When you’re picking a cryptocurrency payment platform for your business, it’s super important to look at all your options carefully. Guardarian and Overpay are two popular choices, each with its own set of features, pros, and cons. In this article, we’ll break them down based on key factors like payment fees, integration process, supported countries, crypto assets, and more to help you make the best decision for your business.
Key Takeaways
- Guardarian is a leading crypto payment solution, known for its transparent fees, support for over 1,000 cryptocurrencies, and a variety of payment methods. It’s perfect for businesses looking for a simple, flexible solution, plus the added bonus of solid brand recognition. Guardarian’s strong reputation helps businesses earn trust from customers, making it a great choice for B2B2C crypto payment integration.
- Overpay, on the other hand, is more suited for businesses that need a highly customizable solution but lacks the transparency that Guardarian offers. You’ll have to reach out directly to get more details about fees, supported crypto assets, and payment methods, which could be a downside for businesses that want quick, clear answers.
Guardarian vs Overpay: Payment Solutions for Businesses
| Feature | Guardarian | Overpay |
|---|---|---|
| What it is | Crypto on-ramp for businesses with easy API integration | Payment platform for businesses with customizable API payment processing |
| Supported Cryptos | Over 1,000 cryptocurrencies supported | No public list; businesses must inquire |
| Payment Methods | Visa, Mastercard SEPA, local transfers Apple Pay, Google Pay PIX, SPEI, Open Banking (depends on region) | Cards, crypto payments, alternative payment methods via API |
| Supported Countries | Available in 170+ countries worldwide | Available in 132+ countries |
| Fees | Transparent, included in the exchange rate | Fees vary based on integration and payment methods |
| Customer Support | Available via ticketing system and knowledge base | Available via onboarding and business-focused support |
| KYC | Full KYC required to comply with regulations | Full KYC required for secure transactions |
Guardarian Overview: Transparent & Flexible Crypto Payment Gateway
Guardarian is a super user-friendly fiat-to-crypto on-ramp that makes it really easy for businesses to start accepting cryptocurrency payments. It supports over 1,000 cryptocurrencies and offers a bunch of payment methods like credit cards, SEPA, Open Banking, and Google/Apple Pay, making it a top pick for businesses looking for flexibility and ease of use.
What makes Guardarian even cooler is that it’s not just for businesses — individual users can use it too. This boosts its visibility and helps businesses build trust with customers, especially in B2B2C setups. If customers are already familiar with Guardarian (since it’s well-known in the crypto world), they’re more likely to feel comfortable using crypto payments.
With its clear fee structure and wide crypto support, Guardarian is a solid and reliable option for businesses of all sizes looking to implement crypto payments without too much hassle.
Overpay overview: Customizable Crypto & Fiat Payment Platform
Overpay is a payment platform designed for businesses, offering customizable crypto and fiat payment solutions through its API integration. While it’s a great choice for companies looking for flexibility, Overpay doesn’t have the same level of transparency that Guardarian does. For example, it doesn’t publicly list the supported cryptocurrencies or payment methods, so businesses need to reach out directly to get those details.
If your business has the development resources and you’re after a highly customizable crypto payment gateway, Overpay could be a solid option. But the lack of transparency and the need to communicate directly with the company might be a bit of a hassle for businesses that prefer quick and easy answers about fees and crypto support.
What are Guardarian and Overpay: Crypto Payment Solutions
Guardarian is one of the top crypto payment gateways that makes it super easy for businesses to accept both crypto and fiat payments. It has a really user-friendly API and integrates smoothly into existing business systems. With transparent pricing and flexible payment options, like credit card support, digital wallets, and traditional bank transfers, Guardarian is a versatile option for businesses around the world.
On the flip side, Overpay focuses on offering highly customizable crypto payment solutions through its API. While its flexibility is a major plus, the lack of transparency around fees and supported cryptocurrencies could be a roadblock for businesses that need quick, clear answers to make decisions. If you’re looking to work with Overpay, be prepared for the extra step of reaching out directly to get specific details about pricing and available options.
Business features breakdown: Guardarian vs Overpay
In this section, we’ll dive into the features that directly impact businesses looking to integrate cryptocurrency payments, including integration ease, payment methods, customization options, and support tools.
