Source: https://fincobra.com/blog/plisio-alternative.html # Plisio Alternative: Fee Headline vs Wallet Settlement If you are searching for a **Plisio alternative**, you are usually deciding one thing: Do you want a **0.5% gateway** with a **15+ coin catalog**, a **public Woo zip**, and a **donation kit** — or do you want **documented wallet rails** and settlement that is **not** a processor balance? Those are different products. The 0.5% headline does not settle that split. **Quick answer:** stay on Plisio if you need their **coin table** (BTC, ETH, XMR, TRON, TON, SOL stables, and the rest of the published list), a **donation button / page / QR kit**, **mass payouts**, **White Label at 1.5%**, or a **public WooCommerce zip** you can upload this week. Look at FinCobra Checkout only if you want settlement to **wallets you already control** on the [documented rails](https://fincobra.com/docs/checkout/) — BTC via xpub, USDT/USDC on named chains — at Free Start $1,000 then **0.5% PAYG**, with **no Plisio-style account balance to withdraw from**. This is a fit filter, not a “#1 Plisio alternative” listicle. They win catalog and donations. We will not out-coin them. ## The split that actually matters Plisio’s homepage and Woo page sell a **fee headline** and a **direct-to-wallet slogan**. The ops pages describe something else: a **Plisio wallet**, **balances**, and a **Withdraw** button. On 2026-08-26, [Can I use Plisio as a cryptocurrency wallet?](https://plisio.net/faq/can-i-use-plisio-as-a-cryptocurrency-wallet) says Plisio “offers a cryptocurrency wallet service” where you “store and manage your cryptocurrencies” and “manage your balances.” [How can I make a transfer from an account?](https://plisio.net/faq/how-can-i-make-a-transfer-from-an-account) is: log in, pick a currency, click **Withdraw**. [How to send tokens and pay the fee](https://plisio.net/faq/how-to-send-tokens-and-pay-the-fee) tells you to **top up the native-chain balance on Plisio** before a token withdrawal. Getting started tells you to [monitor transactions and balances](https://plisio.net/faq/how-do-i-start-accepting-cryptocurrencies). The homepage API samples are `getBalances` and `createMassWithdrawal`. That is a **processor balance**. Quote those pages, not the slogan. FinCobra Checkout is a **hosted coordinator**. You configure wallets. Buyers pay on a hosted `/pay/:id` page. HMAC webhooks report state. Funds go to **your** wallets. There is no FinCobra-held merchant balance and no withdraw screen. If the job is “accept 15+ coins, donate from a kit, batch payouts, brand the checkout,” Plisio is built for that. If the job is “name the rails and keep settlement off a processor balance,” FinCobra is the narrower tool. ## Plisio vs FinCobra at a glance | | Plisio (official, 2026-08-26) | FinCobra Checkout | | --- | --- | --- | | Model | Gateway **plus** a Plisio wallet. Ops FAQs: store balances, then **Withdraw**. Woo slogan: “we do not hold clients’ money.” | Hosted coordinator. Settlement to **your** wallets. No processor balance. | | Headline fee | [Fee Information](https://plisio.net/faq/fee-information): **API 0.5%**, **White Label 1.5%**, mass payouts 0.5%, cash-out 0.5%. Homepage: “only one fee of 0.5%.” | **Free Start $1,000** paid volume, then **0.5% PAYG**, monthly arrears. | | Fee-table exceptions | BUSD / USDT BEP-20 **1%** API (2% White Label). TON / USDT-TON **up to 5%** API (6% White Label). Several stables carry **minimum** dollar fees. | Flat 0.5% of paid invoice volume after Free Start. No White Label SKU. No mass-payout SKU. | | Assets | Homepage **15+ coins**. Fee table includes **BTC, ETH, XMR, TRX, TON, SOL** plus ERC-20 / TRC-20 / BEP-20 / TON / SOL stables, LTC, DOGE, BCH, and more. | BTC (xpub/ypub/zpub). USDT+USDC on Ethereum and Solana. **USDC only** on Arbitrum One and Base. Not native ETH. Not XMR. Not TRON. Not TON. Not “any token.” | | Donations | Public [donation kit](https://plisio.net/donate-page): button, link, QR, custom page, **15+ coins**, “accept any crypto.” | Not the product we are selling on this page. They win donations. | | Carts | Public **Woo zip**: download `plisio-gateway-for-woocommerce.zip`, upload, paste API key. FAQ also lists Shopify / Magento; `/shopify` 404’d today. | API, hosted page, TypeScript SDK. Woo **private pilot** only — not WordPress.org. **No Shopify.