5 BEST Crypto Payment Gateway (2025)

Are you unsure which crypto payment gateway actually protects your revenue stream? Choosing the wrong one invites hidden fees, payout delays, transaction slippage, data latency, unfair resets, and scaling traps that quietly drain profits. Add in unverified platforms or misleading tools, and the result is confusion, financial stress, and sometimes irreversible losses. By contrast, trusted solutions with transparent rules, fast settlements, and reliable infrastructure help you focus on growth instead of constant troubleshooting. High-quality gateways ultimately transform chaos into clarity and consistency.

I spent 159+ hours researching 24 tools to uncover the best crypto payment gateway options. My hands-on testing and firsthand experience shaped this backed-by analysis, covering each tool’s key features, pros and cons, and pricing. Read the full article to avoid costly mistakes and choose with confidence. Read more…

Best Cryptocurrency Payment Gateways & Processor

Name	Payment Methods Accepted	Payment Processing Fees	Supported Cryptocurrency Types	Settlement Options	Link
Binance Pay	Debit and Credit Cards/ In-person cash payments/ Bank Transfer	Zero Fees	BTC, BNB, BUSD, ETH, ADA, ATOM, BCH, DASH, DOGE, TRX, etc.	Cash settlements	Learn More
Coinbase	Bank Account (ACH)/ Debit Card/ Wire Transfer, & more.	1% transaction fee	Bitcoin, Tether, Ethereum, XRP, BNB, Solana, etc.	Cash settlements	Learn More
NowPayments	Credit and debit cards/ bank transfers	0.5% base transaction fee	Bitcoin, Ethereum, Ripple, Litecoin, etc.	Cash settlements	Learn More
BitPay	Bank transfer/ Debit/ credit card	1% processing fee	Bitcoin, Dogecoin, Ethereum, Litecoin, Gemini, etc.	Cash settlements	Learn More
CoinPayments	Credit and debit cards	1%	Bitcoin, Binance Coin, Ethereum, Dogecoin, Tether USD, etc.	Cash settlements	Learn More

1) Binance Pay

Best for Beginners and Security

Binance Pay is a contactless, borderless, and secure method from Binance for sending, receiving, and spending cryptocurrencies. I have used it to pay merchants and peer-to-peer without worrying about fees. It supports over 80 cryptocurrencies and operates with zero transaction fees, especially appealing for merchant integration and everyday crypto spending.

Recent tweets from Binance highlight its expansion: this year, it partnered with Zapper in South Africa, enabling more than 31,000 merchants to accept crypto through Binance Pay.

Features:

• Support for Multiple Cryptocurrencies: This feature supports over 50 coins and stablecoins, including BTC and ETH. It ensures merchants can handle both major tokens and niche altcoins. From my experience, this diversity increases customer flexibility and boosts conversion rates.
• Customizable Payment APIs: Binance Pay offers APIs to customize checkout flows. Merchants can design frictionless transactions that blend with their brand. I’ve seen APIs like this reduce cart abandonment by simplifying the user’s payment journey.
• Zero Gas Fees for Transfers: It offers free transfers when sending crypto to family or peers. This helps avoid blockchain network congestion costs. In my experience, zero fees also make microtransactions more practical for daily payments.
• Flexible Payment Preferences: This feature lets users set how they wish to receive crypto. Merchants can auto-convert to stablecoins or hold volatile assets. Having this flexibility is key to managing exposure during volatile markets.
• Supported Cryptocurrency Types: Binance Pay supports BTC, ETH, ADA, BNB, BUSD, and more. That wide mix covers both investment-grade coins and experimental ecosystems. It’s a practical feature that keeps merchants ahead as adoption spreads across multiple chains.

Visit Binance >>

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2) NowPayments

Best for Low Fees

NowPayments is a free-signup crypto payment gateway letting merchants accept Bitcoin, Ethereum, and over 100+ other cryptocurrencies with fees as low as 0.5%. I tested its API and widgets — I was impressed by how fast setup is and how smoothly payments settle in fiat or crypto. NowPayments is non-custodial, supports major plugins (WooCommerce, Shopify, Magento), offers donation tools, invoices, point-of-sale widgets, and mass payouts.

