Seven ways to accept crypto, side by side. Every figure is read from the provider’s own published page rather than from a review, and each row shows when it was last checked.
Unheld takes no share of the payment and asks you to run nothing. You pay a flat subscription, and the money arrives on an address only you control.
| What you are comparing | Who holds the money | Share of payment value | Business verification | Payout to a bank in fiat | Checked |
|---|---|---|---|---|---|
| Unheld | You — funds land on your address | 0% | Not required | No | |
| BTCPay Server | You — on infrastructure you run | 0% | Not required | No | |
| NOWPayments | You — funds land on your address | 0.5%–1% | Sometimes required | Yes | |
| DePay | You — funds land on your address | 1.5% | Not stated publicly | No | |
| Coinbase Commerce | The provider, until settlement | 1% | Required | Yes | |
| CoinGate | The provider, until settlement | 1% | Required | Yes | |
| BitPay | The provider, until settlement | 1%–2% + $0.25 | Required | Yes | |
| a wallet address | You — with no software in between | 0% | Not required | No |
Providers change pricing without notice. Open a comparison to see the source link and the date behind every figure.
3 of the 7 take custody of the payment before you ever see it, receiving the funds and settling to you later. Unheld never does — the payment lands on an address only you control, so there is no settlement to wait for and no balance anyone can freeze.
Several take 0%, and each of those asks for something else instead — a server you run and maintain, or giving up invoicing and payment attribution altogether. Unheld takes 0% of payment value and charges a flat monthly subscription on transaction count, so your cost does not grow with your order values.
3 of the 7 require business verification before you can take a payment, and that requirement follows directly from custody — a provider holding your money has to know whose money it is. Unheld holds none of it and asks for none.
Who holds the funds, what share of each payment is taken, and what you must prove before you can start. Every figure in the table above is read from the provider's own published pricing, with the date it was checked, because a comparison worth trusting is one you can verify at the source.