Cryptopay offers access to 35+ cryptocurrencies and three fiat currencies for buying, selling, and exchanging with a 1% fee. The platform enables internal crypto transfers around the world with no fees.
Cryptopay; Exchange Information
Cryptopay, headquartered in Tallinn, Estonia, was founded by Dmitry Gunyashov and George Basiladze in 2013.

The company operates through multiple legal entities in various jurisdictions, including:
- CPS Solutions OÜ: Registered in Estonia (registry code: 16063623)
- UAB CPS Payments: Registered in Lithuania (registry code: 305736863)
- CPS Transfers Limited: Registered in England and Wales (company No. 10311113)
The platform supports cryptocurrency and fiat transactions, allowing European users to move between digital and traditional currencies.
Cryptopay Exchange Specifications
The crypto exchange has a $1B+ annual transaction volume. It supports 35+ crypto and three fiat currencies.
Exchange | Cryptopay |
Launch Date | 2013 |
Levels | No |
Trading Fees | 1% |
Restricted Countries | USA, US Outlying Islands, Afghanistan, Cambodia, Cuba, Iran, Iraq, Myanmar, North Korea, Somalia, Syria |
Supported Coins | 35+ |
Futures Trading | No |
Minimum Deposit | $10 |
Deposit Methods | VISA, MasterCard, SEPA, Faster Payments, Crypto |
Withdrawal Methods | SEPA, Faster Payments, Crypto |
Maximum Leverage | 1:1 |
Minimum Trade Size | $10 |
Security Factors | 2FA, MultiSig, Cold Storage, Automatic log out, Account auto lock |
Services | Spot Trading, Mobile Trading, Recurring Buy, Cryptopay Debit Card |
Customer Support Ways | Email, Live Chat, Chatbot |
Customer Support Hours | 8 AM – 8 PM (CET) on weekdays |
Fiat Deposit | Yes |
Affiliate Program | No |
Orders Execution | Market |
Native Token | CPAY |
Cryptopay Advantages and Disadvantages
In this Cryptopay review, we must highlight some advantages, such as its support of 80+ countries and its recurring buy feature (with a minimum investment of €10).

Let’s weigh the exchange’s advantages against its disadvantages.
Pros | Cons |
Multi-currency support | No cashback or rewards program |
Long-standing reputation | Lack of eWallet support |
User-friendly interface | Lack of advanced trading services like Margin and Copy Trading |
Crypto debit card services | No support for Apple Pay/Google Pay |
User Levels
The exchange doesn’t offer a tiered user level system for fee discounts and volume-based benefits. This approach might be a drawback for high-volume traders who seek VIP perks.
Cryptopay Exchange Fee Structure
The platform charges a 1% fee for exchanging cryptocurrencies to fiat (GBP/EUR/USD) and vice versa. Key points about Cryptopay fees:
Crypto Deposits | Free |
Crypto Withdrawals | Network Fee |
Bank Withdrawal | €2 / £2 |
Bank Deposit | Free |
Cryptopay Debit Card Load/Unload | 1% |
Inactivity Fee (13 – 15 months) | €10/month |
Inactivity Fee (16 – 18 months) | €30/month |
Inactivity Fee (19 months and more) | €50/month |
Cryptopay maintains accessible entry thresholds for new users. The minimum cryptocurrency deposit starts at just 0.00000001 BTC (or equivalent for LTC and ETH) and 0.000001 XRP. For fiat-based transactions, the minimum deposit is set at 10 USD, EUR, or GBP, whether via Visa/MasterCard or bank transfer.
The minimum trade size is also 10 USD/USDT. This low barrier to entry makes the platform ideal for beginners who want to start small without committing large amounts.
Cryptopay Listed Cryptocurrencies
The platform provides access to 35+ cryptocurrencies. However, some are unavailable for payment, which we’ll discuss later in this Cryptopay review. Some of the available digital assets on Cryptopay:
- Aave (AAVE)
- Algorand (ALGO)
- Basic Attention Token (BAT)
- Binance coin (BNB)
- Bitcoin (BTC)
- Cardano (ADA)
- Chainlink (LINK)
- Dai (DAI)
- Dogecoin (DOGE)
- Ethereum (ETH)
- Litecoin (LTC)
- Near (NEAR)
- OMG Network (OMG)
- Orchid (OXT)
- Polygon (MATIC)
- Ripple (XRP)
- Solana (SOL)
- Synthetix (SNX)
- Tether USD (USDT)
- Toncoin (TON)
- Tron (TRX)
- Uniswap (UNI)
- USD Coin (USDC)
- 0x (ZRX)

