Best of · Ethereum · Updated
The best Payments dApps on Ethereum in 2026
We track 18 Payments dApps that run on Ethereum and have reviewed 14 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
Sablier Lockup
Payments · Ethereum, Polygon, Arbitrum +25
Sablier Lockup is a permissionless protocol for onchain token vesting and airdrops, used by DAOs and businesses on many EVM chains. It is a focused, audited tool, though fees and some chain details need checking before use.
ScoreScore 8.0 out of 10TVL $1.76M−4.2% - 2
Streamflow
Payments · Solana, Aptos, BNB Chain +3
Streamflow is a Solana-focused platform for token vesting, airdrops, staking and locks, with about $10.9M TVL on DefiLlama. It suits teams that want on-chain distribution, but fee details are not in the material reviewed.
ScoreScore 7.4 out of 10TVL $10.5M−4.7% - 3
LlamaPay
Payments · BNB Chain, Arbitrum, Ethereum +19
LlamaPay is a multi-chain protocol that streams crypto payments by the second, so recipients can withdraw what they have earned at any time. It suits DAOs and crypto-native teams that pay in stablecoins and want to skip manual monthly transfers.
ScoreScore 7.4 out of 10TVL $2.07M+5.2% - 4
Superfluid
Payments · Optimism, Base, Polygon +7
Superfluid is a money streaming protocol that moves tokens between addresses continuously, by the second, across ten EVM networks. It suits builders and crypto-native teams, while casual users should expect a learning curve.
ScoreScore 7.3 out of 10TVL $5.35M−5.0% - 5
Sablier Flow
Payments · Ethereum, Arbitrum, Base +23
Sablier Flow lets a sender pay a recipient at a constant per-second rate and top up the balance over time. It suits recurring pay such as salaries and contributor budgets, but usage is still modest.
ScoreScore 7.2 out of 10TVL $485K−16.3% - 6
PagCrypto
Payments · Solana, Ethereum, Stellar +5
PagCrypto, branded PagFinance, lets users pay Brazilian PIX transfers and boletos from a self-custody wallet using stablecoins and other crypto. Fees run 1% to 2% with a minimum, and KYC is required.
ScoreScore 7.0 out of 10TVL — - 7
Pay Protocol
Payments · Tron, BNB Chain, Ethereum
Pay Protocol is a non-custodial crypto payment and wallet-as-a-service platform for businesses, built on smart contracts instead of private-key custody. It is a business tool rather than a consumer app, and its security claims have no audit listing to back them up.
ScoreScore 6.6 out of 10TVL $1.12M−39.4% - 8
Node Runners
Payments · Arbitrum, Base, Ethereum +3
NodeRails offers merchants crypto checkout, payment links, subscriptions, invoicing, payouts, and bank settlement. Its broad payment toolkit is appealing, but pricing and the details behind its dispute and escrow protections need clarification.
ScoreScore 6.5 out of 10TVL — - 9
Papayaswap
Payments · Ethereum, BNB Chain, Polygon +4
Papaya is a protocol for recurring stablecoin payments, with continuous streaming or fixed-period subscriptions. Its no-per-cycle transaction model may suit payment providers and crypto products, but contract and integration details matter.
ScoreScore 6.5 out of 10TVL — - 10
Onchain Trade
Payments · Bitcoin, Solana, BNB Chain +4
Onchainpay is a cryptocurrency payment gateway for businesses, with invoicing, crypto withdrawals, fiat settlement and API integrations. Its feature set is broad, but merchants should confirm fees, settlement terms and security details before relying on it.
ScoreScore 6.2 out of 10TVL — - 11
Sablier Legacy
Payments · Ethereum, Polygon, BNB Chain +4
Sablier Legacy is the original 2019 version of Sablier's token streaming protocol, kept online so recipients can still reach older streams. It suits existing users rather than newcomers looking to start new vesting or payroll.
