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Best of · Ethereum · Updated

The best Payments dApps on Ethereum in 2026

We track 18 Payments dApps that run on Ethereum and have reviewed 12 of them in full. Our top pick is Sablier Lockup. Each one is scored on security, ease of use, fees and features.

Ranked list

  1. 1
    Sablier Lockup logo

    Sablier Lockup

    Payments · Ethereum, Polygon, Arbitrum +25

    Sablier Lockup lets organizations distribute tokens on-chain over custom vesting schedules. Check the fees and contract risks before you fund a stream.

    Read the Sablier Lockup reviewVisit Sablier Lockup(opens in a new tab)
    ScoreScore 7.0 out of 10
    TVL $1.75M−4.0%
  2. 2
    Superfluid logo

    Superfluid

    Payments · Optimism, Base, Polygon +7

    Superfluid lets you send and receive continuous onchain payments, such as salaries, subscriptions and rewards. It is a protocol and app, not a bank account; check the network, token and stream rate before you commit funds.

    Read the Superfluid reviewVisit Superfluid(opens in a new tab)
    ScoreScore 6.3 out of 10
    TVL $5.28M−4.5%
  3. 3
    Streamflow logo

    Streamflow

    Payments · Solana, Aptos, BNB Chain +3

    Streamflow automates token vesting, airdrops, staking and payouts, with its services focused on Solana. Check its unpublished fee details and the scope of its audits before committing funds.

    Read the Streamflow reviewVisit Streamflow(opens in a new tab)
    ScoreScore 6.2 out of 10
    TVL $10.3M−6.0%
  4. 4
    LlamaPay logo

    LlamaPay

    Payments · BNB Chain, Arbitrum, Ethereum +19

    LlamaPay lets you set up recurring crypto payments that accrue continuously, so recipients can withdraw as they earn. Check the contract, token support and costs on your chosen chain before funding a stream.

    Read the LlamaPay reviewVisit LlamaPay(opens in a new tab)
    ScoreScore 6.2 out of 10
    TVL $2.05M−12.4%
  5. 5
    PagCrypto logo

    PagCrypto

    Payments · Solana, Ethereum, Stellar +5

    PagCrypto, now presented as PagFinance, lets you pay Brazilian PIX transfers and boletos from a crypto wallet. Its published fees are clear, but check which assets are live and what protections apply before paying.

    Read the PagCrypto reviewVisit PagCrypto(opens in a new tab)
    ScoreScore 6.1 out of 10
    TVL —
  6. 6
    Sablier Flow logo

    Sablier Flow

    Payments · Ethereum, Arbitrum, Base +23

    Sablier Flow lets you make ongoing on-chain token payments that recipients can withdraw as they accrue. Its per-withdrawal interface fee is clear, but check the contract details and the reported support wind-down before funding a stream.

    Read the Sablier Flow reviewVisit Sablier Flow(opens in a new tab)
    ScoreScore 6.0 out of 10
    TVL $485K−14.5%
  7. 7
    UniVoucher logo

    UniVoucher

    Payments · Base, Polygon, Ethereum +4

    UniVoucher lets you create and redeem crypto gift cards using a wallet and a secret code. Check the redemption costs and security details before putting funds into a card.

    Read the UniVoucher reviewVisit UniVoucher(opens in a new tab)
    ScoreScore 5.8 out of 10
    TVL $197−0.0%
  8. 8
    Node Runners logo

    Node Runners

    Payments · Arbitrum, Base, Ethereum +3

    Node Runners appears on its official site as NodeRails, a crypto payment platform for merchants. It offers checkout and payouts, but its full fees, licensing and custody details need checking before you route funds through it.

    Read the Node Runners reviewVisit Node Runners(opens in a new tab)
    ScoreScore 5.3 out of 10
    TVL —
  9. 9
    Pay Protocol logo

    Pay Protocol

    Payments · Tron, BNB Chain, Ethereum

    Pay Protocol is business-focused payment and wallet infrastructure built around smart-contract accounts. Its self-custody approach may suit companies, but fees, independent security evidence and exact network support need checking before you integrate.

    Read the Pay Protocol reviewVisit Pay Protocol(opens in a new tab)
    ScoreScore 5.2 out of 10
    TVL $1.19M−37.4%
  10. 10
    Sablier Legacy logo

    Sablier Legacy

    Payments · Ethereum, Polygon, BNB Chain +4

    Sablier Legacy lets you receive token distributions through the original Sablier protocol, but it has been superseded by Sablier Lockup. Check that your stream is on a supported chain and confirm its terms before interacting.

    Read the Sablier Legacy reviewVisit Sablier Legacy(opens in a new tab)
    ScoreScore 5.0 out of 10
    TVL $495K−1.1%
  11. 11
    Papayaswap logo

    Papayaswap

    Payments · Ethereum, BNB Chain, Polygon +4

    Papaya combines US–Vietnam business payments, wallet DCA and recurring stablecoin-payment tools. Costs, custody and independent security checks are not clearly published, so verify the terms for the specific product before sending funds.

