In this article, I’ll review the Best Crypto Payment Gateway and how it propels the acceptance of cryptocurrency payments by businesses with ease.
Selecting the appropriate gateway ensures that the transactions completed will be highly secure, charge minimal fees, and offer support for a variety of cryptocurrencies.
Regardless of whether you own an online store, an NFT marketplace, or an online service, the proper crypto payment gateway will ease payment processes and improve customer satisfaction at a global scale.
How To Choose the Best Crypto Payment Gateway
Supported Cryptocurrencies
Check if clients pay in currencies supported by the gateways like USDT, BTC, USD, and ETH. The more coins offered the more potential customers you can reach.
Custodial vs Non-Custodial
Custodial gateways will hold your funds like CoinPayments while Non-Custodial gateways like BTCPay server and NOWPayments let you keep control of your funds. The preference of power, trust, and comfort can be a deciding factor in the payment systems.
Fiat Conversion Options
Look for auto Crypto to Fiat conversion gateways if you want to settle in the local currency.
Integration & Plugins
Look for payment systems that offer plugins with your business platform like Shopify, WooCommerce, and Magento. The more payment systems offered, the more streamlined the business.
Fees & Pricing
Look for payment gateways such as BTCPay Servers that offer no fees, but require technical setups. Server setups should only be installed with the right server systems in place to avoid tracking fees.
Key Points
| Gateway | Key Features |
|---|---|
| NOWPayments | Non-custodial, over 100 coins, instant notifications, fiat conversion |
| CoinGate | Easy integration, supports 70+ coins, subscription billing, POS system |
| BitPay | Multi-coin support, invoicing, payroll, POS integration, debit card |
| CoinPayments | Multi-coin wallet, invoicing, shopping cart plugins, mobile app |
| B2BinPay | Supports 250+ coins, on-chain/off-chain transactions, API integration, white-label solutions |
| SpicePay | Multi-currency wallet, fiat conversion, security features, easy integration |
| BTCPay Server | Open-source, self-hosted, supports multiple coins, no KYC required |
| Stripe | Global reach, fiat and crypto support, advanced fraud protection |
| PayPal (Crypto) | Supports 100+ cryptocurrencies, instant conversion to fiat, low fees |
| MoonPay | Supports 160+ countries, fiat-to-crypto and crypto-to-fiat transactions, NFT support |
1. NOWPayments
NOWPayments started operating in 2019, and it has its headquarters in Amsterdam as a non-custodial crypto payment gateway service provider.
In addition to Bitcoin (BTC), Ethereum (ETH), and Tether (USDT), its more than 300 supported crypto assets include a variety of digital currencies.
The competitively low payment fee of 0.5% for mono-currency payments and 1% for multi-currency transactions (excluding blockchain network fees) is one of their payment system highlights.
In particular, it meets the payment needs of small and medium-sized enterprises (SMEs), e-commerce merchants, and freelancers wanting to integrate crypto payment systems easily.
| Feature | Details |
|---|---|
| Supported Coins | 300+ cryptocurrencies |
| Type | Non-custodial |
| Conversion Options | Auto coin conversion, fiat conversion |
| Integrations | WooCommerce, WHMCS, OpenCart, Shopify |
| Tools | Donation widget, invoicing, API |
| Notifications | Instant payment notifications |
| Security | High-level encryption, no custody |
2. CoinGate
Founded in 2014 in Vilnius, Lithuania, CoinGate is an all-around crypto payment gateway that supports more than 70 cryptocurrencies, such as BTC, ETH, USDT, and BNB .
It has no minimum transaction fee of 1% of the value of the payment processed for crypto payments, while conversion of other currencies and crypto payouts have their own charges.
CoinGate is more than ideal for eCommerce vendors, digital service providers, and businesses that want full automation of crypto payment integration and the ability to settle in fiat and make bulk payments .
| Feature | Details |
|---|---|
| Supported Coins | 70+ cryptocurrencies |
| Fiat Settlement | EUR, USD, BTC |
| Integrations | Plugins for WooCommerce, Magento, PrestaShop |
| POS Support | Mobile POS apps |
| Lightning Network | Supported |
| Recurring Billing | Available |
| API Access | Full-featured API |
3. BitPay
Stephen Pair and Tony Gallippi opened BitPay in 2011, and it is one of the fastest-growing crypto payment gateways, located in Atlanta, Georgia.
