BitPay: обзор

The oldest provider here, priced accordingly#

Operating since 2011 makes this the longest continuous track record in the index by several years, and in a category where providers appear and vanish that is worth something real. It is also the most expensive entry tier here, at 2% plus a fixed amount below half a million monthly.

On a hundred thousand a month the difference against a flat 1% competitor runs to around a thousand dollars every month. That is a hiring decision rather than a rounding error, and it should be weighed against what the premium actually buys rather than dismissed or accepted automatically.

What the premium buys#

Daily fiat settlement into a bank account across seven named currencies, published as a standard term rather than an enterprise upgrade. For a business that wants money in a bank rather than value on a chain, that is the product, and several competitors here cannot offer it at all.

Legibility is the second thing. Full business verification and director identity checks are documented, which is more than most cards in this index manage, and a counterparty whose process you can describe is easier to put in front of a board than one whose process is undocumented.

The sentence on the pricing page worth reading twice#

Higher fees apply to high-risk industries, and the rate is not named. For a business anywhere near that boundary, the practical consequence is that the relationship cannot be priced from public information at all, and the published tiers describe somebody else's cost.

That is not unusual in the category and it is unusual to state it openly. Treat it as an instruction to get your own quote in writing before doing any integration work. The high risk page covers how that conversation tends to go with US-domiciled providers.

Who should pay it#

Businesses that need conventional fiat rails, a counterparty with history, and documented compliance, and whose volume is high enough that the tiering brings the rate down. Above a million monthly the published rate reaches 1%, at which point the comparison changes entirely.

Businesses settling in crypto anyway are paying roughly double for rails they will not use. The catalogue has cheaper options for that case, and the choice is genuinely straightforward once you know which side of it you are on.

How this card scores where it does#

Cost carries the lowest fee score in the index because the published entry rate is the highest, and the method scores the published figure rather than the negotiated one. Onboarding also scores low, on documented full verification.

Both of those are the correct reading of the published facts and both understate the provider for a business that wants exactly what it sells. A merchant who values documented compliance and daily bank settlement should reweight onboarding downward and read the total again.

What the volume tiers actually mean#

The rate falls at half a million and again at a million in monthly volume, and the published tiers make that path visible in a way most competitors do not. A business approaching either threshold can plan around it rather than discovering it.

It also means comparisons drawn at low volume expire. A merchant projecting past a million monthly should compare the 1% tier against the flat-rate competitors, at which point the settlement rails stop costing a premium at all.

The threshold that changes everything#

Half a million in monthly volume, where the published rate drops, and a million where it drops again. Comparisons drawn below the first threshold expire once you cross it.

Plan the comparison against where your volume will be in a year rather than where it is today.

Where BitPay sits in the index#

The short version of this card: documented compliance and daily bank settlement, at the highest entry rate here. Every figure above was read off the provider's own pages on 2026-08-31, and the fields it declines to publish are recorded as such rather than left blank.

Two criteria hold this card down and both are correct readings of published facts: the entry rate and the documented verification. If you want exactly what those buy, lower their weights on the methodology page and the position changes substantially.