Stablevoy compared with NOWPayments, CoinPayments and BTCPay Server
All four let a WooCommerce store take crypto, but they are built for different stores. This page compares them on the points that matter most when you sell for USDC or USDT: who holds the money between the payment and your wallet, what it costs, what you have to provide to sign up, and what you have to run yourself.
| Point | Stablevoy | NOWPayments | CoinPayments | BTCPay Server |
|---|---|---|---|---|
| Who holds the money | Nobody: a contract forwards each payment to your wallet | Depends on the mode you choose: a custodial balance or payouts to your wallet | Payments arrive in a CoinPayments wallet, you withdraw from it | Nobody: payments go to your own wallet |
| Fee per payment | 0.5%, first 1,000 USD free | 1%, up to 1.5% with conversion | 0.5% for coins, 1% for tokens such as USDT and USDC | 0% |
| Signup | Wallet sign-in, no documents | KYC or KYB for fiat settlement and when AML checks are triggered | Account with CoinPayments | None: you run it yourself or use a shared server |
| What you can accept | USDC and USDT on 6 networks | 300+ coins | Many coins and tokens | Bitcoin and Lightning; USDT through a plugin |
| WooCommerce | Plugin | Plugin | Plugin | Plugin |
| Hosting | Nothing to run | Nothing to run | Nothing to run | Your own server or a shared instance |
Checked on 18 October 2026 on each provider's own website. Prices and terms change, so check them before you decide.
When Stablevoy fits
Stablevoy is for stores that want to take dollar stablecoins and keep the money in their own wallet from the first payment. You do not have to trust us with a balance, you do not send documents, and you do not run a server. The trade-off is a narrow choice of coins: only USDC and USDT, on networks where fees are cents.
When another option fits better
If your customers pay in Bitcoin, BTCPay Server is the better choice: it is open source, charges nothing and is built around Bitcoin and Lightning. It asks more of you, because you run the server or rely on someone who does. If you want hundreds of coins or automatic conversion to one currency, NOWPayments and CoinPayments offer that, with a fee that is higher for stablecoins and with your money passing through their system.
What "nobody holds the money" means here
With Stablevoy each invoice has its own deposit address, a contract with two fixed destinations: your payout wallet and the fee address. The contract has no owner and no upgrade, so it cannot be changed to send funds elsewhere. Forwarding is public, which means that if our service stops, you or anyone else can push the funds to your wallet from a block explorer. The contract code is published on GitHub and verified on each network's explorer.
Security and contracts