BTC$76,742-0.04%|
ETH$2,261.39+0.48%|
USDT$0.99884+0.02%|
BNB$689.0300-0.90%|
XRP$1.2700+1.15%|
USDC$0.99948+0.02%|
SOL$91.7600-0.37%|
TRX$0.32107+0.09%|
FIGR_HELOC$1.0300-0.22%|
ZEC$1,202.74+5.96%|
HYPE$82.9500-0.57%|
XMR$627.8100+3.60%|
DOGE$0.07375-0.36%|
USDS$0.99997+0.02%|
WBT$73.7900+0.02%|
LEO$9.3000-0.36%|
LINK$10.8600-2.40%|
ADA$0.18682-0.76%|
XLM$0.16000-1.09%|
BCH$269.0700-1.87%|
NEAR$3.8000-0.87%|
DAI$1.0000+0.03%|
USDE$0.99886+0.10%|
RAIN$0.00629885-0.78%|
UNI$7.1800+3.37%|
LTC$53.2400-1.05%|
CC$0.09633+2.87%|
USD1$0.99833+0.13%|
AVAX$8.4600+1.55%|
SUI$0.87876+1.37%|BTC$76,742-0.04%|ETH$2,261.39+0.48%|USDT$0.99884+0.02%|BNB$689.0300-0.90%|XRP$1.2700+1.15%|USDC$0.99948+0.02%|SOL$91.7600-0.37%|TRX$0.32107+0.09%|FIGR_HELOC$1.0300-0.22%|ZEC$1,202.74+5.96%|HYPE$82.9500-0.57%|XMR$627.8100+3.60%|DOGE$0.07375-0.36%|USDS$0.99997+0.02%|WBT$73.7900+0.02%|LEO$9.3000-0.36%|LINK$10.8600-2.40%|ADA$0.18682-0.76%|XLM$0.16000-1.09%|BCH$269.0700-1.87%|NEAR$3.8000-0.87%|DAI$1.0000+0.03%|USDE$0.99886+0.10%|RAIN$0.00629885-0.78%|UNI$7.1800+3.37%|LTC$53.2400-1.05%|CC$0.09633+2.87%|USD1$0.99833+0.13%|AVAX$8.4600+1.55%|SUI$0.87876+1.37%|
Best Crypto Payment Gateways in 2026
Finding the best crypto payment gateway starts with your business’s payment flow. What will customers pay with, where should the funds settle, and which tools does your team need to manage each transaction?
Compare crypto payment providers by processing fees, supported coins and networks, settlement options, custody model and integrations. Use the directory to shortlist services for merchant checkout, stablecoin payments, fiat on-ramps or more advanced payment infrastructure.
The best crypto payment processor for an online store may not suit an exchange or a developer building an embedded payment product. Start with your use case, then check the provider’s current pricing, country coverage and eligibility requirements.
Start with your payment flow
Crypto payment platforms serve different purposes. Choose the type of service you need before comparing prices or supported assets.
Merchant checkout
Accept cryptocurrency for products or services. Compare checkout integrations, invoicing, payment confirmation, refunds and settlement options.
Stablecoin payments and payouts
Receive or send stablecoins such as USDT and USDC. Check supported networks, payout controls, reconciliation and conversion costs.
Fiat on-ramps and off-ramps
Help users move between traditional money and digital assets. Compare payment methods, supported countries, verification steps and delivery times.
Payment infrastructure
Build payment flows using APIs, wallets and transaction monitoring. Assess integration quality, custody arrangements, reporting and operational support.
