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Lava 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
- Fee to accept Lava from 1% per payment vs PayOp Individual
- Customers pay with only Lava: SBP; only PayOp: crypto, bank transfer and local methods
- Onboarding Lava Light checks vs PayOp Company documents (KYB)
| 2 payment gateways | Visit site | Visit site |
|---|---|---|
| Costs | ||
| Fee to accept | from 1% per payment SBP from 1%, bank cards from 3%, LAVA wallet 0.5%. | Individual Quoted per merchant after the pre-check. |
| Customers pay with | ||
| Crypto | No | Yes |
| Bank cards | Yes | Yes |
| SBP | Yes | No |
| E-wallets | Yes | Yes |
| Bank transfer | No | Yes |
| Local methods | No | Yes |
| Currencies | ||
| Currencies | RUB | — |
| Coverage | — | Dozens of currencies, local methods worldwide |
| Works with | ||
| Perfect Panel | Yes | Yes |
| Any site via API | Yes | Yes |
| Payouts | ||
| Mass payouts | — | Yes |
| Onboarding | ||
| Onboarding | Light checks | Company documents (KYB) |
| Track record | ||
| Trust Score | 40 / 100 · Guarded | 40 / 100 · Guarded |
| On the market since | 2016 | 2011 |
| 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
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Questions and answers
Which is cheaper for an SMM panel, Lava or PayOp?
Lava: from 1% per payment. PayOp: Individual.
Do Lava and PayOp require KYC?
Lava: Light checks. PayOp: Company documents (KYB).
Which one plugs into Perfect Panel, Lava or PayOp?
Both: Lava and PayOp are built into Perfect Panel — add them in the panel's payment methods and paste the keys.
Run Lava or PayOp?
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