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Compare 4 payment gateways
Payzink, Lava, Big-Pay, FastPay 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 October 2, 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%. | Individual Commission is set per merchant; not published. | 0.5% per payment Flat: no monthly fee, no setup fee, no minimum turnover. |
| Withdrawal fee | — | — | — | Network fee only |
| Customers pay with | ||||
| Crypto | No | No | No | Yes |
| Bank cards | Yes | Yes | Yes | No |
| SBP | No | Yes | No | No |
| E-wallets | No | Yes | No | No |
| Currencies | ||||
| Currencies | USD | RUB | — | USDT · BTC · ETH · TON · TRX · SOL · BNB · USDC · DAI |
| Coverage | Visa, Mastercard, Amex, JCB, Discover | — | — | 16 assets on 12 networks |
| Works with | ||||
| Perfect Panel | No | Yes | Yes | No |
| WHMCS | No | No | Yes | No |
| Telegram bots | No | No | No | Yes |
| Any site via API | Yes | Yes | Yes | Yes |
| Payouts | ||||
| To a crypto wallet | — | — | — | Yes |
| Onboarding | ||||
| Onboarding | — | Light checks | Company documents (KYB) | No KYC — sign up and go |
| Track record | ||||
| Trust Score | 16 / 100 · Weak | 40 / 100 · Guarded | 40 / 100 · Guarded | 14 / 100 · Weak |
| On the market since | 2025 | 2016 | 2018 | 2026 |
| 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 | Yes |
the better figure in the row— not confirmed yet · facts from each payment gateway's own site and our team
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