Integration & Settlment
- Guardarian offers a super easy-to-integrate API and a user-friendly widget, allowing businesses to start accepting crypto payments without any technical headaches. With instant settlement of crypto payments, businesses can offer their customers fast, seamless transactions. Plus, G-Payments streamlines the payment experience for end users, while Guardarian’s partner support tools help ensure smooth integration and efficient operations.
- On the other hand, Overpay provides a customizable API integration, which offers a lot of flexibility. However, it requires a higher level of technical know-how. Overpay is likely a better fit for businesses with development resources that want to create a more tailored crypto payment solution. But the integration process can be more complex than Guardarian’s straightforward setup.
Fees & Final rate transparency
- Guardarian stands out for its transparent crypto payment fees, which are clearly included in the exchange rate due to its “no-extra-fees” system. This makes it easy for businesses to understand and predict costs right from the start.
- On the other hand, Overpay has a less transparent fee structure. The pricing can vary depending on the type of integration and payment methods used. As a result, businesses need to engage with Overpay directly to get specific pricing details, which can slow down the decision-making process.
Payment methods
- Guardarian supports a wide range of payment methods, including credit cards, bank transfers, Open Banking, and Google Pay. This flexibility makes it easier for businesses to cater to different customer preferences and adopt crypto payments on a global scale.
- Overpay also supports payment methods like cards and crypto payments, but these are typically provided through its API, with the specifics depending on the chosen integration type. While this offers greater customization for businesses, it may not be as straightforward or flexible as Guardarian’s out-of-the-box solutions.
Supported countries & Fiat currencies
- Guardarian supports over 170 countries and 30+ fiat currencies, making it one of the top choices for businesses aiming to reach a global audience. This extensive support is a huge advantage for international companies looking to accept crypto payments without restrictions.
- Overpay, on the other hand, is available in 132+ countries, but it doesn’t publicly list the fiat currencies it supports. Businesses will need to contact Overpay directly to find out if the platform supports the specific currencies they need, which could introduce some uncertainty into the decision-making process.
KYC / Compliance
- Both Guardarian and Overpay require full KYC (Know Your Customer) compliance to meet regulatory standards. This is crucial for ensuring secure crypto transactions, preventing fraud, and building trust between businesses and customers. KYC is a standard requirement for any crypto payment platform and adds an important layer of security for both businesses and their users.
- However, the length of the KYC process can vary depending on the country or region. In some areas, it might be quicker due to streamlined regulations, while in others, legal requirements may be more complex, leading to longer verification times. This means that the KYC process — and other legal checks — could be faster or slower depending on where your business is located.
Supported crypto assets & Networks
- Guardarian shines with its support for 1,000+ cryptocurrencies, giving businesses incredible flexibility to accept a wide range of digital assets. Whether you’re looking to accept popular cryptocurrencies like Bitcoin and Ethereum, or newer tokens, Guardarian’s broad supportlets businesses tap into various markets. This extensive coverage keeps businesses ahead of the curve in the fast-moving world of crypto payments.
- In comparison, Overpay doesn’t publicly list the cryptocurrencies it supports. Businesses need to reach out to Overpay directly to get information on which crypto assets are available. While this might work for businesses seeking highly customizable solutions, it creates some uncertainty for those who want clear, immediate information about the platform’s capabilities.
UX & Ease of use
- Guardarian offers a user-friendly interface that makes it easy for businesses to start accepting crypto payments without needing technical expertise. With its simple integration and clear setup process, businesses can quickly get up and running, even without specialized development resources.
- On the flip side, Overpay focuses more on providing API integration for businesses that need a highly customizable crypto payment gateway. While this is great for companies with development teams that need flexibility, it may not be as accessible for non-technical users who are looking for a simple, out-of-the-box solution.
Delivery & Speed
- Guardarian focuses on fast delivery of crypto payments, aiming to process and settle transactions within 20 minutes. This quick settlement is crucial for businesses that need to handle payments efficiently, ensuring smooth operations and minimizing delays.
- Overpay also offers real-time settlements, but the speed can vary depending on the payment methods used. This flexibility can be beneficial for businesses that need different payment options, but it’s important to keep in mind that some methods might result in delays.
Refunds, chargebacks & Disputes
- Guardarian has clear and transparent policies for handling refunds, chargebacks, and disputes, ensuring smooth operations for businesses. Its straightforward dispute management process helps businesses quickly address any issues and mitigate risks.