Crypto payment provider directory
Showing 80 of 80 providers
Crossmint
Processing fee
~0.5–1% + card processing
Settlement
Instant (on-chain)
Custody
Not specified
Integrations
Headless APIs, Embedded Widget (iframe), Hosted Pay Button
Assets listed: USDC, USDT, ETH, BTC, SOL +5
Cryptomus
Processing fee
0.4%
Settlement
Instant (auto-convert to stablecoins)
Custody
Not specified
Integrations
API, Invoices, Payment Links
Assets listed: BTC, ETH, USDT, USDC, TRX +12
Cryptopay
Processing fee
Competitive (no setup fees)
Settlement
Next-day bank / instant crypto
Custody
Not specified
Integrations
RESTful API, Pre-built payment page, Payment widget
Assets listed: BTC, ETH, USDT, USDC, LTC +11
Helio
Processing fee
0.5%
Settlement
Instant
Custody
Not specified
Integrations
Not specified
Assets listed: BTC, ETH, USDC, SOL, Major stablecoins
Matcha Payment
Processing fee
Negotiable (no setup, no minimums)
Settlement
Instant 1:1 (fiat/stablecoin)
Custody
Not specified
Integrations
Processor model, Non-Custodial model, White-Label model
Assets listed: All major coins, All major stablecoins, Every major stablecoin network, BTC, ETH +2
Mercuryo
Processing fee
2-3%
Settlement
Minutes
Custody
Not specified
Integrations
Not specified
Assets listed: 70+ coins, BTC, ETH, USDC, USDT +3
MixPay
Processing fee
0%
Settlement
Real-time stablecoin
Custody
Non-custodial (as listed)
Integrations
API, Shopify, WooCommerce
Assets listed: BTC, ETH, USDT, USDC, BNB +16
MoonPay
Processing fee
3-5%
Settlement
Minutes
Custody
Not specified
Integrations
Not specified
Assets listed: 100+ coins, BTC, ETH, USDC, USDT +1
NOWPayments
Processing fee
0.5%
Settlement
~5 min avg (on-chain)
Custody
Non-custodial (as listed)
Integrations
Shopify, WooCommerce, WHMCS
Assets listed: BTC, ETH, USDT, USDC, DAI +1
OnchainPay
Processing fee
Custom
Settlement
Fiat & Crypto
Custody
Not specified
Integrations
API, E-commerce plugins, Documentation
Assets listed: Bitcoin, Ethereum, Solana, Tron, Binance +6
PassimPay
Processing fee
0.5%+
Settlement
Instant / Crypto-to-EUR
Custody
Not specified
Integrations
API, Plugins, E-commerce platforms
Assets listed: BTC, ETH, USDT (TRC20), USDT (ERC20), BNB +11
PYMSTR
Processing fee
1% flat (no FX)
Settlement
Instant (<3s on-chain)
Custody
Non-custodial (as listed)
Integrations
REST API, Webhooks, Payment links
Assets listed: USDC, USDT
Ramp Network
Processing fee
1-2%
Settlement
Instant
Custody
Not specified
Integrations
Widget, SDK, API
Assets listed: BTC, ETH, USDT, USDC, SOL +10
Revolut
Processing fee
From 1% + £0.20
Settlement
Within 24 hours (incl. weekends)
Custody
Not specified
Integrations
Revolut Business account, Revolut Pay, Apple Pay
Assets listed: BTC, ETH, SOL, XRP, ADA +6
Sardine
Processing fee
Custom
Settlement
N/A (risk platform)
Custody
Not specified
Integrations
API, SDK, Webhooks
Assets listed: N/A — secures crypto on-ramps across 50+ coins
Speed
Processing fee
Up to 90% lower
Settlement
Instant (<3s)
Custody
Not specified
Integrations
API, POS, Webhooks
Assets listed: BTC, USDT, USDC, Stablecoins
Transak
Processing fee
1.5–5% (varies by method)
Settlement
Instant to minutes
Custody
Not specified
Integrations
Widget (Web SDK + Mobile WebView), White-label API, REST API
Assets listed: BTC, ETH, SOL, USDC, USDT +11
TripleA
Processing fee
0.5-1%
Settlement
Instant
Custody
Not specified
Integrations
Not specified
Assets listed: USDC, USDT, BTC, ETH, Major stablecoins
XPayr
Processing fee
0.5%
Settlement
Direct-to-wallet (on-chain)
Custody
Non-custodial (as listed)
Integrations
Payment links, Checkout widgets, Buttons
Assets listed: USDT (TRON), USDC, USDT, SOL (Solana), 30+ EVM tokens +1
AlphaPays
Processing fee
Custom
Settlement
Instant
Custody
Not specified
Integrations
API, Custom
Assets listed: BTC, ETH, USDT, USDC, BNB +2
Compare crypto payment providers
A useful comparison goes beyond the advertised transaction fee. Review what each service does, how you receive funds and which integrations are available before choosing a top crypto payment gateway for your business.
