Comparison
Aliquot vs Cryptomus
Short answer
Choose Cryptomus if you want to accept many cryptocurrencies with free automatic conversion and negotiate your own rate. Choose Aliquot if you run a platform paid in USDT and USDC and need each payment split between seller, affiliates and your markup on a double-entry ledger, then paid out to wallets. Cryptomus states 2 % per transaction for new users, down to 0.4 % on request; Aliquot publishes 1.00 %, down to 0.50 % with monthly volume.
How do Aliquot and Cryptomus compare at a glance?
| Topic | Aliquot | CryptomusChecked on 1 November 2026 |
|---|---|---|
| Processing fee | 1.00 % of the base price at first, down to 0.50 % from 500,000 USD of monthly volume, by published tiers. | “Incoming payments from 0.4 %”: 2 % per transaction for new users, down to 0.4 % if you contact them. The rate depends on business type, monthly turnover, type of integration and other factors.[1] |
| Who pays the fee | fee_payer CUSTOMER (the default) adds the fee and your markup to the price; MERCHANT takes them from the seller’s share. | Per invoice, subtract (0–100) sets the share of the commission charged to the customer.[2] |
| Coins and networks | USDT and USDC only: Polygon PoS (USDT, USDC), BNB Smart Chain (USDT) and Base (USDC). | Bitcoin, Ethereum, Solana, Litecoin, Monero, USDT, USDC and other coins; free Auto-Convert of incoming payments, for example BTC to USDT.[1] |
| Settlement and custody | Stays in stablecoins, no conversion. Funds are held in wallets controlled by Aliquot until you pay them out; balances are kept per account, network and token. | Payments are credited to your Cryptomus balance; you withdraw manually, automatically on a schedule, or by API.[1][2] |
| Splits and affiliate payouts | Per invoice: a seller plus up to 20 percentage splits to partner accounts (affiliates), computed on the base price. | Per-payment splits are not published on the pages checked. Mass payouts are.[1] |
| Platform markup | markup_percent, 0–20 % per invoice, credited to your platform account. | A discount or extra commission of up to 100 % on each coin, charged to the customer.[1] |
| Ledger | Append-only double-entry ledger. Each invoice returns its posting, and balances are readable by API. | Not published on the pages checked. |
| Underpayments and overpayments | An underpaid invoice can be topped up before the window ends; an expired partial payment, and any excess, are held for the buyer as refunds. | An allowed underpayment of 0–5 %; a partially paid invoice can be surcharged, cancelled or marked as paid; overpayments “can be charged as bonuses”.[1] |
| Refunds | Only for money not owed to the seller (overpayments, expired partial payments, late or wrong-token transfers): the buyer claims it through a private link and pays only the network cost. There is no refund of a completed sale. | A merchant-initiated refund by API to an address, with the commission taken from your balance or from the refund (is_subtract).[3] |
| Payouts | From an account’s available balance to any 0x wallet: 1 USD + 0.1 % of the amount, with a two-factor step-up. | Automatic, API and mass payouts, with conversion. Transfers between Cryptomus wallets carry no commission; fees for withdrawals to external wallets are not published on the fees page.[1] |
| Sandbox | The same API, checkout, webhooks and ledger on Polygon Amoy, BSC Testnet and Base Sepolia, with free test tokens. | Test-webhook endpoints for payments, payouts and wallets (“no data is saved to the database”). A test-network sandbox is not published in the docs checked.[4] |
| Confirmations | Credited at 64 confirmations on Polygon PoS, 15 on BNB Smart Chain and 30 on Base. | Not published on the pages checked. |
How much do Cryptomus and Aliquot charge?