** | | Extra products | [Mass payouts](https://plisio.net/) (pool up to 1,000, 0.5%). [White Label](https://plisio.net/white-label) at **1.5%**. | None of those. No mass payouts. No White Label 1.5%. | | Lightning | Not a Plisio rail on the fee table. | No. | | Best fit | Catalog, donations, Woo zip, White Label, payouts from a Plisio balance. | Documented wallet rails and custody that is not a processor balance. | Plisio numbers from [Fee Information](https://plisio.net/faq/fee-information), [White Label fee FAQ](https://plisio.net/faq/does-the-fee-amount-change-with-white-label) (0.5% API; 1.5% = 0.5% + 1% White Label), [wallet FAQ](https://plisio.net/faq/can-i-use-plisio-as-a-cryptocurrency-wallet), [withdraw FAQ](https://plisio.net/faq/how-can-i-make-a-transfer-from-an-account), [token-fee FAQ](https://plisio.net/faq/how-to-send-tokens-and-pay-the-fee), [Woo plugin](https://plisio.net/woocommerce-accept-crypto), and [donate page](https://plisio.net/donate-page). Recheck those pages — Enterprise “personal fees” are not a public table. ## Choose Plisio if Choose Plisio if most of these are true: - You need the **published coin catalog**: BTC, ETH, XMR, TRON, TON, SOL, and the stables on those chains in the fee table. FinCobra will not grow into a 15–28 coin list to win this comparison. - You need their **donation kit**: button, link, QR, custom page, 15+ coins. That is a real public product. They win it. - You need a **public WooCommerce zip** this week. Their install path is download `plisio-gateway-for-woocommerce.zip` → Upload Plugin → API secret. FinCobra has **no public Woo**. - You need **mass payouts** (0.5%) or **White Label** (1.5%, no “Powered by,” no redirect). FinCobra has neither. - You are fine with a **Plisio wallet / balance / Withdraw** flow, including topping up ETH or TRX on Plisio to move tokens out. If that is the job, use Plisio. The 0.5% API line is a real offer. So is the catalog. ## Choose FinCobra if Choose FinCobra Checkout if most of these are true: - You want **settlement that is not a processor balance**. BTC to unique addresses from your xpub/ypub/zpub. USDT/USDC to wallets you configure. No Plisio wallet to withdraw from. No “top up the native balance on the gateway” step. - You will live on the **documented rails only**. See the [Checkout docs](https://fincobra.com/docs/checkout/). Not a 15–28 coin catalog. Not native ETH. Not XMR. Not TRON. Not TON. Not Lightning. Not “any token.” - **0.5% PAYG** after the first **$1,000** of paid volume is the fee you want — compared to Plisio’s **0.5% API** line, not pretended against their **1.5% White Label** or BEP-20 / TON exceptions if those are the job. - You do **not** need their donation kit, mass payouts, or White Label. - You accept that **WooCommerce is a private pilot**, not a public zip. [woo-demo.fincobra.com](https://woo-demo.fincobra.com/) is a demo. **No Shopify.** FinCobra still hosts checkout, monitoring, and billing. Custody clarity here means **no merchant spend keys and no FinCobra-held balance** — not “we disappeared from the stack.” If you want zero hosted coordinator, that is BTCPay Server. See the [BTCPay Server alternative](/btcpay-server-alternative). ## Official pages disagree on custody Do not decide this from a slogan. **Slogan pages (2026-08-26):** the [Woo plugin page](https://plisio.net/woocommerce-accept-crypto) says “We transfer payments directly into your wallet (we do not hold clients’ money)” and “just use your own wallet.” Content posts on plisio.net still call the product **non-custodial**. **Ops pages (same day):** - [Can I use Plisio as a cryptocurrency wallet?](https://plisio.net/faq/can-i-use-plisio-as-a-cryptocurrency-wallet) — yes; store, manage, view history, **manage balances**. - [How can I make a transfer from an account?](https://plisio.net/faq/how-can-i-make-a-transfer-from-an-account) — click a currency, then **Withdraw**. - [How to send tokens and pay the fee](https://plisio.net/faq/how-to-send-tokens-and-pay-the-fee) — withdraw USDT-ERC20 only after you **top up ETH on Plisio**; USDT-TRC20 needs a **TRX** balance there. - [How do I start accepting cryptocurrencies?](https://plisio.net/faq/how-do-i-start-accepting-cryptocurrencies) — **monitor transactions and balances**. - [How to create invoice without API](https://plisio.net/faq/how-to-create-invoice-without-api) — “Feature of our wallet”; “create a