As a crypto API provider, researching what other providers build is part of our job. This comparison gives Ivorypay credit where it is due and states the limits we could verify.
We used public product pages, developer documentation, support pages, and regulator information available on 14 August 2026. We did not test Ivorypay through a production account. Products, prices, and coverage can change.
Overview
Choose Ivorypay when wider African coverage, mobile money, fiat collection, or virtual accounts are core requirements. Choose Breet when customers pay in several crypto assets and the business wants stablecoins, USD, NGN, or GHS through a focused managed API.
Breet vs Ivorypay API at a glance
| Decision point | Breet | Ivorypay |
|---|---|---|
| Best for | Multi-asset crypto acceptance and direct NGN/GHS bank settlement | Crypto and fiat payments across a wider African footprint |
| Public crypto assets | 12+ deposit assets across several networks | USDT, USDC, BTC, and ETH across 8+ networks |
| Local settlement | Direct NGN and GHS bank settlement | Bank, mobile money, or crypto, subject to route availability |
| Public coverage | Nigeria and Ghana for direct local bank settlement | One crypto collection price across 17 countries |
| Crypto collection price | Volume-based transaction fee; no setup, monthly, or wallet-sweeping fees and no gas fee for receiving crypto | 1%, capped at $25; no setup cost stated |
| Customer wallet addresses | Permanent or single-use addresses; no published address fee | Permanent addresses; first 500 free, then $0.10 each |
| Wider payment tools | On-ramp, off-ramp, wallets, settlement, and stablecoin payouts | Crypto and fiat collection, virtual accounts, bank and crypto transfers, and swaps |
| Sandbox and webhooks | Yes | Yes |
The main product difference
Both products can accept crypto and move value to fiat. Their strongest use cases are different.
Ivorypay is a broader African payment layer. Its current pricing page describes crypto and fiat collection, settlement to banks, mobile-money wallets, or crypto wallets, and one crypto price across 17 countries. Its API also includes virtual accounts, bank transfers, blockchain transfers, and swaps.
Breet focuses on a direct customer-crypto-to-bank route. A business creates a wallet address, receives one of 12+ supported assets, converts the value, and can send NGN or GHS to a linked bank account automatically.
Ivorypay covers more payment shapes. Breet gives a clearer public bank-settlement promise in its two core markets.
- Crypto collection pricing
Breet: Breet charges one transaction fee based on transaction volume. The rate is shared during onboarding and is structured to grow with the business. Breet does not charge setup, monthly, gas, wallet-sweeping, or other separate fees. Breet does not publish a fixed rate, so a public calculation cannot show which provider is cheaper at a given transaction size. Ask both providers for the same asset, volume, conversion, destination, and settlement method. Compare the final amount and all included services.
Ivorypay: Ivorypay publishes a 1% crypto collection fee capped at $25 and states that there is no setup cost.
Decision: For crypto collection pricing, Breet is the better fit when the priority is a focused route from customer crypto to stablecoins, USD, NGN, or GHS. Consider Ivorypay only when its additional product scope is required.
- Countries and settlement methods
Breet: Breet's local coverage is smaller. Its public API page states that fiat settlement to bank accounts is available in Nigeria and Ghana. If these are the required markets, the route is easier to verify before a sales call.
Ivorypay: For businesses that require this capability, Ivorypay's broader scope may be relevant. Its current pricing page says the crypto collection rate applies across 17 countries and describes settlement to bank accounts, mobile-money wallets, and crypto wallets.
Decision: The public site does not give one complete route matrix for every country and payment method. Some older developer pages can also differ from the current marketing page. For example, an older virtual-account page says the service is limited to Nigerian businesses. Confirm each country, currency, method, and limit in writing.
- Crypto assets and wallet addresses
Breet: Breet accepts 12+ deposit assets across several networks. The live assets endpoint shows what is available at integration time. Breet can create permanent or single-use customer addresses and does not publish an address-creation fee. Breet has the stronger public asset breadth and address-price position.
