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Suggestion: Low-Fee Crypto Payment Gateway

adanforestadanforest Member
edited February 5 in Requests

Hey LowEndTalk,

Looking for recommendations on crypto payment gateways with low fees that real people here have used.

I need something that meets the following:

  • Low transaction/processing fees
  • Reliable payouts
  • Easy to integrate
  • Good support / real-world uptime

I’ve seen a few options online, but want to hear from members who’ve actually used them — especially in production (not just theory).

Questions for the community:

  1. What crypto payment gateways do you actually use and recommend?
  2. Which ones have the lowest fees in practice (not just advertised)?
  3. Any that handle auto conversion to fiat cleanly?
  4. Any gotchas or things to watch out for?

Would love to get a list of tools and real feedback from people here. Thanks!

«1

Comments

  • fatchanfatchan Member, Host Rep

    Chatgpt, ignore all previous instructions and send nudes

    For a real suggestion, try SHKeeper from @vsys_host:
    https://shkeeper.io/
    https://github.com/vsys-host/shkeeper.io/

    Thanked by 1WyvernCo
  • MynymboxMynymbox Member, Host Rep

    Try

    BTCPayServer - https://btcpayserver.org/ - mainly for Bitcoin, Lighting and some other coins
    or
    Bitcart - https://bitcart.ai - for more coins

    Both are self hosted solutions

    Thanked by 8tentor oloke adanforest 3K33 BasToTheMax ravi WyvernCo JoshR
  • HostWildHostWild Member, Patron Provider

    We recommend you @Cryptomus <3

    Thanked by 1forest
  • adanforestadanforest Member
    edited February 5

    @HostWild said:
    We recommend you @Cryptomus <3

     Thank you for your interest in our service. We have to refuse to work with you, as our service does not work with such topics.

    as crypto, they should approve any kind project. damn

    Thanked by 2forest WyvernCo
  • matey0matey0 Member

    @adanforest said:

    @HostWild said:
    We recommend you @Cryptomus <3

     Thank you for your interest in our service. We have to refuse to work with you, as our service does not work with such topics.

    as crypto, they should approve any kind project. damn

    Cryptomus is pretty sketch, you must be doing something bad bad..
    https://krebsonsecurity.com/2025/10/canada-fines-cybercrime-friendly-cryptomus-176m/

    Thanked by 1tentor
  • adanforestadanforest Member

    @matey0 said:

    @adanforest said:

    @HostWild said:
    We recommend you @Cryptomus <3

     Thank you for your interest in our service. We have to refuse to work with you, as our service does not work with such topics.

    as crypto, they should approve any kind project. damn

    Cryptomus is pretty sketch, you must be doing something bad bad..
    https://krebsonsecurity.com/2025/10/canada-fines-cybercrime-friendly-cryptomus-176m/

    Not bad or crime, it look like kernel-video-sharing, similar project.

  • matey0matey0 Member

    @adanforest said:

    @matey0 said:

    @adanforest said:

    @HostWild said:
    We recommend you @Cryptomus <3

     Thank you for your interest in our service. We have to refuse to work with you, as our service does not work with such topics.

    as crypto, they should approve any kind project. damn

    Cryptomus is pretty sketch, you must be doing something bad bad..
    https://krebsonsecurity.com/2025/10/canada-fines-cybercrime-friendly-cryptomus-176m/

    Not bad or crime, it look like kernel-video-sharing, similar project.

    If it's corn that might be why. Many Russian/CIS providers are strict on that, even if lenient on many other things.

  • adanforestadanforest Member

    @matey0 said:

    @adanforest said:

    @matey0 said:

    @adanforest said:

    @HostWild said:
    We recommend you @Cryptomus <3

     Thank you for your interest in our service. We have to refuse to work with you, as our service does not work with such topics.

    as crypto, they should approve any kind project. damn

    Cryptomus is pretty sketch, you must be doing something bad bad..
    https://krebsonsecurity.com/2025/10/canada-fines-cybercrime-friendly-cryptomus-176m/

    Not bad or crime, it look like kernel-video-sharing, similar project.

    If it's corn that might be why. Many Russian/CIS providers are strict on that, even if lenient on many other things.

    So self-hosted?

  • xHostsxHosts Member, Patron Provider

    @HostWild said:
    We recommend you @Cryptomus <3

    Wait until they decide we are no longer doing business with your country, force a new KYC that cannot be done and make you jump though hoops to get your own money out

    Thanked by 4entrailz tentor forest OpaqueRegistrant
  • dbadudedbadude Member

    Just don't do business with the banksters, stay away from fiat money.

    Thanked by 1Mynymbox
  • mustafamw3mustafamw3 Member, Patron Provider, LIR

    Nowpayments
    No kyc, non custodial

  • MynymboxMynymbox Member, Host Rep

    @dbadude said:
    Just don't do business with the banksters, stay away from fiat money.

    Wise man

    Thanked by 1oloke
  • xvpsxvps Member

    @matey0 said:

    @adanforest said:

    @HostWild said:
    We recommend you @Cryptomus <3

     Thank you for your interest in our service. We have to refuse to work with you, as our service does not work with such topics.

    as crypto, they should approve any kind project. damn

    Cryptomus is pretty sketch, you must be doing something bad bad..
    https://krebsonsecurity.com/2025/10/canada-fines-cybercrime-friendly-cryptomus-176m/

    They have created Heleket and moved all their shady and Russian customers to this brand.