Rows are the listings with the most complete data in each group, then alphabetical. Sponsorship and tier do not affect selection.
| Provider | Service type | Processing fee | Assets and networks | Settlement | Custody | Integrations | Details |
|---|---|---|---|---|---|---|---|
| BasaltSurge | Payment Gateway | 0% (no monthly fees) | USDC, ETH, USDT, cbBTC, cbXRP, SOL (networks: confirm with provider) | Crypto (instant on-chain), Base L2, Programmable revenue splits | Non-custodial (as listed) | API, SDKs (TypeScript, Python, Go), WooCommerce, Shopify, Uber Eats | View BasaltSurge details |
| BlockBee | Payment Gateway | 1% standard, from 0.25% volume | BTC, ETH, USDT, USDC, BNB, SOL (networks: confirm with provider) | Crypto (on-chain), Auto-convert to preferred coin | Non-custodial (as listed) | API, WooCommerce, Magento, OpenCart, Prestashop | View BlockBee details |
| BTCPay Server | Self-Hosted Payment Processor | 0% | BTC, BTC Lightning, XMR, LTC, DOGE, Multiple via plugins (networks: confirm with provider) | Crypto, On-chain, Lightning Network, Direct to wallet | Non-custodial (as listed) | WooCommerce, Shopify, Magento, PrestaShop, OpenCart | View BTCPay Server details |
| CryptoPay | Payment Gateway | 0% (one-time license) | BTC, ETH, USDT, USDC, BNB, SOL (networks: confirm with provider) | Crypto (direct to wallet), Stablecoin (via auto-exchanger) | Non-custodial (as listed) | WooCommerce, WordPress, API | View CryptoPay details |
Fees and availability can vary by country, payment method, network and transaction volume. Confirm current terms with the provider before integrating.
How to choose the best cryptocurrency payment gateway
The right provider should fit your customers, settlement needs and technical setup. Compare these five factors before making a shortlist.
Compare the total cost of a payment
The cheapest crypto payment gateway is not always the one with the lowest advertised processing fee. Include network charges, conversion spreads, withdrawal costs and any subscription or integration fees in your comparison.
Estimate the cost of a typical transaction and your expected monthly volume. Check which fees apply to your business and whether they are charged to you or your customer.
Check assets, networks and settlement together
A provider may support a cryptocurrency without supporting every network on which that asset is available. If you need a USDT payment provider, confirm the exact networks customers can use and the currencies in which your business can settle.
Distinguish payment detection from blockchain confirmation and final payout. A fast checkout notification does not necessarily mean funds have reached your bank account.
Understand custody and access to funds
Check who controls the receiving wallets, when funds become available and what happens if withdrawals are paused. Direct-to-wallet, custodial and self-hosted setups create different responsibilities for the merchant.
Non-custodial does not automatically mean decentralized. For a concrete provider example, explore our BlockBee payment gateway profile, then confirm its current operating model and terms.
Match the integration to your workflow
An ecommerce store may prioritize a supported plugin and straightforward refunds. A custom platform may need documented APIs, signed webhooks, test environments, reconciliation exports and reliable transaction-status handling.
Test underpayments, expired invoices, duplicate notifications and refunds before committing to a provider.
Confirm business and country eligibility
Check whether the provider accepts your business category, supports your operating country and offers your required settlement method. Where regulatory status matters, verify the relevant legal entity, jurisdiction and authorised activities.
For a deeper explanation of the selection process, read our guide to choosing a crypto payment processor.
Choose a crypto payment gateway for your business
Ecommerce and online services
Prioritize a checkout that customers can complete easily, clear payment status updates and integrations with your order-management system. Compare invoicing, refund workflows, accounting exports and the currencies your customers actually use.
Hosting and subscription businesses
For hosting companies, payment reliability and account provisioning matter as much as asset support. Check invoice expiry, renewal reminders, underpayment handling and how confirmed payments activate or extend a service.
Do not assume that support for crypto payments includes automatic recurring billing. Ask how renewals work and whether customers must approve each payment.
Crypto exchanges and high-volume platforms
A payment gateway for crypto exchange operations may need deposit monitoring, address management, withdrawal controls and detailed reconciliation. A standard merchant checkout may cover only part of that workflow.
