QR Payment Crypto Providers

TL;DR: Flexa is the leader for retail POS with guaranteed settlement and widest asset support. NOWPayments offers payments from 1% (0.5% on some third-party reports, UNVERIFIED) with 300+ cryptos. Coinbase Commerce provides brand trust and easy integration. YODL Pay enables QR payments in emerging markets where merchants receive local fiat.

Data Sources: Developer Documentation, Fee Schedules, Integration Guides (re-checked 2026-10-15).

Verification Status: Re-checked 2026-10-15. Items that could not be confirmed from a primary page are marked UNVERIFIED. Scores live only in the main table QR_PAYMENTS.md; they are older estimates, and no script computes QR scores, so they were not recomputed. Values marked with "~" are approximate and should be verified on official provider websites before integration.

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💰 Fee Structure Analysis

Fees are critical for merchant adoption. QR payment providers typically offer lower fees than traditional card networks.

Key Insight: CoinGate lists 1% and NOWPayments from 1%; BitPay is tiered from 1% to 2% plus 25¢. Flexa's ~0.5% is UNVERIFIED (flexa.co lists no fee). Binance Pay settles in crypto only.

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🔲 QR Payment Technology

How QR Payments Work

1. QR Code Generation: Merchant generates a unique QR code for the transaction
2. Customer Scan: Customer scans QR with their crypto wallet app
3. Wallet Recognition: Wallet recognizes payment URI (bitcoin:, ethereum:, etc.)
4. Transaction Signing: Customer reviews and confirms payment
5. Settlement: Merchant receives confirmation and settlement

QR Code Standards

• Bitcoin URI: bitcoin:<address>?amount=<value>&label=<merchant>
• Ethereum URI: ethereum:<address>@<chainId>?value=<wei>
• EIP-681: Standard for Ethereum payment requests
• BIP-21: Standard for Bitcoin payment URIs

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1. Integration Methods

2. Wallet Compatibility

• Flexa: Works with most major wallets (docs list 112 payment currencies across 19 network labels, including Lightning; docs.flexa.co/payments/currencies, 2026-10-17)
• NOWPayments: Compatible with all standard crypto wallets
• Coinbase Commerce: Optimized for Coinbase Wallet, supports all
• BitPay: BitPay Wallet optimized, supports all Bitcoin wallets
• CoinGate: Universal wallet support
• YODL Pay: MetaMask, Ledger, Coinbase Wallet, Trust Wallet
• Binance Pay: Binance App, Trust Wallet, other compatible
• Alchemy Pay: Universal wallet support

3. Guaranteed Settlement

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🟢 Recommendation Guide

"I need..."

• ...to accept crypto at my retail store:

  • 👉 Flexa. Integrates with existing POS systems, guaranteed settlement, no chargebacks.

• ...the lowest fees and widest crypto support:

  • 👉 NOWPayments. from 1%, 300+ cryptocurrencies, non-custodial option.

• ...brand recognition and easy integration:

  • 👉 Coinbase Commerce. Trusted brand, good documentation, Shopify/WooCommerce plugins. Warning: Coinbase says Commerce is being replaced by Coinbase Business (US and Singapore businesses only) and the portal becomes inaccessible after 2026-03-31; current state UNVERIFIED, see notes at the end.

• ...Bitcoin-focused payments:

  • 👉 BitPay. Established Bitcoin payment processor, daily fiat settlement.

• ...EU compliance and local payment methods:

  • 👉 CoinGate. Strong EU focus, 10+ accepted crypto assets, MiCA-authorised (Bank of Lithuania, per coingate.com).

• ...to accept crypto in emerging markets:

  • 👉 YODL Pay. Local QR code scanning, merchants receive local currency, no bank account needed.

• ...zero fees for Binance ecosystem:

  • 👉 Binance Pay. P2P transfers without gas fees, 100+ cryptos for merchant payments. Merchant fee UNVERIFIED.

• ...hybrid fiat and crypto payments:

  • 👉 Alchemy Pay. Bridges fiat and crypto, ACH token rewards, global coverage.

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⚠️ Implementation Checklist

1. Choose Settlement Preference: Decide if you want to settle in crypto, fiat, or both
2. KYC/KYB Onboarding: Complete merchant verification with chosen provider
3. Integration Method: Choose widget, API, SDK, or POS integration
4. Testing: Use testnet/sandbox mode before going live
5. QR Code Display: Ensure QR codes are properly sized and scannable
6. Webhooks: Set up webhooks for payment confirmations
7. Fallback Options: Provide alternative payment methods

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Integration Guides

Flexa Integration

• Website: flexa.co
• Method: SDK/API integration with existing POS systems
• Documentation: Comprehensive API docs
• Support: Enterprise support available
• Key Feature: Connects directly to existing payment infrastructure

NOWPayments Integration

• Website: nowpayments.io
• Method: Widget, API, or plugins (Shopify, WooCommerce, PrestaShop)
• Documentation: Excellent API documentation
• Support: Email support, developer resources
• Key Feature: Non-custodial option, 300+ cryptos

Coinbase Commerce Integration

• Website: commerce.coinbase.com
• Method: Hosted checkout, embedded, or API
• Documentation: Good documentation
• Support: Coinbase support
• Key Feature: Brand trust, easy onboarding

