DPT vs BitPay vs Coinbase Commerce
An honest three-way comparison of the major crypto payment processors in 2026 — DPT, BitPay, and Coinbase Commerce — across fees, settlement options, supported chains, and the operational fit for different business types.
TL;DR
DPT targets stablecoin-first acquiring with the lowest fee in the category — from 0.3% per transaction, no setup, no minimum, with same-day USD or USDC settlement. BitPay is the longest-tenured crypto acquirer (founded 2011), supports a broader basket of cryptocurrencies including BTC, accepts more legacy crypto-only customers, and charges 1% per transaction. Coinbase Commerce is the lightest-touch option, free to install, with self-custody settlement directly to the merchant’s wallet — but with no fiat off-ramp included and a network fee passed through to the merchant. The right choice depends on what currencies your customers want to pay in, how much fee compression matters, and whether you need fiat settlement or you’re comfortable holding crypto.
Quick Picks
Lowest fee + fiat settlement
DPT
From 0.3% per transaction, settle same-day to USD bank or USDC. No setup, no minimum. Best for SMBs at $50k+/month volume where fee compression matters.
Broadest currency basket
BitPay
Accepts 17+ cryptocurrencies including Bitcoin, Bitcoin Cash, Ethereum, Litecoin, Dogecoin, Shiba Inu. The longest track record in the category. 1% per transaction.
Self-custody, lightest setup
Coinbase Commerce
Free to install. Settles directly to your wallet on-chain. No fiat off-ramp included. Best for merchants comfortable holding crypto and managing on-chain settlement themselves.
Head-to-Head Feature Table
| Feature | DPT | BitPay | Coinbase Commerce |
|---|---|---|---|
| Founded | 2024 | 2011 | 2018 |
| Per-transaction fee | From 0.3% | 1% | 1% (managed plan); free if self-custody only |
| Setup fee | None | None | None |
| Monthly minimum | None | None | None |
| Supported assets (primary) | USDC, USDT | BTC, BCH, ETH, LTC, DOGE, SHIB, USDC, USDT, PYUSD, GUSD, etc. (17+) | BTC, ETH, USDC, DAI, LTC, BCH, etc. (~9) |
| Supported chains | Ethereum, Base, Solana, TRON | BTC, ETH, multiple L1s | BTC, ETH, Polygon, Solana (asset-dependent) |
| Fiat settlement | Same-day USD bank or USDC | Next-day fiat (USD/EUR/CAD/…) or stablecoin | Self-custody only — no fiat off-ramp included |
| Settlement custody | Managed (DPT settles for you) | Managed (BitPay settles for you) | Self-custody (lands in your wallet directly) |
| Hosted checkout | Yes | Yes | Yes |
| Embedded SDK | Yes | Yes | Yes (charge API) |
| Shopify / WooCommerce plugin | Yes | Yes | Yes |
| POS / counter | Yes (web tablet) | Yes | Limited — primarily online |
| Refund mechanism | On-chain refund to original wallet, single click | Refund-to-wallet, dashboard-driven | Manual on-chain refund from your wallet |
| Best for | Stablecoin-first SMBs at scale | Multi-currency crypto acceptance, longest-tenured option | Crypto-native merchants who want self-custody simplicity |
DPT — Stablecoin-First Acquiring
DPT Acquire
Strengths
- Lowest per-transaction fee in the category (from 0.3%).
- Same-day fiat or USDC settlement.
- No setup, no monthly minimum, no hidden FX spread.
- Volume breakpoints unlock automatically — the rate adjusts down as you scale, re-priced monthly.
- Multi-chain stablecoin support (USDC on Ethereum/Base/Solana, USDT on TRON/Ethereum/Solana).
- Tight integration with the broader DPT stack — payouts, treasury, contractor payments share the same balance.
Limitations
- USDC and USDT focus — BTC, ETH, and altcoin acceptance are not the product focus.
- Newest entrant in the category; track record shorter than BitPay or Coinbase Commerce.
- Smaller ecosystem of third-party integrations than BitPay’s decade-deep stack.
BitPay — The Veteran Multi-Asset Acquirer
BitPay
Strengths
- Founded 2011 — the longest-tenured crypto acquirer, with the deepest enterprise customer base in the category.
- Accepts 17+ cryptocurrencies including BTC, BCH, ETH, LTC, DOGE, SHIB, plus stablecoins.
- Fiat settlement in USD, EUR, CAD, GBP, AUD, NZD, ZAR, ARS, BRL, MXN, JPY, CNY, NGN.
- Mature dashboard, mature accounting export, mature payouts API.
- Strong B2B invoicing flow with multi-step approvals.
Limitations
- 1% per-transaction fee — meaningfully higher than DPT’s 0.3% on stablecoin-only volume.
- Cryptocurrency acceptance breadth comes with the operational complexity of supporting volatile assets — settlement requires immediate conversion to lock the price.
- Settlement timing is next-day for fiat, not same-day.
Coinbase Commerce — Self-Custody Simplicity
Coinbase Commerce
Strengths
- Free to install — no per-transaction fee on the self-custody plan.
- Self-custody — payments settle directly to the merchant’s wallet, no intermediary.
- Brand recognition — Coinbase is the most-trusted name in crypto for many US consumers.
- Simple integration: hosted Charge URL, dropping a checkout button is minutes of work.
- Webhooks for order confirmation are clean and well-documented.
Limitations
- No fiat off-ramp included — the merchant must convert to fiat themselves through Coinbase or another off-ramp, with associated fees and delays.