    Read the Papayaswap reviewVisit Papayaswap(opens in a new tab)
    ScoreScore 4.8 out of 10
    TVL —
  12. 12
    Onchain Trade logo

    Onchain Trade

    Payments · Bitcoin, Solana, BNB Chain +4

    Onchain Trade is branded on its site as Onchainpay, a payment gateway for businesses that want to accept crypto and manage payouts. Its feature set is broad, but published fees and clear custody and licensing details are missing.

    Read the Onchain Trade reviewVisit Onchain Trade(opens in a new tab)
    ScoreScore 4.5 out of 10
    TVL —
  13. 13
    Suterusu logo

    Suterusu

    Payments · BNB Chain, Ethereum

    Suterusu is a payments project on Bnb Chain and Ethereum. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.

    Read the Suterusu review
    ScoreNot rated yet
    TVL $333−1.2%
  14. 14

    Rozo

    Payments · Base, Bitcoin, BNB Chain +4

    Rozo appears to offer cross-chain payment tools for merchants, but key details about fees, security and how to get started are not published. There isn’t enough information to recommend using it for payments yet.

    Read the Rozo review
    ScoreNot rated yet
    TVL —
  15. 15
    Deltachain logo

    Deltachain

    Payments · Ethereum

    Deltachain is a payments project on Ethereum. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.

    Read the Deltachain reviewVisit Deltachain(opens in a new tab)
    ScoreNot rated yet
    TVL —
  16. 16

    Arbiz

    Payments · Ethereum

    Arbiz is a payments project on Ethereum. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.

    Read the Arbiz review
    ScoreNot rated yet
    TVL —
  17. 17

    Helio Web3 Payments

    Payments · Solana, Ethereum, Polygon

    Helio is a crypto checkout service for merchants and creators, supporting Solana, Ethereum and Polygon. Its fees, custody model and security details are not publicly disclosed, so merchants have limited information for evaluating it before use.

    Read the Helio Web3 Payments review
    ScoreNot rated yet
    TVL —
  18. 18

    Onexfer

    Payments · Ethereum

    Onexfer is a payments project on Ethereum. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.

    Read the Onexfer review
    ScoreNot rated yet
    TVL —

Payments dApps on Ethereum: the numbers

Tracked
18
Reviewed
18
Total TVL
$21.5M
Avg. score
5.7/10

There are 18 payments dApps on Ethereum in the SkyBitcoins index. Every one of them has a full review. The 9 that report TVL hold $21.5M between them, counting value on every chain they support. Streamflow is the clear leader, holding 48% of it. The five largest make up 95% of the total; the median is $1.19M.

Ranked by TVL, Streamflow ($10.3M), Superfluid ($5.28M) and LlamaPay ($2.05M) lead the field. The best-rated is Sablier Lockup with 7.0/10, followed by Superfluid (6.3) and Streamflow (6.2). The 12 rated payments dApps average 5.7/10, and none scores 8 or above yet.

Many also deploy elsewhere, most often on Polygon (12), BNB Chain (12) and Arbitrum (9). All 13 with a confirmed status are active. In the past week, total value locked fell 8.7%. Pay Protocol dropped the most (−37.4%).

Largest by TVL

  1. 1Streamflow logoStreamflow$10.3M
  2. 2Superfluid logoSuperfluid$5.28M
  3. 3LlamaPay logoLlamaPay$2.05M
  4. 4Sablier Lockup logoSablier Lockup$1.75M
  5. 5Pay Protocol logoPay Protocol$1.19M

Highest rated

  1. 1Sablier Lockup logoSablier Lockup7.0
  2. 2Superfluid logoSuperfluid6.3
  3. 3Streamflow logoStreamflow6.2
  4. 4LlamaPay logoLlamaPay6.2
  5. 5PagCrypto logoPagCrypto6.1

Method

How we ranked them

Reviewed dApps come first. Each SkyBitcoins review scores security, ease of use, fees and features from 0 to 10 using public facts such as audits, documentation and on-chain data; the overall score orders the list, with total value locked as the tie-breaker. Projects we have not reviewed yet follow, ordered by total value locked. Scores are never sold.

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Frequently asked questions

What is the largest payments dApp on Ethereum by TVL?

Streamflow is the largest payments dApp on Ethereum by total value locked, with $10.3M across all the chains it supports. It is followed by Superfluid ($5.28M) and LlamaPay ($2.05M). TVL figures come from DefiLlama and change daily.

Which payments dApp on Ethereum has the highest SkyBitcoins score?

Sablier Lockup has the highest score at 7.0/10, ahead of Superfluid (6.3) and Streamflow (6.2). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.

How many payments dApps on Ethereum has SkyBitcoins reviewed?

SkyBitcoins tracks 18 payments dApps on Ethereum. Of these, 18 have a full review and 9 report value locked, $21.5M in total, counting value on every chain they support.

Which payments dApps on Ethereum grew the most this week?

Among payments dApps with at least $1M locked, Pay Protocol the biggest drop (−37.4%). Combined TVL moved −8.7% over the same seven days.

What is the average score for payments dApps on Ethereum?

The 12 rated payments dApps on Ethereum average 5.7 out of 10. Of these, 0 score 8 or higher and 2 score below 5.