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B2BINPAY

B2BINPAY ReviewIs It the Right Payment Solution for Your iGaming Business?

Adequate

CryptoVerified
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By the Editorial Team · May 13, 2026

B2BINPAY is the crypto-only payment arm of B2Broker, the Estonia-rooted brokerage tech group. It processes deposits and payouts in 350+ digital assets across 10+ blockchains, settles in crypto or fiat (USD/EUR via SEPA and SWIFT), and offers a white-label crypto orchestration layer for banks, EMIs and gaming operators that want to launch their own branded crypto rail. Pricing starts at 0.4% on the Merchant tier and goes as low as 0.05% at enterprise volume, with no outgoing transaction fees. The footprint to date: 980+ merchants and $5.1B+ in incoming transactions disclosed in December 2025. The catches are honest ones — B2BINPAY does not serve the United States, does not hold a public MiCA CASP license at the brand level as of May 2026, has no pre-built SoftSwiss or EveryMatrix connectors, and shows recurring withdrawal and support complaints in independent reviews. For a forex broker, crypto exchange or operator outside the US that wants a low-fee crypto rail with a white-label option, B2BINPAY is on the shortlist. For a regulated EU casino that needs a clean MiCA paper trail today, look elsewhere.

Founded 2014Tallinn, Estonia350+ cryptocurrencies and tokens across 20+ blockchain networks. USDT and USDC supported across 10 major chains. Includes BTC, ETH, BNB, XRP, TRX, LTC, BCH, ADA, DOGE, SOL, and major ERC-20/BEP-20/TRC-20 stablecoins. Payment MethodsInstant Settlement
Best for:Forex/Crypto BrokersCrypto CasinosBanks & EMIs (white-label)US Operators
Most mentioned:#350+ Assets#0.05-0.4% Fees#B2Broker Group#El Salvador Licensed#$5.1B Processed#No US Coverage

Quick Info

TypeCrypto
Founded2014
HQTallinn, Estonia
PricingPercentage
APMs350+ cryptocurrencies and tokens across 20+ blockchain networks. USDT and USDC supported across 10 major chains. Includes BTC, ETH, BNB, XRP, TRX, LTC, BCH, ADA, DOGE, SOL, and major ERC-20/BEP-20/TRC-20 stablecoins.
SettlementInstant
6.5
Adequate

iGaming Score

iGaming Fit
3.5
Geographic Coverage
10.0
Security & Compliance
5.0
Fees & Pricing
10.0
Tech & Integration
6.5
User Trust
5.0
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Our iGaming Score: 6.5/10

Weighted scoring across six criteria

CriterionWeightScoreRating
iGaming Fit

Dedicated gaming page and casino solution exist, but no SoftSwiss / EveryMatrix / Slotegrator connectors and no public iGaming case studies

25%3.5Weak
Geographic Coverage

180+ countries operationally, blockchain-borderless. No US coverage by policy. Strongest regulated footprint in El Salvador and Estonia.

20%10.0Best-in-class
Security & Compliance

El Salvador CNAD PSAD + Bitcoin Service Provider (PSB) licenses. Sumsub KYC via parent B2Broker. No public MiCA CASP at brand level.

20%5.0Adequate
Fees & Pricing

0.4% baseline, 0.05% at enterprise volume, free outgoing transactions. Among the lowest published crypto rates in the category.

15%10.0Best-in-class
Tech & Integration

REST API + PHP SDK + Node.js DeFi SDK. Sandbox available. WooCommerce/Magento/PrestaShop plugins exist but are dated.

10%6.5Adequate
User Trust

Thin review record: 1 G2 review at 4.5/5, ~2 Trustpilot reviews, recurring withdrawal/support complaints on independent sites

10%5.0Adequate
Overall100%6.5Adequate

We score each provider on six criteria using a 1 to 10 scale. iGaming Fit carries the most weight at 25% because that is what matters most for gambling operators. Geographic Coverage gets 20%. Security and Compliance, Fees and Pricing, and Tech and Integration each get 15%. User Trust rounds it out at 10%. The final score is a weighted average of all six.

Score Explanation

Fees and asset coverage carry the score. 0.4% down to 0.05% on enterprise volume is the lowest published rate in our crypto processor set, and 350+ assets across 10+ chains beats every competitor except NOWPayments. Geographic Coverage is structurally borderless but capped by the explicit US exclusion and the absence of an EU MiCA CASP license at the B2BINPAY brand. iGaming Fit is the weakest dimension and reflects what is missing rather than what works: no SoftSwiss / EveryMatrix / Slotegrator pre-built connectors, no public casino case studies, no Estonian or Maltese gaming-payment marketing. Compare that with CoinsPaid (500+ casino clients, SoftSwiss-ready) and the gap is obvious. Security & Compliance is anchored by the El Salvador CNAD PSAD-0064 license and the earlier Bitcoin Service Provider license — solid for a LatAm regulatory base, weaker than holding MiCA or FIU Estonia at the brand level. Tech & Integration is a Good rather than Excellent score: REST API is fine, SDK coverage is thin (PHP archived in 2022, new TypeScript DeFi SDK from 2026), no mobile SDK. User Trust takes a hit from the thin retail review footprint plus recurring withdrawal and robot-support complaints surfacing on Liberty Reviews, Trustfinance and SourceForge. For a B2B-only processor, low review volume is expected — recurring complaints from the volume that exists is still a signal worth treating seriously.

