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Big-Pay vs PayOp
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
- Customers pay with only PayOp: crypto, e-wallets, bank transfer and local methods
- Works with only Big-Pay: WHMCS
| 2 payment gateways | Visit site | Visit site |
|---|---|---|
| Costs | ||
| Fee to accept | Individual Commission is set per merchant; not published. | Individual Quoted per merchant after the pre-check. |
| Customers pay with | ||
| Crypto | No | Yes |
| Bank cards | Yes | Yes |
| E-wallets | No | Yes |
| Bank transfer | No | Yes |
| Local methods | No | Yes |
| Currencies | ||
| Coverage | — | Dozens of currencies, local methods worldwide |
| Works with | ||
| Perfect Panel | Yes | Yes |
| WHMCS | Yes | No |
| Any site via API | Yes | Yes |
| Payouts | ||
| Mass payouts | — | Yes |
| Onboarding | ||
| Onboarding | Company documents (KYB) | Company documents (KYB) |
| Track record | ||
| Trust Score | 40 / 100 · Guarded | 40 / 100 · Guarded |
| On the market since | 2018 | 2011 |
| Reviews on smm.guide | 2.9 ★ · 1 review | 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
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Questions and answers
Which is cheaper for an SMM panel, Big-Pay or PayOp?
Big-Pay: Individual. PayOp: Individual.
Do Big-Pay and PayOp require KYC?
Big-Pay: Company documents (KYB). PayOp: Company documents (KYB).
Which one plugs into Perfect Panel, Big-Pay or PayOp?
Both: Big-Pay and PayOp are built into Perfect Panel — add them in the panel's payment methods and paste the keys.
Run Big-Pay or PayOp?
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