BitPay

BitPay provides cryptocurrency payment processing for merchants alongside a consumer wallet for buying, storing, swapping and spending crypto. It has operated for 15 years, reports more than a million wallets created, and supports multiple chains including Solana, Arbitrum, Optimism and Base. Merchant fees are published as a volume tiered schedule.

Publishing the whole fee ladder rather than only the entry rate is what makes the pricing useful. A merchant deciding whether to accept crypto is comparing against card processing, where rates are also volume tiered, and cannot make that comparison from a single headline number. Seeing the rate drop from 2 percent to 1 percent as monthly volume crosses a million dollars tells a large merchant what the answer becomes at scale.

Running a consumer wallet alongside the merchant business is the structural choice that distinguishes BitPay from processors that serve only one side. It means the same company holds relationships with both payers and payees, which matters in a payment network where the constraint is usually that not enough people can pay.

Longevity is worth weighing in this category specifically, since crypto payment processors have a poor survival record and a merchant is trusting one with settlement.