Best Crypto Payment Gateways for Merchants

B2BinPay is included for enterprise merchants that need more than 350 digital assets across 17 blockchains, API tools, invoicing, and mass payouts. Incoming fees start at 0.40% for monthly volumes up to $1 million and fall to 0.25% above $5 million. Merchants can settle in crypto or convert to USD and EUR through SEPA or SWIFT. The main trade-off is a $1,000 onboarding fee plus mandatory KYB.

BTCPay Server suits merchants that want direct control of Bitcoin and Lightning funds. The MIT-licensed software charges 0% processing fees, has no monthly subscription, supports major e-commerce plugins, and includes invoices, point of sale, and an API. Merchants pay network and hosting costs instead. The trade-off is operational: deployment and maintenance require technical skills, and an August 2026 vulnerability exposed Lightning credentials on unpatched servers.

Crypto.com Pay is on the list for merchants seeking 0% transaction fees, mobile point-of-sale payments, Shopify and WooCommerce plugins, and settlement in more than 20 fiat and crypto options. Payments through the Crypto.com App settle instantly, while the gateway also supports invoices and recurring billing. Its main limitation is product dependence: recurring billing is restricted to Crypto.com App users, while external-wallet payments require network gas.

Flexa covers online, in-app, and physical checkout with 99+ digital assets, payment links, QR codes, and a point-of-sale terminal. Merchants can receive payouts in a chosen currency or digital currency, with 0% conversion and custody fees listed on payouts. Self-custody wallet support is available through its SDKs. The trade-off is a hosted, KYB-gated network whose coverage varies by country and integration.

NOWPayments is a non-custodial crypto payment gateway for merchants, with 350+ cryptocurrencies, 75+ fiat currencies, invoicing, subscriptions and payouts. It suits online businesses that need crypto checkout and asset conversion.

CoinGate is included for e-commerce teams that need plugins, recurring billing, payment channels, API access, and settlement in crypto, stablecoins, EUR, or USD. It charges a 1% processing fee and offers payouts in 180+ countries. Its MiCA license has applied since December 17, 2025. The trade-off is custodial exposure while funds are held or converted, plus a 50 EUR minimum withdrawal fee and weekly standard-plan settlements.

SHKeeper is an open-source, non-custodial crypto payment gateway built by Virtual Systems that charges 0% fees. Supporting 19+ assets across 15 chains, it suits technical merchants wanting full control over private keys.

Speed is a crypto payment gateway run by Speed1 INC that processes Bitcoin, Lightning Network, USDT, and USDC transactions. Backed by Tether and ego death capital, it suits online merchants and platforms wanting real-time payments.

CoinPayments serves online merchants with more than 40 supported assets, a 0.5% base processing fee, e-commerce and accounting integrations, point-of-sale tools, and a Telegram payment bot. Fixed-rate invoices limit exchange-rate movement before payment, while batched withdrawals can reduce on-chain fees by up to 90%. The main trade-off is custody: fiat payouts depend on third-party partners, and no self-hosted deployment is available.

Confirmo earns a place for recurring stablecoin subscriptions, mass payouts, WooCommerce integration, and settlement in crypto, stablecoins, EUR, or CZK. It operates with MiCA authorization and a Central Bank of Ireland Payment Institution license. Fees range from 0.5% to 0.8%, with zero monthly software costs. The main trade-off is limited fiat banking: bank settlements are restricted to businesses with European bank accounts, and live-chain testing uses real funds.