The BitPay alternative that also accepts cards.
Most of your customers do not hold crypto. PayLio takes direct crypto and card payments with Apple Pay and Google Pay in one checkout, and pays you in USDC.
- No merchant KYC
- No rolling reserve
- No chargebacks to you
- USDC payouts
0%
Rolling reserve
0
Chargebacks to you
$0
Setup & withdrawal fees
15+
Card providers
Why merchants leave BitPay
Why merchants look beyond BitPay
BitPay is an established crypto processor. Merchants who want card customers, simpler onboarding or high-risk support often need more.
Crypto-only checkout
BitPay's merchant checkout takes crypto. Customers without a wallet need another way to pay, and many drop off.
Business verification
BitPay asks for registration documents, a tax ID, owner IDs and a business bank account before you can settle.
Higher fees for high-risk
BitPay's pricing page states that higher fees apply to high-risk industries, on top of its standard 2% plus 25 cents.
Compare
BitPay vs. PayLio
How BitPay and PayLio differ on the points that matter most to high-risk and crypto-friendly businesses.
| Topic | BitPay | PayLio |
|---|---|---|
| Payment methods | Crypto payments | Direct crypto on 15 networks, plus cards, Apple Pay and Google Pay |
| Fees | 2% + 25¢ below $500k/month; higher fees for high-risk industries | 1.5% for direct crypto; 8% or 5% + $59/month for cards |
| Onboarding | Business verification: registration, tax ID, owner IDs, bank account | No merchant KYC |
| Settlement | Fiat to your bank or crypto, settled daily on business days | Card payments as USDC on Polygon; direct crypto in the same coin, to your own wallet |
BitPay details are taken from BitPay's own published pages, checked on November 3, 2026. Terms change; see the sources below.
Honest fit
Which one is right for you?
BitPay is a strong product for many businesses. PayLio is built for the ones it does not serve well.
Stay with BitPay if…
- You want crypto payments settled as fiat to your bank account.
- Your volume qualifies for BitPay's lower tiers.
- Your business is already verified with BitPay and runs smoothly.
Choose PayLio if…
- You also want to accept customers who pay by card, Apple Pay or Google Pay.
- You would rather not go through business verification.
- You run a legal high-risk business and want one simple fee schedule.
- You want payouts to your own wallet without PayLio holding a balance.
Switching
Move from BitPay in an afternoon
No application to wait for. Keep your current setup running while you test PayLio side by side.
- 1
Create a free account
Sign up in minutes and add your wallet address. No merchant KYC.
- 2
Turn on crypto and cards
Use payment links, the hosted checkout or API, or a free plugin for WooCommerce, WHMCS and six more platforms.
- 3
Go live
Customers pick crypto or card. Every payment lands in your wallet, without a payout schedule.
What is a good BitPay alternative?
If you want to accept customers who do not hold crypto, choose a gateway that also takes cards. PayLio accepts direct crypto in USDT, USDC, BTC, ETH, SOL and more on 15 networks, plus card payments with Apple Pay and Google Pay, all paid out to your own wallet.
Does BitPay accept credit cards?
BitPay's merchant checkout takes crypto payments. With PayLio, customers who do not hold crypto can pay by card, Apple Pay or Google Pay, and you still receive USDC.
How do the fees compare?
BitPay lists 2% plus 25 cents below $500k a month and notes higher fees for high-risk industries. PayLio charges 1.5% for direct crypto payments, and 8% on Starter or 5% plus $59 a month on Catalyst for card payments.
Do I need to verify my business?
BitPay asks for business verification, such as registration documents, a tax ID and owner IDs. PayLio does not require merchant KYC to create payment links or receive USDC.
No KYC · No rolling reserve
Try PayLio next to BitPay.
Create a free account, send your first payment link and receive the payment as USDC in your wallet. No contract, cancel anytime.