tech from europe
vsBitPay

Fipto vs BitPay

Last updated October 2026

Looking for a European alternative to BitPay? Here's how Fipto compares, on EU hosting, GDPR and what it does.

Our pick for a European buyer: Fipto. We weight data residency, GDPR and EU jurisdiction above everything else — that is the constraint this directory exists to solve.

Fipto
BitPay
What it is
Enterprise stablecoin and fiat payment rails with dual French regulation
Accepts cryptocurrency payments and enables payouts for businesses.
Headquarters
🇫🇷 FR
🇺🇸 US · 2011
EU data residency
Yes, for all customers
not established
DSGVO / GDPR
Yes
Yes
Certifications
ISO/IEC 27001:2022
SOC 3
Price from
No
$0.25
Free plan
No
No
Open Source
No
No
Ratings
No
G2 4/5 (21) · CAPTERRA 4.4/5 (17)
Integrations
Kyriba, Circle Payments Network (CPN), Utila, Circle (USDC, EURC), Société Générale – FORGE (EURCV) +3
Shopify, WooCommerce, Magento 1, Magento 2, WHMCS +8

Where each one wins

Fipto

Strengths

  • +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
  • +Fully regulated environment (dual-licensed Payment Institution and MiCA CASP in France)
  • +Responsive customer support with dedicated account managers for step-by-step guidance

Limitations

  • −Technical integration challenges with legacy systems via API and blockchain rails
  • −Limited public review footprint and reliance on custom enterprise pricing

BitPay

Strengths

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

Limitations

  • −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

Data residency & compliance

Fipto
BitPay
EU data residency
Yes, for all customers
not established
Transfer mechanism
Not required — data stays in the EU
not established
DPA
not established
not established
Sub-processors
not established
not established
Certifications
ISO/IEC 27001:2022
SOC 3

Pricing

Fipto

No published pricing we could verify.

Custom enterprise pricing: one-time setup fee, monthly platform fee, and variable transaction/conversion costs (bps or VWAP margins). Contact sales for quotes.

BitPay

  • Under $500,000 monthly volume 2% + $0.25 Per transactionBilled per transaction · Higher fees for high-risk industries
  • $500,000–$999,999 monthly volume 1.5% + $0.25 Per transactionBilled per transaction · Volume-based discount
  • $1,000,000+ monthly volume 1% + $0.25 Per transactionBilled per transaction · Lowest fee tier

Fees adjust based on cumulative monthly transaction volume. Higher rates may apply to high-risk industries.

Features

Fipto

Global Payouts & Transfers
Single, recurring, or batch payouts to third parties, Support for SEPA, SWIFT, and major blockchain networks, 24/7/365 near-instant settlement
Collections & Payment Acceptance
Hosted payment links for invoices, Programmatic collection APIs for stablecoins (USDC, EURC, EURCV), Automatic instant conversion and settlement into EUR or USD, Under/overpayment detection and reconciliation reporting
Multi-Currency Accounts & Treasury
Dedicated, named EUR and USD IBANs, Digital/stablecoin wallets, Real-time balance tracking, Multi-signature transaction approval controls
Currency Conversion & Liquidity
Automated in-app and API-driven eOTC conversions (VWAP smart order routing), High-touch OTC desk for large-volume trades, synthetic pairs, or exotic corridors, Custom quoted rates
Workflow Automation
Rule-based trigger workflows, Automation of recurrent treasury operations and payment routing

BitPay

Payment Processing
Hosted checkout pages, Embedded payment buttons, E-commerce plugins (Shopify, WooCommerce, Magento, etc.), REST API for custom integrations
Invoicing & Billing
Crypto invoices with locked exchange rates, 15-minute invoice expiration, Automated billing workflows
Settlements & Payouts
Automatic business-day settlements, Bank deposit or cryptocurrency payouts, Global contractor and supplier payouts
Compliance & Security
Business verification for merchants, BitPay ID checks for individuals, SOC 3 compliance
See Fipto →More BitPay alternatives