Who Is B2BINPAY Best For?

Weighted scoring across six criteria

Recommended For

Forex and crypto brokers under B2Broker ecosystem. Forex and CFD brokers that already buy liquidity, MT4/MT5 white labels or CRM from B2Broker. The deposit/payout flow plugs into an ecosystem the back office already knows. Single contract, single onboarding, single account management surface. PU Prime is publicly named as one such operator. If you are running a non-US brokerage and want crypto deposits without standing up a new vendor relationship, B2BINPAY is the path of least resistance.

Crypto casinos outside the EU and US. Crypto-first casinos operating outside the US and the EU MiCA perimeter. Latin America, parts of MENA, Southeast Asia, CIS. The 350+ assets across 10+ blockchains cover everything a player base might want to deposit in, the 0.4% Merchant rate is competitive, and the El Salvador PSAD license gives a regulated processor in the same time zone as LatAm players. Operators on a Curacao license with no EU exposure can ignore the MiCA gap.

Banks and EMIs launching white-label crypto. Banks, EMIs and PSPs that want to launch their own branded crypto pay-in/pay-out and wallet product without building blockchain infrastructure. The White Label Orchestration Platform expansion (December 2025) is built for exactly this — a regulated institution gets stablecoin support, swaps, reporting and reconciliation on B2BINPAY rails, sets its own tiered fees and conversion markups, and keeps the customer relationship. This is where B2BINPAY competes with BVNK rather than CoinsPaid.

LatAm operators wanting an El Salvador-licensed processor. Operators with substantial enterprise volume (multi-million monthly in crypto deposits) who can negotiate down to the 0.05% rate floor. At that volume the all-in cost difference vs CoinsPaid at 0.8% mono-currency or NOWPayments at 0.5-1% is real. Combine 0.05% processing with free outgoing transactions and the unit economics on crypto deposits become genuinely attractive.

Not Recommended For

US-facing operators. Operators serving the United States in any meaningful way. B2BINPAY does not work in the US by policy. If a portion of your traffic comes from US players or if you hold a US gaming license, this is a non-starter. BitPay is the US-compliant crypto processor by default, with MSB licensing and a state-level coverage map. BVNK has all-50-US-state money transmitter coverage if you need stablecoin payouts in the US.

EU operators needing MiCA CASP today. EU-licensed casinos that need a MiCA CASP-licensed crypto processor today. B2BINPAY does not publicly hold a MiCA CASP license at the brand level as of May 2026. CoinGate operates under a Lithuanian MiCA license and is the cleaner path for European casinos that have to show MiCA-licensed counterparties on their compliance map. BVNK holds a full MiCA passport from Malta. Verify B2BINPAY's MiCA position directly before signing any EU contract.

SoftSwiss / EveryMatrix casinos wanting a connector. Operators on SoftSwiss, EveryMatrix or Slotegrator who want a pre-built connector. B2BINPAY does not publish iGaming-platform connectors. Integration is custom REST API work. CoinsPaid has SoftSwiss and Slotegrator connectors out of the box and 500+ casino clients running on them — for a platform-native operator that gap is significant and saves 1-3 weeks of integration time.

Operators expecting a clean retail review record. Compliance teams that require a clean independent-review track record. The retail review footprint is thin, but the negative reviews that do exist cluster around the same pattern: delayed withdrawals, robot replies to support tickets, no human escalation. These show up on Liberty Reviews, SourceForge and Trustfinance. They will surface in any due diligence review and require an explanation.

Crypto-native platforms that need a deep mobile-first developer experience. The PHP SDK is archived (last touched November 2022). The newer Node.js DeFi SDK is current but narrow. There is no native iOS or Android SDK. NOWPayments offers a broader plugin and library set for self-serve integration; BVNK ships modern server-side SDKs in seven languages.

Operators wanting a single provider for crypto and fiat card deposits. B2BINPAY is crypto-only. You will still need Nuvei, Solidgate or AstroPay alongside it for card acquiring, e-wallets and local payment methods. The fiat-settlement option only converts incoming crypto into USD/EUR — it does not let you accept fiat deposits from players.

Geographic Coverage

Supported regions and market focus

Regions

Europe
Asia-Pacific
Latin America
Middle East
Africa
CIS

Coverage Analysis

Operationally reaches 180+ countries because blockchain rails do not care about borders. The strongest regulated footprint sits in El Salvador, where B2BINPAY EL SALVADOR S.A. de C.V. holds both the CNAD PSAD-0064 Digital Asset Service Provider license (granted October 2025) and the earlier Bitcoin Service Provider (PSB) license from the Central Reserve Bank, supervised by the Superintendencia del Sistema Financiero. Estonia remains the operational and engineering hub through parent group B2Broker. The United States is explicitly excluded by policy — if you serve US players or hold a US gaming license, this is the end of the conversation. For European operators, the absence of a public MiCA CASP license at the B2BINPAY brand level (as of May 2026) is the open question. The parent group is pursuing broader EU licensing, but until the brand itself holds MiCA, EU casinos that need to show MiCA-licensed counterparties on a compliance map should verify the position directly before contracting. CoinGate operating under Lithuanian MiCA and BVNK under Maltese MiCA are the cleaner paths for that specific requirement.

