The Crypto.com Pay alternative with no balance to wait on
Crypto.com Pay keeps what you earn in a merchant account and pays out above a minimum. 402pay sends every payment straight to your own wallet, including USDT on Tron.
- 5 networks
- in one hosted checkout
- Your wallet
- not Crypto.com Pay's account
- Cards + crypto
- in one checkout, into one wallet
Crypto.com Pay at a glance
Crypto.com Pay lets merchants accept payments from Crypto.com App users and external wallets, with no transaction fee on the payment itself.
What you earn is held in a merchant account until settlement, and payouts start at $100 in fiat or 0.01 BTC, with payout fees shown in the dashboard. It doesn't support Tron, and card buyers go through a separate on-ramp that charges 3.99%.
Why businesses switch from Crypto.com Pay
The reasons businesses give for leaving Crypto.com Pay come back to the same few things: who holds the money, what it costs as sales grow, and which customers can pay at all.
Held until settlement
Payments credit a merchant account that Crypto.com holds until settlement, and its terms let it delay settlement or restrict the account during a review.
High payout minimums
Fiat payouts start at $100, €130 or £100, and crypto payouts at 0.01 BTC or 0.1 ETH.
No USDT on Tron
Tron isn't among its payment networks, so customers holding the most-used stablecoin there can't pay.
Cards cost your customer 3.99%
Card buyers go through Pay On-ramp, which charges a 3.99% transaction fee plus the network fee.
402pay vs Crypto.com Pay, side by side
- Percentage of every crypto payment
402pay
0%Crypto.com Pay
No processing fee, no transaction fee; payout fees apply- Payments go straight to your own wallet
402pay
AlwaysCrypto.com Pay
No- Money is yours the moment it confirms
402pay
InstantlyCrypto.com Pay
After a payout- Cards, Apple Pay and Google Pay in the same checkout
402pay
3%, in betaCrypto.com Pay
A separate on-ramp at 3.99%- USDT on Tron
402pay
YesCrypto.com Pay
No- Nothing to host or maintain
402pay
Fully hostedCrypto.com Pay
Yes- Open beyond the US
402pay
YesCrypto.com Pay
Yes- Available today
402pay
YesCrypto.com Pay
Yes- Networks
402pay
Solana, Polygon, Ethereum, Tron, Bitcoin
Crypto.com Pay
About 30 assets through the Crypto.com App, fewer from other wallets
The bottom line
Crypto.com Pay works best for customers who already use the Crypto.com App, and it holds what you earn until you pass a payout minimum. 402pay works with any wallet, includes USDT on Tron, and puts every payment in your own wallet with no minimum to reach.
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 Crypto.com Pay
- Who holds the money
- Payments are held in your Crypto.com merchant account until settlement
- When it's yours
- On payout, above a minimum
- What it costs
- No processing fee, no transaction fee; payout fees apply
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 Crypto.com Pay 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 Crypto.com Pay, 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
Crypto.com Pay details from Crypto.com Pay for Business, Crypto.com Pay docs, Settlement currencies, Payment currencies, Pay On-ramp. Names and logos belong to their owners and are shown to identify them.