6 Best Crypto Payment Gateways in 2026
The best crypto payment gateways in 2026 compared on fees, settlement and coins accepted. See CoinGate, BitPay, BTCPay Server, NOWPayments, B2BinPay and Stripe.
Updated July 2026 · Reviewed by the PipeFlare team
We compare these options across transaction fees, fiat or crypto settlement rules, and the custody model each system runs. As of Oct 2026, the published plans and fee tiers reviewed here can change over time.
Learn how a crypto payment gateway works before you pick one
CoinGate
Best for: Best for fiat settlement with plugins
CoinGate operates a merchant processing system with weekly settlement in EUR, GBP, USD, or crypto. Merchants can accept 10 or more cryptocurrencies from buyers located in over 180 countries. Checkout connections include plugins for WooCommerce, PrestaShop, WHMCS, Wix, and OpenCart, along with API access and email invoicing.
Strengths
Weekly settlement in EUR, GBP, USD, or cryptocurrency
Plugins for WooCommerce, PrestaShop, WHMCS, Wix, and OpenCart
Payments accepted from buyers in 180 or more countries
Limitations
Custody model is not published on the pricing page
SWIFT withdrawals carry a 0.50% fee with a 50 EUR minimum
Pricing: 1% Standard plan; no monthly fee
BitPay
Best for: Best for NYDFS-licensed processing
BitPay is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. The processor handles settlements daily to bank accounts in currencies including AUD, CAD, EUR, GBP, MXN, NZD, and USD. Transactions cover Bitcoin, Ethereum, XRP, Dogecoin, and tokens like USDC with unlimited monthly transaction volume.
Strengths
Daily fiat settlements directly to a bank account
Licensed for Virtual Currency Business Activity by the NYDFS
Settles in AUD, CAD, EUR, GBP, MXN, NZD, USD, or cryptocurrency
Limitations
Processing fees reach 2% plus 25 cents for volume under $500,000 monthly
Higher processing fee tiers apply to high-risk industries
Pricing: 2% + 25 cents under $500,000/month; tiers down to 1% + 25 cents
BTCPay Server
Best for: Best for self-hosted, no third party
BTCPay Server is an open-source cryptocurrency payment processor that runs with 0% processor fees and no intermediary. You can launch BTCPay Server in a cloud, on your own hardware, or through a shared server or existing host. Incoming payments go directly to your connected wallet, with support for hardware wallets and direct store plugins.
Strengths
0% processor fees published on the homepage
Funds arrive directly into your connected wallet without third-party holding
Includes point of sale apps, tipping buttons, payment links, and crowdfunding
Limitations
Homepage names Bitcoin only and describes no fiat settlement
Requires your own hardware deployment, cloud instance, or existing host
Pricing: 0% fees stated
NOWPayments
Best for: Best for the widest coin list
NOWPayments offers checkout processing covering a catalog of 300-plus to 350-plus cryptocurrencies. The system includes an auto-conversion mechanism to convert received coins at a favorable rate. Merchants can use withdrawal whitelisting to restrict outbound transfers exclusively to pre-approved cryptocurrency addresses.
Strengths
Catalog lists 300+ to 350+ digital currencies
Auto-conversion features between crypto and fiat assets
Withdrawal whitelisting restricts sends to pre-approved wallets
Limitations
Custody model is not stated on the homepage
Specific plugin platform names are not stated on the homepage
Pricing: 1% starting fee, loyalty discounts
B2BinPay
Best for: Best for tiered volume pricing
B2BinPay processes incoming digital currency transactions at tiered rates starting at 0.40% for volume under $1 million and dropping to 0.25% at $5 million or higher. The company states it acts as a custodian and holds client funds for safekeeping. Regulatory registrations include authorizations in El Salvador and Mauritius.
Strengths
Tiered incoming processing fees scaling down to 0.25%
Supports 350 or more digital currencies
No fees on outgoing crypto transactions or incoming wallet-as-a-service
Limitations
Supported fiat currency names are not stated on the site
States B2BINPAY acts as a custodian and holds client funds for safekeeping
Pricing: 0.40% incoming under $1M, down to 0.25% at $5M+
Stripe
Best for: Best for stablecoin payments in an existing Stripe account
Stripe allows businesses based in the United States to accept stablecoin payments, with private preview access in the EU, Hong Kong, Mexico, and Switzerland. Customers pay with USDC on Tempo, Ethereum, Solana, Polygon, and Base, as well as USDP and USDG. Transactions settle into your Stripe balance in your local currency with no disputes or chargebacks.
