Crypto payment gateway comparison
MakePay vs CoinPal: fees, plugins and merchant fit
MakePay focuses on branded payment links, embedded checkout, subscriptions, deposits, and direct self-custody settlement. CoinPal publicly positions around merchant crypto payments, Binance Pay continuity, broad wallet and crypto support, e-commerce plugins, API integrations, and libraries.
Reviewed July 28, 202611 min readIndependently researched
CoinPal competes on accessibility: it advertises Binance Pay continuity, more than 170 compatible wallets, more than 50 cryptocurrencies, and named integrations for common ecommerce platforms. Its public fee example credits proceeds to a merchant account balance after deducting 1%.
MakePay takes a different route. It supports 70+ payment assets but puts more emphasis on the collection model—links, embedded checkout, subscriptions, deposits, API payments, and webhooks—with confirmed proceeds directed toward a merchant-controlled wallet. The decision depends on which exact wallets and plugins customers need, not the largest aggregate count.
Quick verdict
MakePay is the stronger fit for a focused checkout with subscriptions, deposits, webhooks, direct merchant-wallet settlement, and a customer-paid fee by default. CoinPal is stronger when Binance Pay continuity, its advertised wallet coverage, or one of its named ecommerce plugins is the deciding requirement.
At a glance
MakePay vs CoinPal, side by side
CoinPal's wallet and plugin reach should be tested against the actual payer mix; MakePay's advantage appears in checkout depth and the settlement boundary.
| Category | MakePay | CoinPal |
|---|---|---|
| Default merchant-side checkout cost | 0% when customers cover the MakePay checkout fee | CoinPal states that it charges a 1% transaction fee on merchant sales, with no monthly or annual fees. |
| Customer-paid fee mode | 0.5%** shown at checkout by default | CoinPal deducts the merchant sales fee from the merchant balance rather than positioning a customer-paid checkout fee by default. |
| Monthly platform fee | $0/mo for core checkout | No monthly or annual fee |
| Settlement posture | Direct merchant wallet settlement positioning | CoinPal positions around merchant accounts, account balances, and settlement for supported cryptocurrency payment flows. |
| Fast launch path | Payment links, hosted checkout, embeds, deposits, and subscriptions | Shopify, Shopyy, Wix, WooCommerce, Zen Cart, Magento, OpenCart, PrestaShop, API, and SDK paths. |
| Where each is strongest | A focused checkout and settlement story with MakePay links, embeds, subscriptions, deposits, and webhooks. | Broad wallet coverage, e-commerce platform integrations, Binance Pay continuity, and fast merchant onboarding. |
** MakePay payment gateway routes connect to liquidity providers and decentralized exchanges. Network fees, exchange fees, or swap fees may apply for currency conversions.
Fees compared
A balance deduction versus a customer-visible fee
CoinPal says it deducts 1% from merchant sales and charges no monthly or annual fee. MakePay charges 0.5% per completed payment and exposes it to the customer by default, while route-specific conversion and network costs still require separate modeling.
Illustrative cost at the published comparison rate on $50,000 monthly volume: about $500 for CoinPal, before fixed or route-specific charges.
- MakePay merchant-side fee
- 0% when the customer covers the checkout fee
- MakePay customer-paid fee
- 0.5%** shown transparently at checkout by default
- CoinPal published fee
- CoinPal states that it charges a 1% transaction fee on merchant sales, with no monthly or annual fees.
- Monthly platform fee
- MakePay: $0/mo · CoinPal: No monthly or annual fee
Competitor pricing and availability can vary by geography, risk profile, product type, monthly volume, currency, network, and negotiated plan. Review the linked sources before making a production decision.
Detailed analysis
Wallet reach, plugin fit, and where proceeds land
This comparison is decided by concrete compatibility. Verify the exact payer wallets, ecommerce version, webhook states, merchant-balance withdrawal, and settlement assets rather than relying on top-line wallet counts.
01 · Fees and account cost
MakePay publishes 0.5%; CoinPal publishes 1%.
MakePay charges 0.5% per completed payment. Customers cover the fee by default, so the merchant-side MakePay fee is 0%, or the merchant can choose to absorb it. Route-specific network, exchange, liquidity-provider, or swap costs may still apply.
CoinPal's fee FAQ says it deducts 1% from merchant sales and charges no monthly or annual fee. Its own example credits 99 USDT to the merchant balance after a 100 USDT transaction. Ask how withdrawals, conversion, and the intended settlement route affect the final amount before comparing only the headline rates.
- MakePay: 0.5% completed-payment fee, customer-paid by default.
- CoinPal: 1% deducted from merchant sales, no monthly or annual fee.
- Confirm balance withdrawal and conversion details for your CoinPal route.
Sources: CoinPal fee FAQ
02 · Settlement and balances
The key distinction is direct settlement versus a merchant balance.
MakePay is positioned around routing confirmed payment proceeds toward the settlement wallet controlled by the merchant. That keeps the product boundary at checkout, payment status, routing, and reconciliation rather than retaining funds in a MakePay account balance.
CoinPal describes deducting its transaction fee and crediting the remainder to a merchant account balance. Merchants evaluating CoinPal should verify withdrawal timing, supported settlement assets, conversion behavior, account controls, and any country or industry requirements directly with CoinPal.
