Crypto payment gateway comparison
MakePay vs Cryptomus: fees, features and merchant fit
MakePay focuses on merchant payment links, embedded checkout, subscriptions, deposits, and direct wallet settlement. Cryptomus publicly positions around crypto gateway features, API/SDK integration, plugins, payment links, and merchant accounts.
Reviewed July 28, 202612 min readIndependently researched
Cryptomus combines checkout with an operating account. Its gateway sits alongside a Business Wallet, automatic and API withdrawals, conversion controls, mass payouts, plugins, and coin-level commission settings. MakePay deliberately draws a tighter boundary around collection and direct merchant-wallet settlement.
That distinction explains both products' strongest use cases. Cryptomus suits teams that want payments and downstream balance automation in one provider. MakePay suits merchants that want a transparent 0.5% checkout fee, 0% merchant-side MakePay cost when customers pay it, and fewer proceeds retained inside a gateway account.
Quick verdict
MakePay is the stronger fit for merchants who want direct wallet settlement and a 0% merchant-side MakePay fee when customers cover the 0.5% checkout fee. Cryptomus is stronger when a merchant wants its business-wallet ecosystem, mass payouts, auto-withdrawal, auto-conversion, or negotiable pricing tied to volume and integration.
At a glance
MakePay vs Cryptomus, side by side
The decisive trade-off is direct settlement and a fixed checkout fee versus a business-wallet ecosystem with negotiable pricing and payout controls.
| Category | MakePay | Cryptomus |
|---|---|---|
| Default merchant-side checkout cost | 0% when customers cover the MakePay checkout fee | Cryptomus states that new users pay 2% commission per transaction, with the possibility to contact them for commission as low as 0.4%. |
| Customer-paid fee mode | 0.5%** shown at checkout by default | Cryptomus fee reduction depends on business type, monthly turnover, integration type, and manager discussion. |
| Monthly platform fee | $0/mo for core checkout | No monthly fee listed on fee page |
| Settlement posture | Direct merchant wallet settlement positioning | Cryptomus supports merchant accounts, automatic withdrawals, API withdrawals, withdrawal conversion, and mass payouts. |
| Fast launch path | Payment links, hosted checkout, embeds, deposits, and subscriptions | Merchant accounts, API keys, SDK tools, ready-made plugins, payment links, invoice states, and mass payouts. |
| Where each is strongest | A clear 0% merchant-side default, transparent customer-paid checkout fee, and direct wallet settlement positioning. | Broad account tooling, plugins, mass payouts, auto-conversion, and negotiable high-volume pricing. |
** 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
Published certainty versus a negotiated rate
MakePay publishes 0.5% per completed payment with customer-paid mode enabled by default. Cryptomus says new users start at 2% and advertises rates as low as 0.4% after a commercial discussion based on turnover, business type, and integration.
Illustrative cost at the published comparison rate on $50,000 monthly volume: about $1,000 for Cryptomus, 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
- Cryptomus published fee
- Cryptomus states that new users pay 2% commission per transaction, with the possibility to contact them for commission as low as 0.4%.
- Monthly platform fee
- MakePay: $0/mo · Cryptomus: No monthly fee listed on fee page
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
Where should gateway responsibility end?
Cryptomus extends beyond invoice collection into balances, withdrawals, conversion, and payouts. MakePay keeps those treasury choices outside the gateway. Compare the products as operating models, not just two checkout screens.
01 · Fees and negotiated rates
MakePay publishes 0.5%; Cryptomus starts new users at 2%.
MakePay charges 0.5% per completed payment. Customers cover that fee by default, leaving the merchant-side MakePay fee at 0%, or the merchant can absorb it. Network, liquidity-provider, exchange, or swap costs may apply when a route converts between payment and settlement assets.
Cryptomus says new users pay 2% commission per transaction and advertises rates as low as 0.4% after a discussion. It says the rate depends on business type, monthly turnover, integration type, and other factors. Cryptomus also lets a merchant add discounts or additional commissions for individual coins, so compare the configured checkout rather than only the lowest advertised rate.
- MakePay: 0.5% completed-payment fee, customer-paid by default.
- Cryptomus: 2% for new users, negotiable as low as 0.4%.
- Request a written Cryptomus quote for a realistic volume comparison.
Sources: Cryptomus payment fees
02 · Wallets and settlement
MakePay routes toward the merchant wallet; Cryptomus adds a business-wallet layer.
MakePay is positioned around direct settlement toward a wallet configured and controlled by the merchant. The payment provider does not retain completed merchant proceeds in a MakePay balance, which keeps treasury control outside the checkout platform.
Cryptomus creates merchant accounts with a Business Wallet and supports automatic withdrawals, API withdrawals, withdrawal conversion, and mass payouts. That account model is useful when a team wants balance and payout automation inside one provider. It also creates a different custody and operational boundary that should be reviewed against the merchant's policies.
- MakePay favors direct merchant-wallet settlement.
- Cryptomus favors business-wallet, withdrawal, and payout automation.
