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Compare 4 payment gateways
PayOp, Cryptomus, Heleket, AnyPay 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 | Individual Quoted per merchant after the pre-check. | 2% per payment The standard rate for a new merchant; down to 0.4% on request, depending on turnover and business type. | 0.8% per payment The rate a new merchant pays, checked by our team; the site quotes from 0.4% for larger volume. | from 2% per payment E-wallets from 2%, bank cards from 3%, mobile from 3.5%, cash from 5%; individual terms above $10,000 a month. |
| Withdrawal fee | — | $1 per withdrawal, $3 on TRC-20 | — | — |
| Customers pay with | ||||
| Crypto | Yes | Yes | Yes | Yes |
| Bank cards | Yes | No | No | Yes |
| SBP | No | No | No | Yes |
| E-wallets | Yes | No | No | Yes |
| Mobile billing | No | No | No | Yes |
| Bank transfer | Yes | No | No | No |
| Local methods | Yes | No | No | No |
| Cash | No | No | No | Yes |
| Currencies | ||||
| Currencies | — | USDT · BTC · ETH · TON · TRX · LTC · SOL · BNB · USDC · DAI · DOGE · XMR · POL · BCH · AVAX · SHIB | USDT · BTC · ETH · TRX · LTC · SOL · BNB · USDC · DAI · DOGE · XMR · POL · BCH · DASH · AVAX · SHIB | RUB · USDT · BTC · ETH · TON · USDC |
| Coverage | Dozens of currencies, local methods worldwide | 100+ coins | 17 coins on 8 networks | About 20 payment methods |
| Works with | ||||
| Perfect Panel | Yes | Yes | Yes | Yes |
| WHMCS | No | No | Yes | No |
| Telegram bots | No | No | No | Yes |
| Any site via API | Yes | Yes | Yes | Yes |
| Payouts | ||||
| To a crypto wallet | No | Yes | Yes | No |
| Mass payouts | Yes | Yes | Yes | Yes |
| Onboarding | ||||
| Onboarding | Company documents (KYB) | ID check (KYC) | No KYC — sign up and go | — |
| Track record | ||||
| Trust Score | 40 / 100 · Guarded | 40 / 100 · Guarded | 27 / 100 · Weak | 40 / 100 · Guarded |
| On the market since | 2011 | 2017 | 2024 | 2019 |
| Reviews on smm.guide | No reviews yet | No reviews yet | No reviews yet | 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
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