tech from europe
BitPay

The best alternatives to BitPay

7 European alternatives · updated 12 October 2026 · How we select

BitPay’s mandatory buyer KYC and rigid fee model push merchants to look for alternatives that cut checkout friction and reduce costs. European providers like BVNK, CryptoProcessing by CoinsPaid and Fipto keep data in the EU and offer instant fiat conversion. Inqud even provides a free plan with multi-chain support.

In short

BitPay covers payment processing, invoicing & billing, settlements & payouts and compliance & security. European alternatives: CryptoProcessing by CoinsPaid, CoinGate, BVNK, Fipto and Inqud and 2 more. By area: CryptoProcessing by CoinsPaid, CoinGate and BVNK for payment processing; CryptoProcessing by CoinsPaid, CoinGate and Inqud for invoicing & billing; CryptoProcessing by CoinsPaid, CoinGate and BVNK for settlements & payouts; CryptoProcessing by CoinsPaid for compliance & security.

European alternatives to BitPay

CryptoProcessing by CoinsPaid🇪🇪 EE

EU-based crypto payment gateway with instant fiat conversion

Full substitute for BitPay with payment processing, invoicing, payouts and compliance tools.

Covers all of BitPay★ 4.3 (7 reviews)
EU hostingGDPRISO/IEC 27001
CryptoProcessing by CoinsPaid vs BitPay →
What users praise and criticise
  • Intuitive merchant dashboard with transparent transaction tracking
  • Straightforward integration and simple end-customer checkout
  • Support for 20+ cryptocurrencies with instant conversion to 40+ fiat currencies (EUR, USD, etc.)
  • Rigorous and lengthy KYB onboarding with extensive documentation requirements and multi-week review times
  • Limited selection of niche cryptocurrencies and exotic fiat pairings compared to specialized aggregators
  • Regional delays or limits for non-EU fiat settlements (e.g., INR)
CoinGate🇱🇹 LT

EU-regulated crypto payment gateway for merchants

Replaces BitPay’s payment processing, invoicing and settlements; lacks built-in compliance tools.

Payment processingInvoicing & billingSettlements & payouts★ 3.7 (1682 reviews)
GDPR
CoinGate vs BitPay →
What users praise and criticise
  • Intuitive dashboard and straightforward setup with smooth e-commerce plugin and API integration
  • Supports payments across dozens of cryptocurrencies and stablecoins
  • Real-time conversion and settlement into fiat (EUR, USD) or stablecoins to mitigate volatility
  • Strict KYC and corporate verification process causing onboarding delays
  • Support bottlenecks during payment holds or manual refund interventions
  • Basic reporting features and limited accounting export depth
BVNK🇬🇧 GB

Enterprise crypto and stablecoin payment infrastructure for high-volume merchants

Replaces BitPay’s payment processing and settlements for high-volume merchants; no invoicing tools.

Payment processingSettlements & payouts★ 4.1 (16 reviews)
EU hostingGDPRISO 27001:2022
BVNK vs BitPay →
What users praise and criticise
  • Dedicated customer support and proactive account management
  • 24/7 cross-border settlement bridging fiat and stablecoin networks
  • API-first architecture enabling rapid integration of crypto checkouts and mass payouts
  • Strict KYB/AML onboarding delays and extensive documentation requirements
  • Occasional portal UI performance lags and slow page loading
  • Enterprise-only focus with $500k/month minimum processing threshold
Fipto🇫🇷 FR

Enterprise stablecoin and fiat payment rails with dual French regulation

Replaces BitPay’s payment processing and settlements with stablecoin support; no invoicing tools.

Payment processingSettlements & payouts★ 3.9 (4 reviews)
EU hostingGDPRISO/IEC 27001:2022
Fipto vs BitPay →
What users praise and criticise
  • Simple platform navigation and payment link generation
  • Easy setup of dedicated IBANs and digital/crypto wallets
  • Near-instant global cross-border payment execution via fiat and blockchain settlement
  • Technical integration challenges with legacy systems via API and blockchain rails
  • Limited public review footprint and reliance on custom enterprise pricing
Inqud🇵🇱 PL

Crypto payment gateway for multi-chain checkout and auto-conversion

Replaces BitPay’s payment processing, invoicing and settlements; lacks compliance tools.

