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FinCobra vs HaiPay

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

FinCobra compared with HaiPay
DetailFinCobra logo FinCobraHaiPay logo HaiPay
What it doesNon-custodial crypto checkout that settles directly to your wallet Local-first payment infrastructure for global digital businesses
StageNot given Startup
FoundedNot given 2025
Based inNot given HK
Pricing modelFreemium Paid
PricingFree Start: First $1,000 of paid invoice volume included. Pay as You Go: 0.5% of paid invoice volume after Free Start. No monthly subscription. US-issued cards from 2.5% + US$0.30 per transaction; cards issued outside the US from 4.0% + US$0.30 per transaction; local payment methods from 1.2%; US$0 setup fee, US$0 annual fee, no minimum monthly billing.
Key features
  • Hosted payment checkout pages
  • API for invoice creation
  • Webhooks for payment status and fulfillment automation
  • Support for Bitcoin, Ethereum, Solana, Arbitrum One, and Base
  • BTC, USDT, and USDC payment acceptance
  • Direct-to-wallet settlement with no custody
  • Multi-wallet connection support
  • Invoice tracking and status updates
  • Priority email and chat support with 1 business day response time
  • Global card acquiring with direct connection to major card networks
  • Support for 150+ local payment methods including UPI, Pix, MoMo, Alipay and WeChat
  • Subscription and recurring billing management
  • Mass payouts to 50+ markets with minimum fee of 0.1 USD
  • Multi-currency wallet and settlement
  • USD virtual card issuing for advertising and AI subscriptions
  • 24/7 multilingual customer support
  • Local payment settlement as fast as T+1 in selected markets
What makes it different
  • Faster than running BTCPay yourself
  • Keep custody without self-hosting your payment stack
  • Stablecoin support for price-stable invoices
  • Multi-chain support from one hosted checkout
  • Built for technical teams with API integration ready
  • Local payment methods reach 90% coverage in target markets with localized interfaces
  • Dispute resolution 50% faster than traditional providers
  • Fee reduction of 30-50% through transparent pricing and volume-based rates
  • Capital efficiency improvement of 3-5x with fast local settlement
  • 98% payout success rate with direct connection to local clearing systems
Free planNot given Not given
Open sourceNot given Not given
PlatformsNot given Not given
Public APINot given Not given
Community votes00
DR (Domain Rating by Ahrefs)5 −1 (down) since last check10 +3 (up) since last check
Trust Flow (Majestic)32
Citation Flow (Majestic)1826
Referring domains (Majestic)1336

5 details filled in for both companies.

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