Best cryptocurrency payment gateways: 7 top picks for 2025

In 2025, integrating a cryptocurrency payment gateway is no longer a niche experiment but a strategic move for businesses aiming to expand their global reach and cater to a growing demographic of digitally-native consumers. Accepting crypto payments can significantly reduce transaction fees compared to traditional credit card processors, eliminate chargebacks, and provide near-instant settlement. This shift opens up new markets, particularly in regions where traditional banking is less accessible, offering a borderless payment solution for e-commerce stores, SaaS platforms, and global enterprises. For businesses venturing into this space, it is also crucial to consider the financial implications, including understanding advanced financial planning like strategies for crypto tax loss harvesting to manage digital asset portfolios effectively.

This guide is designed to help you navigate the complex landscape and select the best cryptocurrency payment gateways for your specific needs. We’ve done the research to provide a direct, actionable comparison of the top platforms available today. Each review includes a detailed breakdown of features, pricing structures, supported coins, and integration options, complete with screenshots and direct links to get you started faster. Whether you are a developer looking for a robust API or an online retailer seeking a simple plugin, this article will equip you with the information needed to make a confident choice and start accepting crypto payments securely and efficiently.

1. BlockBee

BlockBee stands out as a powerful and developer-centric choice among the best cryptocurrency payment gateways, offering a non-custodial architecture that gives merchants complete control over their funds. This platform is engineered for flexibility and security, enabling businesses to accept crypto payments without relinquishing their private keys, a crucial advantage for those prioritizing financial sovereignty.

It supports a vast ecosystem of over 70 cryptocurrencies, ensuring customers have a wide range of payment options. For e-commerce businesses, BlockBee provides officially-backed, no-code plugins for major platforms like WooCommerce, Magento, PrestaShop, and OpenCart, making integration a straightforward process. This combination of extensive crypto support and ready-made integrations positions it as a versatile solution for online retailers, SaaS companies, and fintechs.

Key Features and Use Cases

BlockBee's feature set is designed for both simplicity and advanced customization. Its powerful API allows developers to create programmable payment flows and embeddable checkouts for a seamless user experience. One of its most compelling offerings is the Mass Payouts feature, which lets businesses programmatically disburse funds to multiple recipients while retaining full custody of their assets.

Core functionalities include:

• Non-Custodial Wallet System: You connect your own wallet and funds are sent directly there. BlockBee never holds your crypto, minimizing third-party risk.
• Extensive Platform Support: Beyond standard e-commerce, it offers plugins for Odoo and Bubble, catering to a broader range of business management and application development needs.
• Developer-First Tooling: The flexible API supports reusable deposit addresses, instant payment notifications (IPNs), and tailored checkout experiences, ideal for custom-built platforms.
• Instant Confirmation & Payouts: The gateway excels at rapid transaction detection, ensuring funds are confirmed quickly and settled directly into the merchant's wallet without delay.

Pricing and Support

BlockBee's pricing model is transparent and highly competitive, with transaction fees starting at just 0.25%. The platform often runs promotions, such as 0% fees for the first seven days, making it an attractive low-cost entry point. There are no advertised setup costs or fixed monthly fees.

Each merchant is assigned a dedicated account manager, and 24/7 support is available. While many users on platforms like Trustpilot praise the responsive support and rapid integration, some critical reviews highlight potential inconsistencies in handling fraud reports and policy enforcement.

Best for: Developers, e-commerce stores, and enterprises seeking a low-fee, non-custodial gateway with robust API capabilities and direct control over their digital assets.

Website: https://blockbee.io

2. BitPay

BitPay is one of the original and most established names in the crypto payments space, making it a trusted choice for businesses prioritizing brand recognition and robust compliance. It excels at bridging the gap between crypto acceptance and traditional finance, offering merchants a seamless way to accept top cryptocurrencies and stablecoins while receiving settlements directly in fiat currency like USD.

This makes it one of the best cryptocurrency payment gateways for businesses that want the benefits of crypto payments without the volatility risk or accounting complexities. BitPay achieves this with price-locked invoices, which guarantee the fiat value of a purchase for a set period, protecting merchants from sudden market dips.

Key Features and Integrations

BitPay’s mature ecosystem is its biggest differentiator. It provides turnkey plugins and integrations for virtually every major e-commerce platform, including Shopify, WooCommerce, and Magento. This simplifies the setup process significantly.

• Settlement Options: Receive daily payouts directly to your bank account in USD and other fiat currencies, or choose to hold funds in supported cryptocurrencies.
• Broad Coin Support: Accepts payments in top coins like Bitcoin (BTC), Ethereum (ETH), and major stablecoins such as USDC and DAI.
• Compliance and Security: Features an enterprise-grade compliance stack that handles AML/KYC requirements and offers robust fraud and chargeback protection.
• Pricing Structure: Fees are tiered based on your processing volume. While highly competitive at scale, smaller merchants might find the entry-level fees (which can be around 2% plus a transaction fee) higher than some competitors. Businesses in categories deemed "high-risk" may also face higher rates.