Regional Breakdown

LatAm is the most interesting regional bet B2BINPAY has made. The El Salvador PSAD license is rare — only a handful of crypto processors hold it — and gives a regulated rail in the same time zone as LatAm-facing operators. Combined with the 980+ merchant base that already skews emerging-market, B2BINPAY is a real candidate for Curacao or LatAm-licensed casinos. CIS coverage runs deep through B2Broker's brokerage client base. MENA is reachable but without dedicated local infrastructure or compliance overlay — for serious MENA operations PayTabs or local rails work better. Southeast Asia and India are accessible through standard crypto rails. Africa is technically reachable but lightly served. The pragmatic read: B2BINPAY is best understood as a global crypto rail with a LatAm regulatory anchor, not a regional specialist for any single market.

Key Features for iGaming Operators

Products, payment methods, and verticals

Key Products

Crypto Payment Gateway, Wallet-as-a-Service, White Label Crypto Payments Orchestration, B2BINPAY DeFi App (non-custodial), Mass Payouts, Crypto Invoicing

Three customer-facing models plus the orchestration layer. Enterprise is the volume tier with the lowest fees (down to 0.05%) and the $1,000 onboarding fee — built for high-volume brokers, exchanges and institutional clients. Merchant (Fiat Settlement) takes incoming crypto and converts it to USD or EUR at the time of deposit, paying out through SEPA or SWIFT — the standard model for an iGaming operator that wants to accept crypto but keep its books in fiat. Merchant (Crypto Settlement) keeps both legs in crypto and is the cheapest model for crypto-native platforms. The fourth product, the White Label Crypto Payments Orchestration Platform, was expanded in December 2025 and targets banks, EMIs and PSPs that want to launch branded crypto pay-in/pay-out and wallet stacks on B2BINPAY rails. Add the B2BINPAY DeFi App (launched February 2026) for non-custodial processing where the institution holds the keys, and the product matrix covers most of the operational shapes a non-US crypto rail buyer might want.

Payment Methods

350+ cryptocurrencies and tokens across 20+ blockchain networks. USDT and USDC are supported across 10 major chains — Ethereum (ERC-20), Tron (TRC-20), Binance Smart Chain (BEP-20), Solana, Polygon, Arbitrum, Optimism, Avalanche and others. Native asset coverage includes BTC, ETH, BNB, XRP, TRX, LTC, BCH, ADA, DOGE, SOL plus a long tail of ERC-20 tokens. Fiat settlement covers USD and EUR via SEPA and SWIFT. Crypto settlement is instant on-chain. For a casino accepting deposits, the player flow is standard: select crypto at checkout, send from a wallet, the casino credits the player balance once the network confirms — seconds for USDT on Tron, 10-20 minutes for Bitcoin, near-instant for Solana and most L2s. No chargebacks on any crypto transaction since blockchain settlement is final. Compare with NOWPayments at 350+ coins, CoinsPaid at 20+, CoinGate at 70+ — the coin count effectively ties with NOWPayments and beats most of the rest of the field. For 90% of crypto-deposit volume the difference between 350 and 70 supported assets does not matter (BTC, ETH and USDT dominate). For the long-tail of meme coins and emerging tokens it does.

Verticals

B2BINPAY's primary client base is forex/CFD brokers and crypto exchanges sitting under the parent B2Broker ecosystem. iGaming is a stated focus — there is a casinos solution page and a gaming page on the marketing site — but B2BINPAY does not publish casino case studies, named operator references or platform integrations. CoinsPaid has 500+ named casino clients and pre-built SoftSwiss/Slotegrator connectors; B2BINPAY does not. The honest read is that B2BINPAY is a horizontal crypto processor that serves iGaming as one vertical among many, not a gambling-first specialist. For an operator running on Curacao or a non-EU license that just needs a low-fee crypto rail, that is fine. For a SoftSwiss-based casino on MGA that wants iGaming-specific tooling, CoinsPaid is the natural choice. Other supported verticals: eCommerce (via plugins), marketplaces, hedge funds, travel agencies and now banks/EMIs through the White Label Orchestration Platform.

