Coinvay and ATLOS both target direct-wallet crypto acceptance. Coinvay may suit merchants prioritizing its current 0% invoice commission and dashboard workflow; compare total costs and activated features before choosing.
Published by Coinvay. Provider facts were checked against official sources on 27 October 2026. Availability, fees and terms can change. Coinvay’s 0% invoice commission excludes blockchain fees and optional merchant plans.
Start with the common ground
ATLOS describes itself as a non-custodial gateway with direct-to-wallet payments and no KYC onboarding. Its pricing page advertises 1% transaction fees, without a monthly gateway fee, subject to its stated adjustments. Those provider facts were checked on 27 October 2026.
Coinvay also sends invoice payments to merchant receiving wallets. This means a comparison should move beyond the word non-custodial: ask how each checkout identifies transfers, what your operations team sees when a payment is delayed, and how your store receives authoritative payment status.
| Area | Coinvay | ATLOS |
|---|---|---|
| Receipt model | Direct to merchant wallet | Direct-wallet, non-custodial |
| Invoice commission | Currently 0%; merchant plans separate | Advertised 1%; terms and discounts apply |
| Evaluation focus | Plan allowance and configured workflow | Account terms and activated workflow |
Compare the bill and the workflow
Coinvay currently deducts no percentage commission from invoice transfers. Optional merchant plans, plan limits and blockchain fees remain relevant. A low-volume shop and a large merchant can therefore reach different conclusions from the same pricing information; neither a percentage alone nor a subscription price alone is a complete cost model.
Separate visible settings from deployed services. Coinvay's automatic crypto billing interface requires configured contracts and a funded runner before collections can operate. An evaluation should test the actual service you need rather than counting similarly named menu items as equivalent capabilities.
A hypothetical merchant decision
Imagine a digital design studio issuing a few dozen invoices each month and keeping receipts in stablecoins. It could trial Coinvay's payment links, wallet configuration and testnet sandbox, then compare that experience with ATLOS for the same order. The studio should also test an expired checkout and record the steps support staff must take when a customer supplies a transaction hash.
For this studio, the better fit is the workflow it can reliably operate at its expected volume. This is a hypothetical evaluation, not a claim about either provider's performance or customer results.
Practical checklist
- Calculate monthly plan costs alongside transaction and network fees.
- Verify the exact coin and network combinations your customers will use.
- Test payment confirmation and fulfillment without relying on a browser redirect.
- Ask which recurring-payment components are actually configured.
Common questions
Is direct-to-wallet settlement unique to Coinvay?+
No. ATLOS also advertises direct-wallet, non-custodial payments. Evaluate implementation, operating cost and required integrations instead of treating this shared characteristic as an exclusive advantage.
Does 0% commission mean the payment costs nothing?+
No. Blockchain fees and optional Coinvay merchant plans are separate. Include those costs and your integration effort in the decision.
Sources and further reading
Primary references and Coinvay product documentation. Check the linked pages for current details.
AI-assisted drafting, published by Coinvay. Examples are illustrative. Read our editorial approach.