On its X handle @NOWPayments_io, the team recently slashed USDT deposit network fees from ~$4 to $1 for all partners, and rolled out smoother login flow, better security, and improved payout instructions. These updates reinforce its value for merchants seeking both low cost and operational ease.

Features:

• Accepts 75+ Cryptocurrencies: This feature allows merchants to accept over 75 digital currencies easily. It makes checkout more flexible for global users. I’ve personally found this reduces payment friction across different crypto communities.
• Merchant Tools (API, Invoices, Widgets): You can use APIs, invoices, and widgets to customize payment flows. It helps businesses design checkout experiences that match their branding. I once used the API to automate recurring subscriptions with minimal effort.
• Non-Custodial Payment Solutions: This feature ensures you remain in control of your funds. NowPayments never holds your assets, reducing custody risk. It’s a good safeguard against exchange hacks and counterparty issues.
• Low Transaction Fees (0.5% or Lower): The platform offers some of the lowest fees in the industry. Even small businesses benefit from better margins. Over time, these savings can meaningfully improve bottom lines, especially when handling high transaction volumes.
• Dedicated Account Manager Support: It offers merchants priority support with a personal account manager. This ensures smooth onboarding and quicker issue resolution. For newcomers, having direct human guidance adds significant confidence.

Visit NowPayments >>

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3) BitPay

Best for Bitcoin Payments

BitPay is a veteran cryptocurrency payment gateway, founded in 2011, that allows merchants to accept crypto payments safely with options like fiat settlement, 2FA security, and customizable eCommerce integrations. I observed today how its growth in supported coins—plus support for direct bank deposits—help reduce risks tied to crypto volatility. It integrates with platforms like Shopify, WooCommerce, supports many coins (BTC, ETH, USDC, etc.), and notifies users across email, mobile, and server endpoints.

Its X account @BitPay recently shared that stablecoins now make up 40 % of all payments and payouts on BitPay in 2025 — an indicator that merchants are shifting toward tokens with less volatility.

Features:

• Direct Bank Deposits: This feature lets you receive settlements directly to your bank account in fiat currency. It reduces volatility risks by instantly converting crypto to stable value. Businesses benefit from predictable cash flow and reduced accounting headaches.
• Two-Factor Verification: It adds an extra security layer to protect against unauthorized access. I’ve personally used BitPay with 2FA, and it saved me once from a phishing attempt. You should always enable it to safeguard funds.
• Secure API Access: BitPay’s API is built with cryptographic security to block hacking attempts. It allows seamless integration into e-commerce or apps. Developers gain strong reliability, while merchants maintain customer trust with protected transactions.
• Payment Notifications: This feature sends alerts via email, mobile, or servers for every transaction. You never miss payments since it keeps you informed in real-time. It improves bookkeeping accuracy and helps resolve disputes quickly.
• Ecommerce Plugins: You can easily integrate BitPay with WooCommerce, Shopify, WHMCS, and more. This reduces development costs and shortens setup time. Even non-technical store owners can accept crypto without complexity.

Link: https://bitpay.com/

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4) CoinPayments

Best for Global Crypto Payments

CoinPayments offers one wallet for more than 2,000 cryptocurrencies, works in over 200 countries, and charges only 0.5% per transaction. I was impressed by its multi-coin support, 2FA security, and ability to accept payments via credit, debit, or direct crypto.

Their X handle, @CoinPaymentsNET, just revealed that with Ali Rafi becoming CEO in June 2025, the platform aims for faster feature rollouts and broader market reach. That could matter if you need frequent updates in your payment infrastructure.

