Best Speend alternatives in 2026

The payer experience is what you would lose#

The customer opens no account and faces no identity check, which addresses the single largest cause of abandoned crypto checkouts. None of the three alternatives publishes an equivalent claim.

If your reason for accepting crypto is customers who will not use conventional rails, that property is the product. Measure your completion rate before and after any migration, because it is the number most likely to move.

Unpublished conversion is the reason to look#

The 0.5% headline covers same-currency settlement only, and the converting rate has to be requested. For a business pricing in bank currency that is the missing half of the cost.

Two of the three alternatives close that gap. CoinGate publishes a 1% exchange fee explicitly and B2BINPAY publishes a full tiered table including bank rails.

The feature surface cannot be checked before contact#

Fiat settlement, mass payouts and point of sale are all absent from the public pages. That is not the same as absent from the product, and a merchant needing any of the three has to ask.

It is also a planning problem rather than a quality problem. The methodology page covers why this index records such gaps rather than filling them from inference.

Where each replacement is stronger#

CoinGate publishes every fee line and settles euro free over SEPA, at the cost of a much shorter asset list — around ten against three hundred here.

Cryptomus is the closest on coverage at around 120 published assets, and adds maintained plugins for seven named platforms against two here.

B2BINPAY is the enterprise answer: a full tiered fee table with SEPA and SWIFT priced openly, and a five thousand minimum on bank transfers that excludes smaller merchants.

High-risk coverage narrows the field#

This provider names igaming, forex and high-risk among the verticals it serves. Of the alternatives, Cryptomus accepts igaming and the others are aimed at conventional commerce.

If your vertical is the reason you are here, confirm acceptance in writing before scoping any work. A migration that ends in a declined application costs the engineering time twice.

Recurring billing is on this card and not on the others#

Subscriptions are documented here and are not documented at B2BINPAY or, in the same form, elsewhere on this page. A subscription business should treat that as a filter.

Migrating recurring authorisations is also the most expensive part of any gateway switch, because customers have to act and some will not. Stage it over a cycle rather than a weekend.

What to ask before moving#

The conversion spread here, as a number, before you conclude the alternatives are cheaper. The figure circulating for automatic conversion comes from secondary reporting rather than the provider, and this index will not print it as fact.

Then ask the same question of each alternative. The fees guide covers putting three quotes into the same units, which is the only comparison that means anything.

Three hundred assets at a published rate#

That combination is unusual: most providers with broad coverage either publish nothing about price or price above this. A published 0.5% across a list of that size is the reason this card scores where it does.

Of the alternatives, only Cryptomus approaches the coverage, at around 120, and CoinGate is an order of magnitude narrower at roughly ten. Count your own asset tail before deciding that matters.

Network cost passed through at cost#

Stated explicitly rather than left ambiguous, which several competitors do not do either way. For a business taking many small payments, a marked-up network fee changes the effective rate more than the headline difference between providers.

Ask each alternative whether it passes through, absorbs, or marks up, and whether the fee defaults to the payer. Those answers are rarely on a pricing page and they belong in the comparison.

Measure the checkout before and after#

The payer-side friction this provider removes is the hardest thing on the page to replace and the easiest to lose without noticing, because abandoned checkouts file no complaints. Record your completion rate now so the comparison is possible later.

What the table above cannot show you#

The conversion spread, unpublished here and at two of the three alternatives, or whether fiat settlement and mass payouts exist at all. Four feature fields are absent from the pages rather than necessarily from the product.

Nor what your checkout completion rate does when the payer suddenly has to open an account. That is the property this card is built around and the one no table measures.

Ask about the payer experience explicitly#

None of the alternatives publishes anything about whether the customer must open an account or pass a check. That silence is not a no, and it is worth one question, because it is the property you are most likely to lose without noticing.