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Compare 4 payment gateways
PayOp, Lava, FastPay, Big-Pay 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. | from 1% per payment SBP from 1%, bank cards from 3%, LAVA wallet 0.5%. | 0.5% per payment Flat: no monthly fee, no setup fee, no minimum turnover. | Individual Commission is set per merchant; not published. |
| Withdrawal fee | — | — | Network fee only | — |
| Customers pay with | ||||
| Crypto | Yes | No | Yes | No |
| Bank cards | Yes | Yes | No | Yes |
| SBP | No | Yes | No | No |
| E-wallets | Yes | Yes | No | No |
| Bank transfer | Yes | No | No | No |
| Local methods | Yes | No | No | No |
| Currencies | ||||
| Currencies | — | RUB | USDT · BTC · ETH · TON · TRX · SOL · BNB · USDC · DAI | — |
| Coverage | Dozens of currencies, local methods worldwide | — | 16 assets on 12 networks | — |
| Works with | ||||
| Perfect Panel | Yes | Yes | No | Yes |
| WHMCS | No | No | No | Yes |
| Telegram bots | No | No | Yes | No |
| Any site via API | Yes | Yes | Yes | Yes |
| Payouts | ||||
| To a crypto wallet | No | — | Yes | — |
| Mass payouts | Yes | — | No | — |
| Onboarding | ||||
| Onboarding | Company documents (KYB) | Light checks | No KYC — sign up and go | Company documents (KYB) |
| Track record | ||||
| Trust Score | 40 / 100 · Guarded | 40 / 100 · Guarded | 14 / 100 · Weak | 40 / 100 · Guarded |
| On the market since | 2011 | 2016 | 2026 | 2018 |
| Reviews on smm.guide | No reviews yet | No reviews yet | No reviews yet | 2.9 ★ · 1 review |
| Owner | Not claimed yet | Not claimed yet | Yes | 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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