5 integrations available
Settlement speed
Included in fee; next business day to bank (USD/EUR/GBP)
Coin support
100+ cryptocurrencies
Security & compliance
FinCEN-registered MSB (Money Services Business); holds state money transmitter licenses across the US; strong
Fiat conversion
Direct fiat bank settlement
Support
§ 02 SPECIFICATIONS
Everything, in one table.
Fees
- Transaction fee
- 2% + $0.25 (standard); volume discounts apply
- Monthly fee
- Free
- Fiat settlement
- Included in fee; next business day to bank (USD/EUR/GBP)
Coverage
- Supported coins
- 100+
- Top coins
- BTC, ETH, USDC, USDT, DAI, BUSD, DOGE, XRP
- Markets served
- Global — 200+ countries with fiat settlement available in select regions
- Restricted
- —
Integration
- Integrations
- Shopify, WooCommerce, Magento, WHMCS, API
- Integration ease
- 8.0 / 10
Trust
- Regulatory
- FinCEN-registered MSB (Money Services Business); holds state money transmitter licenses across the US; strong AML/KYC compliance
- Trustpilot
- 1.2/5
- Founded
- 2011
§ 03 FAQ
Frequently Asked Questions
Is BitPay safe for businesses? +
BitPay FinCEN-registered MSB (Money Services Business); holds state money transmitter licenses across the US; strong AML/KYC compliance.
How much does BitPay charge per transaction? +
2% + $0.25 (standard); volume discounts apply. Enterprise accounts can negotiate rates below 1% at $1M+/month volume
How many cryptocurrencies does BitPay support? +
BitPay supports 100+ cryptocurrencies, including BTC, ETH, USDC, USDT, DAI.
Is BitPay available in my country? +
BitPay is available in: Global — 200+ countries with fiat settlement available in select regions.
◆ OPEN ACCOUNT
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