Features:

• Multi-Coin Wallet: This feature lets you manage over 2000 supported coins in one wallet. It simplifies portfolio handling for merchants and individuals alike. I’ve found this particularly useful when consolidating payments across multiple chains.
• Crypto Payment APIs and Mobile POS: You can easily integrate APIs or use mobile POS systems for seamless crypto transactions. This flexibility helps merchants accept payments both online and in-store. It ensures a frictionless checkout experience for global users.
• Two-Factor Authentication (2FA): Security is prioritized with strong 2FA protection. It helps reduce the risk of account breaches and unauthorized access. I always advise enabling 2FA as an industry best practice, especially when handling large flows.
• Buy Crypto with Debit/Credit Card: The platform lets you purchase crypto directly within the app using cards. This saves time, avoids multiple third-party services, and reduces friction in onboarding. It’s convenient for new merchants adopting crypto payments.
• Supported Fiat Currencies: The gateway supports AUD, CAD, EUR, GBP, USD, USDC, and BRL. Accepting these fiat currencies ensures easy conversions and reduces volatility risks. It’s especially helpful for merchants hedging against crypto price swings.

Link: https://www.coinpayments.net/

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5) DePay

Best Payment Gateway without Signup

DePay is a free-to-start Web3 gateway that allows merchants to accept crypto payments without signing up, directly into their wallet. I tested the plugin and saw the auto-conversion feature removing friction at checkout. It supports multiple blockchains, thousands of tokens, charges just 1%, and eliminates chargebacks because payments are non-custodial.

On X, DePay just announced “DePay V2,” emphasizing lower gas fees, more efficient routing, and plug-and-play integrations for Shopify, WooCommerce, and WordPress merchants.

Features:

• No Signup Required: This feature lets you integrate DePay without tedious account setups. It reduces onboarding friction and speeds up merchant adoption. Many competitors demand lengthy KYC, while DePay removes that bottleneck. It’s ideal for Web3-first businesses.
• Peer-to-Peer Payments: It ensures funds go directly between sender and receiver without custodial risk. I appreciate this feature because it eliminates reliance on third parties. That design helps preserve decentralization and aligns with blockchain principles.
• Multi-Chain and Wallet Support: DePay supports major blockchains and wallets, giving merchants flexibility. This makes it easier for customers to pay using their preferred crypto. It also reduces payment drop-offs from limited network choices.
• Transparent Transaction Fees: DePay charges a flat 1% fee, which is predictable. While not the lowest, it avoids hidden costs often found in custodial solutions. I’ve found this kind of transparency helpful when forecasting payment volumes.
• Real-Time Price Conversion: This feature could automatically convert incoming crypto to stablecoins. It would shield merchants from volatility risk. I’ve seen businesses lose margins when price swings hit mid-transaction.

Link: https://depay.com/

What are the Advantages of using Crypto Payment Gateway services?

Crypto payment gateways offer a few unique advantages to the customer and the merchant.

The following are some benefits of using crypto payment gateways:

• There are no Chargebacks: There are no refunds or chargebacks, which increases the security of transactions.
• Anonymous Payments: This boosts the security of individuals undertaking digital transactions.
• Offers Quicker Transactions: Paying with crypto in payment gateways makes the process rapid, as there are no intermediate third parties in the transactions.
• Works well with all operating systems: Crypto payment gateways, as is with all Decentralized payment gateways, work well with Android, iOS, or even Windows, making it easier for their integration.

What should you look for in a cryptocurrency payment gateway when transacting?

Here are some essential factors to consider when choosing a suitable payment processor:

• Consider if the payment gateway is cost-effective: An essential factor is the total cost an individual will incur while setting up the payment processor.
• Types of cards allowed: The cards would coincide with what an individual has. Many payment gateways often use Visa, Mastercard, and Amex credit cards.
• The holding time of the payment gateways: The money in transactions is held for several days before settling into a person’s account.
• The number of currencies supported: When it is engaged in international businesses, the payment gateway should be able to handle different currencies from different countries.
• The security of the payment gateway: The security of the payment gateway should be a high priority since it stores a store’s sensitive financial information online.
• The limits of the payment gateway: One should choose a payment gateway within their transaction limit.
• Able to integrate with other systems: The payment gateway is worth considering if it can connect to the different invoicing and accounting software to keep a record of transactions.

What is the risk of using Crypto Payment Gateways?

Here are some major risks of using Crypto Payment Gateways:

• The platforms may be prone to malware, making wallets susceptible to insecurities.
• Payment gateways have a wider attack surface. Here, if an employee is compromised, it exposes the entire exchange.
• Cryptocurrency gateways are open to software vulnerabilities hidden in their APIs or integrations.

FAQs

Verdict