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Compare 3 payment gateways
PayOp, Cryptomus, Lava 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.
| 3 payment gateways | 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. | from 1% per payment SBP from 1%, bank cards from 3%, LAVA wallet 0.5%. |
| Withdrawal fee | — | $1 per withdrawal, $3 on TRC-20 | — |
| Customers pay with | |||
| Crypto | Yes | Yes | No |
| Bank cards | Yes | No | Yes |
| SBP | No | No | Yes |
| E-wallets | Yes | No | Yes |
| Bank transfer | Yes | No | No |
| Local methods | Yes | No | No |
| Currencies | |||
| Currencies | — | USDT · BTC · ETH · TON · TRX · LTC · SOL · BNB · USDC · DAI · DOGE · XMR · POL · BCH · AVAX · SHIB | RUB |
| Coverage | Dozens of currencies, local methods worldwide | 100+ coins | — |
| Works with | |||
| Perfect Panel | Yes | Yes | Yes |
| Any site via API | Yes | Yes | Yes |
| Payouts | |||
| To a crypto wallet | No | Yes | — |
| Mass payouts | Yes | Yes | — |
| Onboarding | |||
| Onboarding | Company documents (KYB) | ID check (KYC) | Light checks |
| Track record | |||
| Trust Score | 40 / 100 · Guarded | 40 / 100 · Guarded | 40 / 100 · Guarded |
| On the market since | 2011 | 2017 | 2016 |
| Reviews on smm.guide | No reviews yet | No reviews yet | No reviews yet |
| Owner | 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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