Comparison

Qvard vs Cryptomus: what to choose for accepting crypto payments

TL;DR: Cryptomus starts at a higher published fee than Qvard (2% for new merchants, negotiable down to as low as 0.4%) but bundles gateway processing with a much wider crypto-business toolset — P2P exchange, card issuance, staking. Qvard stays focused on the payment-gateway workflow itself with a flat, published fee. Cryptomus requires mandatory KYC for every user; Qvard does not require merchant KYC.

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Feature by feature

Qvard vs Cryptomus

QvardCryptomus

Processing fee~1% (0.8%/0.65% at higher volume)Starts at 2% for new merchants, negotiable down to as low as 0.4% by contacting Cryptomus

Coins & networksUSDT (TRC20, ERC20, BEP20), BTC, LTC, ETH, BNB, TRX100+ cryptocurrencies incl. BTC, ETH, LTC, XMR, DASH, BCH, USDT/USDC/DAI/BUSD, BNB, TRX, TON, MATIC

KYC for merchantsNot requiredMandatory for all users before wallets/business features can be used

Hosted checkoutYes — customer picks asset/network on the payment pageYes — invoice pages with a QR-code pay form

Payment linksNo — created via API, customer gets a hosted checkout linkYes — plus static (persistent) wallet addresses per currency/network

API & webhooksYes — create payment, get paymentUrl, receive final-status webhook with retryYes — merchant API with signed webhook notifications on status change

PluginsNo ready-made plugins yet — REST API integrationWooCommerce, WHMCS, PrestaShop, OpenCart, Magento, BigCommerce and more

WithdrawalsManual and automatic withdrawals from the merchant balanceAutomatic and API-based withdrawals (exact payout fees not published)

SupportTelegram botTelegram support bot and email

Published starting fee is higher, but negotiable

Cryptomus states a 2% starting fee for new merchants, with per-coin custom commissions available and a published path down to as low as 0.4% by contacting Cryptomus directly — so the effective rate for an established merchant can end up below Qvard's. Qvard's tiers (about 1%, 0.8%, 0.65%) are fixed and published without a negotiation step.

Cryptomus requires KYC for everyone

Cryptomus' own FAQ is explicit: KYC is mandatory for all users before wallets and business features unlock, and the process is described as taking about five minutes. Qvard does not require merchant KYC.

Cryptomus is a wider crypto-business suite

Beyond payment processing, Cryptomus documents a P2P exchange, crypto card issuance, a fiat on-ramp, staking and an AML checker — positioning it closer to an all-in-one crypto finance platform. Qvard's current scope is the payment-gateway workflow: an API-created hosted checkout, invoices, webhooks and merchant balances.

Similar core integration surface

Both offer a hosted checkout/invoice page, an API with signed webhook notifications, and plugins for the major carts. Cryptomus additionally documents static (persistent) wallet addresses per currency and network, which Qvard's current materials don't describe.

When Cryptomus is the better choice

Pick Cryptomus if you're comfortable with mandatory KYC and want more than a payment gateway — P2P exchange, crypto card issuance or staking alongside processing — or if you can negotiate your fee down through Cryptomus' custom-commission process.

When Qvard is the better choice

Pick Qvard if you want one fixed, published fee schedule without a negotiation step, and a payment-gateway-only product rather than a bundled crypto-business suite.

FAQ

Is Cryptomus cheaper than Qvard?

It depends on volume and negotiation. Cryptomus starts at 2% for new merchants but publishes a path down to as low as 0.4% by contacting them directly; Qvard's published tiers run from about 1% down to 0.65% without a negotiation step. Compare the effective rate you'd actually get, not just the headline numbers.

Does Cryptomus require KYC?

Yes — Cryptomus' FAQ states KYC is mandatory for all users before wallet and business features can be used. Qvard does not require merchant KYC.

Is Cryptomus more than a payment gateway?

Yes — beyond processing payments, Cryptomus documents a P2P exchange, crypto card issuance, staking and an AML checker. Qvard's current scope is the payment-gateway workflow itself.

Does Cryptomus support USDT on multiple networks like Qvard?

Yes — Cryptomus documents stablecoins including USDT alongside BNB, TRX and TON network support, similar in spirit to Qvard's multi-network USDT setup, though the exact fee per network differs by asset on Cryptomus.

Can I get support over Telegram with both?

Yes. Qvard offers a Telegram-bot support channel, and Cryptomus operates its own official Telegram support bot alongside email.

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Data on Cryptomus verified 2026-09-17 from official sources. Fees, features and policies can change after this check — confirm current details directly with the provider before deciding.

Sources checked: https://cryptomus.com/fees/payment · https://cryptomus.com/faq/what-are-the-fees-for-your-service · https://cryptomus.com/faq/do-i-have-to-go-through-kyc · https://doc.cryptomus.com/business/payments/list-of-services · https://doc.cryptomus.com/merchant-api/payments/qr-code-pay-form · https://doc.cryptomus.com/merchant-api/payments/creating-invoice · https://doc.cryptomus.com/merchant-api/payments/creating-static · https://doc.cryptomus.com/merchant-api/payments/webhook · https://cryptomus.com/plugins · https://cryptomus.com/contacts