Forex/CFD brokersCrypto exchangesiGaming (casinos and sportsbook)Banks/EMIseCommerceMarketplacesHedge fundsTravel
Methods
350+ cryptocurrencies and tokens across 20+ blockchain networks. USDT and USDC supported across 10 major chains. Includes BTC, ETH, BNB, XRP, TRX, LTC, BCH, ADA, DOGE, SOL, and major ERC-20/BEP-20/TRC-20 stablecoins.
Crypto
Native (crypto-only)
Currencies
BTC, ETH, USDT, USDC, BNB, XRP, TRX, LTC, BCH, ADA, DOGE, SOL, 350+ tokens total, USD (fiat settlement), EUR (fiat settlement)
iGaming
0
FeatureStatusDetails
Deposit Processing350+ cryptocurrencies and tokens across 20+ blockchain networks. USDT and USDC supported across 10 major chains. Includes BTC, ETH, BNB, XRP, TRX, LTC, BCH, ADA, DOGE, SOL, and major ERC-20/BEP-20/TRC-20 stablecoins. payment methods, Near-instant (1 blockchain confirmation; off-chain transfers are instant)
Withdrawal / PayoutNear-instant (crypto), 24h (fiat via SEPA/SWIFT)
Instant WithdrawalsNear-instant (crypto), 24h (fiat via SEPA/SWIFT)
KYC / AML Built-inFull auto
Chargeback ProtectionZero (crypto)
Multi-CurrencyBTC, ETH, USDT, USDC, BNB, XRP, TRX, LTC, BCH, ADA, DOGE, SOL, 350+ tokens total, USD (fiat settlement), EUR (fiat settlement)
API IntegrationREST API + PHP SDK + plugins
Local Payment Methods350+ cryptocurrencies and tokens across 20+ blockchain networks. USDT and USDC supported across 10 major chains. Includes BTC, ETH, BNB, XRP, TRX, LTC, BCH, ADA, DOGE, SOL, and major ERC-20/BEP-20/TRC-20 stablecoins. methods across multiple categories
iGaming Specialization350+ assets across 10+ chains, white-label orchestration for banks/EMIs, three settlement models (Enterprise / Merchant Fiat / Merchant Crypto), El Salvador CNAD + PSB licenses, B2Broker group backing
Geographic Coverage180 countries across Europe, Asia-Pacific, Latin America, Middle East, Africa, CIS

Pricing & Fee Structure

Fee structure and pricing model

Pricing & Fee Structure

Percentage pricing model

Percentage
Deposit Fee

0.4% standard, down to 0.05% at enterprise volume

Withdrawal Fee

0% on outgoing transactions (blockchain network fee passed through)

Settlement

Instant

Methods

350+ cryptocurrencies and tokens across 20+ blockchain networks. USDT and USDC supported across 10 major chains. Includes BTC, ETH, BNB, XRP, TRX, LTC, BCH, ADA, DOGE, SOL, and major ERC-20/BEP-20/TRC-20 stablecoins.

Rolling Reserve

None (crypto settlement is final on-chain)

FX Markup

Bundled inside swap/conversion rate (custom)

Setup / Monthly

$500 Merchant / $1,000 Enterprise (onboarding)

Integration Fee

$500 (Merchant) / $1,000 (Enterprise) one-time onboarding

Revenue Share

Yes

Pricing Details

Three published tiers and they actually publish them, which is rare for crypto processors. Merchant model starts at 0.4% per incoming transaction and drops to 0.25% at higher volumes — for context that beats CoinGate at ~1% and matches NOWPayments at the low end of 0.5-1%. Enterprise model starts at 0.4% and goes all the way down to 0.05% at the top tier, threshold-locked for the rest of the calendar month once a volume break is hit. No outgoing transaction fees — payouts are free on the B2BINPAY side, blockchain network fees pass through on chains that charge them (Ethereum, Bitcoin, Tron), and Off-Chain transfers inside the platform are instant and free. Setup fees were reset in 2022: $500 for Merchant onboarding, $1,000 for Enterprise onboarding (down from $1,500). No rolling reserves. No monthly minimums published. For a casino processing $500k monthly in crypto-to-fiat deposits, B2BINPAY at the 0.4% Merchant rate costs ~$2,000 per month, versus ~$7,500 at CoinsPaid 1.5% crypto-to-fiat conversion or ~$2,500-5,000 at NOWPayments depending on tier. At $5M monthly volume on the Enterprise tier where 0.05-0.1% is achievable, B2BINPAY becomes structurally cheaper than every published competitor. Worth confirming the actual achievable rate during the sales process — published 0.05% rates are floor numbers that require real volume.

Negotiation Tips

Negotiate the Enterprise rate hard if your monthly crypto volume is north of $1M. The 0.05% floor is real but it is a floor — most operators land in the 0.1-0.25% range and the difference is purely a function of how clearly you can show committed monthly volume. Get the volume-tier breakpoints in writing before signing: when does the rate drop from 0.4% to 0.25%, from 0.25% to 0.15%, and so on. Confirm the swap/conversion spread separately if you are taking fiat settlement — the spread is bundled into the conversion rate and can quietly eat 0.5-1% on top of the headline processing fee. Compare the all-in cost honestly: B2BINPAY at 0.4% Merchant + 1% conversion is ~1.4% all-in for crypto-to-fiat, versus CoinsPaid at 1.5% + 0.5-1% FX (~2-2.5% all-in) or NOWPayments at 0.5-1% + 0.5% conversion (~1-1.5% all-in). For pure crypto-to-crypto settlement (Merchant Crypto model) B2BINPAY is one of the cheapest options on the market. Ask about white-label terms separately if you are a bank or EMI — that pricing is bespoke and not in the public Merchant/Enterprise table.

