Cryptopay Review (2026) — Crypto Payment Gateway for Businesses

Overview

Cryptopay is a crypto payment gateway for modern businesses, letting merchants accept 19 cryptocurrencies and settle in either crypto or fiat with next-day bank settlement. Founded in 2013, Cryptopay has 12+ years on the market, processes 8M+ yearly transactions and $3B+ in annual transaction volume, with zero platform hacks and zero internal loss of funds.

Merchants can start accepting crypto in 3 steps with no code required: create a checkout flow (pre-built components or a customizable ready-made payment page), integrate and test with dedicated integration managers, then accept and track payments — settling in crypto or fiat with funds available shortly after confirmation.

Cryptopay offers payment links, online checkout, channels (a unique static address per customer), and a flexible RESTful API for full UI control. It plugs into popular e-commerce platforms and serves industries from SaaS and Web3 to gaming, tourism, e-commerce and real estate.

Virtual asset services are provided by Richield Financial Services Inc., a Canadian-registered Money Service Business. Cryptopay does not market to EEA or US residents.

Best for: merchants and businesses that want a mature, low-friction crypto payment gateway with automatic fiat settlement and strong security track record.

Fees & Pricing

Transaction fees

Competitive transaction fees on processed crypto payments.
No setup fees — integration is free.
Enhanced security measures help mitigate fraud risks and reduce hidden costs.

Settlement

Choose to get settled in crypto or fiat.
Next-day bank settlement with automatic withdrawals to your bank account.
Timely crypto-to-fiat conversions reduce exposure to market volatility.

Other costs

No hidden fees — pricing is disclosed during onboarding.
Network/gas fees may apply for on-chain transactions.

Features & Integrations

Accept crypto in 3 steps

Create your checkout flow — pre-built components or a customizable ready-made payment page.
Integrate and test — dedicated integration managers help you start quickly.
Accept and track payments — settle in crypto or fiat; funds available shortly after confirmation.

Payment methods

Payment links — generate and share links in a few clicks.
Online checkout — pre-built payment page for your website.
Channels — a unique static address per customer for repeat payments.

Management & reporting

Automatic withdrawals to your bank account.
Next-day bank settlement.
Detailed reporting and dashboards.
Customer retention tools.

Developer tools

Flexible RESTful API for full UI control.
Library of pre-built components.
E-commerce plugins and prebuilt integrations.
Payment widget and payment button.

Trust & security

12+ years on the market.
Zero platform hacks, zero internal loss of funds.
8M+ yearly processed transactions.
$3B+ annual transaction volume.
AML/KYC policy and regulatory disclosures.

Industries

SaaS, Web3, consulting, gaming, tourism, e-commerce, real estate and more.

Pros & Cons

Pros

12+ years on the market — mature, battle-tested gateway
Zero platform hacks and zero internal loss of funds
8M+ yearly transactions and $3B+ annual volume
Accept 19 cryptocurrencies across international markets
Settle in crypto or fiat with next-day bank settlement
Automatic withdrawals to your bank account
No setup fees — competitive transaction fees
Three integration paths: payment links, online checkout, channels
Flexible RESTful API with pre-built components
Dedicated integration managers for fast onboarding
Customer retention tools and detailed reporting
Crypto-to-fiat conversion reduces volatility exposure

Cons

Not available to EEA or US residents (Richield Financial Services Inc.)
KYC required for business accounts
19 cryptocurrencies — smaller long-tail than some competitors
Exact transaction-fee percentages not published publicly
VASP/MSB-registered — regulatory limits vary by jurisdiction
No native NFT checkout or tokenization tooling

Frequently Asked Questions

What is Cryptopay?

Cryptopay is a crypto payment gateway for modern businesses, letting merchants accept 19 cryptocurrencies and settle in crypto or fiat with next-day bank settlement. Founded in 2013, it processes 8M+ yearly transactions and $3B+ in annual volume with zero platform hacks.

How do I start accepting crypto with Cryptopay?

In 3 steps with no code required: create a checkout flow (pre-built components or customizable payment page), integrate and test with help from integration managers, then accept and track payments — settling in crypto or fiat.

What are Cryptopay’s fees?

Cryptopay charges competitive transaction fees with no setup fees. Exact percentages are disclosed during onboarding; there are no hidden fees.

How quickly will I receive payments?

Funds are typically available shortly after confirmation. You can choose next-day bank settlement in fiat, or settle in crypto, with automatic withdrawals to your bank account.

Which cryptocurrencies are supported?

Cryptopay supports 19 cryptocurrencies including BTC, ETH, USDT, USDC, LTC, XRP, BCH, DOGE and more.

Is Cryptopay available in my country?

Cryptopay is available globally except to residents of the EEA and the United States. Virtual asset services are provided by Richield Financial Services Inc., a Canadian-registered Money Service Business.

Does Cryptopay integrate with my e-commerce platform?

Yes — Cryptopay offers a RESTful API, pre-built payment page, payment widget, payment button, payment links, channels, and e-commerce plugins for platforms like Shopify and WooCommerce.

Cryptopay