Cripay vs Cryptomus
Facts from public documentation, reviewed on October 27, 2026. Both are capable products; here is where they differ.
| Cryptomus | Cripay | |
|---|---|---|
| Service fee | 2% default tier on payments (lower tiers on volume) | 0.5% |
| Network fees | Payer's transfer, then payout fees from the business wallet | One: the payer's own transfer. Settlement is direct. |
| KYC / verification | AML screening can lock a deposit until the payer verifies; payouts need 2FA and a separate key | No KYC: email or wallet signup |
| Custody | Custodial business wallet, then payout | Non-custodial by default: settles straight to your wallet |
| Minimum amount | Per currency (USDT TRC-20 min 1.00) | No minimum for stablecoins on cheap networks |
| Partial payments | `accuracy_payment_percent` 0–5% tolerance; remaining amount on the hosted page | Configurable tolerance plus top-ups to the same address |
| API & webhooks | REST + webhooks with an MD5-based `sign` field inside the body, no signature header | REST + HMAC-SHA256 signed webhooks with timestamps and retries |
| Checkout & embeds | Hosted page, plugins, static wallets | Hosted checkout, embed.js, React component, payment links |
| Self-hosting | No | Yes: open source, run it yourself |
Competitor information comes from their public documentation and pricing pages on the date above and may change. Trademarks belong to their owners.
Switching from Cryptomus
- 1Create your Cripay account with your email or wallet (two minutes, no KYC).
- 2Add your payout wallets and pick the networks you accept. Payments settle straight to them.
- 3Replace the integration: payment links need no code; the API takes an afternoon with the TypeScript SDK and signed webhooks.
Frequently asked questions
Is Cripay cheaper than Cryptomus?
Cripay charges 0.5% per confirmed payment with no monthly fee and no verification tiers. See the fee row above for what Cryptomus publishes.
Can I migrate existing customers?
Yes. Payment links and the hosted checkout work for any customer with a wallet or an exchange account; nothing on their side changes.
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