10 Best XMoney (UtrustX) Alternatives in 2026 for Secure Crypto Payments

The best XMoney (UtrustX) alternatives for companies wishing to take bitcoin payments with more flexibility, cheaper costs, and broader international support will be covered in this post.

Merchants need dependable payment gateways that provide robust security, compliance, and smooth connections to accommodate various business models and local needs as cryptocurrency commerce develops.

What Is XMoney (UtrustX)?

A regulated cryptocurrency payment gateway called XMoney (previously UtrustX) was created to assist companies in accepting bitcoin payments while lowering settlement risk and volatility.

With the ability to receive payouts in fiat or cryptocurrency, the platform enables merchants to accept popular cryptocurrencies like Bitcoin, Ethereum, and stablecoins. By incorporating KYC/AML standards and providing features like rapid conversion and dispute resolution, XMoney prioritizes compliance, security, and consumer safety.

It is appropriate for online retailers looking for a user-friendly and controlled substitute for conventional payment processors because it enables eCommerce integrations, APIs, and international payments.

Why Consider XMoney (UtrustX) Alternatives?

Elevated Costs: Transaction charges and conversion fees may be greater than the competition from processors or gateways.

Insufficient Cryptocurrency Coverage: Most payment processors do not support all coins/tokens that businesses want to accept.

Geo-Restrictions: The service may not be accessible due to country restrictions or other regulatory compliance.

Speed of Settlement: Competitors may be more advantageous regarding the instant or upcoming settlement speeds.

Degrees of Integration: More other plugins, more capable APIs, or developer tools can be found from some other alternatives.

Customer Experience: There are much greater variances among vendor support, merchant dashboards, and reporting.

Greater Customization: A lack of flexibility or control from the vendor may be preferred by some businesses with more detailed technical needs.

Key Point & Best XMoney (UtrustX) Alternatives List

Platform	Key Point
CoinGate	Wide coin support & easy eCommerce integrations
BitPay	Trusted global brand with strong fiat settlement options
BTCPay Server	Fully self-hosted, low-fee, open-source solution
Plisio	No-KYC limits for some plans & fast setup
Cryptomus	Multi-currency gateway supporting global payouts
Coinify	Established European provider with regulatory compliance
B2BinPay	Advanced B2B features & high-volume support
PayBito Merchant Gateway	Broad crypto support + advanced merchant tools
ZebPay Merchant Tools	Integrated with a leading crypto exchange (India-focused)
Giottus Merchant Services	Localized support & easy onboarding for Indian merchants

1. CoinGate

CoinGate, a crypto payment processor from Lithuania, has been operating since 2014. They help businesses all over the world integrate crypto transactions in less than an hour and accept over 70 digital coins with easy API and plug-in integrations for WooCommerce and Shopify.

They charge ~1% per transaction with no monthly fees, and have the option of weekly crypto or fiat settlements.

Their transactions support over 180 countries with multi-currency support for invoices and refunds, and have top tier custom support. For all of these reasons and their global compliance, low cost, and being one of the best in the industry, they are one of the best XMoney (UtrustX) alternatives for online merchants.

CoinGate Features

• Established on 2014 (Lithuania)
• Over 70 cryptocurrencies (BTC, ETH, Stablecoins)
• Supports Fiat transactions in EUR, USD, GBP
• Compatible with Shopify, WooCommerce, Magento, with API updates
• Increased coverage in Europe with unlimited merchant access worldwide

Pros & Cons CoinGate

Pros	Cons
Supports 70+ cryptocurrencies	Limited U.S. merchant support
Fiat settlement in EUR, USD, GBP	Fees around 1% may be higher than some competitors
Easy integration with Shopify, WooCommerce, Magento	Focused more on Europe than global expansion
Strong security and compliance	Customer support mainly via email/live chat

2. BitPay

One of the first crypto payment processors is BitPay, founded in the United States in 2011. They support all major coins like Bitcoin and Ethereum, as well as most stable coins, allow merchants to accept crypto and choose to convert to fiat (USD/EUR) at the time of payment.

Typical fees are around 1% for crypto payment processors, and for BitPay, HelA offers invoicing, online checkout, and enterprise reporting. BitPay has also built a significant reputation for customer and compliance support in the regions they service.