Strengths
Settles directly into your Stripe account balance in your local currency
Transactions have no disputes or chargebacks
Integrates into Stripe Checkout, Elements, Billing, and Invoicing
Limitations
Transaction limit capped at 10,000 USD per payment
Outside the US, only the EU, Hong Kong, Mexico and Switzerland are in private preview
Pricing: 1.5% of the transaction in USD (0.8% promo through Jan 1, 2027)
Summary comparison
| Option | Fees | Settlement | Coins accepted | Custody model |
|---|---|---|---|---|
| FeaturedYour company here, pinned above every listing Get featured → | ||||
| CoinGate | 1% Standard plan; no monthly fee | Weekly, in EUR, GBP, USD or crypto | 10+ cryptocurrencies | Not published |
| BitPay | 2% + 25 cents under $500,000/month; tiers down to 1% + 25 cents | Local currency or crypto; fiat settles daily | Bitcoin, Ethereum, XRP, Dogecoin, USDC and more | Not published |
| BTCPay Server | 0% fees stated | Funds go straight to your wallet; no fiat settlement described | Bitcoin named on the homepage | Self-hosted; funds go to your own wallet |
| NOWPayments | 1% starting fee, loyalty discounts | Auto-conversion of coins | 300+ to 350+ coins | Not stated on homepage |
| B2BinPay | 0.40% incoming under $1M, down to 0.25% at $5M+ | Instant to merchant accounts and wallets | 350+ digital currencies | States it acts as custodian |
| Stripe | 1.5% of the transaction in USD (0.8% promo through Jan 1, 2027) | Settles in your Stripe balance in local currency | USDC, USDP, USDG on listed networks | Not stated |
| CoinPayments | Fees discounted by monthly volume; rates Not published | Optional crypto-to-fiat bank payout where supported | 40+ cryptocurrencies | Custodial wallet services; non-custodial product linked |
| OxaPay | 1.5% per transaction on payment links; 2% white label | Auto-convert to stablecoins such as USDT | Count Not published; 18 coins in transfer table | Not published |
| Coinremitter | 0.23% fee on crypto withdrawals | Fiat or bank settlement timing Not published | 10+ cryptocurrencies; 13 listed | No ID or bank account required, per site |
| Cryptomus | Fees as low as 0.4% | Not published | 100+ cryptocurrencies | Not published |
| BVNK | Not published | Accept stablecoins, settle in fiat | Major chains and tokens; none named | Not published |
| Triple-A | Not published | Local currency or stablecoins | Specific coins Not published | Not published |
Listed here? Update your listing.
Gateway choice by fees and settlement
There is no single best crypto payment gateway for every merchant because checkout needs turn on pricing tiers, settlement destinations, and custody preferences. A business evaluating a crypto payment processor must decide whether incoming digital assets should convert to local fiat currency or arrive as digital tokens. CoinGate charges a 1% transaction fee on its Standard plan and settles weekly in EUR, GBP, USD, or crypto. BitPay settles daily to bank accounts in local fiat currencies, charging 2% plus 25 cents when monthly volume sits under $500,000, 1.5% plus 25 cents between $500,000 and $999,999, and 1% plus 25 cents at $1,000,000 or more. Merchants who do not want an intermediary taking a percentage can deploy BTCPay Server, which publishes 0% processing fees. For high-volume setups processing over $1 million, B2BinPay provides sliding fee tiers starting at 0.40% under $1 million and descending to 0.25% at $5 million or higher. Stripe offers an alternative route for businesses in the United States, with a private preview in the EU, Hong Kong, Mexico, and Switzerland. Stripe charges 1.5% in USD, reduced to 0.8% through January 1, 2027, and deposits converted funds into your standard Stripe account balance in your local currency. BTCPay Server routes payments straight to your connected wallet, with hardware wallet support. B2BinPay states on its website that it acts as a custodian and holds client funds for safekeeping. Other providers do not state their custody model on their homepages or pricing pages.
Hosted gateways versus self-hosting
CoinGate and BitPay function as hosted processors. BTCPay Server is an open-source, self-hosted processor you can launch in a cloud, on your own hardware, or through a shared server or existing host. BTCPay Server operates with 0% processor fees and no third party. BTCPay Server directs customer payments straight to your own connected wallet, with hardware wallet support. CoinGate collects 1% on transactions and assesses a 0.50% fee with a 50 EUR minimum on SWIFT fiat withdrawals, while SEPA and crypto withdrawals remain free.
