Inqud vs BitPay

Inqud

Strengths

• +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)
• +Wide multi-chain and multi-currency support (BTC, ETH, USDT, USDC, TRX, SOL, Arbitrum, Optimism, etc.)
• +Fiat-to-crypto on-ramp and off-ramp capabilities
• +Automated recurring crypto subscription billing
• +Dedicated account managers and responsive technical support
• +Stable processing, rapid transaction speeds and non-custodial settlement workflows
• +0% internal transfer fees between platform accounts and no recurring monthly fees

Limitations

• −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

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

Inqud

• Pay-as-you-go (Volume-based) 0 $/month No monthly fees, no setup costsFree sandbox environment for testing · Volume-tiered transaction fees from 1.00% down to 0.50% · High-risk merchant rates start from 1.5%

Custom quotes required for enterprise and high-risk verticals. Rates vary by volume tier and payment method.

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.

Inqud

Crypto Acquiring & Payment Gateway

Accept digital currencies with instant or near-instant settlement, Dynamic and static cryptocurrency deposit addresses, Auto-conversion to fiat (EUR) or crypto, Zero chargeback risk on confirmed blockchain payments

Checkout & Integration

Embeddable JavaScript/iFrame Crypto Widget, Hosted/redirect checkout page, Direct host-to-host REST API, White-label configurations without vendor branding

Recurring Crypto Payments

Automated subscription billing infrastructure, Non-custodial Web3 wallet connections, Recurring Payments SDK for fixed or floating fees, Support for weekly, monthly, and annual billing cycles

Fiat-to-Crypto On/Off-Ramp

Buy crypto via Visa, Mastercard, SEPA, bank wire, Non-custodial direct-to-wallet settlement, Multi-provider cascade smart routing for failed payments, Available in 150+ countries

OTC Trading & High-Volume Solutions

Dedicated OTC desk for institutional clients, Execution of large trades off public order books, Risk-adjusted rates and direct treasury integration

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