BitPay Features

• Established on 2011 (United States)
• Supports BTC, BCH, ETH, Stablecoins, and anchoring (USDC, USDP)
• Charges 1% fee on transactions, and provides worldwide fiat currency
• Submitted user-focused dashboard and tools tailored on chargeback security
• Compliance and adaptable services in more than 200 countries

Pros & Cons BitPay

Pros	Cons
Founded in 2011, highly trusted	Limited coin support compared to newer gateways
Supports BTC, ETH, BCH, stablecoins	1% transaction fee across all payments
Global fiat settlement in 200+ countries	Some merchants report slow onboarding
User-friendly dashboard & chargeback prevention	Compliance-heavy, requires KYC

3. BTCPay Server

A 2017 launch of BTCPay Server, a self-hosted, open-source crypto payment processor solution, allows merchants to accept Bitcoin and payment via the Lightning Network and other forms of payment directly.

As opposed to hosted services, there are no fiat processor fees (only network fees) and users retain full control of their funds and privacy. There is no native fiat conversion integration, though merchants may manage that with third-party services.

The customization and security of the platform stand out, and may appeal to tech-savvy merchants looking for sovereignty, especially since BTCPay Server is supported by a global community and its documentation as well as developer tools, which makes this a highly cost-effective Best XMoney (UtrustX) alternative for those seeking privacy and independence.

BTCPay Server Features

• Established on 2017 (open-source project)
• Serves with 0% fees, fully self-hosted gateway
• Supports Bitcoin and many altcoins via plugins
• Provides merchants full guarantee on privacy and censorship resistance
• Support is given by the community on GitHub and online discussion forums

Pros & Cons BTCPay Server

Pros	Cons
Open-source, 0% fees	Requires self-hosting & technical knowledge
Full privacy & censorship resistance	No fiat settlement
Supports Bitcoin & altcoins	Community-driven support only
Global accessibility	Not beginner-friendly

4. Plisio

Plisio, a global crypto payment processor with a focus on providing services since 2019, allows for payments to be made in over 15 cryptocurrencies with display pricing in multiple fiat currencies and a transaction fee of 0.5%.

Thanks to plugins and APIs, which also offer features such as dynamic invoices, donation pages, and merchant dashboards accompanying payment processor accounts, Plisio is easy to implement e-commerce solutions. Its global accessibility also benefits international merchants even though there is no settlement specifically for INR.

Highly regarded Plisio – low pricing, ease of setup, and integration with main CMS – represent a great choice of Best XMoney (UtrustX) competitor for small to mid sized web companies.

Plisio Features

• Established on 2019 (Georgia)
• Supports more than 50 cryptocurrencies with instant auto conversion
• Very low fees (~0.5%) for merchants
• Simplified access for integrators through an API and plugin with ecommerce platforms
• Global access with non-custodial wallet support

Pros & Cons Plisio

Pros	Cons
Supports 50+ cryptocurrencies	Less recognized compared to BitPay or CoinGate
Low fees (~0.5%)	Limited fiat settlement options
Easy API & plugin integration	Smaller global merchant base
Non-custodial wallet support	Customer support mainly via email

5. Cryptomus

Cryptomus is a digital payments and trading platforms with an integrated payments gateway, offering a variety of merchant plugins and APIs for businesses.

Other than the missing public information about the year they were founded, Cryptomus financially supports thousands of cryptocurrencies and other digital assets, and the costs of their gateways are starting to get fees of approximately 2% for low sales, but can go as low as 0.4% for users with higher sales.

Additional features provided are automatic currency conversions, batch payments, invoices via QR codes, and wallets designed for businesses. Cryptomus is a great alternative for firms that require a higher level of cryptocurrency versatility and flexibility. 

Cryptomus Features

• Founded in 2022 in Estonia ZebPay, Giottus (2021).
• Coinify holds an exceptional position, providing support to over 15 largest cryptocurrencies including BTC, ETH, USDT.
• Payouts are immediate, and automatic conversion to local currencies is offered.
• Accessible dashboards with low fees (~0.9 to 0.4%).
• Globally focused, especially in small and mid-size businesses.

Pros & Cons Cryptomus

Pros	Cons
Supports 15+ major cryptocurrencies	Newer gateway, less brand recognition
Instant payouts & auto-conversion	Limited enterprise-grade features
Low fees (~0.4–0.9%)	Smaller global reach compared to competitors
User-friendly dashboard	Customer support mainly via ticket system

6. Coinify

Coinify is cryptocurrency payment processor with headquarters in Denmark. Coinify services procession of cryptocurrencies and fiat payments for merchants.

Coinify accepts different crypto currencies and offers payment processing with different digital fiat currencies, and offers payment processing from. Based on payment volume, the service is available for a payment fee starting from 0.5% to a few percent for covered payments.