- On the other hand, Overpay provides strong dispute management tools. However, its support hours aren’t specified publicly, which could mean limited assistance outside business hours. For businesses operating in different time zones, this could be a downside, as urgent issues might not be resolved quickly if support is only available during certain hours.
Partners support
- Guardarian excels in partner support by offering 24/7 customer service through live chat, ticketing, and a comprehensive knowledge base. This ensures businesses always have the resources they need to manage and troubleshoot their crypto payment solutions at any time, day or night.
- On the other hand, Overpay doesn’t publicly guarantee round-the-clock support. This could mean that support is only available during business hours, requiring businesses to reach out directly for assistance. While this may be sufficient for some, global businesses that operate across different time zones might struggle to get timely help.
Security measures & Trust
Both platforms implement standard security measures like encryption and two-factor authentication (2FA) to protect transactions and ensure the safety of business and user data.
- However, Guardarian stands out for its reputation and trustworthiness in the market. With numerous positive Trustpilot reviews, Guardarian’s transparency and public recognition reflect its solid standing among users and businesses. This trust factor is crucial for businesses looking for a reliable and secure crypto payment gateway.
- In contrast, Overpay has much less public visibility, and finding detailed information about its platform or user experiences can be difficult. Overpay’s more closed-off approach can make it harder for businesses to assess the platform’s reliability, especially without direct communication. This lack of public feedback could be a barrier for businesses seeking a well-established, trusted crypto payment solution.
Pros & Cons summary
To give you a clear overview of the strengths and weaknesses of each platform, we’ve summarized the key pros and cons of Guardarian and Overpay. This section will help you quickly pinpoint the advantages and potential drawbacks of each solution, so you can make a more informed decision based on your business needs and priorities.
Guardarian – Pros & Cons
| Pros | Cons |
| Transparent fees, included in the exchange rate | KYC process may take time depending on region |
| Supports 1000+ cryptocurrencies | Limited fiat payment options compared to some competitors |
| Available in 170+ countries, offering global reach | High transaction volume could lead to occasional slowdowns |
| Flexible payment methods: cards, SEPA, Open Banking, Google Pay | Some features may require additional learning curve |
| 24/7 customer support via ticketing and knowledge base | |
| Easy integration with widget, G-Payments, and partner tools |
Overpay – Pros & Cons
| Pros | Cons |
| Easy API integration for businesses | Lack of transparency in supported cryptos and fees |
| Supports both crypto and fiat payments | No public list of supported cryptocurrencies |
| Available in 132+ countries, with global reach | Business-focused, making it harder for individuals to use |
| Customizable payment solutions for businesses | Fees vary depending on integration and may require direct contact |
| Business support via onboarding and direct communication | Unspecified support hours for customer service |
Which should you choose?
We’ve already highlighted the key features of both Guardarian and Overpay throughout this article. Ultimately, your choice will depend on what your business requires. Consider factors like integration ease, global reach, and security to figure out which platform best aligns with your needs.
Choose Guardarian if…
You’re looking for a transparent, flexible, and easy-to-integrate solution for accepting cryptocurrency payments. With its global reach, broad support for cryptocurrencies, and seamless setup process, Guardarian is ideal for businesses that want a straightforward, user-friendly crypto payment gateway with minimal hassle.
Choose Overpay if…
Your business requires a customized crypto payment solution, and you’re comfortable with the added complexity of direct communication to fine-tune integration details. If you have the technical resources and are after more flexibility in your payment system, Overpay could be the perfect fit for businesses seeking a tailored approach to crypto payments.
FAQ
How we compared Guardarian vs Overpay
In this comparison, we aimed to offer an objective evaluation of both platforms, focusing on aspects important to businesses looking to integrate crypto payment solutions, like fees, integration ease, supported assets, and customer support. We relied on official, publicly available information to ensure the comparison was based on reliable data.
While we gathered detailed insights into Guardarian through easily accessible resources, including reviews and user feedback, information about Overpay was more difficult to find in the public domain. This could be due to Overpay’s more closed-off approach to sharing details. Additionally, there were fewer user reviews available for Overpay compared to Guardarian, which has a stronger online presence and more visible feedback from users.
