PayCow vs FinCobra
A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.
PayCow compared with FinCobra
| Detail | P
PayCow | 
FinCobra |
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| What it does | One workspace for donations, digital commerce, and crypto payments with funds sent directly to your wallet
| Non-custodial crypto checkout that settles directly to your wallet
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| Stage | Not given
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| Founded | Not given
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| Based in | Not given
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| Pricing model | Paid
| Freemium
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| Pricing | Starter: 10 USDT/mo (up to 1,000 USDT monthly volume). Pro: 99 USDT/mo (up to 50,000 USDT monthly volume). Scale: 299 USDT/mo (up to 250,000 USDT monthly volume). Enterprise: Custom pricing (250,000+ USDT monthly volume). 0% transaction commission on all plans.
| Free 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.
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| Key features | - Non-custodial direct-to-wallet USDT settlement on Ethereum ERC-20 and Tron TRC-20
- Digital delivery of files up to 50 MB and license keys after confirmed payment
- Branded storefronts at /store/your-brand with product catalogs and checkout
- Searchable PayCow Marketplace for product discovery
- Multi-chain RPC node polling for deterministic payment confirmation
- Multiple destination wallet support with unique serial identifiers for routing
- Automated webhook notifications with HMAC-SHA256 cryptographic signatures
- Fixed monthly pricing model with 0% transaction commission
| - 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
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| What makes it different | - 0% transaction commission with fixed monthly plans, keeping more per payment as volume grows
- Funds route directly to merchant wallets with no custodial intermediary holding assets
- Integrated platform combining donations, marketplace, storefronts, delivery and payments in one dashboard
- Built-in live stream donation alerts for streamers using OBS or Streamlabs
| - 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
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| Free plan | Not given
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| Open source | Not given
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| Platforms | Not given
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| Public API | Not given
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 2 ▲ +2 (up) since last check | 5 ▼ −1 (down) since last check |
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| Trust Flow (Majestic) | 2 | 3 |
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| Citation Flow (Majestic) | 18 | 18 |
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| Referring domains (Majestic) | 6 | 13 |
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5 details filled in for both companies.
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