CoinsPaid vs Cryptomus: Crypto Payment Gateways Compared for 2026

Crypto payments are headed into normalcy. As of the end of 2025, over 730 million people own cryptocurrency, and the European crypto market alone is projected to have over 250 million of them. For many businesses, reaching this audience in a compliant, predictable way now sits on the 2026 roadmap rather than a “maybe later” list.

CoinsPaid and Cryptomus both enable merchants to accept cryptocurrency online and in mobile apps. Each offers a crypto payment gateway, wallet features, and tools for online stores. This article reviews the differences in scope, risk profile, and day-to-day use for merchants.

Platform overview

CoinsPaid: regulated crypto payment ecosystem

CoinsPaid is an Estonia‑licensed crypto payment provider that runs a full ecosystem for businesses. Its gateway, CryptoProcessing by CoinsPaid, lets companies accept payments in more than 20 major cryptocurrencies, convert them into 40+ fiat currencies, and settle to bank accounts via SEPA or SWIFT.

The company was founded in 2014, currently serving more than 800 merchants, and processing upwards of 800 million euros in crypto each month. CoinsPaid positions itself as a crypto payment ecosystem for businesses, with a payment gateway, business wallet, OTC desk, mass payouts, and PoS products under one roof.

Cryptomus: exchange‑driven gateway

Cryptomus launched in 2022 and operates as a cryptocurrency payment gateway, wallet, and exchange for both individuals and businesses. The platform offers a crypto wallet, merchant accounts, P2P trading, and a payment gateway that plugs into websites, Telegram bots, and other channels.

Cryptomus markets low‑fee payments, fast crypto transfers, an AML checker, and a built‑in exchange, all inside one account. The payment gateway connects with custom integrations and is often promoted together with the broader exchange features.

CoinsPaid vs Cryptomus: high‑level comparison (2026)

CoinsPaid positions itself as a regulated, enterprise‑grade gateway inside a broader business toolkit. Cryptomus blends merchant tools with a consumer‑oriented exchange and wallet. Each platform handles onboarding, risk, and support differently.

Getting started and integration

CoinsPaid starts with a consultation and live demo, then guides merchants through KYB checks, integration, and launch. Businesses can integrate through ready‑made plugins for platforms such as WooCommerce, OpenCart, and others, or connect directly through a REST API with webhooks and a sandbox test environment. The same back office supports payment gateways, business wallets, mass payouts, and OTC services, allowing teams to work with a single interface and vendor.

Cryptomus allows account creation with email, phone, or wallet, followed by KYC. A merchant account can then create payment links, invoices, and API keys. Integrations include an API, e-commerce plugins such as WooCommerce and Tilda, and flows for Telegram. Cryptomus’s main selling point is the ability to ‘build your own exchange/gateway, essentially serving as a white label solution.’

CoinsPaid leans toward structured onboarding, KYB support, and guided setup for finance and compliance teams. Cryptomus offers a more self‑service style with a different level of technical expertise expected at the start.

Supported assets and payment flows

CryptoProcessing by CoinsPaid focuses on the top 20+ widely used assets, such as Bitcoin, Ethereum, stablecoins, and leading altcoins. Merchants can accept crypto at checkout, in apps, or at PoS terminals, then settle in either crypto or 40+ fiat currencies automatically or from the unified merchant dashboard.

Cryptomus supports a broad range of cryptocurrencies, including more niche assets and tokens across larger networks. Cryptomus offers easy exchange into stablecoins but doesn’t have direct access to bank withdrawals and does not offer PoS terminal support for physical businesses.

For mid‑size and larger merchants, the practical question is which currencies they actually receive in their wallets, and whether they require traditional banking.

CoinsPaid focuses on deep fiat coverage, automatic exchange, and rate‑locked invoices – keeping reconciliation close to traditional acquiring flows. Cryptomus is designed for users to keep funds in crypto and move them through its exchange and P2P tools.

Custody, settlement, and asset control

CoinsPaid operates a business‑grade custody setup that combines hot wallets for processing with Ledger Enterprise cold storage. Merchants can keep balances in crypto or stablecoins, or set rules that auto‑convert receipts into fiat currencies with settlement to a bank account. Role‑based access, IP controls, multi‑user approvals, and detailed audit trails are available for finance teams.

Cryptomus offers a custodial wallet that holds crypto on behalf of merchants, with options for static wallets, auto‑conversion rules, and mass payouts to many addresses. Merchants can also transfer assets into the exchange to trade or withdraw to external wallets. Primarily focused on the white-label solution, Cryptomus offers flexibility, albeit with less emphasis on robust reporting.