- MakePay favors direct merchant-wallet settlement.
- CoinPal uses a merchant account and balance model in its public fee example.
Sources: CoinPal home, CoinPal fee FAQ
03 · Wallets and checkout
CoinPal emphasizes wallet reach; MakePay emphasizes checkout depth.
CoinPal advertises support for more than 170 wallets and more than 50 cryptocurrencies, along with Binance Pay continuity. Its public pages present a short onboarding path for merchants that value exchange-wallet recognition and broad payer wallet compatibility.
MakePay supports 70+ payment assets and extends the same checkout model across payment links, embeds, subscriptions, deposits, API creation, and webhooks. Raw wallet counts do not predict conversion on their own; test the exact payer wallets, networks, expiration behavior, underpayment handling, mobile handoff, and settlement route used by your customers.
- CoinPal emphasizes named wallet and Binance Pay compatibility.
- MakePay emphasizes multiple collection models around one checkout.
Sources: CoinPal home
04 · Plugins and developer path
Platform coverage should be verified integration by integration.
CoinPal lists Shopify, Shopyy, Wix, WooCommerce, Zen Cart, Magento, OpenCart, and PrestaShop paths, plus API and SDK options. This is a meaningful advantage when a maintained CoinPal connector matches the merchant's exact ecommerce stack.
MakePay offers hosted links as a platform-neutral fallback, commerce integrations, embedded checkout, API-created payments, and webhooks. Before migrating, compare plugin version support, order-state mapping, refunds, webhook retries, test mode, checkout branding, support ownership, and how each integration handles expired or partial payments.
- CoinPal lists a broad set of named ecommerce connectors.
- MakePay provides a hosted-link fallback plus embed and API paths.
Migration plan
Prove compatibility before replacing CoinPal
A small pilot should cover the wallets, exchange apps, and plugin states that made CoinPal attractive in the first place.
- 01
Sample the real payer-wallet mix
Identify Binance Pay usage, mobile wallets, preferred networks, and the assets that account for meaningful customer volume.
- 02
Test the matching MakePay checkout
Route one store or invoice category through a hosted or embedded flow and record wallet handoff, expiry, partial payment, and completion.
- 03
Compare settlement and plugin operations
Reconcile direct wallet receipts against the previous CoinPal merchant balance and verify order states before expanding the rollout.
Merchant fit
Choose from tested compatibility, not catalog size
Choose MakePay when
- You want hosted payment links and embedded checkout tied to direct merchant wallet settlement.
- You want subscriptions, deposits, payment status, and webhooks inside a focused MakePay checkout workflow.
- You want merchant-friendly pages for payment links, integrations, pricing, and developer implementation.
Choose CoinPal when
- You specifically need CoinPal e-commerce plugins or SaaS platform integrations.
- You want to evaluate CoinPal wallet, cryptocurrency, Binance Pay, API, or library coverage.
- You already operate through CoinPal merchant credentials and plugin setup steps.
Methodology
How this comparison was researched
CoinPal's wallet counts, Binance Pay positioning, integration list, account-balance example, and fee FAQ are taken from its public site and documentation. The guide avoids assuming that every named connector supports the same versions or operational states.
- MakePay focus
- Payment links, hosted checkout, embedded checkout, subscriptions, deposits, webhooks, and direct wallet settlement.
- CoinPal public positioning
- Merchant crypto payments with Binance Pay continuity, wallet and cryptocurrency coverage, e-commerce platform plugins, API integrations, and libraries.
- Integration decision
- Compare plugin requirements, checkout UX, supported wallets and cryptocurrencies, onboarding, settlement, and operational support against official sources.
Official sources
Product terms can change. Verify the linked sources before making a production decision. MakePay is not affiliated with CoinPal.
Frequently asked questions
Questions about CoinPal wallet and plugin coverage
Is MakePay a good CoinPal alternative?
Yes, when the business wants direct wallet settlement, subscriptions, deposits, webhooks, or a customer-paid fee by default. CoinPal may be better when its Binance Pay continuity or a listed ecommerce plugin is essential.
Which is cheaper, MakePay or CoinPal?
MakePay charges 0.5% per completed payment and customers cover it by default. CoinPal says it deducts 1% from merchant sales and has no monthly or annual fee. Confirm other route, withdrawal, network, or conversion costs for the intended setup.
Does CoinPal support more wallets than MakePay?
CoinPal advertises more than 170 supported wallets. MakePay emphasizes 70+ payment assets and a consistent hosted or embedded checkout. Test the specific wallets and networks your customers use rather than choosing from an aggregate count.
Which provider has better ecommerce plugins?
CoinPal lists Shopify, Wix, WooCommerce, Magento, OpenCart, PrestaShop, Zen Cart, and Shopyy paths. MakePay also provides commerce integration options and hosted links. Verify maintenance, platform version, webhooks, refunds, and test support for the exact connector.
Can I migrate from CoinPal gradually?
Yes. Begin with a MakePay hosted link for one store, product, or invoice type. Map order and payment states, verify settlement and refunds, then replace or supplement the CoinPal integration after successful reconciliation.
Should merchants choose based only on wallet or crypto count?
No. Merchants should also compare checkout UX, plugin requirements, settlement workflow, support, and internal operations.
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