Cryptomus’ fees page headlines “incoming payments from 0.4 %” and explains that new users pay 2 % per transaction, with up to 0.4 % available if you contact them. The size of the fee depends on business type, monthly turnover, type of integration and other factors.[1]
Aliquot charges 1.00 % of the base price at first, down to 0.50 % from 500,000 USD of monthly volume, by the published tiers below; no contact is needed to move tier. fee_payer CUSTOMER (the default) adds the fee and your markup to the price; MERCHANT takes them from the seller’s share.
| Monthly volume | Fee on the base price |
|---|---|
| Up to 10,000 USD | 1.00 % |
| 10,000 – 50,000 USD | 0.85 % |
| 50,000 – 150,000 USD | 0.70 % |
| 150,000 – 500,000 USD | 0.60 % |
| Over 500,000 USD | 0.50 % |
Volume is per organization: the Live payments confirmed in the month. You get the better tier of last month and this month so far, and a new tier applies to the invoices created after you reach it. Over 500,000 USD a month, we can agree a rate with you.
Which coins and networks does each accept?
Cryptomus accepts Bitcoin, Ethereum, Solana, Litecoin, Monero, USDT, USDC and other coins, and can convert incoming payments to the currency you prefer at no charge.[1]
Aliquot accepts stablecoins only: Polygon PoS (USDT, USDC), BNB Smart Chain (USDT) and Base (USDC). Credited at 64 confirmations on Polygon PoS, 15 on BNB Smart Chain and 30 on Base.
Can I split a payment between sellers, affiliates and my platform?
Cryptomus publishes mass payouts and per-coin surcharges or discounts. Splitting a single payment by percentage between several parties is not described on the pages checked.[1]
On Aliquot, the split is part of the invoice: name the seller, add up to 20 partner shares and a markup of 0–20 %. Every share is computed on the base price, booked on the double-entry ledger and paid out from that account’s own balance.
How do refunds, underpayments and payouts work?
Cryptomus lets you refund an invoice by API to an address you give, choosing whether the commission comes from your balance or from the refund. It accepts underpayments within a tolerance you set (0–5 %), and lets you withdraw automatically, by API or in mass payouts, with conversion.[1][3]
Aliquot does not refund completed sales. It holds money that is not owed to the seller (an overpayment, an expired partial payment, a late or wrong-token transfer) for the buyer, who claims it through a private link. Payouts send an account’s available balance to a wallet for 1 USD + 0.1 % of the amount.
How do I test each integration?
Cryptomus documents test-webhook endpoints that send a test payment, payout or wallet webhook so you can check your signature handling; no data is saved.[4]
Aliquot’s Sandbox is a working environment, not demo data: the same API, checkout, webhooks and ledger on Polygon Amoy, BSC Testnet and Base Sepolia, with free test tokens. Nothing real moves.
When is Cryptomus the better choice?
- You want to accept many cryptocurrencies and convert them automatically, free of charge.[1]
- Your volume or business type gets you a negotiated rate, down to 0.4 %.[1]
- You want a tolerance for small underpayments, or to mark a partially paid invoice as paid.[1]
- You need to refund completed sales by API. Aliquot’s refunds only return money that is not owed to the seller.[3]
When is Aliquot the better choice?
- You are a platform paying sellers and affiliates: each payment is split into seller net, up to 20 partner shares, your markup and the fee, and booked on a double-entry ledger.
- You want a published fee that moves with volume and needs no negotiation: 1.00 % at first, 0.50 % from 500,000 USD a month.
- You want a Sandbox that runs the full flow on public test networks, not only test webhooks.
- You want confirmation thresholds published per network, and overpayments held for the buyer to claim back.
Sources
Official pages, all read on 1 November 2026. Numbers in brackets in the table point here. Prices and features change: check the source before you decide.
- [1]Cryptomus: Payment gateway feesChecked on 1 November 2026
- [2]Cryptomus API: Creating an invoiceChecked on 1 November 2026
- [3]Cryptomus API: RefundChecked on 1 November 2026
- [4]Cryptomus API: Testing webhookChecked on 1 November 2026
Aliquot figures come from the Aliquot documentation and the fee schedule the API charges with. /docs/payments
Try it in the Sandbox
Sandbox keys run the real API on test networks with free test tokens. Nothing real moves.