Pro Tip: For businesses new to crypto, BitPay's fiat settlement option is the simplest way to start. It allows you to tap into the global crypto market without needing to manage a corporate crypto wallet or worry about price fluctuations.

BitPay is an ideal solution for established US merchants and larger enterprises that require a compliant, reliable, and easy-to-integrate payment solution with strong fiat settlement capabilities. Its long-standing reputation and comprehensive support make it a go-to for risk-averse businesses. For a deeper dive into the technical side, you can explore more about e-commerce payment gateway integration.

Website: https://bitpay.com/business

3. Coinbase Commerce

Coinbase Commerce leverages the security and compliance infrastructure of one of the world's largest crypto exchanges to offer a modern, developer-centric payment solution. It is specifically designed for businesses that want to embrace the efficiency of L2 networks and the stability of USDC, making it one of the best cryptocurrency payment gateways for US-based merchants seeking streamlined, low-cost transactions.

The platform is built on Coinbase’s Onchain Payment Protocol, which supports instant-confirmation payments across Base, Ethereum, and Polygon. This L2 focus significantly reduces network fees and settlement times compared to traditional on-chain transactions. For businesses, this translates to faster, cheaper, and more reliable payment processing with a strong emphasis on stablecoin settlement.

Key Features and Integrations

Coinbase Commerce stands out with its powerful API, webhooks for guaranteed-amount charges, and deep integration with the broader Coinbase ecosystem. This allows customers to pay directly from their Coinbase account or any self-custody EVM wallet, providing flexibility and a seamless checkout experience.

• Settlement Options: Features automatic conversion of incoming crypto payments to USDC. Managed merchant accounts can also receive settlements directly in USD, simplifying accounting.
• Broad Coin Support: Accepts a wide range of cryptocurrencies across supported EVM networks (Base, Ethereum, Polygon), including ETH, MATIC, and numerous stablecoins. Note that native, non-EVM assets like Bitcoin are no longer supported for self-custody payments.
• Compliance and Security: Backed by Coinbase’s robust compliance framework, offering businesses a high degree of trust and regulatory assurance, particularly in the US market.
• Pricing Structure: Offers a simple and transparent 1% flat fee on all transactions, with no monthly or setup fees. This straightforward pricing is highly competitive, especially for businesses with fluctuating sales volumes.

Pro Tip: Use Coinbase Commerce's guaranteed-amount charges via its API to eliminate payment underflows or overflows. This ensures you receive the exact amount invoiced, protecting your revenue from small transaction errors.

Coinbase Commerce is an excellent choice for developer-led businesses and US merchants prioritizing L2 speed, low costs, and stablecoin settlement. Its modern infrastructure makes it a forward-looking solution for on-chain commerce. You can find out more by exploring our detailed guide to cryptocurrency payment gateways.

Website: https://www.coinbase.com/commerce/

4. CoinGate

CoinGate is a global crypto payment processor that stands out for its straightforward and predictable pricing model, making it an excellent choice for small to medium-sized enterprises (SMEs). It offers a transparent, flat-rate fee structure that removes the complexity of tiered pricing, allowing businesses to easily forecast costs while accepting a wide array of cryptocurrencies.

The platform provides a reliable bridge for merchants who want to tap into the crypto economy with minimal risk. CoinGate achieves this by offering real-time exchange rates at checkout, which can be locked to protect businesses from the price volatility inherent in the crypto market. This ensures you receive the exact fiat value for your goods or services, regardless of market fluctuations.

Key Features and Integrations

CoinGate is designed for ease of use and rapid deployment, offering an extensive range of plugins and integrations that simplify setup for popular e-commerce platforms like WooCommerce, Shopify, and Magento. Its well-documented API also allows for custom solutions.

• Simple Pricing: Features a flat 1% processing fee for most transactions, making it one of the most transparent and predictable options available.
• Broad Coin Support: Accepts payments in over 70 different cryptocurrencies, including major assets like Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC), giving customers maximum flexibility.
• Settlement Flexibility: Merchants can receive payouts in fiat currencies like EUR and USD directly to their bank account or choose to hold their earnings in crypto. Standard settlement is weekly, but custom schedules are available for enterprise clients.
• Volatility Protection: Automatic rate locking at the point of sale guarantees the fiat value of every transaction, completely shielding the merchant from price swings.

Pro Tip: Leverage CoinGate's extensive plugin library for a quick, no-code setup. For most e-commerce stores, you can enable crypto payments in under an hour without needing a developer, making it one of the best cryptocurrency payment gateways for businesses seeking a fast launch.

