Coinbase Commerce is dead. As of March 31, 2026, the service that thousands of merchants relied on for non-custodial crypto payments no longer exists.

Coinbase's replacement — Coinbase Business — is a different product entirely. It's custodial (Coinbase holds your funds), restricted to the US and Singapore, and requires full KYB verification. If you're outside those two countries, there's no migration path. If you valued self-custody, there's no migration path either.

So what are the actual alternatives?

We spent weeks researching every viable crypto payment processor on the market. This guide covers six options — including QBitFlow, which we built — with honest assessments of each. No fluff, real numbers, genuine tradeoffs.

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Quick Comparison

*NOWPayments: advertised rates. Actual costs often higher due to network fees on both legs — see detailed review below.

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Detailed Reviews

1. BitPay

What it is: The oldest crypto payment processor, operating since 2011. BitPay is fully custodial — they receive crypto from your customers, convert it, and settle in fiat to your bank account. Think of it as the PayPal of crypto payments.

Pricing:

• Under $500K/month: 2% + $0.25 per transaction
• $500K–$1M/month: 1.5% + $0.25
• Over $1M/month: 1% + $0.25

Pros:

• Most established player — 15 years in business, unlikely to disappear overnight
• Fiat settlement means no crypto volatility risk
• Solid plugin ecosystem (Shopify, WooCommerce, Magento, BigCommerce)
• Supports settlement in USD, EUR, and GBP
• Good for merchants who want crypto as a payment method but don't want to hold crypto

Cons:

• Fully custodial — BitPay holds your funds during processing
• Requires full KYB verification (business documents, bank details, the works)
• Limited token support (16 tokens vs. the hundreds others offer)
• 2% fee at lower volumes is steep compared to alternatives
• Settlement delays — funds don't hit your bank instantly

Best for: Established businesses that want fiat settlement, don't mind KYB, and process enough volume to qualify for lower fee tiers. If you just want crypto converted to dollars in your bank account, BitPay is the safe, boring choice.

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2. CoinGate

What it is: A Lithuanian crypto payment gateway founded in 2014. Like BitPay, it's custodial with fiat settlement — but with better token variety and a European focus. Licensed and regulated in the EU.

Pricing: 1% flat fee on all transactions. No volume tiers, no per-transaction fixed fee. Simple.

Pros:

• 1% flat fee is competitive and predictable
• 70+ supported cryptocurrencies — far more than BitPay
• Fiat settlement in EUR and USD
• Strong plugin support (Shopify, WooCommerce, Magento, PrestaShop, WHMCS)
• EU-regulated, which matters for compliance-conscious businesses
• Supports SEPA payouts for European merchants

Cons:

• Custodial — CoinGate holds funds during processing
• Requires KYB verification
• Primarily European-focused — less ideal for merchants in other regions
• Settlement times can vary (1–3 business days for SEPA)

Best for: European merchants who want fiat settlement with good token variety at a flat 1% rate. If you're EU-based and BitPay's tiered pricing annoys you, CoinGate is the cleaner option.

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3. LlamaPay

What it is: Built by the DefiLlama team, LlamaPay is a non-custodial streaming payment protocol. It's designed for continuous money flows — think payroll, vesting schedules, and recurring payments that stream by the second.

Pricing: Low protocol fees, varies by chain. No traditional per-transaction pricing.

Pros:

• Truly non-custodial — smart contract based
• Built by the DefiLlama team (strong reputation in DeFi)
• Streaming payments are genuinely innovative for payroll use cases
• Multi-chain support across EVM networks

Cons:

• Not a merchant checkout solution. This is the big one. LlamaPay has no hosted checkout page, no payment links, no webhooks, no merchant dashboard. It's a protocol for streaming payments, not a Coinbase Commerce replacement.
• No plugins for e-commerce platforms
• Requires technical integration at the smart contract level
• Customer UX assumes DeFi familiarity

Best for: DeFi-native teams paying contributors or running token vesting. If you're looking for a Coinbase Commerce replacement for your online store, LlamaPay isn't it. Including it here because it shows up in "crypto payment" searches, and you should know what it actually does before evaluating it.

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4. NOWPayments

What it is: A crypto payment gateway supporting 200+ cryptocurrencies with auto-conversion features. NOWPayments routes payments through their own wallets before forwarding to yours — making it custodial in practice, despite some marketing suggesting otherwise.

Pricing:

• Single-currency payments: 0.5%
• Multi-currency (auto-conversion): 1%

The fee reality: Those advertised rates look great on paper. In practice, NOWPayments charges network fees on both the incoming and outgoing transactions. Depending on the chain and token, your actual cost per transaction can land between 2–5%. Multiple merchant reports confirm this. The base fee is low, but the total cost often isn't.

Pros:

• 200+ supported cryptocurrencies — the widest selection available
• 20+ e-commerce plugins (Shopify, WooCommerce, and many more)
• Auto-conversion between cryptocurrencies
• Mass payouts feature for businesses paying multiple recipients
• Crypto-to-fiat settlement available through partners

Cons:

• Effectively custodial — funds route through NOWPayments wallets
• Hidden network fees can 3–5x your expected costs
• Requires KYB for full features
• Auto-conversion adds slippage on top of fees
• Support quality varies based on merchant reports

Best for: Merchants who need to accept obscure tokens and want maximum cryptocurrency variety. Just go in with eyes open about the real fee structure — budget 2–3% per transaction, not the 0.5% on the landing page.

