Software Alternatives, Accelerators & Startups

USDPAY.me VS FixedFloat

Compare USDPAY.me VS FixedFloat and see what are their differences

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USDPAY.me logo USDPAY.me

Accept USDT payments on your website with automatic confirmation and funds sent directly to your wallet.

FixedFloat logo FixedFloat

FixedFloat.com is an instant, fully automatic cryptocurrency exchange with Lightning Network.
  • USDPAY.me Overview
    Overview //
    2026-07-31
  • USDPAY.me Payments
    Payments //
    2026-07-31
  • USDPAY.me Subscription
    Subscription //
    2026-07-31
  • USDPAY.me Invoices
    Invoices //
    2026-07-31
  • USDPAY.me Integration
    Integration //
    2026-07-31

USDPAY is a crypto payment gateway that helps online businesses accept USDT payments directly on their websites.

Customers send USDT to the merchantโ€™s own wallet. USDPAY monitors the blockchain, verifies the payment, and notifies the merchantโ€™s website through an API or webhook. This allows the business to automatically activate a subscription, deliver a digital product, add account balance, or confirm an order after payment.

USDPAY is designed for SaaS products, online services, digital platforms, marketplaces, and other businesses that need automated crypto payment confirmation.

Key features:

  • USDT payments sent directly to the merchantโ€™s wallet
  • Automatic blockchain payment verification
  • API and webhook integration
  • Support for TRON (TRC20), BNB Smart Chain (BEP20), and TON
  • No chargebacks
  • Suitable for subscriptions and digital products
  • No need to manually check incoming transactions

USDPAY does not hold or withdraw merchant funds. The service only verifies transactions and sends payment status updates to the connected website.

  • FixedFloat Landing page
    Landing page //
    2023-05-07

FixedFloat.com is an instant, fully automatic cryptocurrency exchange with Lightning Network. With us, you can exchange cryptocurrencies in a few clicks and make profitable deals with fixed and floating rates, tailored to your needs.

No registration. No hassle. Just scan a QR code, and you are ready to exchange.

We guarantee:

The best rates. Every day we compare the rates of top instant exchanges. On FixedFloat our customers always make exchanges on the most favorable terms. Fair deals. To make the exchange process as transparent and fair as possible, we offer two? exchange options: Fixed rate (1%) and Float rate (0.5%). Rapid transactions. All stages of any transaction are trackable online. FixedFloat exchange transactions are designed to be performed at maximum speed and with maximum user convenience. Caring customer service. Real-time support is available 24/7 to deal with all queries and questions via Live chat, Facebook, Twitter, Telegram and many other channels and media. Security. We never store your funds. All exchanges take place automatically, after several confirmations of the blockchain network.

We have created FixedFloat for millions of cryptocurrency users around the world who need a reliable, trusted partner for digital exchange. We welcome any feedback and requests for additional/enhanced features to streamline your experience: contact us here or write to our support.

USDPAY.me

Website
usdpay.me
$ Details
freemium $29 / Monthly (Pro plan + 0.5% per confirmed payment)
Platforms
Web SaaS REST API Telegram
Release Date
2026 July
Startup details
Country
United States
State
CA
City
IRVINE
Founder(s)
EVGENII KONKIN
Employees
1 - 9

FixedFloat

Pricing URL
-
$ Details
-
Platforms
Browser
Release Date
2018 October

USDPAY.me features and specs

  • Direct-to-wallet payments
    Customers send USDT directly to your own wallet. USDPAY never receives or holds the funds.
  • Automatic payment confirmation
    Monitors the blockchain and automatically confirms invoices after the payment receives the required network confirmations.
  • Signed webhooks
    Automatically notify your backend when an invoice is paid or expires.
  • Supported USDT networks
    TRON (TRC20), TON and BNB Smart Chain (BEP20).
  • Hosted checkout
    A ready-to-use payment page where customers can select a network and complete their USDT payment.
  • REST API
    Create and track payment invoices from websites, applications, Telegram bots and other online services.

FixedFloat features and specs

  • Ease of Use
    FixedFloat offers an intuitive and simple user interface that allows for quick transactions without the need for extensive knowledge about cryptocurrencies.
  • No Account Required
    Users can exchange cryptocurrencies without needing to sign up for an account, which enhances privacy and speeds up the transaction process.
  • Fixed and Floating Rates
    The platform provides the option between fixed rates, which lock in the exchange rate at the time of the transaction, or floating rates, which may vary but could offer better deals.
  • Anonymity
    Because FixedFloat does not require account creation, transactions can remain relatively anonymous compared to services that require user registration.

Possible disadvantages of FixedFloat

  • Limited Coins
    FixedFloat supports a limited number of cryptocurrencies compared to other platforms, which may not meet the needs of users looking for a wider range of options.
  • No Fiat Support
    The platform only supports cryptocurrency-to-cryptocurrency exchanges; users cannot exchange fiat currency for cryptocurrency directly through FixedFloat.
  • Potentially Higher Fees
    While FixedFloat offers convenience, the fees may be higher compared to some other exchange platforms, particularly for smaller transactions.
  • Lack of Advanced Trading Features
    The platform is geared towards quick and straightforward exchanges and does not offer advanced trading features such as limit orders or margin trading.

Analysis of FixedFloat

Overall verdict

  • FixedFloat is generally considered a good option for users who seek quick and straightforward cryptocurrency exchanges. Its user-friendly interface, coupled with the option to select between different rate structures, makes it appealing to both novice and experienced crypto traders. However, like any financial service, users should ensure they are comfortable with the service terms and conduct personal due diligence.