CoinGate is an ideal solution for European and global merchants looking for a simple, low-cost gateway with extensive cryptocurrency support. Its transparent pricing and powerful volatility protection make it a secure and dependable choice for businesses of all sizes, though US merchants may want to confirm banking compatibility.

Website: https://coingate.com/

5. NOWPayments

NOWPayments stands out for its incredible flexibility and unparalleled asset support, making it a top choice for businesses wanting to accept the widest possible range of cryptocurrencies. As a non-custodial-first gateway, it offers merchants direct control over their funds, although custody options are available for those who prefer them. This adaptability makes it one of the best cryptocurrency payment gateways for merchants who prioritize choice and minimal setup friction.

Its core appeal lies in supporting over 300 different currencies, including popular stablecoins like PYUSD and USDC. This extensive coverage allows businesses to cater to niche crypto communities and customers holding a diverse portfolio of digital assets, all while offering transparent and straightforward pricing.

Key Features and Integrations

NOWPayments is built for speed and simplicity, providing quick-start plugins, clear API documentation, and tools that get merchants up and running in minutes. The platform is designed to be accessible for developers and non-technical users alike.

• Extensive Coin Support: With 300+ cryptocurrencies supported, it has one of the broadest asset selections on the market, giving customers maximum payment flexibility.
• Flexible Custody: Merchants can choose a non-custodial flow where payments go directly to their wallet or opt for NOWPayments to manage custody and conversions.
• Simple Integrations: Offers turnkey plugins for major platforms like WooCommerce and Shopify, alongside donation buttons, invoicing tools, and a robust API with IPN/webhook support.
• Transparent Pricing Structure: Fees are simple and competitive, starting at just 0.5% for standard payments. Fixed-rate and multi-currency options are available for a slightly higher fee (1%), but merchants should note that network (gas) fees are separate.

Pro Tip: Use NOWPayments' auto-conversion feature to immediately convert incoming altcoins into a more stable asset like USDC or BTC. This minimizes your exposure to the volatility of less common cryptocurrencies while still offering them as a payment option.

NOWPayments is an excellent solution for businesses that want to maximize customer choice with broad token acceptance and flexible payment flows. Its fast implementation and clear documentation make it a strong contender for startups, content creators, and e-commerce stores looking for a simple yet powerful crypto payment solution.

Website: https://nowpayments.io/

6. OpenNode

OpenNode positions itself as a Bitcoin-first payment processor, designed for businesses that want to leverage the speed and cost-efficiency of the Bitcoin and Lightning Network. It’s an ideal choice for merchants who believe in Bitcoin's utility for commerce and prioritize near-instant, low-cost transactions over broad altcoin support.

This platform excels at providing an API-first, developer-friendly experience. It allows businesses to easily accept Bitcoin payments, both on-chain and via the Lightning Network, while offering the flexibility to settle in either Bitcoin or traditional fiat currencies like USD. Its core strength lies in making Bitcoin commerce practical and accessible, especially for tech-savvy businesses.

Key Features and Integrations

OpenNode’s focus on the Bitcoin ecosystem allows it to offer highly optimized tooling. While it doesn't provide the all-in-one coin support of other gateways, its specialization is its primary advantage for merchants committed to the Bitcoin network.

• Lightning Network Native: Its primary feature is seamless support for the Lightning Network, enabling instant settlement and transaction fees that are often less than a cent.
• Settlement Options: Merchants can receive payouts directly to their US bank account in USD or withdraw funds as Bitcoin. Automatic conversion helps mitigate volatility risk.
• Developer-First Approach: Offers a robust API with extensive documentation and code examples, making custom integrations straightforward for developers.
• Pricing Structure: OpenNode has a simple and transparent pricing model. It charges a flat 1% fee for all transactions, with no setup or monthly costs. Fiat withdrawals have a separate fee, typically around 1%.

Pro Tip: Use OpenNode's Lightning Network capabilities for micropayments, tipping, or any use case where transaction speed and low fees are critical. It's one of the few gateways that makes sub-dollar transactions economically viable.

OpenNode is one of the best cryptocurrency payment gateways for Bitcoin purists, developers, and businesses seeking the lowest possible transaction fees. Its dedicated focus on the Lightning Network makes it a forward-thinking choice for merchants who want to offer their customers the fastest and cheapest payment rail in the crypto space. It is less suitable for businesses that need to accept a wide variety of cryptocurrencies.

Website: https://www.opennode.com/

7. Stripe – Stablecoin Payments

Stripe, a titan in the traditional payment processing industry, has cautiously but powerfully entered the crypto space by offering a stablecoin-focused payment solution. Instead of a broad multi-coin gateway, Stripe allows U.S.-based businesses to accept stablecoins like USDC and receive settlements directly in USD. This approach is designed for merchants who want to leverage the benefits of crypto rails, like lower transaction costs and global accessibility, without embracing the volatility of assets like Bitcoin.

