Wolf Pay vs BitPay
Wolf Pay vs BitPay for stablecoin payments
Wolf Pay vs BitPay compared: fees on real order sizes, what each includes, and when each is the better choice. Prices checked 27 October 2026.
Updated · Wolf Pay team
Wolf Pay is open in test mode: you can sign up, integrate and run test payments today. Live payments open once our custody partner goes live.
Key points
- BitPay: 2% + 25¢ per transaction under $500,000 a month (1.5% + 25¢ up to $1M, 1% + 25¢ above). Wolf Pay: 1% per payment with a $3 minimum, no monthly fee.
- On a $1,000.00 payment, Wolf Pay charges $10.00 and BitPay $20.25; on $50.00, $3.00 against $1.25.
- Wolf Pay keeps your money in USDT/USDC and adds bulk payouts to contractors and staff ($1 each).
- Prices from BitPay's public pricing page, checked 27 October 2026.
Fees side by side
| Payment | Wolf Pay (1%, $3 min) | BitPay (2% + 25¢ per transaction under $500,000 a month (1.5% + 25¢ up to $1M, 1% + 25¢ above)) |
|---|---|---|
| $50.00 | $3.00 | $1.25 |
| $200.00 | $3.00 | $4.25 |
| $1,000.00 | $10.00 | $20.25 |
| $10,000.00 | $100.00 | $200.25 |
Fees only, on one payment, at each provider's entry-level published pricing. Network fees are paid by the customer's wallet in both cases. Compare your own numbers with the fee calculator.
What BitPay publishes
- Fees are tiered by monthly volume: 2% + 25¢ under $500,000, 1.5% + 25¢ from $500,000 to $999,999, and 1% + 25¢ from $1,000,000.
- BitPay notes that higher fees apply to high-risk industries.
Source: BitPay pricing, checked 27 October 2026. Prices change; check their page before deciding.
When BitPay is the better choice
- Most of your orders are under about $137, where 2% + 25¢ is less than Wolf Pay's $3 minimum.
- You process over $1M a month and want BitPay's top tier.
When Wolf Pay is the better choice
- Your orders are above about $137 and your volume is under $1M a month: 1% beats 2% + 25¢.
- You want to be paid in stablecoins and pay people out in bulk ($1 per payout).
- You want USDT on TRON and USDC on low-fee networks like Base and Solana.
What Wolf Pay includes
- USDT on TRON, Ethereum and Solana; USDC on Base, Ethereum, Arbitrum, Polygon and Solana
- A hosted checkout, REST API, Node.js SDK and WooCommerce plugin
- Payment links and invoices with no code
- Bulk payouts to staff and contractors from your balance
- Refunds to the paying wallet, signed webhooks, team roles and two-factor authentication
- No monthly fee. 1% per payment, $3 minimum. See pricing.
Frequently asked questions
Is Wolf Pay cheaper than BitPay?
It depends on order size. Wolf Pay charges 1% with a $3 minimum; BitPay charges 2% + 25¢ per transaction under $500,000 a month (1.5% + 25¢ up to $1M, 1% + 25¢ above). On a $1,000.00 payment that's $10.00 with Wolf Pay and $20.25 with BitPay; on $50.00, $3.00 against $1.25.
Can I switch from BitPay to Wolf Pay?
Yes. Wolf Pay works alongside any other provider: create a test account, connect with the API, WooCommerce plugin or payment links, and move over when you're ready. There's no monthly fee or contract.