With the ability to pay in over 100 cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Dogecoin (DOGE), and numerous stablecoins, these transactions are made easy.
For volume monthly transactions, BitPay charges tiered monthly payment ranging from 2% plus 25 cents to 1% with a transaction fee of $1.
BitPay is the best option for large companies because it lets global retailers and luxury items merchants accept digital currency and changes it to fiat currency for instant withdrawals to minimize volatility.
| Feature | Details |
|---|---|
| Supported Coins | BTC, BCH, ETH, and more |
| Fiat Settlement | USD, EUR, GBP |
| Invoicing | Crypto invoices with QR codes |
| Card Services | BitPay Visa card |
| Fees | Up to 1.9% |
| Security | Multi-sig wallets, 2FA |
| Integrations | Shopify, WooCommerce, API |
4. CoinPayments
CoinPayments was founded in 2013 and is based in Vancouver, Canada. They are a complete payment gateway with cryptocurrency and offer support for more than 2,350 cryptocurrencies, such as Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC).
Moreover, the platform has a flat 0.5% fee on incoming payments and does not charge additional fees for withdrawals or conversions, practically making it one of the price-friendly options in the market.
They also serve eCommerce merchants, digital service providers, and high-risk companies with seamless, secure, and scalable payment solutions for cryptocurrency payments.
| Feature | Details |
|---|---|
| Supported Coins | 2,000+ cryptocurrencies |
| Wallet | Built-in custodial wallet |
| Conversion | Coin swaps available |
| Security | 2FA, email alerts |
| Integrations | Plugins for major eCommerce platforms |
| Merchant Tools | Invoicing, donation buttons |
5. B2BinPay
Founded in 2014 in Tallinn, Estonia, B2BinPay is an all-in-one crypto payment gateway like no other, offering more than 350 cryptocurrencies and tokens, including BTC, ETH, and XRP, along with stablecoins.
B2BinPay processing fees are relatively inexpensive, ranging from 0.25% to 0.4% for coins, 0.35% to 0.5% for stablecoins and liquid tokens, and 0.5% for bank withdrawals.
B2BinPay is best suited for forex brokers, crypto brokers, markets, e-commerce, gaming and gambling operators.
Businesses wanting payment and crypto payment conversion in real time with strong European compliance laws, and fast crypto payment settlements will find B2BinPay a perfect fit.
| Feature | Details |
|---|---|
| Supported Coins | Major cryptocurrencies |
| Conversion | Crypto-to-fiat conversion |
| API Access | Enterprise-grade API |
| Wallet Support | Multi-wallet architecture |
| Real-Time Updates | Balance and transaction tracking |
| Security | Advanced encryption, KYC/AML compliance |
6. SpicePay
SpicePay is a Belize-based cryptocurrency payment gateway founded in 2013. It aims to help companies across the globe.
It is integrated with major cryptocurrencies Bitcoin (BTC), Ethere (ETH), Litecoin (LTC), and Bitcoin Cash (BCH) so both buyers and sellers have ample options. SpicePay charges 1% transaction fee.
This is much more competitive than the fees charges by most payment processors. As a result, SpicePay is very appealing for companies trying to lower their fee.
It is highly useful to e commerce companies, digital service companies, and donations looking to receive cryptocurrency quickly and affordably.
The payment experience is very streamlined owing to the user-friendliness of SpicePay, its ability to convert cryptocurrencies to fiat, and its integration capabilities.
SpicePay also ensures that its transactions are accurate, speedy, and secure. Funds for merchants in the EU are available in under 24 hours.
| Feature | Details |
|---|---|
| Supported Coins | BTC, LTC, ETH |
| Fiat Withdrawals | PayPal, SEPA, bank transfer |
| Fees | Low transaction fees |
| Merchant Tools | Invoicing, donation buttons |
| Integration | Simple API and plugins |
7. BTCPay Server
BTCPay Server is a self-hosted open-source cryptocurrency payment processor that focuses on giving merchants full control over the entire payment process.
Merchants deal primarily with Bitcoin (BTC) and the Lightning Network, and optional community-maintained plugins are also available for other cryptocurrencies like Litecoin (LTC), Dogecoin (DOGE), and Monero (XMR).
The garnish and a zero fee policy on transactions which enables businesses to accept cryptocurrency payments and funds directly to their wallets without any transaction middleware makes the BTCPay Server unique.