Does Cryptopay Support Futures and Margin Trading?
At the time of writing this Cryptopay review, the exchange doesn’t offer leverage options, Futures market, or Margin trading. The platform focuses on providing straightforward cryptocurrency buying, selling, and spending services rather than advanced trading features.
Cryptopay Exchange Registration and Verification
To sign up for an account and verify it on the Cryptopay mobile app, you must follow the steps explained below:
#1 Download and install the Cryptopay Mobile App
First, download the official Cryptopay app on your mobile device. Then, enter it to begin the account creation process.
#2 Provide Personal Information
Tap “Create Account" and follow the steps below:
- Select country of residence and citizenship;
- Fill in the account information;
- Verify your email address and phone number.
#3 Verify Your Account
Provide proof of identity (Passport or National ID card), a selfie, and proof of address (bank statement or utility bill) to verify your account.
Trading Platform and App
The exchange has developed a dedicated mobile application for Android and iOS users and a web-based platform. Cryptopay app download links:
Cryptopay Safety and Security
The company prioritizes the safety of clients’ funds by utilizing a combination of Hot Wallets, Cold Wallets, and MultiSig Technology. Cryptopay has also implemented various safety systems, including:
- Two Factor Authentication (2FA)
- Automatic log out after 10 – 15 minutes
- Account auto-lock after several failed password entry attempts
Available Payment Methods
The exchange supports VISA, MasterCard, Euro Bank Transfers (SEPA), GBP Bank Transfers (Faster Payments), and Crypto Transfers as free-of-charge deposit methods.
Users can also top up their accounts with the remaining balance of their Cryptopay debit card. The available methods for fiat withdrawals are as follows:
Withdrawal Method | Min Amount |
EUR Bank Transfer (SEPA) | €10 |
GBP Bank Transfer (Faster Payments) | £10 |
Note that the platform doesn’t support deposits and withdrawals of some cryptocurrencies and specific blockchains, including:
- Ankr (ANKR)
- Cosmos (ATOM)
- Decentraland (MANA)
- EOS (EOS)
- Ethereum Classic (ETC)
- Filecoin (FIL)
- Flow (FLOW)
- Icon (ICX)
- Kusama (KSM)
- Nano (XNO)
- Polkadot (DOT)
- Siacoin (SC)
- Tezos (XTZ)
- The Graph (GRT)
- finance (YFI)
Cryptopay Exchange User Satisfaction
There are 1,003 Cryptopay reviews on its Trustpilot profile, resulting in an average score of 3.5 out of 5. While 74% of comments are positive (4-star and 5-star), 23% of reviews on the Cryptopay Trustpilot profile are negative (1-star and 2-star).

Cryptopay Features
Unlike many other cryptocurrency exchanges, Cryptopay focuses exclusively on trading services and does not offer additional features.
Feature | Availability |
Staking | No |
Yield Farming | No |
Social Trading | No |
Liquidity Pool | No |
Gift Card | Yes |
Cryptopay Customer Support
The platform provides 24/7 support through a chatbot. However, the support team is available 8 AM – 8 PM (CET) on weekdays. Cryptopay contact channels:
- Live chat: Ask the chatbot to connect you to an agent
- Email: support@cryptopay.me
Does Cryptopay Offer Investment or Growth Plans?
At the time of writing this Cryptopay review, the platform doesn’t provide crypto staking services or an affiliate program. It doesn't offer crypto copy trading software, either.
Prohibited Countries on Cryptopay
Cryptopay services are unavailable to citizens and residents of the USA and its Outlying Islands due to U.S. financial regulations and digital currency policies. The services are also restricted in some other countries, including:
- United States of America
- Afghanistan
- Cambodia
- Cuba
- Iran
- Iraq
- Myanmar
- North Korea
- Somalia
- Syria

Users should always check their local laws and Cryptopay's terms of service to ensure they can legally use the platform in their country of residence.
Cryptopay in Comparison with Other Exchanges
Traders can understand the pros and cons of using Cryptopay services compared to other exchanges by referring to the table below.
Parameters | Cryptopay Exchange | |||
Number of Assets | 35+ | 1300+ | 2800+ | 800+ |
Maximum Leverage | 1:1 | 1:100 | 1:100 | 1:125 |
Minimum Deposit | $10 | Varies by Cryptocurrency | Varies by Payment Method | $1 |
Spot Maker Fee | 1% | 0.005% - 0.1% | From -0.005% | 0.005% - 0.1% |
Spot Taker Fee | 1% | 0.015% - 0.1% | From 0.025% | 0.02% - 0.1% |
Mandatory KYC | Yes | Yes | Yes | Yes |
Futures Trading | No | Yes | Yes | Yes |
Mobile Application | Yes | Yes | Yes | Yes |
Fiat Payment | Yes | Yes | No | Yes |
Staking | No | Yes | Yes | Yes |
Copy Trading | No | Yes | Yes | Yes |
Writer's Opinion and Conclusion
Cryptopay offers spot trading in cryptocurrencies such as BTC, ETH, XRP, and more against GBP, USD, and EUR. The exchange supports SEPA, Faster Payments, and VISA transactions and requires a minimum deposit of €10. The platform has a score of 3.5 out of 5 on Trustpilot.