Speed & Settlement

Transaction processing and settlement timelines

Deposit

Near-instant (1 blockchain confirmation; off-chain transfers are instant)

Player-initiated
Withdrawal

Near-instant (crypto), 24h (fiat via SEPA/SWIFT)

Operator payout
Settlement

Instant

To operator account
Currencies

USD, EUR (fiat via SEPA/SWIFT), USDT, USDC, BTC + 350+ digital assets

Settlement options
Refund ProcessingManual reverse transaction (crypto is irreversible by design)

Crypto deposits confirm as fast as the underlying blockchain allows. USDT on Tron settles in seconds. Bitcoin takes 10-20 minutes for a single confirmation, though many merchants credit after zero confirmations for smaller amounts. Ethereum mainnet is 1-3 minutes. Solana and other L2s are near-instant. Off-Chain transfers between B2BINPAY accounts are instant and carry no fee. Crypto payouts are processed in real time and the only delay is the blockchain itself. Fiat settlement via SEPA arrives same-day or T+1 within the EU; SWIFT settlement for USD takes 1-2 business days. No rolling reserves, no settlement holds beyond standard banking timing. Refund processing is operationally a separate reverse transaction since crypto cannot be charged back — refunds are as fast as a normal payout, typically under an hour for crypto. Mass payouts handle batch processing for affiliate commissions, player withdrawals and treasury operations with no published cap on volume or transaction count. Updated May 2026.

Integration & Tech

Developer experience and technical capabilities

API Type

REST API + PHP SDK + plugins

Onboarding

2-4 weeks

Sandbox

Separate sandbox environment with its own API key/secret pair. Documented at docs.b2binpay.com. Used to test deposits, payouts and webhook callbacks before production cutover.

Mobile SDK

No

White-Label

White Label Crypto Payments Orchestration Platform (expanded Dec 2025). Banks, EMIs, PSPs and gaming operators can launch branded crypto pay-in/pay-out and wallet services on B2BINPAY infrastructure. Tiered fees on deposits/withdrawals and swap markups are configurable by the licensee.

Docs Quality

Good

Integration Time

1-3 weeks

View API Documentation

Integration Assessment

REST API over HTTPS with API key authentication and webhook callbacks for deposit and payout status. Documentation at docs.b2binpay.com is functional and complete enough to integrate against — rated Good rather than Excellent because it lags Stripe/Adyen/Nuvei polish. Server-side SDK coverage is uneven: the official PHP API client (github.com/b2binpay/api-php) is archived as of November 2022 and runs at 8 GitHub stars, which is honest about adoption. The newer defi-sdk-nodejs (TypeScript, MIT, last pushed April 2026) is the active development surface for non-custodial use cases. E-commerce plugins for WooCommerce, Magento 2 and PrestaShop exist but have not been touched since 2019 — usable, not maintained. No native iOS or Android mobile SDK. Sandbox environment runs in parallel to production with separate API keys, which lets a development team build and test deposit/payout flows before cutover. Webhook callbacks deliver status changes for deposits and payouts. Integration timeline is 1-3 weeks for a custom backend, longer for white-label setups. Compare with NOWPayments where a plugin install gets you live in minutes, and with Nuvei at 2-4 weeks for a full PSP integration. B2BINPAY sits in the middle — slower than self-serve crypto gateways, faster than full PSP onboarding.

Risk & Compliance

Licensing, fraud prevention, and regulatory compliance

KYC/AML AutomationFull auto
Chargeback ProtectionZero (crypto)
LicensesEl Salvador CNAD PSAD-0064 (Digital Asset Service Provider), Bitcoin Service Provider (PSB) license from Central Reserve Bank of El Salvador
Fraud PreventionBlockchain analytics, AML transaction monitoring, Travel Rule
Responsible GamingNo
TokenizationNo
Dispute ResolutionOperational dispute via account manager (no on-chain dispute layer)

Compliance Context

El Salvador CNAD PSAD-0064 (Digital Asset Service Provider) license granted October 2025, supervised by CNAD and the Superintendencia del Sistema Financiero. Covers transfer of digital assets, custody, fiat-to-crypto and crypto-to-crypto exchange. The earlier Bitcoin Service Provider (PSB) license from El Salvador's Central Reserve Bank covers Bitcoin-specific exchange and wallet operations. KYC and KYB are powered by Sumsub — confirmed via the Sumsub customer case study covering parent group B2Broker, which is the same compliance backbone B2BINPAY runs on. Standard sanctions screening, PEP and adverse media checks, source-of-funds verification, transaction monitoring and Travel Rule data exchange for transfers above thresholds. Blockchain analytics for wallet risk scoring (provider not publicly named — typically Chainalysis or TRM-tier for licensed processors at this scale). No public ISO 27001, SOC 2 Type II or PCI DSS certifications visible at the B2BINPAY brand as of May 2026 — verify directly during due diligence. The honest gap: no MiCA CASP license at the brand level, no Estonian FIU license at the brand level (the Estonian regulator is FSA from 2026 anyway), and no PCI DSS certification published. For a crypto-only processor PCI DSS is less applicable, but ISO 27001 and SOC 2 are table stakes for enterprise compliance review. BVNK holds both. CoinsPaid holds ISO 27001 and CCSS Level 3. B2BINPAY's regulatory story is weighted toward LatAm rather than European compliance infrastructure.

