Home / Tools / Payment gateways for SMM panels / Compare
Compare 4 payment gateways
Lava, Cryptomus, Big-Pay, PayOp side by side — on the facts each one publishes and our team checks: the fee to take a payment and to withdraw it, KYC, coins and the panel engines it plugs into. Checked September 26, 2026.
| 4 payment gateways | Visit site | Visit site | Visit site | Visit site |
|---|---|---|---|---|
| Costs | ||||
| Fee to accept | from 1% per payment SBP from 1%, bank cards from 3%, LAVA wallet 0.5%. | 2% per payment The standard rate for a new merchant; down to 0.4% on request, depending on turnover and business type. | Individual Commission is set per merchant; not published. | Individual Quoted per merchant after the pre-check. |
| Withdrawal fee | — | $1 per withdrawal, $3 on TRC-20 | — | — |
| Customers pay with | ||||
| Crypto | No | Yes | No | Yes |
| Bank cards | Yes | No | Yes | Yes |
| SBP | Yes | No | No | No |
| E-wallets | Yes | No | No | Yes |
| Bank transfer | No | No | No | Yes |
| Local methods | No | No | No | Yes |
| Currencies | ||||
| Currencies | RUB | USDT · BTC · ETH · TON · TRX · LTC · SOL · BNB · USDC · DAI · DOGE · XMR · POL · BCH · AVAX · SHIB | — | — |
| Coverage | — | 100+ coins | — | Dozens of currencies, local methods worldwide |
| Works with | ||||
| Perfect Panel | Yes | Yes | Yes | Yes |
| WHMCS | No | No | Yes | No |
| Any site via API | Yes | Yes | Yes | Yes |
| Payouts | ||||
| To a crypto wallet | — | Yes | — | No |
| Mass payouts | — | Yes | — | Yes |
| Onboarding | ||||
| Onboarding | Light checks | ID check (KYC) | Company documents (KYB) | Company documents (KYB) |
| Track record | ||||
| Trust Score | 40 / 100 · Guarded | 40 / 100 · Guarded | 40 / 100 · Guarded | 40 / 100 · Guarded |
| On the market since | 2016 | 2017 | 2018 | 2011 |
| Reviews on smm.guide | No reviews yet | No reviews yet | 2.9 ★ · 1 review | No reviews yet |
| Owner | Not claimed yet | Not claimed yet | Not claimed yet | Not claimed yet |
the better figure in the row— not confirmed yet · facts from each payment gateway's own site and our team
Run one of these?
Claim its page to correct a fact, answer reviews and keep this comparison current. Verification is free.
Claim your page