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Mintage Pay vs BitPay.

BitPay is one of the oldest crypto payment processors. Mintage Pay is a stablecoin checkout that pays your own wallet as each order is paid. Here is how they compare for an online store.

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Side by side.

What a store owner usually wants to know, from BitPay's own pages and ours.

BitPayMintage Pay

Fee per payment2% + 25¢ below $500,000 a month, 1.5% + 25¢ up to $1M, 1% + 25¢ above. Higher for high-risk industries1% per completed payment. No setup fee and no monthly fee

Who holds the moneyPaid to BitPay, then settled to you dailyNobody: every payment goes straight to your own wallet

Where your business can beNew merchants from the US and Canada. The EEA, UK and Australia are paused for new merchantsStores in the US and most other countries, by application

What customers pay withBitcoin, Ethereum and other coins; stablecoins listed include USDC, DAI and EURC (USDT is not on its pricing page)USDC on Base, Polygon and Solana. USDT on Polygon, Solana and TRON

Getting cash to your bankDaily settlement to your bank in AUD, CAD, EUR, GBP, MXN, NZD or USDThrough your own Stripe, Coinbase Business or exchange account

Checked on 18 October 2026 on each company's own pages: BitPay pricing, BitPay supported countries. Prices and policies change, so check them before you decide. Mintage Pay is not affiliated with any of these companies.

Which one fits.

BitPay may suit you better if

You want to accept Bitcoin and other coins, not only stablecoins.
You want BitPay to settle to your bank every day in your local currency.
You are a US or Canadian business and like having one company handle payment and settlement.

Mintage Pay may suit you better if

Your business is outside the US and Canada: BitPay has paused new merchants in the EEA, the UK and Australia.
You want each payment in your own wallet within about a minute, not held until settlement.
You want one flat 1% with no per-payment charge. On a $20 order, BitPay's first tier is 2% + 25¢ = $0.65; Mintage Pay is $0.20.
Your customers pay in USDT, including on TRON.

See all five side by side on the crypto payment gateways comparison, or read how Coinbase Business differs from Coinbase Commerce.

Questions about BitPay and Mintage Pay.

Is Mintage Pay cheaper than BitPay?

For most stores, yes. BitPay charges 2% + 25¢ per payment below $500,000 a month, 1.5% + 25¢ up to $1M and 1% + 25¢ above, with higher rates for high-risk industries. Mintage Pay charges 1% per completed payment with no setup or monthly fee.

Who holds the money?

With BitPay, the customer pays BitPay and BitPay settles to you daily. With Mintage Pay, every payment goes straight to your own wallet address for that network; Mintage Pay never holds it.

Can a business in Europe or the UK use BitPay?

BitPay's help centre lists the EEA, the UK and Australia as paused for new merchant onboarding as of 18 October 2026. Mintage Pay accepts stores in the US and most other countries, by application.

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