We are narrow on purpose: stablecoins, five chains, nothing to sign up for. That makes us a good fit for some products and the wrong tool for others. The cases where you should use something else are first, because you will find them out anyway and it is cheaper to find them out now.
One unauthenticated POST creates a wallet and returns its keypair. There is nothing to confirm, nobody to approve you and no form to fill in. Nothing about you is collected because there is no field to put it in. Apirone works this way too, and it is the reason it is the closest thing to a peer on this page.
Create a wallet from this site and the keypair is generated in your browser. What is transmitted is the public key and a SHA-256 hash of the private key. We cannot show you your own private key, cannot sign for you and cannot be compelled to hand over a phrase we never received.
Bitcoin, Litecoin, Base, Ethereum, Polygon, BNB Chain and Solana. A USDC payment on Base or Solana settles for a fraction of a cent, which is what makes a two dollar payment worth accepting at all. The same payment on Ethereum can cost more than the item.
An EVM deposit address is the same address on Base, Ethereum, Polygon and BNB Chain. You allocate it once per customer and it accepts payment on any of them, so a customer who sends on the wrong chain has still paid you.
Moving value between two BuxAPI wallets is a ledger write, not a transaction. Nothing is broadcast and nothing is charged. A marketplace settling to a few hundred sellers a day pays network fees only when a seller actually withdraws.
A wallet in convert mode swaps every incoming token to USDC on arrival and credits USD cents. Your exchange exposure ends when the deposit lands rather than lasting until somebody remembers to sell.
0.5% of a confirmed deposit. Sends cost their network fee with no margin added. Internal transfers cost nothing. That is the entire schedule. Nothing is charged monthly, per address or per settlement, and there is no volume you have to commit to.
Structural attributes only, because they change slowly. Competitor columns were read from each provider's own public documentation on 28 August 2026 and can change without notice. Where the honest answer depends on a plan or a jurisdiction the cell says Check, which means exactly that: check with them, do not take our word for it.
| Attribute | BuxAPI | Coinbase Business | BitPay | NowPayments | CoinPayments | Apirone |
|---|---|---|---|---|---|---|
| Account required | No | Yes | Yes | Yes | Yes | No |
| Email required | No | Yes | Yes | Yes | Yes | No |
| Merchant KYC | No | Yes | Yes | Check | Yes | No |
| Custody of funds | Custodial | Custodial | Custodial | Either | Custodial | Either |
| Bitcoin | Yes | Check | Yes | Yes | Yes | Yes |
| Stablecoins on L2 | Yes | Yes | Yes | Yes | Yes | No |
| Fiat settlement to bank | No | Check | Yes | Check | Check | No |
| Hosted checkout page | Yes | Yes | Yes | Yes | Yes | Yes |
| Free transfers between merchants | Yes | Check | No | Check | Check | No |
| Unlimited deposit addresses | Yes | Check | Check | Check | Yes | Yes |
| E-commerce plugins | Yes | Yes | Yes | Yes | Yes | Yes |
We charge 0.5% of a confirmed deposit, plus the network fee on a send and nothing on an internal transfer. There is no monthly fee and no volume commitment.
We deliberately do not publish a table of everyone else's rates. Processor pricing changes often, varies by plan, coin and country, and a comparison table that is three months stale is worse than no table because it looks authoritative. Every provider on this page publishes its own pricing. Read theirs, read ours, and compare the two figures on the day you decide.
One thing worth checking whoever you pick: whether the headline percentage is the whole cost. Separate settlement fees, withdrawal fees, per-address fees, conversion spreads and monthly minimums are all common, and any one of them can matter more than the number on the pricing page.
The integration shape is familiar: create an invoice, send the customer to a hosted page, verify a signed webhook. If you have written against Coinbase Commerce or NowPayments you will recognise all of it, and the store plugins cover WooCommerce, PrestaShop and OpenCart without any of it.
If you want a second opinion on whether this is the right fit, ask us. We will tell you when it is not. A merchant who signs up for the wrong thing churns in a month and tells people about it.