Choosing a crypto payout provider means balancing transaction costs, jurisdictional coverage, and regulatory compliance. BVNK, NOWPayments, Request Finance, and Triple-A represent four distinct approaches to crypto payouts, from enterprise-grade infrastructure backed by a card network to subscription-based tools with minimal licensing. This guide breaks down their fees, licensing status, and practical trade-offs.
bvnk vs request finance vs triple
NOWPayments: Low entry cost, broad asset support, limited regulation
NOWPayments operates as a consumer-facing crypto payment gateway with wide coin selection. The standard service fee sits at 1% for mono-currency payments and 1.5% when conversion between coins is required. Currency conversions within custody balances cost 0.5%. Payouts to external wallets carry zero service fees, with only blockchain network fees applying. Setup and integration are free. Eligible partners can negotiate custom deposit rates as low as 0.3%.
The platform supports 350+ cryptocurrencies and offers checkout pages, invoices, payment links, e-commerce plugins, subscription billing, and mass payouts via API or CSV upload. An optional custodial balance lets merchants hold funds, swap coins off-chain without network fees, and run bulk disbursements. ChangeNOW Pro email payouts are available for eligible partners at no service or network cost.
Regulatory coverage is the weakest point. NOWPayments is operated by FD Transfers LLC, registered in St. Vincent and the Grenadines with a postal address in Tallinn, Estonia. The company holds no published regulator licence and its Terms of Service explicitly exclude residents of the United States, the United Kingdom, the European Union, the UAE, and Russia. Network fees remain unpredictable on congested chains, and batching withdrawals through custody is the primary mitigation strategy.
| Fee Type | Rate |
|---|---|
| Mono-currency deposits | 1% (custom offers from 0.3%) |
| Multi-currency deposits | 1.5% |
| Custody balance swaps | 0.5% |
| External payouts | 0% service fee, network fee only |
| Fiat on/off-ramps | Provider-set, varies by method |
BVNK: Enterprise infrastructure, Mastercard-backed, contract pricing
BVNK targets mid-market to enterprise businesses processing at least $500,000 per month with six months of trading history. It does not publish a public price list; every merchant receives a bespoke quote negotiated through a dedicated account manager. Wallet custody and internal transfers between BVNK wallets are free. Conversion margins sit inside an all-in exchange rate sourced from global exchanges and OTC desks, with a pre-agreed commercial percentage layered on top. External sends and receives carry tiered fees based on volume. Onboarding fees, monthly platform fees, and minimum monthly commitments may apply where pre-agreed.
Regulatory posture and banking rails
BVNK’s regulatory standing is the strongest among these providers. It holds over 40 licences across the UK, EU, and US. Its Malta entity is authorised by the MFSA as an Electronic Money Institution and as a Crypto-Asset Service Provider under MiCA, passporting to 29 other EEA states. In the UK, System Pay Services Ltd is FCA-authorised as an electronic money institution. In the US, System Pay Services (US), Inc. is registered with FinCEN and licensed as a money transmitter in 38 states plus DC and Puerto Rico. BVNK accesses SEPA directly through the Bank of Lithuania’s CENTROlink system and lists Lead Bank and Cross River Bank as its US banking partners. Mastercard announced its acquisition of BVNK for up to $1.8 billion, completing the deal in August 2026 and launching the Global Money Platform combining Mastercard’s rails with BVNK’s stablecoin infrastructure.
BVNK supports major stablecoins and cryptocurrencies but has restricted certain assets for EEA customers since February 2026. Barred industries include adult content, unlicensed gambling, unlicensed FX/CFD, MLM, and crowdfunding. Direct and embedded payout models are available, with the latter designed for platforms and marketplaces that want to white-label stablecoin wallets and add their own markup to customer transactions.
Request Finance: Subscription-based, free stablecoin payouts, transparent bank off-ramps
Request Finance takes a fundamentally different approach by charging a fixed monthly subscription instead of per-transaction percentages. Plans range from free (invoicing only) through Starter at $50/month, Growth at $300/month, Pro at $600/month, and Enterprise priced on request. Every paid plan includes unlimited free stablecoin payouts regardless of volume. Off-ramping to bank accounts costs 1% plus $10 for local transfers or $30 for SWIFT on the Starter plan, reduced to 0.5% plus the same fixed fees on Growth and Pro. Funding a Business Account costs nothing for USDC top-ups, 0.30% for USDT and USD bank transfers, and 0.60% for EUR, BRL, MXN, and GBP bank top-ups. Yearly subscriptions include two months free.