Fees and settlement compared
Fee schedules determine the operational cost of processing crypto transactions across different monthly transaction volumes. CoinGate operates on a 1% Standard plan with no monthly fees. In addition to Standard processing rates, CoinGate assesses a 0.50 EUR plus 0.5% fee on crypto payouts, 1% on manual conversions, and 0.50% on SWIFT transfers with a 50 EUR minimum. BitPay structures pricing according to cumulative monthly volume, assessing 2% plus 25 cents below $500,000, 1.5% plus 25 cents up to $999,999, and 1% plus 25 cents at $1,000,000 or above, with higher fees for businesses in high-risk industries. B2BinPay prices incoming crypto payment processing at 0.40% for volumes up to $1 million, 0.35% from $1 to $3 million, 0.30% from $3 to $5 million, and 0.25% for volume at or exceeding $5 million. B2BinPay charges no fees for outgoing crypto transfers or incoming wallet-as-a-service transactions. NOWPayments posts a 1% starting fee alongside loyalty discounts, excluding network fees charged by underlying blockchains. Stripe assesses a fee of 1.5% of the transaction amount in USD, with a promotional rate of 0.8% in place through January 1, 2027, after which an extra 0.2% applies. Stripe caps individual customer transactions at 10,000 USD and notes that transactions carry no disputes or chargebacks.
Coins and integrations
Payment gateway coin catalogs range from single-asset support to directories listing hundreds of digital tokens. CoinGate allows merchants to accept 10 or more cryptocurrencies from buyers across 180 or more countries, integrating into store setups through plugins for WooCommerce, PrestaShop, WHMCS, Wix, and OpenCart, as well as an API and email invoicing. BitPay supports payments made in Bitcoin, Bitcoin Cash, Ethereum, Dogecoin, Litecoin, and XRP, alongside tokens such as USDC, Gemini Dollar, Pax Dollar, Binance USD, Wrapped BTC, DAI, Shib Inu, ApeCoin, and EURC. B2BinPay supports 350 or more digital currencies and integrates with platforms including B2CORE, BridgerPay, FX Backoffice, and Praxis Cashier, supported by REST API access. In contrast, the BTCPay Server homepage names Bitcoin only, offering integrations for OpenCart, Odoo, Wix, Shopify, WooCommerce, Magento, PrestaShop, and Zapier, alongside apps for point of sale checkouts, tipping buttons, payment links, and crowdfunding campaigns. Stripe restricts stablecoin processing to USDC across the Tempo, Ethereum, Solana, Polygon, and Base networks, with USDP and USDG listed as US-only. Stripe enables stablecoin acceptance across its existing Checkout, Elements, Billing, Payment Links, Invoicing, and Connect modules. Other providers exist in this category.
The verdict
There is no single best crypto payment gateway for every merchant. Choose CoinGate for weekly settlement in fiat or crypto using plugins like WooCommerce or PrestaShop. Select BitPay if your business requires an NYDFS-licensed processor that settles daily in local fiat currencies like USD, EUR, or GBP. Pick BTCPay Server if you want self-hosted infrastructure with 0% processor fees routing directly to your own wallet. Businesses in the United States seeking stablecoin checkout can use Stripe, while access in the EU, Hong Kong, Mexico, and Switzerland remains limited to private preview.
Frequently asked questions
What is the best crypto payment gateway?
No single gateway fits all businesses because processor selection depends on fee structures, settlement needs, and custody models. CoinGate fits shops needing weekly EUR, GBP, or USD fiat payouts through ecommerce plugins. BitPay suits organizations wanting daily fiat settlement licensed by the NYDFS. BTCPay Server serves operators seeking a self-hosted platform with 0% processor fees.
Do crypto payment gateways charge a fee?
Whether a crypto payment gateway charges a fee depends on the provider. CoinGate charges 1% on its Standard plan, while BitPay charges 2% plus 25 cents for monthly volume under $500,000, scaling down to 1% plus 25 cents at $1,000,000 or more. Stripe charges 1.5% in USD, or 0.8% under its promotion ending January 1, 2027. BTCPay Server lists 0% processor fees on its homepage.
Can I get paid in fiat when customers pay in crypto?
Yes, multiple gateways convert crypto transactions into fiat currency. BitPay deposits local currency daily to bank accounts in AUD, CAD, EUR, GBP, MXN, NZD, and USD. CoinGate settles weekly in EUR, GBP, or USD. Stripe converts supported stablecoins into your standard Stripe account balance in your local currency. BTCPay Server does not describe fiat settlement on its homepage.
Is there a self-hosted crypto payment processor?
Yes, BTCPay Server is an open-source, self-hosted cryptocurrency payment processor. It charges 0% fees, operates without a third-party intermediary, and can be deployed in a cloud environment, on your own hardware, or on a shared host. Payments route straight to your connected wallet.
Can I accept stablecoin payments?
Yes, Stripe allows businesses in the United States to accept stablecoins, with private preview access available in the EU, Hong Kong, Mexico, and Switzerland. Stripe supports USDC across Tempo, Ethereum, Solana, Polygon, and Base, as well as USDP and USDG for US customers. BitPay also accepts stablecoin tokens including USDC, Gemini Dollar, and Pax Dollar.
Sources
- CoinGate official site
- BitPay official site
- BTCPay Server official site
- NOWPayments official site
- B2BinPay official site
- Stripe official site
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