BitPay Integration

• Website: bitpay.com
• Method: API, plugins, or BitPay Checkout
• Documentation: Merchant API docs
• Support: Merchant support
• Key Feature: Bitcoin focus, fiat settlement

CoinGate Integration

• Website: coingate.com
• Method: Web POS app, API, or plugins
• Documentation: Good API documentation
• Support: Email support
• Key Feature: EU compliance, web POS for physical stores

YODL Pay Integration

• Website: yodl.me
• Method: Mobile app for merchants
• Documentation: Limited public docs
• Support: In-app support
• Key Feature: Scan local QR codes (like Pix), merchants receive local fiat

Binance Pay Integration

• Website: pay.binance.com
• Method: API, QR code checkout
• Documentation: Binance Pay API docs
• Support: Binance support
• Key Feature: Zero fees, Binance ecosystem

Alchemy Pay Integration

• Website: alchemypay.org
• Method: SDK, API, or white-label
• Documentation: Developer docs available
• Support: Enterprise support
• Key Feature: Fiat-crypto bridge, ACH token rewards

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Provider-Specific Notes

Flexa

• Website: flexa.co
• Leader in retail crypto payments
• 99+ digital assets (flexa.co, 2026-10-17); the docs list 112 payment currencies across 19 network labels (docs.flexa.co/payments/currencies, 2026-10-17)
• Guaranteed settlement - no chargebacks
• Works with existing POS systems (Square, Clover, etc.)
• The SPEDN consumer app shut down on 2026-03-31 (support.flexa.co); Flexa continues with Flexa Payments and the Flexa SDK for merchants. The earlier retailer examples (Home Depot, Whole Foods) ran through SPEDN and are no longer shown as current

NOWPayments

• Website: nowpayments.io
• 300+ cryptocurrencies supported
• 1% starting fee (nowpayments.io pricing page, 2026-10-15)
• Non-custodial option available
• No KYC required for basic usage
• Plugins for major e-commerce platforms

Coinbase Commerce

• Website: commerce.coinbase.com
• Backed by Coinbase brand trust
• Full custody of payments
• Easy Shopify/WooCommerce integration
• Supports major cryptocurrencies
• Good for mainstream merchant adoption

BitPay

• Website: bitpay.com
• Oldest and most established (since 2011)
• Bitcoin-focused with altcoin support
• Daily fiat settlement
• Strong compliance and fraud prevention
• Tiered pricing: 2% + 25¢ under $500k/month, down to 1% + 25¢ at $1M+

CoinGate

• Website: coingate.com
• Strong EU compliance focus
• 10+ crypto assets (home page)
• Web-based POS for physical stores
• 1% payment processing fee (coingate.com/pricing)
• Good for EU-based merchants

YODL Pay

• Website: yodl.me
• Designed for emerging markets
• Live in Argentina, Bolivia, Brazil, Colombia, Peru, the Philippines and Vietnam; India, Switzerland and Thailand "coming soon" (yodl.me, 2026-10-15)
• Scan local QR codes (Pix in Brazil, Mercado Pago, VietQR, QR Ph, Yape/Plin, etc.)
• Pay with USDT/crypto, merchant receives local fiat
• Works without bank accounts or ATMs
• "Spend crypto like cash" approach

Binance Pay

• Website: pay.binance.com
• No gas fees on peer-to-peer transfers; merchant fee UNVERIFIED
• 100+ cryptocurrencies for merchant payments, 400+ for P2P
• Binance ecosystem integration
• QR code and customized checkout
• FATF compliant with Proof of Reserves

Alchemy Pay

• Website: alchemypay.org
• Hybrid fiat-crypto gateway
• QR code scanning and wallet connections
• ACH token rewards for merchants and customers
• Settles in local currency
• Global coverage with local payment methods

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Use Cases

Street Vendors & Small Merchants

• Recommended: YODL Pay
• No complex integration needed
• Works with local QR standards
• Instant local fiat settlement

E-Commerce

• Recommended: NOWPayments or Coinbase Commerce
• Easy plugin integration
• Wide crypto support
• Good documentation

Retail Stores

• Recommended: Flexa or BitPay
• POS integration
• Guaranteed settlement
• Chargeback protection

Enterprise

• Recommended: Alchemy Pay or Flexa
• White-label options
• Custom pricing
• Enterprise support

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Recheck log (2026-10-17, pass 3)

All items below stay UNVERIFIED; no cell changed.

Notes from the 2026-10-15 check

• Coinbase Commerce: Coinbase's help centre (help.coinbase.com, "Transitioning from Coinbase Commerce to Coinbase Business", seen through a search result because the page returned 403 to fetches) says Commerce is being unified with Coinbase Business, the Commerce portal becomes inaccessible after 2026-03-31, and Coinbase Business is open to US or Singapore businesses only. commerce.coinbase.com returned 502. Treat as discontinued for most merchants, but the current state is UNVERIFIED. The table status is set to Verify.
• Not re-checked (no primary figure found): Flexa merchant fee (flexa.co and docs list none; flexa.co says payouts carry zero conversion or custody fees); Binance Pay merchant fee and regions (pay.binance.com and the merchant fee FAQ returned an empty page to headless Chromium on 2026-10-17; Binance's own post lists seven LATAM and Asia QR countries for tourist payments: Argentina, Bolivia, Brazil, Colombia, Peru, Philippines, Vietnam); Alchemy Pay QR fees and rewards; CoinGate settlement time.