Why this product is good

  • FixedFloat is often praised for its simplicity and efficiency in allowing users to exchange cryptocurrencies with fixed and flexible rates. The platform offers quick exchanges, simplicity without signing up, and competitive fees. Users value the ability to choose between fixed rates for security or floating rates for potentially better market prices.

Recommended for

    This platform is recommended for cryptocurrency enthusiasts who value speed and simplicity and may not require advanced trading features. It is ideal for users looking for a quick exchange without the need for extensive registration processes. It's also suitable for those who want flexible rate options and appreciate the transparency in transaction fees.

USDPAY.me videos

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FixedFloat videos

How easy it is to exchange Ethereum for Bitcoin using FixedFloat.com

Category Popularity

0-100% (relative to USDPAY.me and FixedFloat)
Crypto Payments
100 100%
0% 0
Cryptocurrency Exchange
0 0%
100% 100
Payment Gateways
100 100%
0% 0
Cryptocurrencies
0 0%
100% 100

Questions & Answers

As answered by people managing USDPAY.me and FixedFloat.

What makes your product unique?

USDPAY.me's answer

USDPAY combines direct-to-wallet USDT payments with automatic payment verification. Funds are sent directly from the customer to the merchantโ€™s own wallet, while USDPAY monitors the blockchain and notifies the merchantโ€™s website through an API or signed webhook.

This allows online businesses to automate order confirmation, subscription activation, account balance updates, and digital product delivery without manually checking transactions.

Why should a person choose your product over its competitors?

USDPAY.me's answer

USDPAY is designed for businesses that want a simple way to accept USDT without transferring control of their funds to a payment provider.

Merchants receive payments directly to their own wallets, can integrate through a REST API or hosted checkout, and receive automatic payment status updates through signed webhooks. USDPAY supports USDT on TRON, BNB Smart Chain, and TON, making it suitable for customers using different networks.

There are no chargebacks, no forced conversion to fiat, and no need to manually verify incoming blockchain transactions.

How would you describe the primary audience of your product?

USDPAY.me's answer

USDPAY is primarily built for online businesses that sell digital products or provide services automatically after payment.

Typical users include SaaS products, subscription services, Telegram bots and Mini Apps, digital marketplaces, hosting and VPN services, online tools, educational platforms, and other businesses that need to confirm crypto payments through an API or webhook.

What's the story behind your product?

USDPAY.me's answer

USDPAY was created to solve a practical problem faced by online businesses accepting cryptocurrency.

Receiving USDT directly to a wallet is simple, but automatically identifying the correct payment, waiting for blockchain confirmation, updating an order, and delivering a service usually requires custom development.

USDPAY provides this missing automation layer. It monitors payments, verifies transactions, and sends payment status updates to the merchantโ€™s system, while the funds remain in the merchantโ€™s own wallet.

Which are the primary technologies used for building your product?

USDPAY.me's answer

USDPAY is built around blockchain transaction monitoring for TRON, BNB Smart Chain, and TON.

The platform uses blockchain APIs, a REST API, signed webhooks, hosted web checkout pages, and backend payment verification services to detect, confirm, and report USDT transactions to connected merchant systems.

Who are some of the biggest customers of your product?

USDPAY.me's answer

  • VidKeep.app โ€” a browser-based video downloader and media tools service that uses USDPAY to accept USDT payments and automatically unlock paid access.
  • Gsim.me โ€” travel eSIM service that uses USDPAY to accept USDT payments and automatically confirm customer orders.

User comments

Share your experience with using USDPAY.me and FixedFloat. For example, how are they different and which one is better?
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Social recommendations and mentions

Based on our record, FixedFloat seems to be more popular. It has been mentiond 125 times since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.

USDPAY.me mentions (0)

We have not tracked any mentions of USDPAY.me yet. Tracking of USDPAY.me recommendations started around Jul 2026.

FixedFloat mentions (125)

  • Why do I get `Unknown Next Peer`? (beginner question)
    I've made a test transaction from another wallet and successfully received ~$5 payment. Now I'm trying to spend this amount. I generated a Lightning invoice with fixedfloat.com, I enter it in Dashboard -> Pay section, and I get this:. Source: about 3 years ago
  • Advice for Establishing/Maintaining Inbound Liquidity
    I remembered this service fixedfloat.com that will trade lightning for layer 1 btc at 0.5%. If it's useful, start with with small amounts, but I believe it's legit. Source: about 3 years ago
  • Why not use a LN wallet?
    So you want to deposit a large amount all at once into Breez wallet to get a large channel size. Then you'd swap out. https://fixedfloat.com/ fixed float is one example of a swap service, but there are others. Point is, when you're ready to dump to cold storage, you swap LN to on-chain using this service. Source: about 3 years ago
  • Is there a cheaper way to buy into Monero?
    Https://fixedfloat.com/ is your friend. Source: over 3 years ago
  • Fund wallet through coinjoin
    Also, look into swap services like https://boltz.exchange and https://fixedfloat.com. Source: over 3 years ago
View more

What are some alternatives?

When comparing USDPAY.me and FixedFloat, you can also consider the following products

Weelay - Non-custodial USDT TRC20 payment gateway with hosted checkout, API, webhooks, and direct-to-wallet settlements.

ChangeNOW - ChangeNOW is a non-custodial exchange service for fast and limitless coin swaps.

NOWPayments - NOWPayments is a crypto payment gateway that supports more than 300 cryptocurrencies, including fiat, and offers simple tools to accept crypto payments, like a crypto payments API, plugins, invoices.

SideShift AI - SideShift AI is an AUTOMATED COIN SWAP that allows USERS to swap between 20+ cryptocurrencies.

Merrchant - Start your Financial journey, let Merrchant guide you

SimpleSwap.io - SimpleSwap is a self-custodial multi-source swap aggregator