The Heleket alternative with nothing to freeze
Heleket keeps your payments in its own balance, and its terms let it freeze deposits and hold withdrawals. 402pay never holds them at all: every payment goes straight to your own wallet.
- 0%
- of every crypto payment, against 0.4% with Heleket
- Your wallet
- not Heleket's account
- Cards + crypto
- in one checkout, into one wallet
Heleket at a glance
Heleket is a crypto processor that asks for little to sign up and advertises fees from 0.4%. It supports 17 coins across 8 networks.
Payments go into a Heleket balance, and its terms let it freeze deposits, hold or reject withdrawals and change fees without prior notice. It doesn't take cards, and it doesn't serve businesses in the United States.
Why businesses switch from Heleket
The reasons businesses give for leaving Heleket come back to the same few things: who holds the money, what it costs as sales grow, and which customers can pay at all.
Your money sits with Heleket
Heleket's own pitch is to store and convert funds in your Heleket balance, then withdraw them to your wallet. Until you do, they're in its hands.
Terms that allow freezes
Its terms let Heleket freeze a deposit, and delay, restrict, reject or freeze a withdrawal.
Fees that can change overnight
Heleket doesn't publish a standard rate, and its terms let it amend fees at any time without prior notice.
No cards
Crypto only, so customers who'd pay by card can't.
Not for US businesses
Its AML policy lists the United States among the jurisdictions it doesn't serve.
402pay vs Heleket, side by side
- Percentage of every crypto payment
402pay
0%Heleket
0.4%, its lowest advertised rate; standard rates aren't published- Payments go straight to your own wallet
402pay
AlwaysHeleket
No- Money is yours the moment it confirms
402pay
InstantlyHeleket
After a withdrawal- Cards, Apple Pay and Google Pay in the same checkout
402pay
3%, in betaHeleket
No- USDT on Tron
402pay
YesHeleket
Yes- Nothing to host or maintain
402pay
Fully hostedHeleket
Yes- Open beyond the US
402pay
YesHeleket
Not for US businesses- Available today
402pay
YesHeleket
Yes- Networks
402pay
Solana, Polygon, Ethereum, Tron, Bitcoin
Heleket
17 coins across 8 networks
What you keep with 402pay
Percentage fees grow with every order. Pick your average payment and your volume to see what Heleket would take out at its list price.
Heleket would take out of your payments every month
$80
That's $960 a year. 402pay takes out nothing.
- Heleket
- $80.00
- 402pay
- $0.00
The bottom line
Heleket asks for very little to get started, and its terms ask for a lot in return: the right to freeze deposits, hold withdrawals and change fees without notice, all while your money sits in its balance. With 402pay, there's no balance to freeze. Every payment lands in a wallet only you hold the keys to.
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 Heleket
- Who holds the money
- Payments are credited to your Heleket balance
- When it's yours
- When you withdraw, or on an automatic withdrawal every 1 to 24 hours
- What it costs
- 0.4%, its lowest advertised rate; standard rates aren't published
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 Heleket 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 Heleket, 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
Heleket details from Heleket, Heleket terms, Heleket AML policy, Heleket invoice API, Heleket currencies. Names and logos belong to their owners and are shown to identify them.