CoinsPaid favours fiat settlement and finance‑friendly controls, while still allowing for crypto balances where needed. Cryptomus serves more as an extension of an exchange account, offering a broader basket of tokens and coins with fewer connections to traditional finance.

Compliance and security

CoinsPaid runs under an Estonian license for virtual asset services, renewed under the country’s stricter regime and aligned with upcoming MiCA rules. CoinsPaid’s payment gateway, CryptoProcessing, holds ISO/IEC 27001 certification and undergoes regular third‑party cybersecurity reviews. The platform applies full KYB, KYC, and AML controls. Real‑time risk scoring from tools like Chainalysis and Crystal screens transactions to help detect contact with flagged wallets.

Cryptomus has integrated KYC and AML checks into its flows and enforces mandatory KYC for users who want to access wallets, P2P exchange, and rewards. It also provides a public AML checker for external addresses and highlights ongoing security monitoring and scoring through Certik’s Skynet platform. Notably, in October 2025, Cryptomus was fined $ 177 million CAD for AML-related failures.

CoinsPaid leans toward a regulated, audit‑heavy model that mirrors traditional financial infrastructure. Cryptomus focuses on fast access with compliance tools layered into a broader exchange product. For merchants that face strict internal or external rules, this difference can be decisive.

Fees and pricing structure

Crypto payments with CoinsPaid usually cost about 0.8%-1.5% per transaction, with no setup or monthly fees and extra discounts for higher transaction volumes. CoinsPaid offers fiat off-ramps via SWIFT and SEPA, with custom rates based on region and banking partner.

Cryptomus lists incoming payment fees that start at 2% for new merchants, with the option to negotiate rates as low as 0.4% based on factors such as turnover, business type, and integration. Withdrawals to external wallets may incur separate fees, and fiat off-ramps aren’t available.

Both providers offer better rates than traditional payments. CoinsPaid focuses on transparent, low single‑digit fees tied to long‑term merchant relationships. Cryptomus offers a higher out-of-the-box rate, with the potential to achieve lower percentages for select merchants through direct negotiation.

Support, training, and maintenance

CoinsPaid underlines human support as a core part of its offer. Merchants receive a dedicated account manager, 24/7 technical support, and access to CoinsPaid Academy materials that cover crypto basics, compliance topics, and product use. API guides for developers and full accounting documentation are available for streamlined business operations.

Cryptomus provides support over Telegram, email, a ticket system, and a public FAQ. Larger merchants can get a personal manager, while many smaller users rely on chat and self‑service guides on its blog. The platform’s API documentation is detailed and developer-ready while traditional accounting data exports are more limited and require customization.

CoinsPaid tends to match the expectations of regulated industries that want contracts, clear escalation paths, and structured training. Cryptomus is designed for crypto‑native teams and has limited support for traditional tools that finance teams are used to.

Choosing between CoinsPaid and Cryptomus

CoinsPaid and Cryptomus both let merchants add a “pay with crypto” option and connect with a tech-savvy audience. The most practical difference lies in how each platform treats regulation, fiat settlement, and the line between payments and trading.

• CoinsPaid focuses on regulated B2B payments, crypto to fiat conversion, and long term merchant relationships backed by licensing and certification.
• Cryptomus focuses on trading, a broad list of supported coins, and a shared environment for merchants and retail users.

For teams planning their 2026 payment stack, the choice rests on internal priorities. Looking only at features promoted in 2025 and early 2026, several CoinsPaid offers stand out as superior to Cryptomus:

• Compliance

CoinsPaid combines licensed operations with ISO/IEC 27001 certification and publishes information about external cybersecurity audits. Cryptomus’ public pages focus on KYC and AML; however, the company was recently hit with a 177 million CAD fine in Canada for failing to comply with AML and sanction rules.

• Fiat access

CoinsPaid offers automatic exchange from cryptocurrency into more than 40 fiat currencies and direct settlements via SEPA and SWIFT. Cryptomus, while offering more niche assets for processing, has limited access to traditional finance.

• Business payment toolkit

CoinsPaid promotes a bundle of products for B2B use: payment gateway, business crypto account, PoS, mass payouts, and OTC. Cryptomus provides payment processing, exchange, and P2P services, as well as staking – ultimately, it’s more geared towards retail users than businesses.

• Onboarding process

With over 10 years of operation on the market, CoinsPaid offers a clear and regulated path to crypto acceptance for most businesses. Cryptomus is more focused on creating tools that can be assembled by teams already actively working with crypto payments.