# CoinPayments alternative: blockwallets vs CoinPayments

> CoinPayments supports 40+ cryptocurrencies; blockwallets charges 1% per payment, dropping automatically to 0.5% with last month’s volume, supports fewer coins (17) and has no CoinPayments-compatible API, so switching means integrating our API, usually two pieces of code: create a payment and verify the webhook.

Data checked 2026-11-03 · HTML: https://blockwallets.io/vs/coinpayments?lang=en · 中文: https://blockwallets.io/vs/coinpayments.md

## blockwallets and CoinPayments, point by point.

| Item | blockwallets | CoinPayments |
|---|---|---|
| Fee per payment | 1% per payment, lowered automatically by last month’s volume down to 0.5% (a public tier table, nothing to negotiate); no monthly or setup fee, free withdrawals | — |
| Coins and networks | 17 coins (USDT, USDC, USD1, FDUSD, DAI, BTC, LTC, DOGE, BCH, TRX, BNB, ETH, POL, AVAX, OKB, SOL and TON) on 15 networks; USDT, USDC and other stablecoins are credited 1:1 in US dollars | 40+ cryptocurrencies |
| Where the money sits | Payments are credited in US dollars to your blockwallets balance; you request withdrawals to your own wallet whenever you like, or set them to be requested automatically (minimum $10.00; each is reviewed by a person, and a new payout address waits 24 hours before its first payout). Online servers hold only a read-only public key (xpub); the keys that move funds are used only in a signing environment isolated from the online services. Sweeps only go to fixed cold-wallet addresses; payouts to merchants are approved by a person and only go to the merchant’s registered withdrawal address | Custodial: the website states custodial wallet services are provided by PaidInSatoshi Inc., Centauri Pay LLC or their partners, with funds held in segregated custody |
| Switching cost | No CoinPayments-compatible API, so you integrate ours: `POST /v1/payment` returns a payment page link, then verify the webhook and fulfil; or start with no-code payment links | — |
| Testing | Separate test credentials on public testnets; the payment page has a “simulate payment” button, so the whole flow costs nothing | The integration guide covers a sandbox environment and test currencies |
| Webhooks | Signed webhooks (Cryptomus format), retried for about two and a half days if delivery fails | Webhooks supported |

Their figures come from their own website and official docs, linked at the bottom of the page. Prices change; their site is authoritative.

## Who each one suits.

### Pick blockwallets if

- You want a public tiered rate that drops automatically to 0.5% with volume
- You mostly take USDT and USDC and want dollar accounting with free withdrawals
- You care that the keys able to move funds never sit on an internet-facing server
- You’d rather not write code: payment links only need an amount in the dashboard

### CoinPayments suits you better if

- You need more coins: CoinPayments lists 40+, we support 17
- You don’t want to touch your CoinPayments integration: we have no compatible API
- You need a ready-made e-commerce plugin such as WooCommerce: we have none yet, so it’s the API or payment links
- You need to go live today: we are in private beta

## Switch over in five steps.

1. [Request access](https://blockwallets.io/#join); once approved, generate a merchant and API key under “Developers › Integration & keys” (one set each for test and live)
2. No code: create a payment link in the dashboard and share it or put it on your site; you can take payments from here
3. To automate: call `POST /v1/payment` (amount + your order ID) at checkout and send the customer to the returned payment page link
4. When the webhook arrives, verify its signature with your API key and fulfil by `order_id`; one `order_id` always maps to one bill, so retries never double-charge
5. Run it once on testnets with the test credentials (press “simulate payment” on the payment page), then switch to live

Endpoints and signature code in several languages: [integration docs](https://blockwallets.io/docs?lang=en).

blockwallets has compatible APIs for [Cryptomus](https://blockwallets.io/docs/cryptomus?lang=en), [NOWPayments](https://blockwallets.io/docs/nowpayments?lang=en) and [Coinbase Commerce](https://blockwallets.io/docs/coinbase-commerce?lang=en), plus a native REST API and no-code payment links: [every way to integrate](https://blockwallets.io/docs?lang=en).

## Questions

### Can blockwallets replace CoinPayments?

If you mainly take USDT, USDC and major coins, yes. We have no CoinPayments-compatible API, though: you integrate our API, or start with no-code payment links.

### How much work is switching?

An API integration is usually two pieces of code: create a payment to get a payment page link, then verify the webhook and fulfil. Our API matches Cryptomus, so examples are easy to find, including in AI coding tools.

### How do the fees compare?

blockwallets charges 1% per payment, lowered by last month’s volume to 0.9% from $50,000, 0.8% from $100,000, 0.7% from $250,000, 0.6% from $500,000 and 0.5% from $1,000,000. The same public table applies to every merchant. For CoinPayments’ current rates, see their own website.

### Which coins are supported?

USDT, USDC, USD1, FDUSD, DAI, BTC, LTC, DOGE, BCH, TRX, BNB, ETH, POL, AVAX, OKB, SOL and TON, on 15 networks: TRON, BNB Chain, Ethereum, Base, Polygon, Arbitrum, Optimism, Avalanche, X Layer, Bitcoin, Litecoin, Dogecoin, Bitcoin Cash, Solana and TON. USDT, USDC and other stablecoins count 1:1 as US dollars; other coins are converted at a rate locked for 30 minutes.

### Can I try it before deciding?

Yes. Test mode has its own credentials on public testnets, and the payment page has a “simulate payment” button. It costs nothing.

## Where the CoinPayments figures come from

- [CoinPayments coins & fees](https://www.coinpayments.net/coins-fees)
- [CoinPayments website (custody, FAQ)](https://www.coinpayments.net/)
- [CoinPayments integration guide (sandbox, webhooks)](https://docs.coinpayments.net/knowledge/integration-guide/)

Checked on 2026-11-03 against their website and official docs. Our figures are the defaults in blockwallets’ code (the published fee tiers and network list).