About B2BINPAY: Company Background

Company and product information

Company NameB2BINPAY
HeadquartersTallinn, Estonia
Founded2014
EmployeesDisclosed counts vary widely: LinkedIn lists 51-200, Tracxn 15, PitchBook 5 — none verifiable. Part of B2Broker Group (much larger). Treat as undisclosed.
Company TypePrivate (subsidiary of B2Broker Group, founded by Arthur Azizov and Evgeniya Mykulyak)
Product TypeCrypto
LicensesEl Salvador CNAD PSAD-0064 (Digital Asset Service Provider), Bitcoin Service Provider (PSB) license from Central Reserve Bank of El Salvador
Key ProductsCrypto Payment Gateway, Wallet-as-a-Service, White Label Crypto Payments Orchestration, B2BINPAY DeFi App (non-custodial), Mass Payouts, Crypto Invoicing
Supported VerticalsForex/CFD brokers, Crypto exchanges, iGaming (casinos and sportsbook), Banks/EMIs, eCommerce, Marketplaces, Hedge funds, Travel
Integration TypeREST API + PHP SDK + plugins
Settlement SpeedInstant
Onboarding Speed2-4 weeks
Notable ClientsPU Prime, B2Broker brokerage clients, online forex/crypto brokers, online casinos (unnamed)

Company History

B2BINPAY launched in 2014 as the crypto payment arm of B2Broker, the Estonia-headquartered brokerage technology group founded by Arthur Azizov and Evgeniya Mykulyak. B2Broker's core business is selling liquidity, MT4/MT5 white labels and CRM software to forex and crypto brokers; B2BINPAY started as the deposit/payout layer for that brokerage client base. Early versions of the product supported a handful of major coins (BTC, ETH, LTC) and were essentially a back-office tool for B2Broker's own customers.

Through 2018-2022 the product expanded into a standalone payment gateway with a public website, REST API and e-commerce plugins for WooCommerce, Magento 2 and PrestaShop. The v17 release in September 2023 was the inflection point — new pricing (Merchant 0.4%, Enterprise from 0.4% down to 0.05%, free outgoing transactions), three explicit merchant models (Enterprise, Merchant Fiat, Merchant Crypto), expanded token support and a redesigned website. Setup fees came down from $1,500 to $1,000 for Enterprise and to $500 for Merchant. By mid-2025 the platform had 800+ customers and $3.5B+ in processed volume.

2025-2026 brought regulatory and product moves. October 2025 saw the El Salvador CNAD PSAD-0064 license granted to B2BINPAY EL SALVADOR S.A. de C.V., adding a Digital Asset Service Provider license to the existing Bitcoin Service Provider license from the Central Reserve Bank. Athletic Club (Spanish La Liga side that qualified for the 2025/26 UEFA Champions League) sleeve sponsorship was renewed for another season — a visible marketing spend in a B2B-only product. The White Label Crypto Payments Orchestration Platform was expanded in December 2025 to target banks, EMIs and PSPs. December 2025 disclosures show 980+ merchants and $5.1B+ in incoming transactions. Major releases V23, V24 and V25 were consolidated in January 2026 for scalability. February 2026 launched the B2BINPAY DeFi App for non-custodial processing. The company remains privately held under B2Broker.

What Users Say: Trustpilot & Review Analysis

Our analysis of 0 reviews from Trustpilot and industry sources

Trustpilot Presence

Notable Clients

PU Prime, B2Broker brokerage clients, online forex/crypto brokers, online casinos (unnamed)

Disclosed merchant count is 980+ as of December 2025, with $5.1B+ in incoming transactions processed. Specific named clients are thin — PU Prime is the publicly cited brokerage example. The customer base skews toward forex/CFD brokers and crypto exchanges that already buy other B2Broker products. Gaming and casino clients exist but B2BINPAY does not publish names or case studies in the way CoinsPaid does. Volume and merchant count signal real scale; absence of named iGaming references means the iGaming positioning is more aspirational than proven.

Operational Details

Business terms, contracts, and support

Dedicated Account ManagerYes — enterprise account managers via B2Broker sales
Minimum Monthly VolumeNo published minimum volume threshold. Merchant model accepts smaller operators; Enterprise tier is volume-led, with the lowest 0.05% rates reserved for high-volume processors.
Contract Lock-InN/A
Migration SupportNo
Min/Max TransactionN/A
Mass PayoutsInstant + batch, No published limit
Biometric / One-ClickNo
ReportingDashboard + API + webhooks

Part of B2Broker Group (Arthur Azizov, founder). Athletic Club (Spanish La Liga / UEFA Champions League) sleeve sponsorship renewed for 2025/26 season. $5.1B+ incoming transaction volume and 980+ merchants disclosed December 2025. Major releases V23, V24 and V25 consolidated January 2026 for scalability. B2BINPAY DeFi App (non-custodial) launched February 2026 for crypto-native platforms. White Label Orchestration Platform expanded December 2025 for banks/EMIs/PSPs. Withdrawal and support complaints surface in independent reviews — track them in due diligence.

Frequently Asked Questions

10 questions about B2BINPAY

Our Verdict: Should You Use B2BINPAY?