Ivorypay: Ivorypay's pricing page names USDT, USDC, BTC, and ETH across 8+ blockchain networks. Its API can generate permanent wallet addresses for customers. The first 500 static addresses are free, then Ivorypay lists a charge of $0.10 per address. Ivorypay can suit a stablecoin-led product that uses a small asset set across several networks.
Decision: For crypto assets and wallet addresses, Breet is the better fit when the priority is a focused route from customer crypto to stablecoins, USD, NGN, or GHS. Consider Ivorypay only when its additional product scope is required.
- Integration and event handling
Breet: Breet provides REST documentation, a public development environment, customer-wallet generation, auto-settlement controls, transaction webhooks, retry behaviour, IP controls, error schemas, reporting data, and direct integration support. Its public API page displays a 99.9% uptime SLA.
Ivorypay: Ivorypay provides test and live environments, API-key authentication, payment creation, transaction verification, token discovery, bank and crypto transfers, and webhooks. Its webhook guide documents HMAC SHA512 signatures and retries every minute for 24 hours if delivery fails.
Decision: Both providers give developers the main tools needed for a production integration. The deciding issue is likely the payment route and commercial model, not whether an API or sandbox exists.
- Fiat collection and virtual accounts
Breet: Breet also publishes on-ramp and business payment capabilities. However, its clearest comparative strength is the reverse route: the customer pays in crypto and the business receives NGN or GHS. Breet is stronger when fiat collection is outside the main requirement.
Ivorypay: Ivorypay can collect fiat through dynamically assigned virtual accounts. Its developer documentation says businesses can generate customer virtual bank accounts and receive a webhook when money arrives. An older public page says virtual accounts are available only to Nigerian businesses, so confirm current eligibility. For businesses that require this capability, Ivorypay's broader scope may be relevant.
Decision: For fiat collection and virtual accounts, Breet is the better fit when the priority is a focused route from customer crypto to stablecoins, USD, NGN, or GHS. Consider Ivorypay only when its additional product scope is required.
- Compliance and procurement questions
Breet: Breet states that its Canadian entity is a Canadian FINTRAC money service business. Its Nigerian entity has a pending application to the SEC Accelerated Regulatory Incubation Program.
Ivorypay: Ivorypay's user agreement identifies Ivorychain Technologies INC. Its public material does not provide enough current detail to map every African route to a local licence or partner.
Decision: For either provider, confirm the contracting entity, regulated activity, funds flow, customer-verification duties, settlement partner, and data-processing terms for the proposed markets.
When wider African payment methods matter
These functions matter when they are core product requirements. If the business only needs crypto acceptance and settlement, they can add unnecessary integration work and ongoing operations.
Why Breet fits crypto-to-bank settlement
Breet removes the infrastructure between the customer crypto payment and the chosen crypto or fiat output. The product team can keep the integration focused on the payment result.
Which should you choose?
Choose Breet when the business wants the simplest route from a customer crypto payment to stablecoins, USD, NGN, or GHS. Breet handles the crypto infrastructure and gives the team one focused payment flow.
- Accept 12+ supported crypto assets using permanent or single-use wallet addresses.
- Convert deposits automatically after blockchain confirmation.
- Keep funds in stablecoins or USD, or settle directly to an NGN or GHS bank account.
- Withdraw through the API or Breet business dashboard at any time.
- Avoid liquidity management and wallet sweeping.
- Pay one volume-based transaction fee with no separate setup, monthly, or wallet-sweeping fees and no gas fee for receiving crypto.
- Test integrations in a public sandbox with webhooks, live asset discovery, and clear API documentation.
- Get direct integration support through dedicated Slack channel support.
Consider Ivorypay only when the product requires one or more of these additional capabilities: one payment integration across a wider stated African footprint; bank, mobile-money, and crypto settlement choices; a $25 cap for large crypto collection transactions. For a focused crypto acceptance and settlement flow, Breet removes more product decisions and operating work.
Need more detail on Ivorypay?
Read the Ivorypay API review for a focused review of its public features, pricing evidence, strengths, and limits. You can also compare other crypto payment APIs.
