The Cryptomus alternative that pays your own wallet
Cryptomus starts new accounts at 2% and holds every payment in its balance until you withdraw it. 402pay sends each one straight to your own wallet, with zero percentage fees.
- 0%
- of every crypto payment, against 2% with Cryptomus
- Your wallet
- not Cryptomus's account
- Cards + crypto
- in one checkout, into one wallet
Cryptomus at a glance
Cryptomus offers more than 100 coins, a hosted checkout and automatic conversion, and starts new accounts at 2% a payment, lower on request.
Payments are credited to a Cryptomus balance, and you withdraw them or schedule withdrawals, paying the network fee each time. Card payers go through a third-party on-ramp that asks them to sign up and verify their identity first. In October 2025, Canada's financial intelligence unit, FINTRAC, gave the company behind it the largest penalty in its history; the company has appealed.
Why businesses switch from Cryptomus
The reasons businesses give for leaving Cryptomus come back to the same few things: who holds the money, what it costs as sales grow, and which customers can pay at all.
2% to start
New accounts pay 2% of every payment until they negotiate it down. On a $1,000 order that's $20; 402pay takes no percentage at all.
Your money waits in its balance
Every payment is credited to a Cryptomus balance first. You withdraw it, or schedule automatic withdrawals, and the store pays the network fee each time.
Card payers have to pass KYC
Cards go through a third-party on-ramp that makes your customer sign up and verify their identity, with a 25 USD minimum.
A record regulatory penalty
In October 2025 Canada's FINTRAC fined the company operating Cryptomus about CAD 177 million, the largest penalty in its history. The company has appealed.
402pay vs Cryptomus, side by side
- Percentage of every crypto payment
402pay
0%Cryptomus
2%, for new accounts, lower on request- Payments go straight to your own wallet
402pay
AlwaysCryptomus
No- Money is yours the moment it confirms
402pay
InstantlyCryptomus
After a withdrawal- Cards, Apple Pay and Google Pay in the same checkout
402pay
3%, in betaCryptomus
Through an on-ramp that makes customers verify their ID- USDT on Tron
402pay
YesCryptomus
Yes- Nothing to host or maintain
402pay
Fully hostedCryptomus
Yes- Open beyond the US
402pay
YesCryptomus
Not for US users- Available today
402pay
YesCryptomus
Yes- Networks
402pay
Solana, Polygon, Ethereum, Tron, Bitcoin
Cryptomus
100+ coins
What you keep with 402pay
Percentage fees grow with every order. Pick your average payment and your volume to see what Cryptomus would take out at its list price.
Cryptomus would take out of your payments every month
$400
That's $4,800 a year. 402pay takes out nothing.
- Cryptomus
- $400.00
- 402pay
- $0.00
The bottom line
Cryptomus offers a lot of coins, but every one of them lands in a balance it controls, new accounts start at 2%, and card payers have to verify their identity with a third party before they can pay. 402pay takes no percentage on crypto, lets card customers simply pay by card, and never holds a cent of your revenue.
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 Cryptomus
- Who holds the money
- Payments are credited to your Cryptomus balance
- When it's yours
- When you withdraw, or on an automatic withdrawal every 1 to 24 hours
- What it costs
- 2%, for new accounts, lower on request
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 Cryptomus 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
- Yes. Payments are credited to your Cryptomus balance, and payouts draw from it. With 402pay, every payment goes straight to a wallet only you control.
- 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 Cryptomus, 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
Cryptomus details from Cryptomus payment fees, Cryptomus invoice API, Cryptomus KYC, Cryptomus fiat on-ramp, FINTRAC penalty notice. Names and logos belong to their owners and are shown to identify them.