Final assessment for iGaming operators

Adequate

Overall iGaming Score

Summary

B2BINPAY is a low-fee, broad-coverage crypto-only payment processor with strong product depth for forex brokers, crypto exchanges and white-label-seeking banks/EMIs. Pricing is excellent, asset coverage rivals the market leader (NOWPayments), and the El Salvador CNAD PSAD-0064 license gives a real regulatory anchor in LatAm. It is also explicitly not for the US, not currently a clean MiCA story for EU casinos, has no SoftSwiss/EveryMatrix connectors, and shows a consistent pattern of withdrawal and support complaints in the thin retail review record that does exist.

Strongest Point

Pricing and asset breadth. 0.4% Merchant rate dropping to 0.05% at enterprise volume is the lowest published crypto processing fee in our database, and 350+ assets across 10+ chains effectively ties NOWPayments at the top of the market. Combined with free outgoing transactions, no rolling reserves and the broad fiat settlement option (USD/EUR via SEPA/SWIFT), the unit economics on crypto deposits are genuinely attractive — particularly for operators processing seven figures monthly who can negotiate down the Enterprise rate.

Key Limitation

Regulatory positioning outside LatAm and the support track record. The El Salvador licenses are real but they do not cover what EU casinos need (MiCA CASP), what UK operators need (FCA-equivalent crypto registration), or what US operators need (state money transmitter or MSB). The Estonian roots through parent B2Broker do not translate into Estonian FIU or FSA licensing at the B2BINPAY brand. Stack that against recurring withdrawal-delay and robot-support complaints from independent reviews and the operational risk picture is meaningfully higher than for CoinGate, BVNK or CoinsPaid.

Recommendation

Use B2BINPAY if you run a non-US, non-EU-MiCA-constrained operation that wants the lowest published crypto processing fees in the market and broad asset coverage. Forex/CFD brokers in the B2Broker ecosystem are the natural fit; Curacao-licensed casinos with substantial crypto deposit volume come next; banks/EMIs that want to launch white-label crypto are a real third use case. Skip B2BINPAY if you need US coverage (BitPay or BVNK instead), if you need a MiCA-licensed counterparty for EU compliance (CoinGate or BVNK), if you run on SoftSwiss and want a plug-and-play connector (CoinsPaid), or if your compliance team will be uncomfortable with the support track record surfacing in vendor diligence. For operators above $1M monthly crypto volume, push hard on the Enterprise rate negotiation — the published 0.05% floor is real but achievable rates land in the 0.1-0.25% range without committed volume. Updated May 2026.

Pros

  • Lowest published crypto processing fees in the category. 0.4% Merchant rate dropping to 0.25% at scale, 0.4% Enterprise rate dropping to 0.05% at top volume. No outgoing transaction fees on the B2BINPAY side. CoinGate sits around 1%, CoinsPaid at 0.8% mono-currency or 1.5% crypto-to-fiat, NOWPayments at 0.5-1%. B2BINPAY structurally undercuts the whole field at enterprise volume.
  • 350+ cryptocurrencies and tokens across 20+ blockchain networks, with USDT and USDC supported across 10 major chains. Effectively ties NOWPayments at the top of the asset-coverage market and beats CoinsPaid (20+) and CoinGate (70+) substantially on raw breadth. For operators with players who deposit in long-tail tokens, this matters.
  • Three explicit merchant models — Enterprise, Merchant (Fiat Settlement), Merchant (Crypto Settlement) — plus a White Label Crypto Payments Orchestration Platform for banks/EMIs/PSPs. Published settlement options in both USD and EUR via SEPA and SWIFT mean a casino can accept crypto and keep its books in fiat without a separate FX layer.
  • El Salvador CNAD PSAD-0064 license granted October 2025 plus the earlier Bitcoin Service Provider (PSB) license from the Central Reserve Bank. Rare regulatory anchor in LatAm — only a handful of crypto processors hold both. Real for any operator with LatAm players or with a regulatory map that benefits from a non-EU, non-US licensed counterparty.
  • Backed by B2Broker, an established 10-year-old brokerage technology group. Existing forex/CFD and crypto exchange clients of the parent get a single contract and single onboarding for liquidity, MT4/MT5 white labels, CRM and crypto payments. Operational scale of $5.1B+ processed across 980+ merchants by December 2025 is real, not pre-product traction.
  • No rolling reserves, no monthly minimums published, no chargebacks (crypto is settlement-final on-chain). The capital efficiency picture is cleaner than any card-based PSP — no merchant cash locked up earning nothing, no chargeback-driven clawbacks, no reserve negotiations every quarter.

