CompareCryptomus
A Cryptomus Alternative Built Only for Getting Paid
Cryptomus is a multipurpose crypto platform. Paymento is non-custodial payment infrastructure that does one job: route each customer payment into a wallet you control.
- Payment gateway
- Exchange
- Conversion
- Staking
- Mass payouts
- Personal wallets
- Your Business Wallet balanceYour revenue sits here
- Checkout and links
- API and callbacks
- Orders and refunds
Your walletOutside Paymento, under your keys
Why a Narrow Tool Can Be the Safer Choice
An all-in-one account is convenient: take payments, convert, trade and pay out without leaving it. The trade-off is that your revenue lives on the same platform as everything else it does.
Paymento deliberately does less, and the money goes to a wallet it has no keys to. So before you compare, map what you actually use.
If you use this on CryptomusWith Paymento
- Payment gatewayThe core job: checkout, links, API, pluginsCovered
- Underpayment tolerance0% to 5%, the same range on bothSame
- Recurring paymentsRecurring payment links; not via API or pluginsLinks only
- Auto-conversionNot offered; accept USDT or USDC directlyNot offered
- Mass payoutsPay out from your own wallet, with your toolsYour wallet
- Exchange and stakingOutside what Paymento doesNot offered
Cryptomus vs Paymento: The Details
From Cryptomus' fee page, FAQ and product pages, and Paymento's own documentation. A check marks the stronger side.
Last verified 12 October 2026
| Feature | PaymentoEither wallet option | CryptomusMerchant account |
|---|---|---|
| What you are using | ||
| What it isThe shape of the product. | Payment infrastructureNon-custodial checkout, links, API and plugins. | A multipurpose platformPayments, conversion, an exchange, wallets and staking.2 |
| Where payments landThe first place the funds reach. | Your own wallet, stronger hereNo platform balance in between.6 | Your Business Wallet balanceWithdraw manually, by API or on a schedule.1 |
| Account verificationWhat you hand over to start. | No KYC to open an accountYour own regulatory and tax obligations are unchanged. | KYC for all usersPer its FAQ.3 |
| Fees | ||
| Payment feePublished standard rate. | 0.5% from day one, stronger herePlus $0.20 on embedded wallet stores. Custom rates at volume.6 | 2% for new usersNegotiable down to 0.4%.1 |
| Underpayment toleranceAccepting a slightly short payment. | 0% to 5%Same range on both. | 0% to 5%Configurable.1 |
| Tools around the payment | ||
| Recurring billingCharging customers on a schedule. | Through payment linksNot through the API or plugins. | Recurring payments, stronger hereOffered on the platform.4 |
| ConversionChanging the coin you receive. | Not offeredTake USDT or USDC directly instead. | Free auto-convert, stronger hereFor example, incoming BTC to USDT.1 |
| PayoutsPaying many recipients at once. | From your own walletUse whichever wallet tools you prefer. | Mass payouts, stronger hereBuilt into the account.1 |
Network fees are paid to the blockchain and are excluded on both sides.
2% to Start, or 0.5% From Day One
Cryptomus charges new users 2% per transaction. Paymento charges 0.5% from your first payment, with nothing to negotiate. Cryptomus says its rate can be negotiated lower depending on your business and volume, and Paymento also offers custom rates at higher volume, so compare quotes if you process a lot.
See Paymento's full pricingPayment fee, on $20,000 a month
- 0.5%Paymento, standard$100
- 2%Cryptomus, new users$400
Cryptomus rates from its fee page. Paymento at 0.5% to your own wallet; an embedded wallet store adds $0.20 a payment. Network fees excluded.
Four Jobs, None of Them Holding Your Money
Paymento creates the payment, watches the chain, tells your store the order is paid with a signed HMAC-SHA256 callback, and records refunds you send from your wallet. Your backend can check any payment against the verify endpoint. There are no pooled Paymento wallets in the middle, so the services we don't offer never sit between you and your funds.
Read the API overview- CreatePayment request or link
- WatchThe chain, until it confirms
- NotifySigned callback, then verify
- RecordRefunds from your wallet
Your walletThe money stays here
Pick by How Much You Want in One Place
Choose Cryptomus if
- You want payments, conversion, trading and payouts in a single account.
- You need incoming coins auto-converted, such as BTC into USDT.
- You process enough volume to negotiate its fee toward 0.4%.
Choose Paymento if
- You want revenue in your own wallet, not in a platform balance.
- You want 0.5% from day one rather than 2% while you negotiate.
- You want stablecoin checkout by QR code on Ethereum and Solana embedded stores.
- You want to be able to leave with your keys at any time.
From Cryptomus to Paymento
If auto-conversion or mass payouts are central to how you work, plan how you'll handle them from your own wallet before you move.
-
List what you actually use
Go through the feature map above. Anything marked "Not offered" needs its own plan before you switch.
Check firstConversion, payouts
-
Connect your checkout
Install a plugin or create payments through the API. Each order reports back through a signed callback you confirm with the verify endpoint.
Order updatesSigned callbacks
-
Move recurring customers
Recreate subscriptions as recurring payment links, with reminder emails and a grace period, then withdraw your remaining platform balance.
SubscriptionsRecurring links
Questions About Switching From Cryptomus
Fees
Cryptomus' fee page says it charges new users 2% per transaction, and that the rate can be negotiated down to 0.4% depending on business type, turnover and integration.
At the starting rate, no: 2% against Paymento's 0.5%. A merchant who negotiates Cryptomus down to 0.4% would pay less per payment than Paymento's standard rate, and Paymento also offers custom rates at higher volume.
Your money and your keys
It doesn't. Payments go to your own wallet, or to an embedded wallet store that only your passkey can authorize. There are no pooled Paymento wallets holding merchant funds, which makes securing your own wallet your part of the deal.
Yes. An embedded wallet store can be exported with its keys. A bring-your-own-wallet store never had anything to export: the funds were in your wallet from the start.
Features
Yes, through recurring payment links that bill daily, weekly, monthly or yearly. They are a good fit for memberships and community access. The API and plugins don't support recurring billing yet.
Bitcoin, Ethereum, Tron, Solana, Litecoin, Dogecoin and Bitcoin Cash, with USDT on Ethereum and Tron and USDC on Solana. It is a shorter list than an all-in-one platform's, focused on what customers pay with. See supported assets.
Yes. See the compare page for every gateway we have compared, sourced the same way.
One Job, Done Without Holding Your Money
Accept crypto into your own wallet with a 0.5% fee, signed callbacks and no platform balance.
Sources & Methodology
Show all 8 referencesHide references
Cryptomus
Pricing
Integrations
Documentation
Legal & policies
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.
