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31st January 2025

Best Cryptocurrency Payment Gateway in 2025: Top 10 Crypto Payment Gateways Listed

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Thanks to the growing popularity of blockchain and cryptocurrencies, receiving payments with crypto has now become the norm for online businesses. According to a report by Coin Telegraph Research, up to 30,000 merchants worldwide now accept Bitcoin and other digital tokens for online payments. 

A crypto payment gateway integration is an important step for any software development project that involves receiving and processing crypto payments in any form. Integrating a payment gateway into your app or web platform unlocks several benefits, including enhancing ease of payments, security, and accessibility to a global audience.

In this guide, we explore the benefits of cryptocurrency payment gateways and recommend some of the best gateways to consider for your project. 

  • Crypto payment gateways allow merchants to accept digital currency payments for goods and services with ease. 
  • Cryptocurrency payment gateways function by generating wallet addresses or QR codes for payments, processing transactions via blockchain, and converting crypto to fiat or transferring it directly to the merchant’s wallet.
  • Cryptocurrency payment gateway integration offers numerous benefits including lower fees, enhanced security, faster transactions, and global accessibility.
  • To choose the most suitable gateway for your project, consider factors like transaction fees, ease of integration, customer support, and payers’ experience when they use the platform. 

Introduction: What Is a Crypto Payment Gateway?

Let’s begin with some definitions. What is a payment gateway and how does it work for crypto payments? A cryptocurrency payment gateway is a payment processor that allows merchants to accept cryptocurrency payments for the goods or services they offer. Similar to payment gateways for traditional fiat currencies, a crypto payment processor acts as an intermediary between a merchant and their customers at the point of completing a transaction. 

The gateway can be integrated directly into the merchant’s checkout page or in-store with a physical POS device. Some payment gateways facilitate the transfer of payments directly to the merchant’s crypto wallets while others enable merchants to receive payments in the form of fiat currencies by converting crypto payments and settling the merchant’s traditional bank account.

Functionality of Crypto Payment Gateways

The functionality of a cryptocurrency payment gateway isn’t particularly different from that of a traditional payment processor. The only difference here is that payment gateways accept crypto payments, which means they’ll have extra features for handling and converting digital currencies. Here’s a simple breakdown of how the crypto payment gateway works.

  • Integration: To receive crypto payments online, a merchant has to integrate the payment gateway into the checkout page of their website or application. This integration can be done by adding an external payment page, an API, or a low-code plugin that connects to the gateway service. In the case of in-store payment, the merchant needs to have a physical device that integrates with the payment processor’s POS system. 
  • Customer checkout: When the customer initiates a checkout process, they’re presented with the option to pay with cryptocurrency. If this opinion is selected, the payment gateway generates an invoice based on the selected crypto token. 
  • Payment: The invoice typically includes a wallet address where the payment will be sent. The customer can either copy the wallet address directly or scan the QR code to copy the address. 
  • Payment processing: After the customer sends the payment to the wallet address, the gateway processes the transaction by monitoring the blockchain for the transaction details. The payment processor verifies the customer’s payment details and verifies the correct amount has been sent. A confirmation is sent to both the merchant and the customer after the payment is processed. 
  • Conversion and settlement: If the transaction is processed successfully, the gateway converts the cryptocurrency into fiat currency and settles the transaction by sending it to the merchant’s bank account. However, if the merchant has chosen to receive payment directly as cryptocurrency, it will be sent directly to their wallet, minus fees.

Top 10 Crypto Payment Gateways in 2025

All cryptocurrency payment gateways perform the same core function of facilitating crypto payments. However, these platforms differ considerably in terms of their security, performance, ease of use, and other attributes. Since selecting the best cryptocurrency payment gateway is essential for any business looking to offer seamless payments to customers, the following are some of the best crypto payment gateways to consider.

NOWPayments

NOWPayments logotype

NOWPayments is a Netherlands-based cryptocurrency payment gateway founded in 2019. The payment processor allows merchants across various industries including iGaming, eCommerce, and SaaS to receive payments from customers using any of the platform’s 300 supported cryptocurrencies. NOWPayments settles retailers through fiat currency conversions, table coins, or direct crypto deposits into wallets. 

The platform charges a low flat fee of just 0.5% per transaction which is one of the lowest you’ll find in the industry. The NOWPayments platform doesn’t require KYC for onboarding and it offers robust APIs and plugins for seamless integration into various digital platforms.

Cryptomus

Cryptomus logotype

Cryptomus is a leading cryptocurrency payment platform for small businesses looking to receive payments online. The company was founded in 2022 and currently supports up to 15 cryptocurrencies. Cryptomus offers a wide range of tools for crypto payment management including crypto-to-fiat conversions, and multi-currency wallets. 

Although this platform supports only a handful of cryptocurrencies and charges fees of up to 2%, it is a preferred choice for small businesses that handle smaller transactions. This is because it can process virtually any amount of cryptocurrency, with no minimum set limit. Cryptomus is a popular payment process for the eCommerce and iGaming industries.

CoinGate

Coingate logotype

CoinGate has been in business since 2014 which makes it one of the oldest and most reliable payment gateways available. Although the company is based in Lithuania, CoinGate is used by merchants in more than 100 countries all over the world. 