This makes Stripe one of the best cryptocurrency payment gateways for businesses already integrated into its ecosystem. It’s a low-friction entry point, enabling crypto acceptance through familiar tools like Stripe Checkout and Payment Links without requiring any direct handling of crypto assets or wallet management by the merchant.

Key Features and Integrations

Stripe's primary advantage is its seamless integration into its existing, world-class payments infrastructure. For its millions of current users, adding stablecoin payments is an incremental step rather than a complete system overhaul.

• Stablecoin Support: Natively accepts USDC on multiple high-speed, low-cost blockchains, including Polygon, Solana, Base, and Ethereum.
• Automatic Fiat Settlement: All incoming stablecoin payments are automatically converted and settled in USD to the merchant’s Stripe balance, eliminating volatility risk.
• Seamless Integration: Works with existing Stripe products like Checkout, Elements, and Payment Links. It also supports subscription billing in preview, a key feature for SaaS businesses.
• No Dispute Liability: Unlike credit card payments, transactions made via Stripe’s crypto method are final, protecting merchants from the costs associated with chargebacks and disputes.
• Geographic Limitation: Currently, this feature is only available for businesses based in the United States, which limits its global applicability for now.

Pro Tip: If your business is already built on Stripe, enabling its stablecoin payment option is a simple way to test the crypto market. You can target a new, tech-savvy customer segment without adding operational complexity or new third-party providers.

Stripe is the perfect choice for U.S.-based merchants who are deeply embedded in its ecosystem and want to offer a crypto payment option without managing price volatility or complex wallets. It’s a pragmatic and risk-averse step into the world of digital assets, backed by an enterprise-grade platform. For more context on where it fits in the market, explore this guide to the best crypto payment gateway.

Website: https://stripe.com/crypto

Top 7 Cryptocurrency Payment Gateways Comparison

Choosing the Right Gateway for Your Growth

Navigating the landscape of cryptocurrency payment gateways reveals a dynamic and powerful set of tools, each designed to unlock new revenue streams and streamline global transactions. We've explored a diverse lineup, from the developer-centric flexibility of BlockBee and the enterprise-grade reliability of BitPay to the streamlined simplicity of Coinbase Commerce. The key takeaway is that the "best" solution is not a one-size-fits-all answer; it's the one that aligns perfectly with your business model, technical capabilities, and growth trajectory.

Your final decision hinges on a careful evaluation of your specific operational needs. A high-volume e-commerce store might prioritize the instant, low-cost settlements offered by OpenNode's Lightning Network integration. In contrast, a SaaS platform with a global user base may find the extensive currency support and mass payout features of CoinGate or NOWPayments indispensable for managing subscriptions and affiliate commissions. For businesses new to crypto but already embedded in a traditional payment ecosystem, Stripe’s stablecoin option provides a familiar and low-volatility entry point.

Key Factors for Your Final Decision

As you move from evaluation to implementation, keep these critical factors at the forefront of your decision-making process. The right choice among the best cryptocurrency payment gateways will not only facilitate transactions but also enhance your customer experience and operational efficiency.

• Customer Experience: How simple is the checkout process for your end-user? A clunky or confusing interface can lead to cart abandonment. Prioritize gateways that offer a seamless, intuitive payment flow directly on your site.
• Settlement and Volatility: Determine your risk tolerance for price fluctuations. Do you want to receive crypto directly, or do you prefer instant conversion to fiat (like USD or EUR) to eliminate volatility? Services like BitPay and CoinGate excel at immediate fiat settlement.
• Integration and Developer Resources: Assess your team's technical expertise. Platforms like BlockBee and NOWPayments offer extensive APIs and plugins, providing deep customization for developers. Others, like Coinbase Commerce, are designed for quick, code-free setup via popular e-commerce platforms.
• Fee Structure and Transparency: Look beyond the headline transaction fee. Consider network fees, settlement charges, and any monthly or hidden costs. A seemingly low fee can become expensive if other charges are not accounted for.
• Geographic Reach and Compliance: Ensure the gateway you choose operates legally in your target markets and adheres to local regulations. This is especially crucial for businesses aiming for global expansion.

Your Next Steps to Crypto Adoption

The journey to accepting digital assets is an investment in the future of commerce. By choosing a gateway that scales with you, you are not just adding another payment option; you are future-proofing your business, tapping into a new global customer base, and positioning your brand at the forefront of financial innovation. The tools are ready and more accessible than ever. The next step is to select the one that will power your growth into the new digital economy.

Ready to implement a flexible, non-custodial crypto payment solution built for developers and businesses? BlockBee offers a powerful API, over 100 supported currencies, and advanced features like IPN callbacks and address forwarding to give you complete control. Explore our extensive documentation and see how easy it is to integrate at BlockBee.