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5. QBitFlow

What it is: A non-custodial crypto payment processor built on open-source smart contracts. Funds go directly from customer wallet to merchant wallet — QBitFlow never touches your money. Full disclosure: this is our product, so take this section with appropriate skepticism and verify claims yourself.

Pricing: 1.5% flat fee. No hidden network fees, no per-transaction fixed costs, no volume tiers. The fee is taken at the smart contract level during the transaction.

Pros:

• Truly non-custodial — funds go straight to your wallet, verified by open-source smart contracts
• Smart contract subscription billing — customers approve a spending cap, and billing happens automatically each cycle. No other payment processor offers this on-chain.
• Marketplace/platform model — on-chain fee splitting lets platforms take a percentage automatically via smart contracts. Build your own marketplace with built-in revenue sharing.
• Hosted checkout with brand customization (your logo, your colors)
• No KYB required — start accepting payments in minutes
• Webhooks, SDKs (Python, Go, JavaScript), WooCommerce plugin
• Test mode available — try everything without real funds
• Zero withdrawal fees, zero chargebacks

Cons:

• Fewer plugins than established players — WooCommerce only for now (Shopify and others coming)
• No fiat settlement — you receive crypto and manage conversion yourself
• Supports Ethereum, Solana, and Base — fewer chains than NOWPayments or CoinGate
• Newer product — less track record than BitPay or CoinGate
• Smaller token selection compared to custodial alternatives

Best for: Merchants who value self-custody and want subscription billing or marketplace fee splitting — features nobody else offers on-chain. Also a strong fit if you're outside the US/Singapore and KYB requirements lock you out of other options. Weakest fit if you need fiat settlement or support for dozens of altcoins.

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6. Request Network

What it is: A non-custodial, invoice-based payment protocol. Request Network focuses on creating verifiable payment requests on-chain — closer to invoicing than checkout. They've partnered with Kryptos for compliance and tax reporting features.

Pricing: Variable fees depending on the integration path. No simple flat-rate pricing published.

Pros:

• Non-custodial — payments settle directly between parties
• Strong B2B invoicing features with compliance tooling
• On-chain payment verification and audit trails
• Partnership with Kryptos for tax reporting
• Good for businesses that need payment documentation for accounting

Cons:

• Not designed for consumer checkout flows — no "Buy Now" button experience
• No subscription billing
• Limited e-commerce plugins
• More complex integration than hosted checkout solutions
• Better suited for invoicing than real-time payment processing

Best for: B2B companies that need compliant invoicing with on-chain verification. If you're sending invoices to other businesses and need audit trails, Request Network is purpose-built for that. If you're running an online store and need a checkout page, look elsewhere.

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Which One Should You Choose?

Skip the analysis paralysis. Here's the decision tree:

• Want fiat settlement (crypto in, dollars out)? → BitPay or CoinGate
• European merchant wanting simple pricing? → CoinGate (1% flat, EU-regulated)
• High volume and want the lowest custodial fee? → BitPay (1% at $1M+/month)
• Need maximum token variety? → NOWPayments (but budget 2–3% real costs, not 0.5%)
• Want true non-custodial with no KYB? → QBitFlow
• Need subscription billing on-chain? → QBitFlow (only option)
• Building a marketplace or platform? → QBitFlow (on-chain fee splitting, only option)
• DeFi-native team doing payroll/vesting? → LlamaPay
• B2B invoicing with compliance needs? → Request Network

No single provider replaces everything Coinbase Commerce did for everyone. The right choice depends on what you actually need.

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Migrating from Coinbase Commerce

If you're coming from Coinbase Commerce specifically, we wrote a step-by-step migration guide: How to Migrate from Coinbase Commerce in 10 Minutes

The short version:

1. Export your data from Coinbase Commerce before they fully shut down access
2. Set up your new provider — most take under 30 minutes
3. Update your integration — swap API endpoints and webhook URLs
4. Test thoroughly — use test/sandbox mode before going live
5. Update your checkout flow — redirect customers to your new payment page

If you're migrating to QBitFlow specifically, the guide above walks through the exact API changes, webhook mapping, and checkout redirect setup.

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The Bottom Line

Coinbase Commerce shutting down is frustrating, but it's also a chance to pick a provider that actually fits your needs — not just the one that was convenient because you already had a Coinbase account.

The honest truth: there's no perfect 1:1 replacement. Every option involves tradeoffs. Custodial providers like BitPay and CoinGate give you fiat settlement but take custody of your funds. Non-custodial options like QBitFlow keep you in control but don't convert to fiat for you.

If you value self-custody, subscription billing, or marketplace fee splitting, give QBitFlow a try. Test mode is free, no credit card required, no KYB paperwork. You can have a working checkout in under 10 minutes and decide if it fits.

Whatever you choose — don't paste your seed phrase into a web form. That part of the Coinbase migration was a bad idea, and it's still a bad idea.