When assessing a low-latency crypto gateway, distinguish the provider’s notification speed from the underlying network’s confirmation time. If you need a crypto connectivity provider or wallet infrastructure service, evaluate its responsibilities separately from checkout processing.
Fiat-to-crypto products and developer integrations
A fiat-to-crypto payment gateway helps users purchase digital assets using supported traditional payment methods. This differs from accepting cryptocurrency for a product and settling the proceeds to a merchant.
Developers should compare APIs or widgets, test environments, webhook behaviour, verification flows, supported countries and error handling. Our Paybis provider profile offers a starting point for researching one option; confirm the availability of the specific business integration you need.
iGaming businesses
Compare provider eligibility for your business model and markets before reviewing deposit and payout features. Reconciliation, withdrawal controls and operational support can be especially important when payments run around the clock.
Web3 and decentralized applications
A decentralized crypto payment gateway or DeFi payment gateway may be relevant when payments must interact with wallets or smart contracts. Compare wallet compatibility, contract dependencies, transaction monitoring and operational responsibilities.
Blockchain payment platforms can differ substantially in custody and control. Assess the actual architecture rather than relying on a “decentralized” label.
How to use this comparison
Bitnxt’s directory helps you research cryptocurrency payment providers by service type, payment support, settlement options and integration requirements. Use it to build a shortlist, then confirm current details with each provider.
A directory listing is not a guarantee of suitability. The right choice depends on your business location, customers, transaction volume and payment flow.
Editorial note: listings are entered and maintained by Bitnxt’s editorial team in our directory database. Bitnxt has not tested these services and has not independently verified every fee, asset, settlement or regulatory claim. Supported networks are not recorded for most listings, so assets shown do not confirm network support.
Tiers: Tier-1 to Tier-4 labels are internal directory groupings used to organise listings. They are not independent quality ratings, test results or recommendations.
Sponsorship: cards marked “Sponsored” are paid advertising. “Featured placement” listings may be promoted. Neither affects which providers appear in the comparison table.
Crypto payment gateway FAQs
What is the best crypto payment gateway?
The best crypto payment gateway depends on your business. Start with customer payment preferences, settlement currency, country availability and integration requirements. Compare providers against the same criteria rather than choosing solely by the number of supported coins.
What is the difference between a crypto payment gateway and a crypto payment processor?
These terms often overlap. A gateway usually describes the checkout or payment connection, while a processor may also handle transaction monitoring, conversion, settlement and reporting. Check the services included in the specific product rather than relying on its label.
Which is the cheapest crypto payment gateway?
There is no single cheapest option for every payment flow. Compare processing fees alongside network charges, conversion spreads, withdrawal costs and fixed charges. A low advertised rate may apply only to certain assets, volumes or settlement methods.
Can a business accept USDT payments?
Yes, through a provider that supports the required USDT network and merchant use case. Confirm the networks customers can pay on, the settlement asset, minimum amounts and any conversion or withdrawal charges before integrating.
What is the difference between crypto-to-fiat and fiat-to-crypto payments?
Crypto-to-fiat services convert digital assets into traditional currency, including some merchant settlement arrangements. Fiat-to-crypto services let users buy digital assets using supported traditional payment methods. A provider offering one direction may not support the other.
Is the best fiat payout provider also the best crypto payment provider?
Not necessarily. Receiving crypto and paying out to bank accounts involve different capabilities. Compare supported payout countries and currencies, transfer methods, settlement schedules and the total conversion cost separately from crypto checkout features.
Are non-custodial gateways decentralized?
Not necessarily. A non-custodial service may send payments directly to a merchant wallet while still relying on a centrally operated API or checkout. Assess custody, infrastructure dependencies and control over payment processing separately.
What should I check when choosing a regulated crypto gateway?
Identify the legal entity providing your service and check its claimed authorisation with the relevant authority. Confirm the jurisdiction and activities covered. A security certification or an AML policy does not by itself establish regulatory authorisation.
Can a blockchain payment gateway guarantee instant settlement?
Payment detection, network confirmation, internal conversion and bank payout are different stages. Ask which stage a provider means by “instant” and what conditions or delays may apply to your chosen network and settlement method.
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