The Confirmo alternative that's yours the moment it's paid
Confirmo holds your payments and settles them on a schedule, with a spread of up to 1% to convert. 402pay puts every payment in your own wallet as soon as the network confirms it.
- 0%
- of every crypto payment, against 0.5% with Confirmo
- Your wallet
- not Confirmo's account
- Cards + crypto
- in one checkout, into one wallet
Confirmo at a glance
Confirmo is a European stablecoin payment gateway, authorized in Ireland under MiCA, charging 0.5% a payment.
It settles on a schedule: payments collect in your Confirmo balance and pay out on the day you choose, once they pass a minimum, with a spread of up to 1% to convert. An underpayment you don't refund is charged a fee of the full amount, and onboarding asks for full business documents up front.
Why businesses switch from Confirmo
The reasons businesses give for leaving Confirmo come back to the same few things: who holds the money, what it costs as sales grow, and which customers can pay at all.
Paid on a schedule
Payments build up in your Confirmo balance and settle on the day you schedule, once they pass a minimum.
A spread to convert
Automatic conversion runs at the market rate with a spread of up to 1%, on top of the 0.5% fee.
Short payments can cost you all of it
Its fee schedule charges 100% of a payment exception, like an underpayment, that isn't refunded. With 402pay, a short payment still lands in your wallet.
Paperwork first
Onboarding asks for owners, directors, bank details and company documents no older than three months.
402pay vs Confirmo, side by side
- Percentage of every crypto payment
402pay
0%Confirmo
0.5%, plus a spread of up to 1% to convert- Payments go straight to your own wallet
402pay
AlwaysConfirmo
No- Money is yours the moment it confirms
402pay
InstantlyConfirmo
On a settlement schedule- Cards, Apple Pay and Google Pay in the same checkout
402pay
3%, in betaConfirmo
Not listed- USDT on Tron
402pay
YesConfirmo
Yes- Nothing to host or maintain
402pay
Fully hostedConfirmo
Yes- Open beyond the US
402pay
YesConfirmo
Countries approved at onboarding- Available today
402pay
YesConfirmo
Yes- Networks
402pay
Solana, Polygon, Ethereum, Tron, Bitcoin
Confirmo
BTC, ETH, USDT, USDC, SOL and more on 7 networks
What you keep with 402pay
Percentage fees grow with every order. Pick your average payment and your volume to see what Confirmo would take out at its list price.
Confirmo would take out of your payments every month
$100
That's $1,200 a year. 402pay takes out nothing.
- Confirmo
- $100.00
- 402pay
- $0.00
The bottom line
Confirmo is built for settlement on a schedule: payments wait in its balance until your chosen day, conversion carries a spread, and an underpayment you don't refund can cost you all of it. 402pay hands you every payment the moment it confirms, short payments included.
With 402pay
- Who holds the money
- You, in a wallet only you hold the keys to
- When it's yours
- The moment the network confirms it
- What it costs
- 0% of a crypto payment
With Confirmo
- Who holds the money
- Payments are held in your Confirmo balance until settlement
- When it's yours
- On the schedule you set, once a minimum is reached
- What it costs
- 0.5%, plus a spread of up to 1% to convert
Here's what you can do in 30 minutes
Time is money, and with 402pay, it's yours from the very first payment.
- 5 mins
- Create your account
- Set up a self-custody wallet, or connect yours
- Pick the coins and networks checkout offers
- 15 mins
- Swap your Confirmo links for 402pay payment links
- Turn on cards, Apple Pay and Google Pay, in beta
- Let customers pay the fees, if you want
- 29 mins
- Create payments from your server with one API call
- Get a signed webhook for every payment
- Hand the setup prompt to your AI coding assistant
- No. Every payment goes straight to a wallet only you hold the keys to. 402pay never has your recovery phrase, so we can't freeze, hold or move your funds.
- 0% on crypto payments at an introductory rate and 3% on cards, and nothing is taken out of a payment. The pricing page lists every fee.
- Most businesses are accepting payments the same day: create an account, set up your wallet, and share a payment link or swap in one API call.
- Yes. Nothing ties you to one processor: send new orders through 402pay while anything open finishes on Confirmo, then switch over completely when you're ready.
- No. They pay on the hosted checkout by card, Apple Pay, Google Pay or from any crypto wallet, without signing up for anything.
- Yes. Connect it by its public keys and every payment goes there, for $15.00 a month.
More comparisons
Confirmo details from Confirmo checkout, Confirmo fee schedule, Confirmo settlements, Confirmo verification. Names and logos belong to their owners and are shown to identify them.