# Cryptomus alternative: blockwallets vs Cryptomus

> blockwallets uses the same API as Cryptomus (same endpoints, parameters, signature and webhook format); the difference is pricing: blockwallets publishes its rate, 1% per payment dropping automatically to 0.5% with volume, while Cryptomus charges new users 2% and negotiates lower rates. Switching from Cryptomus means changing the base URL and keys.

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

## blockwallets and Cryptomus, point by point.

| Item | blockwallets | Cryptomus |
|---|---|---|
| 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 | 2% for new users; lower rates down to 0.4% by agreement, depending on business type, monthly turnover and integration type |
| 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 | The website gives no total; the API docs’ example lists coins we don’t support, such as XMR |
| 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 | Payments go to your business wallet balance at Cryptomus; the API docs state payouts “are made only from your business wallets balances” |
| Switching cost | Replace `https://api.cryptomus.com` with `https://blockwallets.io` and use the new merchant and API key; the rest of the code stays | — |
| Testing | Separate test credentials on public testnets; the payment page has a “simulate payment” button, so the whole flow costs nothing | Test-webhook endpoints send simulated webhooks to your callback URL; the docs describe no separate testnet environment |
| Webhooks | Same signature and webhook format as Cryptomus; failed deliveries are retried for about two and a half days | `sign` = md5(base64(body) + API key) |

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 rate with nothing to negotiate: 1%, dropping automatically to 0.5% as volume grows
- You already integrate Cryptomus and want an API-compatible backup, or to move over entirely
- You mostly take USDT and USDC and want dollar accounting with withdrawals to your own wallet
- You care that the keys able to move funds never sit on an internet-facing server

### Cryptomus suits you better if

- You need coins we don’t support (we have 17; no XMR, for example)
- You rely on API payouts or conversion: our Cryptomus-compatible layer covers receiving only
- You need to go live today: we are in private beta and onboard merchants by request

## Switch over in five steps.

1. [Request access](https://blockwallets.io/#join); once approved, generate a merchant and API key under “Developers › Integration & keys” in the dashboard (one set each for test and live)
2. Replace `https://api.cryptomus.com` with `https://blockwallets.io` in your code and use the new merchant and API key
3. Add your domains under “Website domains”: `url_callback`, `url_return` and `url_success` only accept these
4. Run it once on testnets with the test credentials: create a bill, press “simulate payment” on the payment page, check that the webhook signature verifies
5. Switch to the live credentials

Compatible endpoints: `/v1/payment`, `/v1/payment/info`, `/v1/payment/list`, `/v1/payment/services`, `/v1/payment/resend`, `/v1/wallet`, `/v1/test-webhook/payment` and `/v1/test-webhook/wallet`. Bills are priced in USD, USDT or USDC only. Details in the [integration docs](https://blockwallets.io/docs/cryptomus?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 Cryptomus?

Yes. Endpoints, parameters, the `sign` signature and the webhook format match Cryptomus, so an existing Cryptomus integration works after changing the base URL and keys.

### Do I need to change code to switch from Cryptomus?

Not for receiving payments: change the base URL, merchant and API key. We don’t offer Cryptomus’s payout or conversion endpoints; if you use them, you’ll need another route for those.

### 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, with the same table for every merchant. Cryptomus lists 2% for new users and down to 0.4% by agreement (checked 2026-11-03).

### Is money safe with blockwallets?

Online servers hold only a read-only public key: they can create receiving addresses and read balances but can’t send funds. The keys that move money 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. You can request a withdrawal to your own wallet at any time, or set up automatic requests; each is reviewed by a person.

### 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 Cryptomus figures come from

- [Cryptomus fees page](https://cryptomus.com/fees/payment)
- [Cryptomus docs: webhook](https://doc.cryptomus.com/merchant-api/payments/webhook)
- [Cryptomus docs: testing webhook](https://doc.cryptomus.com/merchant-api/payments/testing-webhook)
- [Cryptomus docs: creating a payout](https://doc.cryptomus.com/merchant-api/payouts/creating-payout)
- [Cryptomus docs: list of services](https://doc.cryptomus.com/merchant-api/payments/list-of-services)

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).