Utrust

Utrust

Crypto-to-fiat

VS

CatalystPay

High-risk merchant processing

CatalystPay
Fees from
1% vs Interchange + 1%–2% + €0.3
Features

3 shared

1 unique to Utrust · 6 unique to CatalystPay
Regions

2 shared

3 unique to CatalystPay
Pay methods

5 shared

4 unique to Utrust · 7 unique to CatalystPay
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
10 features · 16 payment methods · 5 regions. We don't rank these — they're here for reference.
Utrust Utrust
CatalystPay CatalystPay
Quick Facts
Fees
Standard transaction rate
1%
Interchange + 1%–2% + €0.3
Settlement
Time to receive funds
Instant
5–7 business days
Founded
2017
2019
Headquarters
Lisbon, Portugal
Belfast, United Kingdom
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
CatalystPay leads (9 vs 4)
Crypto Support
✓
✓
Enterprise Unique
—
✓
High Risk Accepted
✓
✓
Instant Payout Unique
✓
—
Low Fees
✓
✓
Mobile Payments Unique
—
✓
Multi Currency Unique
—
✓
Recurring Billing Unique
—
✓
Recurring Payments Unique
—
✓
Virtual Terminal Unique
—
✓
Payment Methods
CatalystPay leads (12 vs 9)
Apple Pay
✓
✓
Bitcoin
✓
✓
Cartes Bancaires Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
✓
—
Debit Card Unique
—
✓
Direct Debit Unique
—
✓
Ethereum Unique
✓
—
Google Pay
✓
✓
Lightning Network Unique
—
✓
Mastercard
✓
✓
Sepa Direct Debit Unique
—
✓
Unionpay Unique
—
✓
Usdc Unique
✓
—
Usdt Unique
✓
—
Visa
✓
✓
Regions
CatalystPay leads (5 vs 2)
Europe
✓
✓
Global Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Southeast Asia Unique
—
✓

Utrust is best when you...

Crypto-to-fiat
Need Instant Payout
Not available with CatalystPay
View Utrust

CatalystPay is best when you...

High-risk merchant processing
Need Enterprise
Not available with Utrust
Need Mobile Payments
Not available with Utrust
Want coverage in Global, Middle East, Southeast Asia
Utrust doesn't cover these regions
View CatalystPay

Frequently Asked Questions

What is the difference between Utrust and CatalystPay?
They share 5 payment methods and 2 regions. Utrust adds Crypto, Ethereum, USDC and 1 more that CatalystPay does not list; CatalystPay adds Cartes Bancaires, Credit Card, Debit Card and 4 more that Utrust does not list; CatalystPay also covers Global, Middle East and 1 more; only Utrust offers Instant Payout.
Which is cheaper, Utrust or CatalystPay?
Utrust has published rates from 1%; CatalystPay has published rates from Interchange + 1%–2% + €0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Utrust and CatalystPay?
Utrust lists 2 regions and 9 payment methods; CatalystPay lists 5 and 12. both cover Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Utrust and CatalystPay compare on integration and settlement?
both offer a sandbox; both support webhooks; Utrust settles in Instant, CatalystPay in 5–7 business days.

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