For developers who need the underlying Request Network protocol rather than the hosted platform, a separate 0.9% protocol fee applies per transaction, capped at $500 per payment. Gas is included on EVM chains and a flat $3.99 covers Tron network costs. Operators can configure additional platform fees routed to their own wallet address.
Request Finance supports ACH, SEPA, SWIFT, and local fast payment rails across 190+ countries with virtual IBANs in 25+ currencies. KYB verification is required before going live. Batch payments, payroll, approval workflows, and integrations with QuickBooks Online, Xero, and NetSuite are available on higher tiers. Volume exceeding $100,000 per month qualifies for custom fee arrangements.
| Plan | Monthly Cost | Stablecoin Payouts | Off-Ramp Fee | Virtual Accounts |
|---|---|---|---|---|
| Free | $0 | Not included | N/A | 0 |
| Starter | $50 | Free | 1% + $10/$30 | 1 |
| Growth | $300 | Free | 0.5% + $10/$30 | Up to 3 |
| Pro | $600 | Free | 0.5% + $10/$30 | Up to 15 |
Triple-A: Multi-jurisdictional licensing, enterprise sales-led, opaque pricing
Triple-A positions itself as a globally licensed digital currency financial institution serving enterprises that process substantial volumes. Unlike NOWPayments’ self-serve model, Triple-A requires at least $100,000 per month in transaction volume and goes through a sales-led onboarding process that takes 3 to 14 business days for verification. Pricing is entirely undisclosed — fees and currency conversion spreads are negotiated at onboarding based on transaction volume, settlement arrangements, supported currencies, and risk profile. The terms allow a monthly minimum fee commitment with any shortfall deducted from the merchant’s balance. Triple-A does not charge separate safeguarding fees for customer funds unless disclosed in the agreement.
The licensing breadth is notable. Triple-A is licensed by the Monetary Authority of Singapore as a Major Payment Institution covering merchant acquisition, digital payment tokens, and cross-border money transfer services. In Europe, it operates through PayTop SAS, licensed by the ACPR as a Payment Institution under PSD2 and registered with the AMF as a Digital Asset Service Provider under MiCA, passporting across all 30 EU and EEA member states. In the US, Triple A Technologies Inc. is registered with FinCEN as a Money Services Business and holds Money Transmitter Licenses in Delaware, Michigan, Washington, and Florida. Additional registrations exist with FINTRAC in Canada and Bank of Canada oversight. The company maintains SOC 2 Type II certification and partners with 50+ banking institutions.
Triple-A supports stablecoin and cryptocurrency payments with instant fiat settlement directly to bank accounts, eliminating the need for merchants to hold digital assets on their balance sheet. Integration options include a WordPress WooCommerce plugin, a custom API for e-commerce and POS systems, and white-label remittance solutions. Refused industries include weapons, multi-level marketing, shell companies, nominee structures, and companies operating from sanctioned jurisdictions.
How the four compare on critical dimensions
Licensing clarity matters most for compliance teams and auditors. BVNK leads with explicit MiCA CASP, FCA EMI, and US state-level money transmitter registrations verified on official registers. Triple-A follows closely with MAS, ACPR, AMF, FinCEN, and multiple US state licenses. NOWPayments has no published regulator licence and actively excludes major Western jurisdictions. Request Finance’s compliance posture centres on mandatory KYB before go-live with audit-ready paper trails, but its specific regulatory classification depends on the jurisdiction and service layer used.
Fee predictability determines whether your finance team can forecast costs accurately. Request Finance wins here with flat monthly subscriptions and transparent off-ramp percentages. BVNK and Triple-A both require contract negotiation for pricing, though BVNK’s MiCA disclosure provides a reference framework for what to expect. NOWPayments publishes clear standard rates but network fees fluctuate with chain congestion.
The right choice depends on your operational profile. Enterprises needing regulated infrastructure with bank-grade compliance should evaluate BVNK or Triple-A first. Mid-market businesses wanting predictable costs with strong accounting integrations should start with Request Finance. High-volume merchants accepting diverse crypto assets with minimal setup overhead will find NOWPayments compelling despite its regulatory limitations.