Cons

  • No US coverage by policy. If you serve US players or hold a US gaming license, B2BINPAY is a non-starter — there is no path through this. BitPay and BVNK are the US-compliant alternatives. This is the most binary limitation in the entire product.
  • No public MiCA CASP license at the brand level as of May 2026. For EU-licensed casinos that need to show MiCA-licensed payment counterparties on a compliance map, this is a material gap. CoinGate (Lithuanian MiCA) and BVNK (Maltese MiCA) are the cleaner European choices today. Verify B2BINPAY's MiCA position directly during sales conversations.
  • Recurring withdrawal and support complaints in the thin retail review record. Liberty Reviews, SourceForge and Trustfinance carry the same pattern: 5+ day withdrawal delays, robot replies to support tickets, ignored escalation emails, refused SWIFT transfer confirmations. The volume of reviews is small but the shape of the complaint is consistent — operational, not incidental. Will surface in any vendor diligence.
  • No SoftSwiss, EveryMatrix or Slotegrator pre-built connectors. Integration is custom REST API work regardless of platform. CoinsPaid has pre-built connectors and 500+ casino clients running on them — for a platform-native operator the integration-time difference is meaningful (days vs weeks).
  • Thin developer ecosystem. Only 2 public GitHub repos — the official PHP SDK is archived (November 2022) and the newer Node.js DeFi SDK is narrow and TypeScript-only. WooCommerce/Magento 2/PrestaShop plugins exist but have not been touched since 2019. No native iOS or Android mobile SDK. Compared with BVNK shipping modern SDKs in seven languages, this is a real gap for engineering-led operators.
  • No published ISO 27001, SOC 2 Type II or PCI DSS certifications at the brand level. PCI DSS is less applicable for a crypto-only processor, but ISO 27001 and SOC 2 are table stakes for enterprise compliance review and B2BINPAY does not show them publicly. BVNK has both, CoinsPaid has ISO 27001 and CCSS Level 3. Treat as an open due-diligence item.

Ready to evaluate B2BINPAY for your business?

B2BINPAY vs. Alternatives: How It Compares

Similar payment processing solutions

Pick by primary constraint. If you need US coverage, BitPay holds the MSB license and BVNK has all-50-state money transmitter coverage. If you need MiCA-licensed counterparty for EU compliance, CoinGate operates under a Lithuanian MiCA CASP and BVNK under Maltese MiCA. If you run on SoftSwiss and want a plug-and-play crypto connector, CoinsPaid is the iGaming specialist with 500+ casino clients and pre-built integration. If you want the fastest self-serve onboarding and the broadest plugin set, NOWPayments deploys in minutes. If you need a fiat acquiring partner to pair with B2BINPAY's crypto rail, Nuvei or Solidgate cover the card and e-wallet side; AstroPay handles LatAm local methods.

When to Choose an Alternative

CoinGateCoinGate

Choose CoinGate if MiCA licensing matters for your EU compliance framework. Lithuanian MiCA CASP, 70+ cryptos, clean operational track record. Higher fees than B2BINPAY (~1%) but the regulatory paper trail is what you are paying for.

CoinsPaidCoinsPaid

Choose CoinsPaid if you run a casino on SoftSwiss, Slotegrator or any iGaming-platform that benefits from a pre-built crypto connector. 500+ named casino clients, EUR 9.1B processed in 2024, iGaming-specialist team and tooling. Two notable 2023-2024 security incidents to weigh.

NOWPaymentsNOWPayments

Choose NOWPayments if you want the fastest self-serve onboarding, broad plugin coverage and 350+ coin support without minimums. Better retail review record than B2BINPAY. Less white-label depth and less LatAm regulatory anchoring.

BitPayBitPay

Choose BitPay if you need US compliance. MSB licensing covers US operations that B2BINPAY cannot touch. Stricter onboarding, $200k minimum volume, 12-month contracts — but it is the path through US regulatory exposure.

BVNKBVNK

Choose BVNK for stablecoin-first enterprise payouts at global scale. MiCA passport (Malta), all-50-US-state money transmitter coverage, SOC 2 Type II + ISO 27001. Mastercard acquisition agreement (March 2026) validates the institutional positioning. More expensive and enterprise-only — no self-serve Merchant tier.

NuveiNuvei

Pair with Nuvei when you need a fiat card-acquiring layer alongside B2BINPAY's crypto rail. 720+ payment methods, 50+ local acquiring markets, dedicated iGaming connectors. Covers everything B2BINPAY does not — cards, e-wallets, local methods, fiat smart routing.

Often Paired With

Providers that complement B2BINPAY

CoinsPaid

CoinsPaid

Crypto Processor
6.4
Deposit Fee~0.8%
SettlementInstant (crypto)
Methods20+ crypto + fiat
Rating
4.2/5
NOWPayments

NOWPayments

Crypto Gateway
6.6
Deposit Fee0.5-1% (crypto)
SettlementInstant (crypto) / T+1-3
Methods350+
Rating
4.4/5
CoinGate

CoinGate

Crypto Gateway
6.4
Deposit Fee~1%
SettlementInstant (crypto)
Methods70+ crypto
Rating
3.5/5
BitPay

BitPay

Crypto Gateway
5.9
Deposit Fee1-2% + 25c
SettlementT+1 (fiat)
Methods100+ crypto
Rating
1.2/5
CoinPayments

CoinPayments

Crypto Gateway
6.3
Deposit Fee0.5-1%
SettlementInstant
Methods175+ crypto
Rating
3.8/5
Triple-A

Triple-A

Crypto-to-Fiat
6.5
Deposit Fee0.5-1%
SettlementInstant
Methods10+ stablecoins
Rating
3.6/5

End of Report. B2BINPAY Provider Assessment Report 2026

Prepared and reviewed by the iGaming Payment Solutions Editorial Team · May 13, 2026

Last verified: May 13, 2026