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Paygatex

Paygatex

VS

Instabill

Cannabis and high-risk merchant categories

Instabill
Fees from
0.2%–1% vs 2.5-3.5% for high-risk categories
Features

1 shared

8 unique to Paygatex
Regions

0 shared

8 unique to Paygatex · 1 unique to Instabill
Pay methods

0 shared

18 unique to Paygatex · 4 unique to Instabill
On region

Paygatex covers 8 regions; Instabill covers 1. Verify directly with each provider before signing.

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Show full specs
9 features · 22 payment methods · 9 regions. We don't rank these — they're here for reference.
Paygatex Paygatex
Instabill Instabill
Quick Facts
Fees
Standard transaction rate
0.2%–1%
2.5-3.5% for high-risk categories
Settlement
Time to receive funds
Same day
—
Founded
2023
2005
Headquarters
Saint Kitts and Nevis
United States
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Paygatex leads (9 vs 1)
Crypto Support Unique
✓
—
High Risk Accepted
✓
✓
Instant Payout Unique
✓
—
Low Fees Unique
✓
—
Marketplace Support Unique
✓
—
Multi Currency Unique
✓
—
Recurring Billing Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Paygatex leads (18 vs 4)
Ach Unique
—
✓
Arbitrum Unique
✓
—
Bitcoin Unique
✓
—
Bnb Unique
✓
—
Crypto Unique
✓
—
Debit Card Unique
—
✓
Dogecoin Unique
✓
—
Ethereum Unique
✓
—
Invoice Unique
✓
—
Lightning Network Unique
✓
—
Litecoin Unique
✓
—
Mastercard Unique
—
✓
Monero Unique
✓
—
Optimism Unique
✓
—
Payment Link Unique
✓
—
Solana Unique
✓
—
Stablecoin Unique
✓
—
Tron Unique
✓
—
Usdc Unique
✓
—
Usdt Unique
✓
—
Visa Unique
—
✓
Xrp Unique
✓
—
Regions
Paygatex leads (8 vs 1)
Africa Unique
✓
—
Asia Unique
✓
—
Global Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
North America Unique
—
✓
Oceania Unique
✓
—
South America Unique
✓
—
Southeast Asia Unique
✓
—

Paygatex is best when you...

Need Crypto Support
Not available with Instabill
Need Instant Payout
Not available with Instabill
Want coverage in Africa, Asia, Global, Latin America, Middle East, Oceania, South America, Southeast Asia
Instabill doesn't cover these regions
View Paygatex

Instabill is best when you...

Cannabis and high-risk merchant categories
Want coverage in North America
Paygatex doesn't cover this region
View Instabill

Frequently Asked Questions

What is the difference between Paygatex and Instabill?
They share 0 payment methods and 0 regions. Paygatex adds Arbitrum, Bitcoin, BNB and 15 more that Instabill does not list; Instabill adds ACH, Debit Card, Mastercard and 1 more that Paygatex does not list; Paygatex also covers Africa, Asia and 6 more; Instabill also covers North America.
Which is cheaper, Paygatex or Instabill?
Paygatex has published rates from 0.2%–1%; Instabill has published rates from 2.5-3.5% for high-risk categories. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Paygatex and Instabill?
Paygatex lists 8 regions and 18 payment methods; Instabill lists 1 and 4. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Paygatex and Instabill compare on integration and settlement?
Paygatex offers a sandbox, Instabill does not list one; Paygatex supports webhooks; Paygatex publishes a settlement time of Same day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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