Coinify’s regulatory compliance and multi-regional payment capabilities make it a reputable best XMoney (UtrustX) competitor, with varied settlement time frames depending on the currency. With integrated capabilities and support for multiple global currencies, Coinify is a trusted provider of crypto-fiat solutions. 

Coinify Features

• Founded in 2014 (Denmark)
• BTC, ETH, and other major cryptocurrencies also supported.
• Multi-currency (fiat) settlements (EUR, USD, and GBP).
• Maintaining a strong level of regulations in Europe and Compliance.
• Merchant services and tools to manage invoicing and automate payments.

Pros & Cons Coinify

Pros	Cons
Founded in 2014, Denmark	Focused mainly on Europe
Supports BTC, ETH, and major coins	Limited altcoin support compared to CoinPayments
Fiat settlement in multiple currencies	Fees vary depending on volume
Strong compliance & regulation	Customer support slower than rivals

7. B2BinPay

B2BinPay is capable of processing more than 800 tokens and offers a number of enterprise level features like customized APIs, static wallets, and more.

They also have a regulated license from Estonia for compliance purposes, with a 0.25%-0.50% fees for every incoming transaction, with more options for conversions between crypto and fiat.

B2BinPay can also handle advanced reporting and business analytics, supporting several industries like e-commerce and iGaming. This is the other Best XMoney (UtrustX) alternative for larger and scaling merchants. 

B2BinPay Features

• Founded in 2014 (Estonia).
• Supports over 350 cryptocurrencies.
• Wallets and APIs of enterprise level for businesses.
• Options for crypto and fiat settlement.
• Customer support is multilingual for Europe, Asia, and Middle Eastern countries.

Pros & Cons B2BinPay

Pros	Cons
Enterprise-grade wallets	Complex setup for small businesses
Supports 350+ cryptocurrencies	Fees vary depending on volume
Crypto-to-fiat settlement	Stronger focus on B2B than retail
Multilingual customer support	Requires technical integration expertise

8. PayBito Merchant Gateway

PayBito Merchant Gateway is a part of a broader crypto platform that allows businesses to seamlessly receive and process multiple digital assets, with API-integrated merchant instruments for checkout, invoicing, and settlement.

PayBito solutions, while varying by deployment, tend to have the same underlying focus on an array of crypto support and scalable tools designed for global merchants, which along with varying founding year and fees explains the range of fee details.

The platform is designed with an emphasis on safety and ease of integration with various payment flows and customer support channels. As a Best Xmoney (UtrustX) alternative, it is especially useful for businesses looking for diverse and fully developed crypto payment infrastructures.

PayBito Merchant Gateway Features

• Founded in 2015 (USA).
• Supports BTC, ETH, XRP, and LTC**.
• Highly facilitative and seamless API integration for merchants.
• There are exchange-backed liquidity services, and settlement.
• Strong presence in Asia, Middle East, and North America.

Pros & Cons PayBito Merchant Gateway

Pros	Cons
Exchange-backed services	Smaller global footprint than BitPay or CoinPayments
Supports BTC, ETH, XRP, LTC	Limited fiat settlement options
Seamless API integration	Focused more on Asia/Middle East than global
24/7 customer support	Less adoption among Western merchants

9. ZebPay Merchant Tools

ZebPay is one of the largest crypto exchange in India (FIU-IND registered) that offers merchants services that allow India-based merchants to accept crypto payments with on-ground customer services.

While there is a lack of transparency in the gateway fees and APIs on ZebPay, the ecosystem is functional enough to provide regional compliance, customer support and integration that is customized to the Indian market.

Their reliability, in terms of platform functionality and ecosystem dominance, is a Best XMoney (UtrustX) alternative for Indian merchants who want to operate with customers and support domestically under a crypto regulatory framework.

ZebPay Merchant Tools Features

• Founded in 2014 (India).
• Supports BTC, ETH, and other major coins.
• Simplified integration for merchants with a regulated exchange.
• Strong presence in India and Asia-Pacific markets.
• Customer support through local regional offices and online.

Pros & Cons ZebPay Merchant Tools

Pros	Cons
Strong presence in India	Limited global expansion outside Asia
Supports BTC, ETH, and major coins	Smaller coin list compared to CoinPayments
Easy merchant integration	Fees vary depending on service tier
Regulated exchange-backed gateway	Customer support mainly regional

10. Giottus Merchant Services

Giottus is another FIU-IND registered well known crypto exchange of India. It also offers merchant services that allow business acceptance to Bitcoin, Ethereum, and other assets.

