CoinPayments vs NoHoldPay

The NoHoldPay side: settlement without a middle

Sign up with an email, connect the wallets you want paid, and every invoice from then on derives its own address from your material: fresh xpub-derived addresses on Bitcoin-family chains, per-payment forwarders that can pay only your treasury on Ethereum, TRON, and Solana, and reference-tagged payments to your own accounts on XRP, Stellar, and TON. Monero runs on a view key that can observe and never spend. Confirmation puts the money where it ends up. There is nothing to withdraw, so withdrawal fees, withdrawal minimums, and inactivity clauses have nothing to attach to.

Pricing is one number: 0.5% per confirmed payment, the same for coins, tokens, and stablecoins alike, deducted from a prepaid credit. That single-rate point matters against CoinPayments specifically: their published schedule doubles the rate to 1 percent for tokens, and stablecoins are tokens. A store doing most of its volume in USDT or USDC pays their doubled rate on almost everything. New accounts here start with $50 of credit, roughly the first $10,000 of volume free. Stablecoin customers without gas can pay through gasless checkout on eligible routes, and the Recovery Kit re-derives every forwarder address offline if we ever disappear.

What their User Agreement says happens to a payment

The clearest case for direct settlement is CoinPayments' own paperwork, re-papered 23 September 2025 and unusually candid. A payment lands at a deposit address of a wallet hosted by their Panama-incorporated counterparty and is credited to your account as Received Assets. Unless otherwise agreed, those assets sit pooled in a general multi-client omnibus wallet, and the agreement warns that an irreconcilable shortfall may be shared pro rata among users. It states that title remains with you, then cautions that a court may disagree and that assets could face creditor claims. None of this is hidden, and none of it is misconduct. It is what holding other people's money requires a platform to write down. A gateway that never receives the money has no such chapter to write.

Switching from CoinPayments

First, withdraw your CoinPayments balance through their flow, whatever you plan to do next. Then the migration here is an afternoon: account, wallets, plugin. WooCommerce and OpenCart stores swap in our extensions, custom carts re-point one API call and one webhook. EU merchants stranded by the July 2026 pause have a dedicated step-by-step migration guide with the dated facts collected in one place. Running both gateways in parallel during the switch works fine, since we never touch the same funds.

Where CoinPayments is the better fit

Outside the EU, a merchant who wants a spendable platform balance, a coin list longer than ours, and thirteen years of operating history gets all three there. The balance model is a legitimate preference: paying suppliers out of received funds, batching withdrawals on your own schedule, one dashboard for it all. If that is how you run treasury, and their verification and terms suit you, CoinPayments still does the job it has done since 2013.

Common questions

What does CoinPayments offer that NoHoldPay does not?

A spendable platform balance with automatic transfers, a much longer coin list, a personal wallet product, and operating history back to 2013. Merchants who want the platform to hold a float they can pay out of, rather than direct wallet settlement, are choosing the model CoinPayments is built around.

Can I still get my crypto out of CoinPayments?

Their platform documents withdrawals and automatic transfers to your own addresses, subject to per-coin network fees, and for EU and EEA accounts since July 2026 an identity-verified support process. The comparison point is that reaching your own revenue is a step with fees and conditions at all.

Is CoinPayments cheaper than NoHoldPay for Bitcoin?

On major coins their published rate is 0.5 percent, and our flat rate renders live at the top of this page. The gap opens on tokens and stablecoins, where their schedule doubles to 1 percent while ours stays flat, and on the clauses around the fee: withdrawal network fees, the 5.5 percent annual dormancy charge, and a published note that high-risk industries may pay more at their discretion.

Did CoinPayments leave the EU permanently?

Their pages say they are unable to serve EU and EEA clients after 1 July 2026 and that they are working to resume service, with no confirmed timing. We quote their wording rather than predicting. EU merchants who need to move now have a concrete path in our migration guide.