How PayCrypt is Different from BitPay
Understand how PayCrypt provides a modern, flexible crypto payment experience compared to BitPay.
PayCrypt vs BitPay
Why Choose PayCrypt Over BitPay?
| Feature | PayCrypt | BitPay |
|---|---|---|
| Multi-Blockchain Support | ETH, BTC, SOL, USDT, USDC, | BTC, ETH, BCH, LTC, DOGE, USDC, GUSD, BNB, and stablecoins on supported chains |
| No KYC (up to $1,000/day) | Available — fast onboarding for small transactions | KYC required for all merchant accounts |
| Unified Payment Solution (Crypto + Fiat) | Crypto payments + fiat support via Stripe card integration | Crypto-only payments (no direct fiat processing) |
| Payouts & Settlement | Aggregated payouts every 3 days directly to the merchant’s wallet | Daily bank settlements or crypto payouts via BitPay system |
| Refund & Reconciliation System | Automated refund engine with network issue handling and payment reconciliation | Supports refunds, but mostly manual or limited automation |
| Webhooks & Event Handling | Full webhook support with Zapier integration | Webhooks available |
| Payment Links / No-Code Checkout | One-time, expiring, subscription-ready smart payment links | Invoice generation and QR-based payments (no advanced smart link features) |
| Recurring Payments / Subscriptions | Supported via payment link logic and API | Not natively supported (no recurring billing engine) |
| Test Mode / Sandbox Environment | Available — easy testing with faucet-supported testnet payments | Limited sandbox features |
| Developer Experience | REST API with JWT and API Key authentication, modern developer tools | API available but uses legacy models with fewer automation features |
Summary
BitPay is suited for merchants looking for basic crypto invoicing and direct settlements. However, PayCrypt delivers a more flexible, developer-friendly solution designed for modern business needs, including:
- Easy onboarding with no KYC required for low-volume transactions
- Support for both fiat and crypto payments through one API
- Automated refunds, reconciliation, and payout handling
- Advanced features like recurring billing, smart payment links, and Zapier automation
- Modern API design with full webhook and integration support
PayCrypt is built for scale, flexibility, and simplicity — empowering businesses to accept crypto payments without the usual friction.