Choosing the right crypto payment gateway is one of the most important decisions for any business entering the cryptocurrency economy. In this comparison, we analyze the top three providers: PayerScan, Coinbase Commerce, and BitPay.
Fee Comparison
PayerScan charges a flat 0.2% per transaction with no monthly fees. Coinbase Commerce charges 1% per transaction. BitPay charges 1% with additional settlement fees for some currencies. NOWPayments charges 0.5% plus a monthly subscription starting at $19.99.
For a business processing $50,000/month, the annual fee difference between PayerScan (0.2%) and Coinbase Commerce (1%) is $4,800 — a significant saving.
Network Support
PayerScan leads with 35+ blockchain networks including all major EVM chains, TRON, and Binance Pay. Coinbase Commerce supports 8 networks. BitPay supports 5 chains. This matters because your customers use different wallets on different networks — more network support means fewer abandoned payments.
Integration Experience
All three providers offer REST APIs. PayerScan's API is the simplest — one endpoint to create an invoice, one webhook for payment confirmation. The documentation includes copy-paste examples for Node.js, Python, PHP, and more. Coinbase Commerce and BitPay have more complex SDKs with steeper learning curves.
KYC Requirements
PayerScan and NOWPayments do not require KYC for merchants. Coinbase Commerce requires identity verification. BitPay requires full KYC including business documentation. For developers and small businesses, no-KYC gateways remove a significant barrier to entry.
Verdict
PayerScan offers the best combination of low fees, broad network support, simple integration, and no KYC requirements. Coinbase Commerce is a strong choice for businesses already in the Coinbase ecosystem. BitPay is best for enterprises that need fiat settlement.
Last updated: Feb 18, 2026