Businesses, e-commerce merchants and even non-profit organization which want to accept cryptocurrency payments seamlessly BTCPay Server meets their needs perfectly.
| Feature | Details |
|---|---|
| Type | Open-source, self-hosted |
| Fees | No fees |
| Control | Full control over funds |
| Lightning Network | Supported |
| Privacy | No third-party involvement |
| Tools | Invoice generation, payment buttons |
8. Stripe
Founded in 2010, brothers Patrick and John Collison had opened Stripe, which specializes in Financial infrastructure, having an office in South San Francisco, California, and Dublin, Ireland.
In 2015, Stripe was the very first payment processor in the world to support Bitcoin, which was later discontinued in 2018 due to volatility issues.
In recent years, Stripe decided to again focus on cryptocurrency, but this time on crypto that focuses on stablecoins.
Stripe focuses on USDC payments on blockchains such as Ethereum, Solana, Polygon and Base, charging a 1.5% fee .
For Stripe users, blockless payments are very appropriate for platforms, marketplaces and Web3 applications.
| Feature | Details |
|---|---|
| Supported Coins | USDC on Ethereum, Solana, Polygon |
| Conversion | Instant fiat conversion |
| API Access | Developer-friendly APIs |
| Integration | Stripe Checkout, Connect |
| Compliance | KYC, AML built-in |
9. PayPal (Crypto)
PayPal (Crypto) is an innovative technology company and digital payment software that began offering digital payment services after incorporating Cryptocurrency technology assets into its services.
It began as a Confinity company in 1998 and merged with X.com, then paid its members to rebrand to PayPal in 2001.
Users were first given the ability to buy, sell, and hold digital currencies such as Bitcoin, Ethereum, Bitcoin cash, and Litecoin.
In July 2025, the company introduced the new “Pay with Crypto” feature, enabling U.S. merchants to accept payments in over 100 cryptocurrencies, including Bitcoin, Ethereum, and Solana, as well as payment systems like Coinbase and MetaMask.
Users who buy the PayPal stablecoin, PYUSD, which is pegged to the U.S. dollar, have the capacity to earn up to a 4% annual yield.
PayPal also charges a low transaction fee of 0.99% for the first year and 1.5% after that, less than traditional credit card processing rates.
U.S. Merchants that aim to sell to other countries spend less dollars to process payments from cross-border transactions.
| Feature | Details |
|---|---|
| Supported Coins | BTC, ETH, LTC, BCH |
| Buy/Sell/Hold | Available within PayPal |
| Checkout with Crypto | Converts crypto to fiat at checkout |
| Wallet Integration | Seamless with PayPal account |
| Withdrawal Options | Limited crypto withdrawals |
10. MoonPay
MoonPay was created in 2019 by ‘Soto-Wright’ and ‘Faramond’ and is a fintech company based in Miami that focuses on payment solutions in cryptocurrency.
They have been paired with over 180 countries and over 170 cryptocurrencies which include Bitcoin (BTC), Ethereum (ETH), Solana (SOL), XRP and USDC.
MoonPay has payment methods through credit cards, and bank transfers, and Apple, Paypal, and pays through its’ ‘MoonPay balance’ payment method
Users can purchase tokens with fiat, free of charge. Users that deposit through cards are charged a fee that can go up to 4.5%.
In this case, funds in MoonPay balance can be used to avoid this charge. The primary target customers are newbies
NFT generators and digital marketplaces that need to undergo a payment transaction in a matter of seconds.
| Feature | Details |
|---|---|
| Supported Coins | 80+ cryptocurrencies |
| Fiat Onramp | Credit/debit card payments |
| KYC Compliance | Required for all users |
| NFT Checkout | Integrated NFT purchase tools |
| Mobile Support | Optimized for mobile devices |
Conclsuion
In conclusion, the best crypto payment gateway is the one that fulfills the business requirements, including cryptocurrencies that can be used, costs, security, and integration options.
NOWPayments, CoinGate, BitPay, and MoonPay are examples of platforms with varied features for merchants and e-commerce and NFT marketplace stores.
Assess the speed, reliability, and global availability of these gateways for hassle-free and safe crypto transactions.
FAQ
A platform that enables businesses to accept cryptocurrency payments securely and convert them to crypto or fiat.
Popular options include Bitcoin (BTC), Ethereum (ETH), USDT, Litecoin (LTC), and stablecoins.
Fees vary by gateway, typically 0.5%–2% per transaction, sometimes higher for card purchases.
Yes, most gateways offer instant conversion to USD, EUR, or local currency.