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General Information
Bitpay | Coinbase | |
Year of foundation | 2011 | 2012 |
Country | USA | USA |
Languages | English | English, Portuguese, German, French, Spanish, Italian, Dutch |
Mobile app | iOS, Android | iOS, Android |

Registration and Verification
Bitpay
Creating an account is easy. The interface has a plus button at the top of the screen. This is a short menu offering you:
- A personalized prepto wallet;
- With access for multiple users;
- Joining a shared bitcoin wallet by invitation;
- Import ready bitcoin wallet.
In the first case, you will only need to come up with a password. It is specified in the list of advanced settings. The second option involves up to six co-owners. For the transaction to be skipped, determine how many signatures are required, usually up to four. You will then be given a QR code to join. The creator can send such an invitation to those to whom he wants to grant sharing rights.
Coinbase
Simply registering with Coinbase is not enough to start trading. To begin using a Coinbase account, you must immediately undergo verification, which includes a photo ID. Verification usually takes a few hours. There is no verification only if you use the service as a wallet for storing cryptocurrency.

Trading Volumes and Traded Pairs
Bitpay
BitPay accepts the following cryptocurrencies for payment:
- Bitcoin
- Ethereum
- Ripple
- Bitcoin Cash
- Usdc
BitPay offers businesses different ways to use it.
- Online: For online transactions, businesses can add a simple BitPay payment button to their site. There is also a shopping cart plugin that is compatible with programs like Shopify.
- In-store: Retailers can receive money through BitPay Checkout, an app that generates a QR code. The customer scans the code with their app and pays the amount using their bitcoin wallet.
Coinbase
You can deposit your Coinbase wallet in dollars or euros via card, bank transfer, and PayPal. However, euros can only be deposited through the web interface (not through the mobile app). Of course, you can also transfer cryptocurrency directly to Coinbase wallet.

Commission
Bitpay
It charges merchants a flat one percent transaction fee, which makes them more attractive than the transaction fees charged by some credit card companies (banks).
Coinbase
There is no transfer fee to Coinbase via SEPA, but the withdrawal costs €0.15 and takes 1 to 3 business days. From the United States, you can fund your account in dollars through the ACH system for free (up to 5 business days) or by regular transfer for $10. Withdrawals will cost $25. It is not possible to withdraw money from Coinbase to the card – only to the account. When buying cryptocurrency with a bank card, the commission at Coinbase will be 3.99%, and in the case of buying from a bank account – 1.49%. At the same time, third-party cryptocurrency buying services using Coinbase API may charge an additional fee.
Pros and Cons
Bitpay
Coinbase

I have been studying cryptocurrency for over 5 years. I have accounts in every exchange and I test everything on myself.
I want this market to be more understandable for everyone.