Accept stablecoin payments in minutes or launch your own fully branded crypto payment company — all powered by 3pay's multi-chain settlement engine. 0.1% fees. Every major blockchain. One platform.
Trusted by merchants and payment businesses across 40+ countries. Processing on Ethereum, Tron, BNB Chain, Solana, Polygon, Arbitrum, and more.
Built for Every Major Blockchain
Supported Tokens: USDT, USDC, DAI, BUSD, and 100+ tokens across all major networks.
Integrate 3pay into your website, app, or platform and start accepting stablecoin and cryptocurrency payments in minutes. Multi-chain support, automatic token conversion, instant settlement, and the lowest fees in the industry.
White-label the entire 3pay infrastructure and launch your own branded crypto payment gateway — in minutes, not months. Your brand, your domain, your merchants, your margins.
Sign up on 3pay in under two minutes. Choose whether you want to accept payments directly as a merchant or launch your own branded payment platform as a partner. No paperwork. No waiting. Instant access.
For merchants: grab your API keys, embed a checkout widget, or generate payment links. For partners: upload your logo, set your brand colors, choose your domain, configure your fee structure, and your branded platform is live.
Accept your first payment. Every transaction settles instantly across any blockchain. Monitor everything in real time through your dashboard. For partners — start onboarding merchants and watch your revenue grow with every transaction.
Your customer pays in USDT on Tron? You receive USDC on Ethereum. 3pay's exchange engine handles conversion automatically at the lowest rates.
3pay is built from the ground up with security at its core. Every transaction is monitored in real time.
All operational wallets use multi-signature protection requiring multiple approvals for any fund movement.
Every transaction is monitored in real time for anomalies, suspicious patterns, and potential security threats.
All API communications encrypted using TLS 1.3. API keys hashed and stored securely with AES-256 encryption.
Redundant failovers ensure your payments never stop. 99.9% uptime with continuous monitoring.
Independent third-party security audits and penetration testing. Responsible disclosure program for researchers.
Set your own markup on top of 3pay's 0.1% base rate and keep the difference. No cap on earnings, merchants, or volume.
| Monthly Volume | Your Markup | Your Revenue |
|---|---|---|
| $50,000 | 1.0% | $450/mo |
| $250,000 | 1.0% | $2,250/mo |
| $1,000,000 | 0.8% | $7,000/mo |
| $5,000,000 | 0.5% | $20,000/mo |
Revenue shown is after 3pay's 0.1% base rate. Exchange fees generate additional earnings.
Every 3pay partner gets access to a built-in referral engine. Refer other partners and earn a percentage of their transaction volume — not just for one month, but for as long as they process payments on the platform. Your referral network compounds over time, creating passive income that grows without additional effort.
| Feature | 3pay | NOWPayments | BitPay | Coinbase Commerce | CoinGate |
|---|---|---|---|---|---|
| Merchant Fee | 0.2% | 0.5% | 1.0% | 1.0% | 1.0% |
| White-Label Fee | 0.1% | Custom/High | N/A | N/A | N/A |
| White-Label Available | Full | Limited | No | No | No |
| Self-Serve White-Label | Yes | No | No | No | No |
| Built-In Affiliate Engine | Yes | No | No | No | No |
| Multi-Chain Support | 10+ chains | 8+ chains | Limited | Limited | 6+ chains |
| Cross-Chain Conversion | Built-in | Limited | No | No | Limited |
| Instant Settlement | Yes | Yes | Next day | Delayed | Varies |
No monthly subscriptions. No setup fees. No minimum volume. No contracts.
| Cross-chain / cross-token exchange | 0.5% |
| Blockchain network fees (gas) | At cost |
| Payouts | Gas only |
| Setup fee | Free |
| Monthly subscription | Free |
| Minimum volume | None |
"3pay let me launch my own crypto payment gateway in a single afternoon. My merchants don't even know 3pay exists — they see my brand, my dashboard, my invoices. And I earn on every transaction automatically."
"We switched to 3pay and cut our processing costs by 80%. The multi-chain support and instant settlement changed how we operate. Integration took less than an hour."
Whether you want to accept crypto payments for your business or build an entire payment company from scratch — 3pay gives you the infrastructure to do it in minutes. No banks. No middlemen. No limits.