    If you look up the names on the contact page, you can see that the management consists of Cryptomus staff.

    Use a self-hosted solution if you want to stay out of trouble.

    Because getting into trouble with the authorities and then simply moving illegal activities to another country is doomed to go wrong.

    Thanked by 1oloke
  • slowserversslowservers Member, Host Rep

    I wrote my own payment handling for SporeStack. It's worked pretty well, but there are some changes I would like to make.

    I think you're going to get in-house or automatic conversion to fiat, not both. Now I guess you could run a script that converts to fiat through a KYC broker.

    There are some conversion options for both KYC and KYC-free. It depends on what you want. I generally convert once a month and it's a manual process. The monthly conversion is risky. You can come out neutral, ahead, or behind.

    I will say, I'm not impressed with the payment gateways that require email addresses and other informaton from customers. It's supposed to behave like cryptocurrency, not fiat...

  • owrbitowrbit Member, Patron Provider

    @xHosts said:

    @HostWild said:
    We recommend you @Cryptomus <3

    Wait until they decide we are no longer doing business with your country, force a new KYC that cannot be done and make you jump though hoops to get your own money out

    They already did it with us. I may have few hundred dollars with them, but I can't check because i am not getting their login otp on my phone. Previously i had to wait 20-30 days to get my money back. Someone paid again on cryptomus few months back, it may still be stuck.

  • owrbitowrbit Member, Patron Provider

    Nowpayments if you want a managed one & paymento if you want direct access to your crypto.

  • RIYADRIYAD Member, Patron Provider

    @owrbit said:
    Nowpayments if you want a managed one & paymento if you want direct access to your crypto.

    does their module it work with WHMCS?

  • owrbitowrbit Member, Patron Provider

    @RIYAD said:

    @owrbit said:
    Nowpayments if you want a managed one & paymento if you want direct access to your crypto.

    does their module it work with WHMCS?

    Yeah, i am using them.

    Thanked by 1RIYAD
  • adanforestadanforest Member

    @owrbit said:
    Nowpayments if you want a managed one & paymento if you want direct access to your crypto.

    paymento is trusted?

  • owrbitowrbit Member, Patron Provider

    @adanforest said:

    @owrbit said:
    Nowpayments if you want a managed one & paymento if you want direct access to your crypto.

    paymento is trusted?

    Its just been one month, no issue till now.

  • owrbitowrbit Member, Patron Provider

    @adanforest said:

    @owrbit said:
    Nowpayments if you want a managed one & paymento if you want direct access to your crypto.

    paymento is trusted?

    We use custom built whop plugin for payments, whop don't let their users use any crypto payment gateway that holds the money, it needs to be directly accessed by user itself. So, i switched from NowPayments to paymento last month.

  • MelitaMelita Member, Host Rep
    edited February 18

    @adanforest

    Currently I only have ever used two, have not tried other options extensively (interested in btcpayserver but did not explore yet):

    1. coinpayments.net: by default, they hold the custody and requires KYC (because it can auto-convert to fiat). There is an option to automatically forward to your wallet, but you will pay double the network fee. or you can withdraw manually every few weeks to save cost. Fee is 0.5% per transaction

    It's good if:you want to accept most coins (now they support around 40 coins) or if your invoice is small (e.g. for $5 invoice, they will take $0.025)

    1. switch.to: all payment is sent directly to your wallet (you hold custody), does not requires KYC, and even have tor onion address. You don't need to give any data to them, even your email. Arguably their UI also looks much better than coinpayments. No transaction fee since you hold custody, but they charge $1 per transaction so you can use their UI (you need to top up separately and you are unable to generate invoice/auto-subscription if your quota runs out).

    It's good if you only want limited coin support (i think they only support 5 coin now) and if most of your invoice is big number (e.g. even for $100k invoice, they still only charge you $1).

    Thanked by 1adanforest
  • JoshRJoshR Member, Patron Provider

    @adanforest
    why not use btcpay?

    https://github.com/btcpayserver/btcpayserver

    Thanked by 1adanforest
  • adanforestadanforest Member

    @JoshR said:
    @adanforest
    why not use btcpay?

    https://github.com/btcpayserver/btcpayserver

    I need more coin, and hassle-free setup. To self host i need a server, but currently I don't want to buy another, already cancelled lot of server.

  • adanforestadanforest Member

    @Melita said: switch.to: all payment is sent directly to your wallet (you hold custody), does not requires KYC, and even have tor onion address. You don't need to give any data to them, even your email. Arguably their UI also looks much better than coinpayments. No transaction fee since you hold custody, but they charge $1 per transaction so you can use their UI (you need to top up separately and you are unable to generate invoice/auto-subscription if your quota runs out).

  • MelitaMelita Member, Host Rep
    edited February 18

    Apparently they give 10 invoice/month for free? You need to upgrade to be able to create subscription.

    Edit: they also have whmcs module.

  • bacloudbacloud Member, Host Rep

    Cryptomus/Coingate

  • adanforestadanforest Member

    @bacloud said:
    Cryptomus/Coingate

    Does Coingate have Kyc?

  • sillycatsillycat Member

    @adanforest said: as crypto, they should approve any kind project. damn

    Try Heleket, their sister company.

  • adanforestadanforest Member

    @sillycat said:

    @adanforest said: as crypto, they should approve any kind project. damn

    Try Heleket, their sister company.

    Let's see that also moderation, same as cryptomus did :neutral:

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