Traders Union has analyzed financial markets for over 14 years, evaluating brokers based on 250+ transparent criteria, including security, regulation, and trading conditions. Our expert team of over 50 professionals regularly updates a Watch List of 500+ brokers to provide users with data-driven insights. While our research is based on objective data, we recommend that users perform independent due diligence and consult official regulatory sources before making any financial decisions.
Learn more about our methodology and editorial policies.
Pros & Cons
- Activities are under the supervision of the British regulator FCA;
- loyal requirements for the minimum deposit are 10 US dollars, pounds sterling, or euros when replenishing from a card;
- a wide range of instruments include Bitcoin + 36 altcoins;
- storage of crypto assets on hot and cold wallets;
- the ability to connect two-factor authentication for secure entry into the trading application;
- protection against phishing and brute force using multi-signature technology;
- professional support service in 7 languages and 24/7 chatbot.
- high exchange fees for trading and exchange;
- withdrawal commission for both fiat and cryptocurrencies;
- lack of effective investment solutions and no ability to trade with leverage.
Cryptopay is an online cryptocurrency exchange headquartered in London and registered with the Financial Conduct Authority (FCA). It has provided services since 2013, has its own CPAY token, and is currently available in 122 countries. Using the Cryptopay mobile app and web platform, you can buy, exchange, withdraw and store 37 cryptocurrencies. The Cryptopay exchange takes deposits in euros, US dollars, and pounds sterling, and also supports withdrawals in fiat currencies. It issues virtual and plastic Cryptopay Visa cards that can be used to pay online (including cryptocurrencies) or at physical sales outlets.
TU Expert Verdict
Cryptopay demonstrates moderate stability and can suit certain traders. Its conditions are acceptable, and feedback is mixed but reasonable. In my own tests, it performed adequately, though it lacks the consistency of higher-rated companies.
Top-5 Crypto Exchanges Traders Prefer
Cryptopay User Reviews
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Cryptopay Commissions and Fees
Score:This category evaluates trading costs and the transparency of deposit and withdrawal charges according to the Methodology. It covers spot and futures trading fees, P2P exchange costs, deposit/withdrawal fees, and tiered fee structures. The assessment ensures that fees are competitive and clearly disclosed, avoiding hidden or excessive costs. Each factor is scored based on defined criteria, contributing to the overall rating.7 /10Cryptopay received a 7/10 score for its trading fees. While Cryptopay is not the cheapest crypto exchange, the fees remain reasonable and competitive within the market.
- Spot fee below industry average
- Deposit fee may be applied
What are Cryptopay trading fees?
We analyzed Cryptopay’s crypto fees and compared them to the top two competitors, both of which hold high average positions in our rankings. To establish a comprehensive benchmark, we also calculated the average fee score based on an evaluation of over 100 cryptocurrency exchanges.
Cryptopay trading fees vs competitors
Cryptopay Nexus Trade CoinMetro Industry average Based on the evaluation of over 100 leading crypto exchanges Spot, maker fee (%) Maker fees are charged when liquidity is added to the order book. This occurs by placing a limit order below the current market price for buy orders, or above the market price for sell orders. 0 0.22 0.1 0.15 Spot, taker fee (%) Taker fees are charged when liquidity is removed from the order book. This typically happens when a trade is executed at the market price. 0 0.22 0.2 0.194 What are Cryptopay deposit and withdrawal fees?
Deposit fee, % Important! Even if an exchange does not charge fees for deposits and withdrawals, there can also be fees from the payment system or cryptocurrency network used by the user. For example, the network fee for USDT TRC20 is typically around $1. 1 Withdrawal fee, % 0.0005 BTC 0.01 ETH 1% - Fiat Does Cryptopay offer P2P trading?
No, Cryptopay does not support P2P transactions. However, you can explore the best alternatives in our dedicated list of top P2P exchange platforms, offering a variety of secure options for peer-to-peer transactions.
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Regulation and Safety
Score:Our evaluation encompasses several key factors, including government regulation, two-factor authentication (2FA), cold wallet storage of client assets, investor protection funds, KYC protocol adherence, year of foundation, and history of security breaches. Read more in our Methodology9.8 /10Cryptopay has earned a rating of 9.8/10, demonstrating strong security and regulatory compliance. This score suggests that the exchange is generally reliable and offers a solid level of protection for users.
- Cold wallet storage
- No successful hacks history
- Tier-1 regulation
- Government-regulated
- 2FA
- No facial recognition
- No investor protection fund
- Not U.S regulated
We also compared Cryptopay against the top two competitors with the highest scores in our overall ranking based on the most critical security indicators.
Cryptopay Security Factors Cryptopay OKX Coinbase Tier-1 regulation YesNoYesGovernment-regulated YesYesYesInvestor protection fund Provides compensation to users in case of financial loss due to unforeseen circumstances on the platform. NoYesYes2FA YesYesYesFacial recognition NoYesNoCold wallet storage The majority of user funds are held offline, reducing vulnerability to online attacks. YesYesYesSuccessful hacker attacks We review publicly available information on past security breaches to assess the exchange's security track record. NoNoYesIs Cryptopay a regulated crypto exchange? Regulation is crucial for the security and legitimacy of a cryptocurrency exchange. We assess the exchange’s regulatory status and its impact on platform reliability.