Sources: Cryptomus gateway, Cryptomus payment fees
03 · Checkout and integrations
Both support payment links and APIs; Cryptomus lists more ready-made plugin operations.
MakePay supports branded hosted links, embedded checkout, subscriptions, deposits, plugins, API-created payments, and webhooks. Merchants can begin with a link and keep that hosted page as the fallback when they later embed checkout.
Cryptomus supports invoices, payment links, recurring payments, API keys, SDK tools, and ecommerce plugins including WooCommerce, OpenCart, PrestaShop, WHMCS, and others. Its checkout also exposes invoice-status handling, payment-accuracy settings, and coin-specific commission controls. Test the exact plugin and payment states your store needs.
- MakePay emphasizes a consistent hosted-to-embedded checkout path.
- Cryptomus emphasizes merchant-account controls and ready-made plugins.
Sources: Cryptomus gateway, Cryptomus API docs
04 · Payment operations
Cryptomus exposes more balance controls; MakePay keeps the workflow checkout-first.
Cryptomus documents partially paid, paid, active, and expired states, plus allowed underpayment, auto-conversion, auto-withdrawal, and mass payouts. Those controls are valuable when the payment gateway is expected to manage balances after checkout.
MakePay centers operations on payment status, customer-facing checkout, webhooks, subscriptions, deposits, direct settlement, and merchant-controlled refunds. A migration should map every current Cryptomus invoice state and payout dependency; do not assume a checkout replacement also replaces treasury automation.
- Cryptomus fits merchants that want gateway plus balance automation.
- MakePay fits merchants that want checkout plus direct settlement.
Sources: Cryptomus gateway, Cryptomus payment fees, Cryptomus API docs
Migration plan
Separate invoice states from treasury automation
A Cryptomus merchant may rely on underpayment settings, auto-conversion, withdrawals, or mass payouts. Each dependency needs its own replacement decision.
- 01
Map Cryptomus invoice and balance controls
List active, paid, partially paid, and expired states alongside coin commissions, conversions, auto-withdrawals, and payout jobs.
- 02
Pilot MakePay as the checkout layer
Move one payment route, reproduce customer-facing states and webhooks, and confirm proceeds arrive at the configured merchant wallet.
- 03
Rebuild treasury jobs outside checkout
Replace conversion, withdrawal, or mass-payout automation explicitly before retiring the corresponding Cryptomus account workflow.
Merchant fit
Choose the boundary between checkout and treasury
Choose MakePay when
- You want MakePay-hosted links and embedded checkout with direct settlement positioning.
- You want a merchant dashboard connected to MakeCrypto operations.
- You want clear SEO pages for payment links, stablecoins, subscriptions, and developer implementation.
Choose Cryptomus when
- You specifically need Cryptomus merchant accounts, plugins, or API tooling.
- You want to evaluate Cryptomus mass payout and conversion features.
- You already operate through Cryptomus.
Methodology
How this comparison was researched
Cryptomus is assessed through its gateway, payment-fee, and API documentation, including published new-user pricing and its Business Wallet, withdrawal, conversion, and mass-payout features. Negotiated rates are presented as conditional rather than assumed.
- MakePay focus
- Payment links, hosted checkout, embedded checkout, subscriptions, deposits, and webhooks.
- Cryptomus public positioning
- Crypto payment gateway with API keys, SDK tools, ready-made plugins, payment links, and mass payouts.
- Comparison guardrail
- This page does not make private pricing, compliance, or support claims about Cryptomus.
Official sources
Product terms can change. Verify the linked sources before making a production decision. MakePay is not affiliated with Cryptomus.
Frequently asked questions
Questions about Cryptomus pricing and business-wallet tools
Is MakePay a good Cryptomus alternative?
Yes, when the business wants direct wallet settlement, a lower fixed checkout fee, and hosted or embedded payment flows without relying on a business-wallet balance. Cryptomus may be better for mass payouts, auto-withdrawals, or its plugin ecosystem.
Which is cheaper, MakePay or Cryptomus?
MakePay charges 0.5% per completed payment and customers cover it by default. Cryptomus says new users pay 2%, with negotiated rates advertised as low as 0.4%. Compare written terms plus network, conversion, withdrawal, and route costs.
Does MakePay support payment links and plugins?
Yes. MakePay supports hosted payment links, embedded checkout, ecommerce integration paths, subscriptions, deposits, APIs, and webhooks. Verify the specific platform and version you need before migrating.
Does MakePay have a business wallet like Cryptomus?
MakePay is designed around direct settlement toward the merchant's wallet rather than retaining proceeds in a MakePay business-wallet balance. If you rely on Cryptomus auto-withdrawals, conversions, or mass payouts, plan separate replacements.
Can I migrate from Cryptomus gradually?
Yes. Start with one MakePay payment link or store route, map invoice and webhook states, test partial and expired payments, verify settlement and refunds, and then move more traffic after the pilot reconciles.
Are Cryptomus features and fees updated automatically?
No. This comparison is reviewed on the date shown and links to official Cryptomus sources. Recheck those pages and request current commercial terms before signing or migrating.
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