Payment processingInvoicing & billingSettlements & payouts★ 4.5 (19 reviews)
EU hostingGDPRFree planISO 27001
Inqud vs BitPay →
What users praise and criticise
  • Intuitive dashboard and clean UI for managing crypto and fiat balances
  • Developer-friendly onboarding with drop-in widgets, hosted checkouts and REST APIs
  • Sandbox testing environments enable fast go-to-market (1–3 business days)
  • Lack of publicly published pricing tables, quote-based model only
  • Sales-gated onboarding and enterprise-focused contracting structure
  • Geographical and regulatory restrictions limit availability in certain jurisdictions
WL Crypto Payments🇫🇷 FR

Omnichannel crypto payment gateway with instant fiat settlement

Replaces BitPay’s payment processing and settlements with instant fiat conversion; no invoicing or compliance tools.

Payment processingSettlements & payouts
EU hostingGDPRISO 27001:2022
WL Crypto Payments vs BitPay →
Salamantex🇦🇹 AT

Austrian crypto payment gateway with instant EUR conversion for POS and e-commerce

Replaces BitPay’s payment processing and settlements with instant EUR conversion; no invoicing or compliance.

Payment processingSettlements & payouts
GDPR
Salamantex vs BitPay →

All BitPay alternatives at a glance

Which part of BitPay each alternative covers.

ProviderPayment processingInvoicing & billingSettlements & payoutsCompliance & securityFromRating
BitPay 🇺🇸 (the tool you are replacing)✓✓✓✓$0.25★ 4.2
CryptoProcessing by CoinsPaid 🇪🇪✓✓✓✓On request★ 4.3 (7)
CoinGate 🇱🇹✓✓✓On request★ 3.7 (1682)
BVNK 🇬🇧✓✓On request★ 4.1 (16)
Fipto 🇫🇷✓✓On request★ 3.9 (4)
Inqud 🇵🇱✓✓✓On request★ 4.5 (19)
WL Crypto Payments 🇫🇷✓✓On request–
Salamantex 🇦🇹✓✓On request–

Prices per user and month in the cheapest paid plan. Ratings are weighted across G2, Capterra, OMR and other portals, with the review count in brackets.

BitPay: the facts

What to know about the tool you are replacing, with sources.

Headquarters
🇺🇸 US · since 2011
Price
from $0.25
Rating
★ 4.2 (38 reviews)

What users value in BitPay

  • Supports a wide range of e-commerce platforms
  • Offers REST API for custom integrations
  • Automated settlement processes

What they criticise

  • Transaction fees can be high for low-volume merchants
  • No published EU or German data residency options
  • DPA and sub-processor details not publicly available

Sources: g2.com · getapp.com · bitpay.com · researched 5 October 2026

Moving away from BitPay

BitPay exports your data as CSV, JSON and IIF, and its API can read everything out.

Frequently asked questions

Do European BitPay alternatives provide GDPR-compliant hosting?

WL Crypto Payments, CryptoProcessing by CoinsPaid, BVNK, Fipto and Inqud store data in the EU, which aligns with GDPR requirements. CoinGate and Salamantex do not confirm EU hosting.

Can I migrate my data from BitPay to a European provider?

BitPay allows data export in CSV, JSON, IIF and via API. Check the import options of the European tool you shortlist, as no direct migration path from BitPay is currently evidenced.

Which European tool fully replaces BitPay for payment processing and settlements?

WL Crypto Payments, CryptoProcessing by CoinsPaid, CoinGate, BVNK, Salamantex, Fipto and Inqud all cover payment processing and settlements. WL Crypto Payments and CryptoProcessing by CoinsPaid also handle invoicing and billing.

Where does BitPay store its data?

BitPay’s data residency in the EU is not established. The company is headquartered in the US.

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