Cryptopay is regulated by a Tier-1 financial authority (e.g., in the U.S., UK, Germany, Spain, France, Australia, Singapore, or another jurisdictions with strict financial oversight). This ensures strong investor protection, compliance with stringent operational standards, and enhanced security for users trading on the platform.
Cryptopay is authorized or licensed in accordance with local regulations in the following regions: Lithuania.
Is verification (KYC) mandatory at Cryptopay?
Yes, KYC verification is mandatory at Cryptopay. You will need to complete the verification process before you can open an account and access the platform's full range of services.
Is Cryptopay available in the USA?
Cryptopay is not available in the USA due to regulatory restrictions. In some cases, access might differ by state, so we recommend confirming details with the platform’s support or checking the official website for the latest updates.
You may also consider the top 3 exchanges that are available in the USA and rank highly based on our methodology: OKX, Coinbase, Crypto.com .
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Deposit and Withdrawal
Score:We evaluated the deposit and withdrawal experience, considering several key factors such as the range of available methods, transaction processing speed, minimum deposit requirements, and associated fees. Read more in our Methodology.5.5 /10Cryptopay received a 5.5/10 rating for its deposit and withdrawal services. While Cryptopay covers basic payment options, the platform lacks some widely used methods that could improve user flexibility.
- Bank transfers for deposits and withdrawals
- Many cryptocurrencies for deposits and withdrawals
- Bank cards accepted for instant deposits
- No Google Pay option
- No P2P transfer option
Deposit and withdrawal options
Cryptopay supports the following deposit and withdrawal options: Bank transfers, Bank card, Crypto.
Cryptopay Deposit and withdrawal options vs competitors
Cryptopay OKX Coinbase Bank transfers YesNoYesBank card YesYesYesCrypto YesYesYesPayPal NoNoYesWhat is Cryptopay minimum deposit?
The minimum deposit at Cryptopay is 10 USD/USDT or 1 BTC. The minimum trade size is 10 USD/USDT, which also serves as the minimum amount required to start trading on the platform.
Cryptopay minimum deposit vs competitors
Cryptopay OKX Coinbase Minimum deposit, USD or USDT 10 10 10 Minimum deposit, BTC 1 5 1 Minimum trade amount, USD/USDT 10 1 2 Does Cryptopay support fiat money?
Cryptopay supports fiat currency trading and account funding. The following fiat currencies are accepted: USD, EUR, GBP.
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Supported Coins & Markets
Score:Evaluates the range of available cryptocurrencies, fiat currencies, and markets, as well as investment tools like staking, farming, and other yield options. Read more in the Methodology section.1.5 /10Cryptopay received a score of 1.5/10 in this category, indicating a modest offering of assets and markets. While Cryptopay covers essential trading functions, the number of supported coins, fiat currencies, and investment tools may be insufficient for users seeking more comprehensive options.
- Fiat currencies supported
- Other supported products
- Yield farming not available
- Crypto futures not available
Cryptopay supported coins and markets vs competitors
We compared Cryptopay with leading exchanges in terms of supported coins, NFT access, and derivatives like futures and options to help users assess the platform’s product range and trading flexibility.
Cryptopay OKX Coinbase Supported coins 4 600+ 400+ Futures/Perpetual contracts NoYesYesOptions NoYesNoNFTs NoYesYesTokenized Assets Digital tokens representing real-world assets, such as stocks, bonds, commodities, or real estate. NoYesYesTradFi Perps Perpetual futures contracts linked to traditional financial assets, such as stocks, indices, or commodities. NoYesYesPrediction Markets Markets where users trade contracts based on the outcomes of future events. NoNoNoOther Assets NoNoPre-IPO Cryptopay passive income options vs competitors
We also compared Cryptopay with top competitors in terms of passive income opportunities such as staking, farming, and copy trading, to help users evaluate the platform’s earning potential beyond regular trading.
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Customer Support
Score:We evaluated Customer Support at Cryptopay based on the availability of live chat, email, phone support, ticket systems, help center resources, 24/7 assistance, multilingual support, and response time. Our assessment focuses on support accessibility and responsiveness. Learn the assessment criteria3.6 /10Cryptopay provides below-average customer support, with noticeable limitations in communication channels, service availability, or additional assistance resources.
During TU testing, the exchange received a relatively low score for support accessibility and responsiveness. Users may face difficulties obtaining timely assistance with account access, deposits, withdrawals, or trading-related issues.
- Live chat support available
- Comprehensive help center available
- 24/7 customer support available
- Phone support unavailable
- Email support unavailable
Cryptopay Support Channels vs Competitors
Cryptopay OKX Coinbase Live Chat YesNoYesEmail Support NoNoNoPhone Support NoNoNoTicket System YesYesYes24/7 Support YesYesYesHelp Center / FAQ YesYesYesMultilingual Support NoNoYesContacts Foundation date 2013 Registration address 8 Devonshire Square, Spitalfields, London, EC2M 4PL Official site https://cryptopay.me/ Contacts info@cryptopay.me
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The availability of cold and hot wallets with MultiSig provides a high level of protection. Depositing from a small amount is convenient, although commissions on transactions are noticeable. The choice of cryptocurrencies is diverse, which makes the service interesting for storage and exchange.
Наличие холодных и горячих кошельков с MultiSig обеспечивает высокий уровень защиты. Пополнение от небольшой суммы удобно, хотя комиссии на операции заметны. Выбор криптовалют разнообразный, что делает сервис интересным для хранения и обмена.