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AnyPay vs Lava
Two payment gateways side by side for SMM businesses — 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.
Where they differ
- Fee to accept AnyPay from 2% per payment vs Lava from 1% per payment
- Customers pay with only AnyPay: crypto, mobile billing and cash
- Currencies only AnyPay: USDT, BTC, ETH, TON and USDC
- Works with only AnyPay: Telegram bots
| 2 payment gateways | Visit site | Visit site |
|---|---|---|
| Costs | ||
| Fee to accept | 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. | from 1% per payment SBP from 1%, bank cards from 3%, LAVA wallet 0.5%. |
| Customers pay with | ||
| Crypto | Yes | No |
| Bank cards | Yes | Yes |
| SBP | Yes | Yes |
| E-wallets | Yes | Yes |
| Mobile billing | Yes | No |
| Cash | Yes | No |
| Currencies | ||
| Currencies | RUB · USDT · BTC · ETH · TON · USDC | RUB |
| Coverage | About 20 payment methods | — |
| Works with | ||
| Perfect Panel | Yes | Yes |
| Telegram bots | Yes | No |
| Any site via API | Yes | Yes |
| Payouts | ||
| Mass payouts | Yes | — |
| Onboarding | ||
| Onboarding | — | Light checks |
| Track record | ||
| Trust Score | 40 / 100 · Guarded | 40 / 100 · Guarded |
| On the market since | 2019 | 2016 |
| Reviews on smm.guide | No reviews yet | No reviews yet |
| Owner | 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
Other comparisons
Questions and answers
Which is cheaper for an SMM panel, AnyPay or Lava?
AnyPay: from 2% per payment. Lava: from 1% per payment.
Which one plugs into Perfect Panel, AnyPay or Lava?
Both: AnyPay and Lava are built into Perfect Panel — add them in the panel's payment methods and paste the keys.
Run AnyPay or Lava?
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