CompareCoinPayments
A CoinPayments Alternative Where You Hold the Keys
Paymento is non-custodial payment infrastructure. Payments land in a wallet you control instead of an account balance, so there is nothing to withdraw and nobody else to ask.
- Order 1041Credited to balance
- Order 1042Credited to balance
- Order 1043Credited to balance
Withdraw to your wallet
Minimum: generally 2x the coin's network fee
- Order 1041In your wallet
- Order 1042In your wallet
- Order 1043In your wallet
Nothing to withdraw. Our fee is billed to your balance, not taken from the payment.
CoinPayments vs Paymento, Row by Row
The deciding row is the first one. Most of the others follow from it. A check marks the stronger side.
Last verified 12 October 2026
| Feature | PaymentoEither wallet option | CoinPaymentsCurrent platform |
|---|---|---|
| Custody | ||
| Where payments landThe first place the customer's funds reach. | Your own wallet, stronger hereOn both store types.6 | Your platform balanceIts site lists custodial storage, balance accumulation and auto-sweeping.2 |
| Who controls the fundsWhose keys stand behind the money. | You, stronger hereNo pooled wallets; nothing moves without your authorized session.5 | Custodial wallet providersNamed on its site as PaidInSatoshi Inc. and Centauri Pay LLC.1 |
| Getting your money outThe step between a sale and money you can use. | No withdrawal step, stronger hereEmbedded wallet stores consolidate when you choose. | Withdraw from the balanceMinimum generally 2x the coin's network fee. Batched withdrawals offered.2 |
| A non-custodial optionIf you want to stop holding funds on a platform. | The only model we runThere is no custodial mode to opt out of. | DepiPay, a separate productRun by the same company.4 |
| Fees and coverage | ||
| Payment feePublished standard rate. | 0.5%, stronger herePlus $0.20 on embedded wallet stores. Custom rates at volume.6 | 1%High-volume discounts through sales.3 |
| CoinsWhat customers can pay with. | 7 networks plus USDT and USDCBTC, ETH, TRX, SOL, LTC, DOGE, BCH.7 | 40+ cryptocurrencies, stronger hereListed on its homepage.1 |
| Fiat and conversionTurning crypto into money in a bank. | Not offeredYou receive the coin your customer paid. | On-ramp, off-ramp, auto-conversion, stronger hereInside the same account.2 |
| Accounts and integration | ||
| Opening an accountWhat you hand over to start. | No KYC to open an accountYour own regulatory and tax obligations are unchanged. | Sign-up and KYC verificationRequired for all users of the current platform.2 |
| IntegrationsHow it plugs into your store. | WooCommerce, WHMCS, OpenCartPlus REST API, hosted checkout and recurring payment links.8 | Plugins for 15+ platforms, stronger herePlus API, invoices and payment buttons.2 |
CoinPayments details from its own website and FAQ, read 12 October 2026. Network fees are paid to the blockchain and are not included in either fee.
A Balance and a Wallet Behave Differently
Custody sounds abstract until something routine happens. Follow both lanes through four ordinary moments.
-
A customer pays
CoinPaymentsThe payment is credited to your platform balance.
PaymentoThe payment lands at an address in your wallet.
-
You want to use it
CoinPaymentsYou request a withdrawal, above a minimum that depends on the coin.
PaymentoIt is already yours. Spend, hold or convert it with the tools you use.
-
You leave the service
CoinPaymentsYou withdraw your remaining balance before you go.
PaymentoNothing to withdraw. An embedded wallet exports with its keys.
-
You need dollars in a bank
CoinPaymentsThe fiat off-ramp is inside the platform.
PaymentoNot offered. You convert through an exchange you choose.
A wallet you hold the keys to doesn't depend on any company staying open or reachable. Keeping that wallet secure is then your job.
Your Store Hears About Every Payment, Signed
Create the payment from your backend with the REST API and send the customer to Paymento's hosted checkout. When the payment confirms, your callback URL gets the order status with an HMAC-SHA256 signature, and the verify endpoint lets you double-check it before anything ships. Plugins and payment links run on the same flow.
