This comparison is published by GramPayBot. It covers different payment models rather than ranking every service by one fee. Public sources were checked on 11 November 2026; an accessible website or API document does not establish merchant eligibility in a particular country.
Start with the money path
| Service | Practical distinction | Best reason to shortlist | Published processing price |
|---|---|---|---|
| GramPayBot | USDT/USDC payments go directly to your configured wallet; fixed processing charge | You already manage a wallet and need payment links or website payment confirmation | $0.10/payment; 30-day packages from $39/500 |
| Wallet Pay | Merchant product distinct from the consumer Wallet; current onboarding needs confirmation | Your customers use Wallet and merchant access is confirmed | Current price unconfirmed |
| Crypto Pay by @CryptoBot | API invoices and an application balance inside the Crypto Bot system | Your customers and payout recipients already use Crypto Bot | 3%–2.5%, based on trailing 30-day turnover |
| NOWPayments | Broad gateway with integration and settlement options | You need more assets, existing store integrations or conversion options | 1% same asset; 1.5% conversion or fixed rate; discounts conditional |
| Cryptomus | Gateway with wallet operations, conversion and withdrawals | You want payment collection and treasury tools in one account | 2% for new users; negotiated down to 0.4% |
Processing prices exclude blockchain, withdrawal and conversion-related costs unless explicitly included in a provider quote. Detailed sources and conditions follow below.
The shortlist suggestions are our assessment. They do not replace provider approval or testing of the exact asset, network and settlement route.
GramPayBot: direct stablecoin settlement
To register, open @GramPayBot, press Start and choose a language. The current registration flow creates an account from your Telegram identity; it does not request a bank card, email/password or identity documents. Dashboard access uses a personal link from the bot. This describes the current product flow, rather than a promise about future policy or external wallet providers. See getting started.
GramPayBot provides invoice-specific hosted checkout, on-chain tracking, API status lookup and signed webhooks. Funds arrive at the merchant address, so there is no GramPayBot customer-funds balance to withdraw. The merchant remains responsible for wallet access, refunds and any later conversion. Supported assets are USDT and USDC; check the exact token/network pair in the route directory rather than assuming every stablecoin network is available.
Current pricing is $0.10 per successfully confirmed payment, with no monthly fee and no charge for unpaid invoices. New accounts receive $5 processing credit. Pay-as-you-go credit does not expire. The 30-day packages cost $39 for 500 payments, $69 for 1,000, or $119 for 2,000; their lowest unit prices require full use before expiry. Network fees remain separate.
Choose it when direct receipt of stablecoins and order reconciliation are the job. If you require BTC acceptance, automatic fiat settlement or a provider-managed treasury balance, those requirements call for another product or additional infrastructure. Direct settlement also requires an operational wallet and a tested refund procedure.
Wallet Pay: verify merchant access first
Wallet Pay is the merchant payment product, not the consumer Wallet application. Its merchant agreement describes merchant registration, a merchant balance and withdrawal to the merchant’s Wallet account. That is a different money path from receipt directly into an arbitrary merchant blockchain address.
During this review the merchant portal returned a JavaScript shell titled “Walt Merchant”; the consumer help address redirected to Walt help. These observations do not establish whether new Wallet Pay merchants can onboard, which jurisdictions are eligible, or what fee applies today. We therefore publish no current Wallet Pay price and make no claim that it is either universally available or discontinued.
Shortlist it only after support confirms merchant access, checkout assets, settlement and contractual pricing for your business. Consumer wallet availability alone is insufficient evidence. An old Wallet Pay announcement or historical API guide should not be treated as a current offer.
Crypto Pay by @CryptoBot: an ecosystem balance
The official Crypto Pay API reference documents invoices, webhooks, application balances and transfers to Crypto Bot users. This suits a customer base already using that ecosystem. It is distinct from Wallet Pay and from unrelated services with similar names.
The official fee schedule lists 3%, decreasing by application turnover over the previous 30 days to 2.5% at $100,000. Treat deposit, withdrawal and conversion costs separately. Confirm current account restrictions and the customer’s actual payment flow before committing.
The Crypto Pay Policy, section 4.4 explicitly allows KYC requests for the merchant and/or its users. Do not assume that opening an application without documents guarantees ongoing use without verification.
Choose it when existing Crypto Bot balances and user payouts reduce customer friction. If the requirement is that every payment land directly at your own external wallet, first account for the additional balance and withdrawal workflow.
NOWPayments: a wider integration shortlist
The pricing page shows 1%. The more detailed official fee guide, updated 14 October 2026, specifies 1% for same-asset payments, 1.5% with conversion, and 1.5% when fixed rate or fee-paid-by-user is enabled. It describes conditional KYC/KYB discounts reducing the same-asset base fee to 0.5%. Its default flow also includes network charges beyond processing. The general FAQ has a different fixed-rate figure, so confirm that option in your account or quote. The product directory includes APIs, plugins, custody and off-ramp options.
Request the full cost for your specific flow, including conversion, network movements, minimums and any custody or payout configuration. A direct-wallet option and a custody option should be evaluated separately. Availability of a fiat-related product on the website does not establish eligibility for your country or business.
Choose it when asset coverage, a compatible store plugin or settlement flexibility saves meaningful integration work. Test the full pay-in-to-settlement route rather than comparing checkout screens alone.
Cryptomus: collection plus wallet operations
The gateway fee page states 2% for new users, negotiable down to 0.4%, and advertises auto-conversion and automatic/API withdrawals. The floor is not a guaranteed starting rate. Withdrawal costs and limits need a separate check for the chosen asset and network.
Choose it when conversion and wallet operations are useful parts of the workflow. Confirm merchant approval, account access requirements and the funds path before integration. Businesses that only need payment detection should weigh whether these account operations justify their additional dependencies.
Compare costs on the same order book
For 100 confirmed payments of $100 each, GramPayBot pay-as-you-go processing is $10. A 1% fee is $100; 2% is $200; 3% is $300. These are arithmetic illustrations using published headline rates, not all-in quotes or evidence that the services deliver identical settlement.
For a $5 order, $0.10 equals 2%; fixed pricing is not automatically cheaper for small purchases. Compare processing, conversion, network costs, withdrawals, unused packages and internal wallet work. Include refunds and failed-payment support in the operational budget.
Before choosing
Confirm merchant eligibility and required verification with each provider for your country and business category. Then run a small real payment, an unpaid invoice, a late or partial payment and a refund. Verify that the backend checks payment status, authenticates callbacks and handles duplicate events before granting an order.
Select GramPayBot for direct USDT/USDC receipt and invoice matching; Crypto Pay for an established Crypto Bot audience; NOWPayments for broader integration or settlement needs; Cryptomus for combined collection and wallet operations. Keep Wallet Pay conditional on confirmed merchant access and current terms. There is no universal winner independent of the customer base and the destination of funds.