BitPay, Coinbase Commerce and NOWPayments require the shopper to hold and send cryptocurrency. With ZenoraPay, shoppers pay by card like always — only your settlement is crypto.
The defining difference is who needs to hold crypto before checkout: your customer, or nobody.
| Capability | ZenoraPay | BitPay | Coinbase Commerce | NOWPayments | TripleA |
|---|---|---|---|---|---|
| Customer pays with | Card ✓ | Crypto wallet required | Crypto wallet required | Crypto wallet required | Crypto wallet required |
| Merchant settlement | Instant USDT/USDC | Crypto settlement | Crypto settlement | Crypto settlement | Crypto settlement |
| Customer crypto knowledge required | None | Yes | Yes | Yes | Yes |
| Chargebacks borne by merchant | None | N/A — but they lose every card shopper | N/A — but they lose every card shopper | N/A — but they lose every card shopper | N/A — but they lose every card shopper |
| Shopify one-click install | Yes | See provider site | See provider site | See provider site | See provider site |
| Conversion optimization suite | Included | Not included | Not included | Not included | Not included |
| Pricing | See ZenoraPay pricing | See provider site | See provider site | See provider site | See provider site |
Comparison is a high-level guide, not a representation by the named providers. Features, assets, settlement options, availability, and pricing can change and may vary by jurisdiction or plan. Confirm current details directly with each provider.
Crypto gateways are useful when buyers already have digital assets and a wallet. ZenoraPay starts from the checkout behavior most shoppers already understand—a card payment—and changes the merchant's settlement rail behind the scenes.
Customers stay in a familiar flow instead of leaving checkout to acquire crypto, choose a network, or connect a wallet.
Approved card payments convert into supported stablecoins and settle to your configured wallet, subject to required checks and network conditions.
100% merchant chargeback elimination — settlements are final the moment they hit your wallet. Card payments are converted and settled on-chain to your wallet in real time. Blockchain settlement is final — there is no mechanism by which those funds can be pulled back from you.
Crypto-native gateways only capture the tiny fraction of shoppers who already hold crypto; ZenoraPay captures 100% of card-paying shoppers while still delivering crypto settlement to the merchant.
Start with ZenoraPay or walk through the payment flow with our team.