Alchemy Pay excels at global reach and fiat-crypto bridging because of its hybrid payment network and extensive regulatory licenses. For example, it supports direct fiat-to-crypto on-ramps via Visa/Mastercard in 173 countries and connects to over 300 local payment channels like Pix and PayNow. Its ACH token powers a rewards ecosystem, and its Ramp Network integration provides deep liquidity for merchant settlements.
LABS
Comparisons
Alchemy Pay vs Plisio: Hybrid Payment Gateway Analysis
A technical comparison of Alchemy Pay and Plisio for merchants and CTOs. We evaluate core features, global payment method support, settlement models, fees, and integration complexity to determine the optimal solution for fiat-crypto payment processing.
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introduction
THE ANALYSIS
Introduction: The Battle for Merchant Crypto Payments
Choosing the right crypto payment gateway is a critical infrastructure decision, with Alchemy Pay and Plisio representing two distinct philosophies in the space.
Plisio takes a different approach by prioritizing simplicity, fixed low fees, and direct blockchain settlements. This results in a streamlined API with a transparent 0.5% fee per transaction and direct payouts to a merchant's wallet, minimizing intermediary custody. Its strength lies in supporting a wide array of niche cryptocurrencies (like Dogecoin or Litecoin) and offering built-in tools for invoicing, donation widgets, and Lightning Network payments.
The key trade-off: If your priority is maximizing customer acquisition through flexible fiat payments, global compliance, and a tokenized loyalty system, choose Alchemy Pay. If you prioritize cost predictability, direct custody of funds, and straightforward integration for a crypto-native user base, choose Plisio.
tldr-summary
Alchemy Pay vs Plisio
TL;DR: Core Differentiators at a Glance
Key strengths and trade-offs for payment gateway selection.
01
Alchemy Pay: Global Fiat Ramp Leader
Unmatched global reach: Supports 300+ payment methods (Visa, Mastercard, Apple Pay) across 173 countries. This matters for global B2C applications like NFT marketplaces or DeFi platforms targeting broad, mainstream user adoption.
02
Alchemy Pay: Deep Web3 Integration
Native crypto ecosystem focus: Direct integrations with major wallets (MetaMask, Trust Wallet) and protocols. Offers On & Off-Ramp SDKs and Crypto Card solutions. This matters for dApps and Web3-native businesses seeking seamless, embedded finance experiences.
03
Plisio: Simplicity & Fixed Fees
Predictable, straightforward pricing: Simple percentage fee structure with no hidden gas costs. Offers invoicing and e-commerce plugins for Shopify, WooCommerce. This matters for SMBs and traditional e-commerce stores that prioritize budget predictability and easy setup.
04
Plisio: Merchant-First Tools
Built for online merchants: Features like mass payouts, donation widgets, and POS terminals. Lower barrier to entry for basic crypto acceptance. This matters for small-to-medium online businesses and content creators looking to add crypto payments with minimal development.
HEAD-TO-HEAD COMPARISON
Alchemy Pay vs Plisio: Feature Comparison
Direct comparison of key metrics and features for crypto payment gateway selection.
| Metric / Feature | Alchemy Pay | Plisio |
|---|---|---|
Supported Cryptocurrencies | 300+ | 30+ |
Fiat On-Ramp Coverage | 173+ countries | 100+ countries |
Average Processing Fee | 0.5% - 1% | 0.5% - 1% |
Settlement to Bank Account | ||
Direct Crypto-to-Fiat Conversion | ||
API Integration Complexity | Low (SDKs for 10+ languages) | Low (REST API) |
Mainnet Launch Year | 2018 | 2018 |
Recurring Billing / Subscriptions |
PAYMENT GATEWAY COMPARISON
Alchemy Pay vs Plisio: Cost & Fee Analysis
Direct comparison of fees, settlement, and supported assets for crypto payment processing.
| Metric | Alchemy Pay | Plisio |
|---|---|---|
Transaction Fee (Crypto Payments) | 0.5% + $0.30 | 0.5% |
Settlement Fee (Fiat Payouts) | 1% | 1% |
Minimum Payout Threshold | $1 | $20 |
On-Ramp / Buy Crypto Fee | ~2.0% | ~1.5% |
Supported Cryptocurrencies | 300+ | 30+ |
Chargeback Protection | ||
Instant Fiat Settlement |
pros-cons-a
KEY DIFFERENTIATORS
Alchemy Pay vs Plisio: Pros and Cons
A data-driven comparison for CTOs and payment architects choosing a crypto on-ramp. Focuses on global reach, compliance, and integration complexity.
01
Alchemy Pay: Global Fiat Coverage
Specific advantage: Supports 300+ fiat payment methods across 173+ countries, including regional giants like Brazil's PIX and India's UPI. This matters for global B2C applications targeting emerging markets where local payment rails are non-negotiable for user adoption.
173+
Countries
300+
Payment Methods
02
Alchemy Pay: Hybrid Payment Rails
Specific advantage: Unique Ramp Network enabling direct crypto-to-fiat settlement with merchants, bypassing exchanges. This matters for merchant services and SaaS platforms needing to accept crypto but settle in local currency, reducing volatility risk and operational overhead.