- Self-custody means the merchant carries operational responsibility for the wallet, key management, and accounting.
- Recent product changes have narrowed scope; some legacy features (e.g. managed merchant accounts) have been deprecated or restructured.
- Network fees on settlement are passed through to the merchant in some configurations.
- Fewer assets and chains than BitPay, less of a stablecoin-first focus than DPT.
Cost at Three Volume Tiers (Stablecoin Volume Only)
Modelling stablecoin-only volume across the three platforms — this isolates the fee comparison from currency-mix effects.
| Monthly volume | DPT (0.3%) | BitPay (1%) | Coinbase Commerce (managed plan, 1%) |
|---|---|---|---|
| $25,000 | $75 | $250 | $250 |
| $100,000 | $300 | $1,000 | $1,000 |
| $500,000 | $1,500 | $5,000 | $5,000 |
| $2,000,000 | $6,000 | $20,000 | $20,000 |
The fee gap between DPT and the other two compounds quickly at scale. The trade-off: BitPay offers a much broader currency basket; Coinbase Commerce can be free if you’re comfortable with self-custody and DIY fiat off-ramp. DPT’s 0.3% is the lowest fiat-included managed-acquiring rate in the category.
Who Should Pick Which
Pick DPT if…
You’re stablecoin-first, you want managed fiat or USDC settlement, and you’re scaling past $50k/month where fee compression starts to matter materially. Best fit for SaaS, B2B, marketplaces, and crypto-native businesses with serious finance functions.
Pick BitPay if…
You need to accept Bitcoin, Bitcoin Cash, or a long tail of altcoins alongside stablecoins. You value the longest track record in the category and don’t mind paying 1% for the broader currency basket and enterprise-mature tooling.
Pick Coinbase Commerce if…
You’re comfortable with self-custody, you want the lightest possible integration (drop a button, done), and you don’t need automated fiat conversion — you’ll handle it yourself when you need to. Best for crypto-native merchants and side projects.
Run two in parallel if…
You want both stablecoin acceptance at the lowest fee and broader BTC/altcoin acceptance for the customers who hold those. DPT for stablecoin checkout, BitPay for the multi-asset checkout option. They coexist cleanly side-by-side.
Settlement and Custody Model — The Most Important Operational Difference
The three platforms make different choices about who holds the funds in the moments between customer payment and merchant receipt. This is the single biggest operational distinction.
Managed, fast off-ramp
DPT’s settlement entity receives the customer’s USDC/USDT, executes the conversion (if you’ve selected USD settlement), and pushes USD to your bank or USDC to your wallet — same day. You never custody the customer’s payment directly.
Managed, multi-asset off-ramp
BitPay receives the customer’s crypto in whatever currency they paid, locks the price at receipt, and settles to your selected currency next business day. Handles the operational complexity of price-locking volatile assets.
Self-custody, on-chain
The customer’s payment fires directly to your wallet on the chain you configured. No intermediary holds the funds. Off-ramping to fiat is your responsibility through Coinbase or any other venue.
Stablecoin acquiring at 0.3% — get started on DPT
From 0.3% per transaction. Settle same-day to USD or USDC. No setup, no monthly minimum, no FX spread. Multi-chain support for USDC and USDT. Volume re-priced monthly.
See how DPT Acquire works · How to accept USDC payments · DPT vs Stripe
Frequently Asked Questions
Why is DPT cheaper than BitPay and Coinbase Commerce?
DPT focuses exclusively on stablecoin acquiring. The operational cost of accepting a USDC payment and settling to fiat or USDC is structurally lower than accepting BTC and price-locking the volatile leg before fiat conversion. The fee structure reflects that — 0.3% on a stablecoin-only stack vs 1% on a multi-currency stack.
Can I accept Bitcoin on DPT?
Not as a primary checkout flow. DPT focuses on USDC and USDT — both pegged to USD, both with deeper merchant-side and consumer-side adoption for payments. If accepting BTC is essential to your business, BitPay is the right choice for that surface.
Does Coinbase Commerce really cost zero?
On the self-custody plan, yes — there’s no per-transaction fee charged by Coinbase Commerce itself. You’ll pay on-chain network fees on settlement (passed through to you, not to the customer), and you’ll pay whatever conversion fees apply if you off-ramp to fiat through Coinbase or another exchange. The “free” only applies to the acquiring layer.
How fast does each settle to fiat?
DPT: same day to USD bank account during US banking hours. BitPay: typically next business day. Coinbase Commerce: not included in the product — you off-ramp manually whenever you choose to convert.
What about chargebacks across the three?
None of them have chargeback exposure — that’s a property of the underlying stablecoin/crypto rail, not the acquirer. All three settle on-chain, and all three depend on contractual dispute resolution between merchant and customer for goods-not-received cases.
Can I migrate from BitPay or Coinbase Commerce to DPT later?
Yes. The integration patterns are similar across all three (hosted checkout, embedded SDK, webhooks for order confirmation), so swapping the acquirer behind your existing checkout is typically a few days of engineering work. Many merchants migrate piecewise — keep the existing acquirer running, route new flows through DPT, then deprecate the old once they’re confident.
Which one has the best Shopify plugin?
All three publish official Shopify integrations. BitPay has the longest plugin history. DPT’s Shopify integration is current generation and supports the full DPT acquiring feature set. Coinbase Commerce’s Shopify integration shifted in scope after Coinbase’s 2024 product changes — verify current state in the Shopify App Store before committing.