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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

Other comparisons

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.

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