wallet in the cryptocurrency you want.” - Homepage samples: **Get balance**, **Make payouts**. Quote the ops pages. A product that stores balances and exposes Withdraw is not the same settlement model as funds landing in wallets you already control. FinCobra’s model is the second one. Read [what non-custodial checkout means](/non-custodial-crypto-payment-gateway) for the vocabulary. For a fiat-gateway fork, read [CoinGate alternative](/coingate-alternative). For a 300+ coin custody-balance fork, read [NOWPayments alternative](/nowpayments-alternative). ## Fees, honestly Do not shop the homepage “only one fee of 0.5%” in isolation. **Plisio (Fee Information + White Label FAQ, 2026-08-26):** API accept = **0.5%**. White Label = **1.5%** (their FAQ: 0.5% invoicing + 1% White Label). Mass payouts = **0.5%**. Cash-out = **0.5%**. The same table prices BUSD and USDT BEP-20 at **1%** API / **2%** White Label, and TON / USDT-TON at **up to 5%** API / **6%** White Label. Several ERC-20 / TRC-20 / SOL stables list a **minimum** dollar fee. Network fees sit on top. You can push the service fee to the payer in store API settings. Enterprise “personal fees” are not posted. **FinCobra Checkout:** first **$1,000** paid volume free, then **0.5% PAYG**, monthly arrears. You pay chain network fees on the settlement you configured. There is no White Label line because there is no White Label product. There is no mass-payout line because there is no mass-payout product. A $10,000 **API** month on Plisio is about **$50** before network fees and before any BEP-20 / TON exception. FinCobra PAYG after Free Start is **$50** on volume above the $1,000 allowance in the first month, or $50 on the full $10,000 later — **in crypto, to your wallets**. A $10,000 **White Label** month on Plisio is about **$150**. Do not call 0.5% “the same as Plisio 0.5%” if the job is White Label, TON, or BEP-20 stables. Those jobs are theirs, at their table. If you then sell FinCobra-settled crypto on an exchange, add *that* spread yourself. ## Catalog and donations, without the stretch Plisio wins the **catalog**. The fee table is a real 15–28 asset list: ETH, BTC, XMR, TRON, TON, SOL, and stables on those rails. Homepage copy is “15+ supported coins.” Donation copy is “accept any crypto.” FinCobra does not have that catalog. We will not pretend we do. Plisio wins **donations**. [Donate page](https://plisio.net/donate-page) is a public kit: button, link, QR, custom design, 15+ coins. If donations-across-the-catalog is the job, stay there. FinCobra wins **documented wallet rails** and **custody clarity**. That is a smaller product on purpose. ## WooCommerce, without the stretch Plisio ships a **public Woo zip**. That is a reason to stay if a cart plugin is the requirement. FinCobra does **not** have a public WooCommerce plugin. Woo is a **private pilot**. The public proof is the [WooCommerce demo shop](https://woo-demo.fincobra.com), which runs hosted checkout end to end. There is no public WordPress.org listing. There is no Shopify plugin. `/shopify` on Plisio 404’d today; their [What is Plisio](https://plisio.net/faq/what-is-plisio) FAQ still lists Shopify. Neither “wallet settlement” nor a 0.5% line makes FinCobra a Shopify Plisio alternative. If you need production Woo from a zip this week, Plisio wins. ## How to decide in one pass 1. Need the **15+ / fee-table catalog** (ETH, XMR, TRON, TON, SOL stables, “whatever they hold”)? → **Plisio**. Stop. 2. Need the **donation kit**, **mass payouts**, or **White Label 1.5%**? → **Plisio**. Stop. 3. Need a **public Woo zip** this week? → **Plisio**. Stop. 4. Need **documented wallet rails** and settlement that is **not** a processor balance, on BTC / named USDT-USDC chains only, at **$1,000 free then 0.5%**? → **FinCobra Checkout**. 5. Need self-host, 0% software fee, Lightning? → **BTCPay Server**, not either of us as a clone. ## See a live walkthrough If step 4 is the job, take a [live Checkout walkthrough](https://woo-demo.fincobra.com) and configure [your own wallets](https://fincobra.com/docs/checkout/). Billing is [Free Start $1,000 then 0.5% PAYG](https://fincobra.com/docs/checkout/billing). The demo is the private WooCommerce pilot, not a public zip. Use it to watch hosted checkout, then attach the wallets you already control. Do not ask us to be Plisio with a shorter coin list. That is not the product.