ScoreScore 6.0 out of 10TVL $496K−0.3% - 12
UniVoucher
Payments · Base, Polygon, Ethereum +4
UniVoucher is a gift card protocol where a card is funded with ETH or an ERC20 token on an EVM chain and redeemed by anyone holding its secret code. Its on-chain footprint is very small, and the protocol's own fees and team are not published.
ScoreScore 5.5 out of 10TVL $197+0.0% - 13
Helio Web3 Payments
Payments · Solana, Ethereum, Polygon
Helio is a merchant-focused crypto payments platform for checkout and subscriptions, now part of MoonPay. Its payment tools are relevant to online businesses, but fees, custody and security details are not stated.
ScoreScore 5.5 out of 10TVL — - 14
Suterusu
Payments · BNB Chain, Ethereum
Suterusu is described as a second-layer private payment protocol for smart-contract platforms, associated with BNB Chain and Ethereum. Its current product details and how users access it are unclear.
ScoreNot rated yetTVL $335−1.0% - 15
Rozo
Payments · Base, Bitcoin, BNB Chain +4
Rozo offers crypto payment and funding tools for merchants, wallets, and agents, including checkout and Lightning payment routes. Its product range is clear, but fees, custody, and security details are not.
ScoreNot rated yetTVL — - 16
Deltachain
Payments · Ethereum
DeltaChain describes an Ethereum-based DELTA token and a proposed crypto payments and merchant-affiliate platform. Its current functionality and development status are unclear.
ScoreNot rated yetTVL — - 17
Arbiz
Payments · Ethereum
Arbiz is described as a token for users participating in campaigns, but its use, operating model, and official channels are unclear.
ScoreNot rated yetTVL — - 18
Onexfer
Payments · Ethereum
OneXfer is presented as an AI-powered blockchain platform for international transfers, with an associated XFX token. Its operating details and the availability of its payment service remain unclear.
ScoreNot rated yetTVL —
Payments dApps on Ethereum: the numbers
- Tracked
- 18
- Reviewed
- 18
- Total TVL
- $21.8M
- Avg. score
- 6.7/10
There are 18 payments dApps on Ethereum in the DappsAtlas index. Every one of them has a full review. The 9 that report TVL hold $21.8M 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 $1.12M.
Ranked by TVL, Streamflow ($10.5M), Superfluid ($5.35M) and LlamaPay ($2.07M) lead the field. The best-rated is Sablier Lockup with 8.0/10, followed by Streamflow (7.4) and LlamaPay (7.4). The 13 rated payments dApps average 6.7/10; 1 reach 8 or above.
Many also deploy elsewhere, most often on Polygon (12), BNB Chain (12) and Arbitrum (9). All 13 with a confirmed status are active. Over the last seven days, combined TVL fell 6.8%. LlamaPay gained the most (+5.2%), while Pay Protocol dropped the most (−39.4%).
Largest by TVL
- 1
Streamflow$10.5M
- 2
Superfluid$5.35M
- 3
LlamaPay$2.07M
- 4
Sablier Lockup$1.76M
- 5
Pay Protocol$1.12M
Highest rated
- 1
- 2
- 3
- 4
- 5
Sablier Flow7.2
Method
How we ranked them
Reviewed dApps come first. Each DappsAtlas 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 $10.5M across all the chains it supports. It is followed by Superfluid ($5.35M) and LlamaPay ($2.07M). TVL figures come from DefiLlama and change daily.
Which payments dApp on Ethereum has the highest DappsAtlas score?
Sablier Lockup has the highest score at 8.0/10, ahead of Streamflow (7.4) and LlamaPay (7.4). 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 DappsAtlas reviewed?
DappsAtlas tracks 18 payments dApps on Ethereum. Of these, 18 have a full review and 9 report value locked, $21.8M 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, LlamaPay had the biggest 7-day TVL gain (+5.2%) and Pay Protocol the biggest drop (−39.4%). Combined TVL moved −6.8% over the same seven days.
What is the average score for payments dApps on Ethereum?
The 13 rated payments dApps on Ethereum average 6.7 out of 10. Of these, 1 score 8 or higher and 0 score below 5.