B2BINPAY vs BVNK

One publishes amounts, the other publishes fee names#

This is the rare pair where the pricing question resolves before anybody sends an email. B2BINPAY states incoming rates tiered by volume and asset class, outgoing crypto at no charge, SEPA withdrawal at 0.50% plus five euro and SWIFT at 0.60% plus thirty-five. Every component a finance function would ask about has a figure attached to it.

BVNK publishes a pricing policy that is careful and complete in structure and empty in substance. It names an onboarding fee, a monthly platform fee and a minimum monthly commitment, and attaches an amount to none of the three. A document that tells you which fees exist without telling you what they cost is doing something different from a tariff page, and the difference is the whole of this comparison.

Neither approach is dishonest. A provider negotiating every contract genuinely cannot post a number that survives contact with a deal. But a merchant comparing the two today can price one relationship and not the other, and that asymmetry should be named rather than smoothed over.

What the tier structure actually costs a mid-size merchant#

The 0.25% headline on the B2BINPAY card belongs to the top volume tier, above five million a month. A merchant arriving at the entry tier pays 0.40% on coins and 0.50% on stablecoins and tokens, which is roughly double and still competitive against most of this index.

That gap matters more than it looks because stablecoins carry the bulk of merchant volume in practice. A business settling mostly in USDT is looking at the 0.50% line rather than the advertised floor, and should model it that way from the start rather than discovering it on the first invoice.

The corresponding figure at BVNK does not exist publicly at any tier, so a comparison of processing cost between these two cards is a comparison between a range and a blank. Treat the blank as a question to ask rather than as evidence of a low number.

The bank rails point in opposite directions#

B2BINPAY charges for fiat withdrawal and says exactly what: 0.50% plus five euro on SEPA, 0.60% plus thirty-five on SWIFT. It also imposes a five thousand minimum on bank deposits and withdrawals, which quietly rules the fiat side out for smaller merchants entirely regardless of what the percentages say.

BVNK settles same-day into more than thirty currencies, which is the widest fiat coverage anywhere in this index, and states that network fees are absorbed rather than passed through on low-cost chains. Wallet custody and internal transfers between its own wallets are free. What none of those statements carry is a settlement fee amount.

So the choice on the banking side is between a rail you can price but cannot use below five thousand, and a rail with unmatched currency reach and unknown cost. Which of those is the worse problem depends entirely on your withdrawal size.

Eligibility decides this before pricing does#

BVNK admits businesses processing at least half a million a month with six months of trading history behind them. That is not a soft preference expressed in sales copy, it is a stated access condition, and it removes most merchants from the comparison before the first fee is discussed.

B2BINPAY publishes no equivalent threshold. Its tiers reach down to a rate that applies from the entry level, which implies a merchant below five million a month is a customer rather than a rejection. The five thousand bank minimum is the nearest thing to a floor and it applies to a transaction rather than to the relationship.

A merchant under half a million a month is therefore not really choosing between these two cards. They are choosing whether B2BINPAY suits them, and this page exists to say so plainly rather than to stage a contest that has already been decided.

Verification and what each one holds#

Both are custodial, so both hold merchant balances, and the counterparty question applies equally to each. Neither states a jurisdiction on its public pages, which for two providers positioned at the enterprise end is a more surprising gap than it would be lower down the index.

B2BINPAY requires business verification only. BVNK requires business verification plus identity checks on individuals, which alongside the trading-history requirement makes onboarding the longer of the two by a clear margin.

For a merchant with a compliance calendar, that difference is measured in weeks rather than in documents. Plan for it before committing to an integration date.

Settlement speed is stated on both cards#

B2BINPAY states crypto settlement as immediate and fiat as T+1, both published rather than described in the abstract. BVNK states same-day settlement across its currency range. Both are unusually specific for this category, where settlement timing is normally left to a sales conversation.

Where they differ is what the speed applies to. B2BINPAY moves money quickly on four networks into a narrow set of banking rails; BVNK moves it quickly into thirty-odd currencies from a shorter list of four supported assets.

A cross-border business paying suppliers in many currencies gets more from the second shape. A trading or brokerage business moving large crypto balances gets more from the first.

What to ask each of them#

To BVNK: the onboarding fee, the monthly platform fee and the minimum monthly commitment as three numbers, plus the processing rate at your volume. Until those exist, this card cannot be compared with anything on cost, and no amount of settlement coverage substitutes for them.

To B2BINPAY: the conversion spread, which is the one cost component missing from an otherwise complete table, and whether the five thousand bank minimum applies per transaction or per period. Both change the arithmetic for a merchant withdrawing frequently.

To both: what happens to a held balance in an insolvency, given that both are custodial and neither publishes a jurisdiction. That question has no good answer on either card today.

What this pair leaves open#

Asset coverage on the B2BINPAY side. It publishes no count at all, and four named networks is a floor rather than a list. A merchant needing a specific token on a specific chain has to ask, which is a strange gap on the most numerically forthcoming card in the index.

Feature surface on both. White label, recurring billing and point of sale are absent from both sets of public pages, so a merchant needing any of the three is starting a conversation rather than reading an answer.

The honest summary is that B2BINPAY is the only card here a merchant can price alone, and BVNK is the only one that settles same-day into thirty currencies. Neither of those facts wins the comparison outright, and pretending otherwise would be inventing a verdict the data does not support.