The main difference between a BitPay alternative like InfraIO Pay and BitPay itself is what you receive and who holds it. BitPay is a custodial crypto-to-fiat gateway: it holds the payment, converts it, and settles the equivalent to your bank the next business day. InfraIO Pay is non-custodial and crypto-native: the buyer pays a stablecoin and it settles on-chain to your own wallet, so you keep dollars as USDC or USDT rather than routing them through a bank.
Bottom lineChoose InfraIO Pay if you want to hold stablecoins in your own wallet at a lower rate; choose BitPay if your priority is automatic conversion to fiat settled into a bank account.
Crypto-native vs crypto-to-fiat: which do you want?
BitPay's model is a crypto-to-fiat off-ramp: a customer pays crypto, BitPay converts it and settles fiat to your bank the next business day, holding the funds in between. That is useful if you want dollars in a bank and never want to touch crypto.
InfraIO Pay is the opposite by design: the buyer pays a dollar stablecoin and it settles on-chain to your wallet, so you hold USDC or USDT directly. There is no conversion spread and no bank in the loop, and because stablecoins track the dollar you are not exposed to volatility.
Custody and fees
BitPay is a custodial, licensed processor: your balance is held until settlement. InfraIO Pay is non-custodial, funds sweep from each order's deposit address to a wallet only you control. On cost, BitPay's published pricing is roughly 1-2% plus a fixed per-transaction fee; InfraIO Pay starts free and falls to a 0.3% floor with volume, with no fixed per-transaction fee. See pricing.
When BitPay still makes sense
If you specifically need automatic conversion to fiat settled into a bank account, and you prefer a custodian to handle that, BitPay is built for it. If you would rather keep the dollars as stablecoins in your own wallet, settle in minutes, and pay less, InfraIO Pay is the better fit.
Quick answers
- Does InfraIO Pay convert crypto to fiat like BitPay?
- No, and that is the point. InfraIO settles dollar stablecoins (USDC/USDT) to your wallet. You hold dollars on-chain rather than converting to fiat and settling to a bank. You can off-ramp yourself whenever you choose.
- Is InfraIO Pay cheaper than BitPay?
- Usually. InfraIO has no fixed per-transaction fee and a take rate that falls to 0.3% with volume, versus BitPay's roughly 1-2% plus a fixed fee. Compare against your real average order value.
- Do I keep custody of my funds?
- Yes. InfraIO Pay is non-custodial; funds settle to a wallet you control. BitPay is custodial and holds funds until it settles to your bank.
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