Read the API overview- Payment request createdYour backend, REST API
- Paid on hosted checkoutCustomer picks a coin
- Signed callback receivedHMAC-SHA256 signature header
- Verified, order releasedVerify endpoint
Same flow from
- WooCommerce
- WHMCS
- OpenCart
- Payment links
Who Each One Suits
CoinPayments packs fiat, conversion and a long plugin list into one account. Paymento does less, and keeps every payment in your own wallet.
Stay with CoinPayments if
- You want fiat on-ramp, off-ramp and auto-conversion inside one account.
- Your store runs on a platform outside WooCommerce, WHMCS and OpenCart that CoinPayments has a plugin for.
- A long track record matters most. CoinPayments reports over 250,000 merchants.
- You want to go non-custodial without changing provider: CoinPayments offers DepiPay for that.
Choose Paymento if
- Every payment should land in a wallet you control, not a platform balance.
- You'd rather not have withdrawals as a step in getting paid.
- Customers should pay without an account, and by QR code on Ethereum and Solana embedded stores.
- You want a 0.5% fee with no monthly charge.
Switching From CoinPayments in Three Steps
If you like CoinPayments but want to stop holding funds on a platform, compare its separate non-custodial product, DepiPay, too. We would rather you choose with the full picture.
-
Withdraw your balance
Move what you hold on the platform to a wallet you control, coin by coin, above each withdrawal minimum.
Before you startEach coin's minimum
-
Connect Paymento
Add the WooCommerce, WHMCS or OpenCart plugin, or create payments through the API. Connect a wallet by xPub or public address.
Store typeYour wallet or embedded
-
Move your callbacks
Point order updates at Paymento's signed callback, confirm each order with the verify endpoint, then retire the old IPN handler.
Order updatesSigned, then verified
CoinPayments Alternative: Your Questions
Custody and balances
The CoinPayments platform is. Its website states that custodial wallet services are provided by PaidInSatoshi Inc. and Centauri Pay LLC, and its FAQ lists custodial storage among its merchant services. DepiPay, a separate CoinPayments product, is described as non-custodial.
Withdraw it to a wallet you control. CoinPayments says withdrawal minimums vary by coin and are generally twice that coin's network fee, so very small balances in some coins may not be withdrawable on their own.
Only you. On a bring-your-own-wallet store Paymento never has your keys at all. On an embedded wallet store, every movement needs your passkey, and settlement can only go to the address you registered.
Fees and checkout
On the standard published rates, yes. CoinPayments lists 1% per payment and Paymento charges 0.5%, plus $0.20 per payment on an embedded wallet store. Both offer lower custom rates at higher volume.
They see a hosted checkout with your price in USD or EUR converted to the coin they choose. They never create an account. On an embedded wallet store, Ethereum and Solana payments work by address and QR code, while Tron asks them to connect a wallet.
Integration
Yes. Your backend can create each payment through the REST API and send the customer to Paymento's hosted checkout, or you can use payment links with no integration at all.
Yes, with payment links. They support daily, weekly, monthly and yearly billing with reminder emails and a grace period. Recurring billing is not available through the API or the plugins.
All of our comparisons, sourced the same way, are on the compare page. For a full breakdown of what you pay, see fees and pricing.
Get Paid Into a Wallet You Control
No balance to withdraw, no custodian in the middle, and a 0.5% fee billed separately.
Sources & Methodology
Show all 9 referencesHide references
CoinPayments
Pricing
Settlement & custody
- Homepage and footer: custodial wallet service providerscoinpayments.net
- DepiPay, the separate non-custodial productdepipay.com
Documentation
Paymento
Pricing
Settlement & custody
Integrations
Documentation
Competitor details come only from each company's own pricing, help-centre, documentation and legal pages, read on the date above. Numbers in the comparison link to these references. If something is out of date, tell us and we will correct it.
