Coinbase Commerce alternatives: what changed, what to look for, and how to move.

What happened to Coinbase Commerce?

As of 14 October 2026, Coinbase's help page "Transitioning from Coinbase Commerce to Coinbase Business" says Commerce "is being unified with Coinbase Business" and that merchants had to complete the move by 31 March 2026. After that date, the page says, "the Commerce portal will become permanently inaccessible" and merchants can no longer create charges or open the Commerce dashboard.

Who could follow it depended on where the business is. Coinbase Business "is currently only available to businesses with a legal entity in the United States or Singapore". Merchants elsewhere were told to move "to an alternative provider before March 31, 2026". Coinbase says it is expanding to more countries during 2026. MoonPay, a competitor, published a migration guide on 20 March 2026 that gives the same date and adds that "no extensions will be offered".

Coinbase's own comparison table on that page sets out what changed:

Coinbase itself notes that "some merchants valued the self-custodial, any-asset nature of Commerce" and that "Coinbase Business may not be the right fit for everyone." If holding your own funds or signing up from anywhere mattered to you, the replacement is a different product.

What to look for in a Coinbase Commerce alternative

Five questions sort the options quickly.

1. Who holds the money? A custodial provider receives the payment into an account it controls and pays you out. A non-custodial one sends the payment to a wallet you control. Custody makes bank payouts and yield easy; self-custody means no balance waiting at someone else.
2. What can your customers pay with? Bitcoin and ETH, a range of stablecoins, or one stablecoin on one network. More assets reach more payers, but each one adds conversion, volatility or reconciliation work.
3. Does recurring billing pull, or remind? Some "crypto subscriptions" are an email each period asking the customer to pay again. Others collect automatically after one approval. The difference shows up in churn.
4. What does it cost, and who pays? Look at the percentage, any fixed amount per payment, conversion and payout fees, and whether the fee comes out of your price or is added on top for the customer.
5. Can you sign up at all? Countries, entity types and industries differ, and a provider that will not take your business is not an option however good its fees are.

How do the main alternatives compare?

Every row below comes from the vendor's own pages as of 14 October 2026; the links are at the end. Fees change, so check them before you decide.

Fianto's numbers need two more lines. A subscription charge also carries a flat network fee the customer pays, 0.01 USDC per charge today on plans created since 6 October 2026, the first charge included; one-off payments carry none. After the beta, Fianto plans a fee of about 0.1-0.5%, paid by the customer on top of the price; the merchant still pays nothing. The detail is on the Fianto pricing page.

When is another provider the better fit?

Fianto does one thing: USDC on Solana, to your own wallet. That is a narrow product, and for many former Commerce merchants another option fits better.

• You want Bitcoin or ETH. Fianto accepts neither. MoonPay Commerce, BitPay and NOWPayments all list Bitcoin and many other coins.
• You need dollars in a bank account. Fianto has no fiat payout or off-ramp: the USDC lands in your wallet and the rest is up to you. BitPay settles in fiat daily, MoonPay Commerce offers an auto-offramp, and Coinbase Business converts and withdraws to a bank for US and Singapore entities.
• Your customers hold USDC on Ethereum or Base. Coinbase Business accepts USDC on six EVM networks. Fianto accepts Solana only, so those customers would have to bridge first.
• You want to test without real money. Coinbase lists a sandbox for Coinbase Business and MoonPay Commerce supports Solana devnet. Fianto has no test mode: production runs on mainnet.
• You send invoices. Coinbase Business has an invoicing suite. Fianto has no invoices.

Fianto fits when your customers already pay in USDC on Solana, you want the money in a wallet you control, and you sell something recurring. Of the five, it is the only one whose renewals are pulled from the customer's own wallet after a single approval, under the Solana Foundation's Subscriptions program, rather than a reminder to pay again or a balance topped up in advance. How that works is in stablecoin subscriptions on Solana.

How to move one-off checkouts from Coinbase Commerce to Fianto

If you created Commerce charges from your server, the closest thing on Fianto is a checkout session: your server creates it, the customer pays on the hosted checkout, and a signed webhook tells your server when the payment is final.

1. Sign up at the merchant dashboard with an email, a password and a code sent to that email.
2. Complete "Get your account ready": the business profile (a registered company, an unregistered business or an individual), two-factor sign-in, and the wallet you get paid to, proved by signing a message. The wallet must already have a USDC token account, so send it any amount of USDC once.
3. Submit for review. Fianto approves each merchant before it can take payments, and no review time is promised, so start before you need it.
4. In Developers, create an application. Its id and secret authenticate your server; there is no browser key.
5. Create a checkout session for each order, with your own order id and either a price from the dashboard or an amount and description. Send the customer to the session's URL.
6. Fulfil the order on the order.paid webhook. Fianto sends it only once Solana has finalized the payment.

The session call with the Fianto SDK, adapted from the docs:

import { Fianto } from '@fianto/sdk';

const fianto = new Fianto(); // reads FIANTO_APP_ID and FIANTO_APP_SECRET

const session = await fianto.checkoutSessions.create(
  {
    mode: 'payment',
    order_id: 'order_1001',
    amount: '12.50',
    description: 'Brisklow annual report, PDF',
    success_url: 'https://brisklow.example/thank-you',
    cancel_url: 'https://brisklow.example/cart',
  },
  { idempotencyKey: 'checkout:order_1001:1' },
);

// session.url is the checkout page. Send the customer there.

Every v1 POST needs an Idempotency-Key, so a retried request never creates a second session. The full reference is in the checkout sessions guide, and the SDK packages for Next.js, Express and Hono are on the developers page.

How to replace a Coinbase Commerce payment link

If you shared Commerce checkout links without code, use a Fianto payment link. You create it in the dashboard under Payments, for one price of one product, and share its address: checkout.fianto.xyz/l/ plus 16 random characters. Many customers can pay through the same link, and each press of Pay opens a fresh checkout.

• A one-time price makes a one-off payment. A monthly or yearly price makes a subscription.
• You choose whether to ask for an email, add an after-payment page for one-time prices, and optionally end the link on a date or after a number of paid payments.
• A link cannot change its price and cannot be deleted; you close it instead. There is no API for links, no custom domain and no QR code.

The step-by-step version is in how to create a USDC payment link. If you would rather send customers to a page with all your products, a Fianto shop at your-name.fianto.xyz does that without code.

What to tell your customers before you switch

The change your customers notice is the network. On Fianto they pay from a Solana wallet that supports signing a transaction; the checkout's wallet list names Phantom, Solflare, Backpack and MetaMask among others. They need USDC on Solana and a little SOL for the network fee: about 0.0009 SOL in the wallet covers a one-off payment. A customer who paid you in Bitcoin through Commerce cannot pay you in Bitcoin here.

Two more things to say up front. Payments are final once Solana finalizes them, and there are no chargebacks, so put your refund policy where customers can find it; a refund is you sending USDC back from your own wallet. Chargebacks versus crypto refunds covers how that works. And if you move a subscription product, customers cancel at fianto.xyz/my, where the subscription runs to the end of the paid period.