03
Plisio: Simplicity & Fixed Fees
Specific advantage: Straightforward, fixed-fee structure (e.g., 0.5% per transaction) with no hidden gas costs. This matters for SMBs and startups with predictable transaction volumes who prioritize cost certainty over complex, tiered pricing models.
pros-cons-b
Alchemy Pay vs Plisio
Plisio: Pros and Cons
Key strengths and trade-offs for crypto payment gateways at a glance.
01
Alchemy Pay: Global Fiat On-Ramp Leader
Specific advantage: Supports 300+ fiat currencies and 50+ cryptocurrencies. This matters for global e-commerce and DApp user onboarding, as it provides localized payment methods (Visa, Mastercard, Apple Pay, Google Pay, regional options) in 173 countries.
02
Alchemy Pay: Deep Web3 Integration
Specific advantage: Native SDKs for EVM, Solana, and major wallets (MetaMask, Phantom). This matters for DeFi protocols and NFT marketplaces needing seamless, in-app fiat-to-crypto conversions without redirects, enhancing user experience and conversion rates.
03
Plisio: Crypto-Only Simplicity & API
Specific advantage: Focused API for accepting 20+ cryptocurrencies with features like instant confirmations and low 0.5% processing fee. This matters for crypto-native businesses and SaaS platforms that prioritize a simple, reliable crypto payment flow without fiat complexity.
04
Plisio: Advanced Crypto Tools
Specific advantage: Offers shared wallets, crypto invoicing, and staking services directly in its dashboard. This matters for merchants and freelancers who need built-in tools for managing crypto payments, payouts, and generating passive yield on held balances.
05
Alchemy Pay: Higher Fee Structure
Specific trade-off: Transaction fees can be higher (typically 2-4%) due to fiat processing costs and network fees. This matters for high-volume merchants with thin margins, where Plisio's lower crypto-only fee of 0.5% may be more cost-effective.
06
Plisio: Limited Fiat Support
Specific trade-off: Primarily a crypto-to-crypto gateway with limited direct fiat off-ramps. This matters for businesses targeting mainstream users who need to cash out to local currency easily, a core strength of Alchemy Pay's global network.
CHOOSE YOUR PRIORITY
Decision Framework: When to Choose Which
Alchemy Pay for Developers
Verdict: The clear choice for building complex, scalable Web3 applications. Strengths: Offers a comprehensive, unified SDK and API suite covering fiat on-ramps, off-ramps, NFT checkout, and gas fee payments. Deep integration with major blockchains (Ethereum, Solana, Polygon) and wallets (MetaMask, Phantom). Provides advanced features like Smart Transaction Routing for optimal success rates and Web3 Subscriptions for recurring crypto payments. Superior documentation, dedicated technical support, and a developer dashboard for analytics. Key Tools: ACP Connect SDK, NFT Checkout API, Gasless Transactions.
Plisio for Developers
Verdict: A pragmatic, API-first solution for straightforward payment processing. Strengths: Simpler, more focused API for core invoicing and payment gateway functionality. Supports a wide array of cryptocurrencies (100+), which is beneficial for niche token projects. Lower barrier to entry with a straightforward setup process. However, lacks the depth of Alchemy Pay's Web3-native features, advanced wallet integrations, and gas abstraction services. Key Tools: Invoicing API, Payment Gateway, Payout API.
verdict
THE ANALYSIS
Final Verdict and Strategic Recommendation
Choosing between Alchemy Pay and Plisio hinges on your strategic focus: global crypto-fiat reach versus streamlined, cost-effective merchant integration.
Alchemy Pay excels at global, multi-chain crypto-fiat on/off-ramps because of its extensive network of over 300 payment channels and direct integrations with major blockchains like Ethereum, Polygon, and Solana. For example, its Hybrid Payments solution allows merchants to accept payments in crypto while settling in fiat, a critical feature for businesses targeting diverse international markets. Its robust API and SDK support for over 50 cryptocurrencies provide the flexibility needed for complex DeFi, NFT, and Web3 gaming applications.
Plisio takes a different approach by prioritizing simplicity and fixed-fee pricing for SMBs and e-commerce platforms. This results in a trade-off of a narrower cryptocurrency selection (around 20+ coins) but offers predictable costs with no hidden fees, which is a major advantage for merchants managing tight margins. Its strength lies in easy-to-implement plugins for platforms like WooCommerce, OpenCart, and WHMCS, enabling rapid deployment for online stores without deep technical expertise.
The key trade-off: If your priority is maximizing user reach with a vast array of payment methods and deep Web3 ecosystem integrations, choose Alchemy Pay. Its infrastructure is built for scale and interoperability within the broader decentralized application landscape. If you prioritize a straightforward, cost-predictable gateway for a core set of cryptocurrencies with minimal integration overhead, choose Plisio. Its model is optimized for traditional e-commerce merchants seeking reliable crypto acceptance without operational complexity.
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