Particular information on gateway fee and level of global support can vary but Giottus has a high focus on stable onboarding for clients and is also reliable on customer support catering for the Indian Market. Tools that assist merchants to digital asset payment systems easily to local settlement systems.

Giottus is also offers Best X Money (UtrustX) equivalent services for Indian Firms looking for a crypto payment solution with domestic support.

Giottus Merchant Services Features

• Established in 2017 in India
• Supports major currencies like Bitcoin, Ethereum, and Tether as well as others
• Provides integrated payouts processing system for merchants
• Supports fiat settlement in INR and other international currencies
• Strong mandatory Indian regulations and other surround support

Pros & Cons Giottus Merchant Services

Pros	Cons
Comprehensive payment processing solution	Primarily focused on Indian market
Supports BTC, ETH, USDT, and major coins	Limited global merchant adoption
Fiat settlement options available	Smaller ecosystem compared to global leaders
Strong compliance with Indian regulations	Customer support mainly regional

Security, Compliance & Regulatory Considerations

KYC & AML Compliance: The crypto payment processors that are regulated do KYC and AML checks to avoid fraud, money laundering, and other illegal activities.

Custodial vs Non-Custodial Models: With custodial gateways, merchant funds are held for a certain period of time, while non-custodial alternatives like BTCPay Server let businesses keep full control of their crypto.

Data Protection & Privacy: Security and privacy regulations (such as GDPR) are met, and strong encryption and secure APIs are used to protect the data of traders and their customers.

Regulatory Licensing: Licensed services are regulated by financial authorities (EU, US or local) so we can trust them to be transparent.

Transaction Monitoring & Fraud Prevention: Advanced crypto gateways use real-time transaction monitoring, wallet screening, and risk-scoring to identify and flag suspicious activities.

Geographic Restrictions: Some platforms are restricted by local regulations, so their regional compliance is an important choice.

Auditability & Transparency: Sufficient features are designed to assist customers in performing their own internal audits and in complying with regulations.

Consumer Protection Measures: Merchants and their customers are offered trust through services like refund handling, chargeback policies, and dispute resolution.Over the years, offering regulatory secure operations and projected sustainability has been considered while selecting an XMoney (UtrustX) alternative.

XMoney vs Its Top Alternatives (Comparison Table)

Provider	Supported Crypto	Transaction Fees	Fiat Settlement	Countries Supported	Best Fit
XMoney (UtrustX)	Major coins + stablecoins	Variable	Yes (instant stablecoin/fiat)	Global (selected regions)	Merchant-friendly crypto payments
CoinGate	~70+ assets	~1%	Yes	100+ countries	eCommerce + retail integration
BitPay	100+	~1%	Yes	Global	Enterprise & regulated businesses
BTCPay Server	Bitcoin + Lightning	0% (self-hosted)	No (crypto only)	Global	Open-source, self-custodial
Plisio	~15–50+	~0.5%	Yes	Global	Simple integration & invoices
Cryptomus	~15+	~0.4–2%	Yes	Global	Flexible gateway with mass payouts
Coinify	Multiple major coins	~0.25–3%	Yes	Europe + global	Regulated European compliance
B2BinPay	800+ tokens	~0.25–0.5%	Yes	Global	High-volume + enterprise
PayBito Merchant Gateway	Broad crypto support	Varies by plan	Yes	Global	Comprehensive merchant tools
ZebPay Merchant Tools	Major coins	Varies	Yes	India-focused	Local Indian market support
Giottus Merchant Services	Major coins	Varies	Yes	India-focused	India-centric merchant solution

Conclusion

Your company’s size, location, and operational requirements will all play a major role in selecting the ideal XMoney (UtrustX) substitute.

For well-established retailers, platforms like CoinGate and BitPay are perfect because of their worldwide reach, regulatory compliance, and smooth fiat settlements. Businesses who value decentralization, no processing costs, and complete fund control will find BTCPay Server appealing.

For small to mid-sized retailers, Plisio, Cryptomus, and Coinify provide adaptable, affordable options. B2BinPay and PayBito offer sophisticated tools and scalability for high-volume, enterprise-level operations.

For Indian merchants looking for local compliance and assistance, region-specific solutions like Giottus and ZebPay are ideal. In the end, the best option strikes a balance between long-term scalability, security, fees, and compliance.

FAQ