As a comprehensive cryptocurrency payment processor, this platform supports more than 70 cryptocurrencies. CoinGate charges a low transaction fee of 1% on crypto transactions and offers features such as crypto-to-fiat conversions. This payment gateway is easy to integrate, with options like payment buttons, eCommerce plugins, and APIs for seamless integration. 

CoinsBank

CoinsBank logotype

CoinsBank is primarily a cryptocurrency exchange, which also offers crypto payment processing services. CoinsBank’s merchant account product provides easy-to-use solutions for online businesses looking to process crypto payments. It is available in over 175 countries which makes it perfect for businesses looking to receive international payments. 

Although it was founded in 2016, CoinsBank remains a niche solution with limited functionality. It only supports Bitcoin, Ethereum, Litecoin, and Ripple. This solution is best suited for eCommerce businesses in the fintech and financial services industry.

While it is less versatile compared to alternatives with more currency support, CoinsBank has a robust wallet management feature and efficient crypto-fiat conversation. The platform charges fees as low as 0.5%. 

SpicePay

SpicePay logotype

SpicePay is an open-source and secure wallet app with crypto gateway functionalities. It offers very limited crypto token options and is also limited to a few international markets specifically in South America, Europe, and South Asia. SpicePay is mainly used for Bitcoin payment processing but also supports three other crypto tokens (Bitcoin Cash, Litecoin, and Ethereum). 

Part of the highlights of using SpicePay to receive payments is its ease of use. It integrates with most of the popular eCommerce platforms which makes it easy for merchants to set up. Retailers will also find the process of withdrawing from this platform relatively easy as it supports withdrawals through multiple methods.

CoinPayments

CoinPayments logotype

CoinPayments is one of the biggest and most versatile crypto payment processors. It was founded in 2013 and currently supports payments with over 100 crypto tokens. The platform also offers advanced merchant tools such as multi-currency wallets, e-commerce plugins, currency conversion, and vaulting services.

The platform is also quite secure, with features like multi-signature wallets, two-factor authentication, and cold storage features to secure crypto transactions. Another highlight of using this platform is its competitive fees. Transaction fees are a flat 0.5%, which makes it suitable for small businesses across various industries. 

BitPay

BitPay logotype

BitPay is one of the most popular crypto payment processors in the market. This company has been in business since 2011 and is used by several large-scale businesses across more than 200 countries all over the world. This isn’t surprising, since this highly-trusted gateway has strong regulatory backing across several jurisdictions. 

Bitpay is famous for its simplicity and ease of use. The platform simplifies the process of integrating the gateway with intuitive API solutions. BitPay is also one of the few payment processors that support POS solutions. 

BVNK

BVNK logotype

BVNK is a crypto payment processor trusted by hundreds of businesses all over the world. This highly regulated payment gateway offers both fiat and crypto payment processing. The platform can accept payments made with up to 13 cryptocurrencies and over 20 fiat currencies. 

Integration is simple, as it offers a unified API to integrate the platform to a merchant’s site. In addition to receiving payments, BVNK also offers features for storing and converting crypto to any of the platform’s supported currencies. 

Coinbase Commerce

Coinbase Commerce logotype

Coinbase Commerce is a product from Coinbase, one of the biggest crypto exchange platforms in the world. This payment gateway is backed by the brand’s name and reputation which makes it one of the most reliable ways to accept payments online as well as physical store payments. 

The Coinbase platform supports up to 10 cryptocurrencies and is accessible across various international markets. The Coinbase Commerce prioritizes simplicity and ease of use. Not only are the APIs and plugins easy to integrate, but Coinbase Commerce also makes it possible for merchants to customize the API to suit their business needs better. 

BinancePay 

Binance logotype

As the name suggests, BinancePay is a payment processing system run by Binance, which is the world’s largest crypto exchange. As part of the robust ecosystem of the Binance exchange, BinancePay is able to leverage the flexibility and robust security measures offered by the Binance platform. 

As a payment gateway, Binance Pay allows merchants to receive crypto payments instantly and securely. In addition to the platform supporting a long list of cryptocurrencies, BinancePay is also known for its affordability compared to other cryptocurrency payment gateways. The platform charges zero transaction fees, which makes it the perfect option for businesses looking for an affordable way to receive crypto payments.  

Comparison of Crypto Payment Gateways

This table presents a comparison between the top crypto mobile payment gateways to help you choose the most suitable one for you. In this chart, we compare the top platforms in terms of the countries served, number of tokens, transaction fees, and so on. 

Comparison of crypto payment gateways

Why You Should Use Crypto Payment Gateway in Your Business?

In the past few years, crypto payments have become more popular than ever. Recognizing the potential of crypto tokens in facilitating quick, secure, and efficient transactions, many customers now prefer this payment option over traditional alternatives and expect the merchants they patronize to offer this option. Using Bitcoin or Ethereum to make payments is also considered to be cheaper than fiat currencies. 

Based on these factors alone, businesses that fail to integrate crypto payment are likely to miss out on customers. According to Statista, up to 30% of e-commerce businesses now accept cryptocurrency payments. This means you risk losing out to the competition if you fail to include crypto payments as an option on your checkout page. 

In addition to appealing to your existing customer base, a cryptocurrency integration will also expand it. That’s because crypto payments are accessible globally, which means you can receive payment from customers in international markets and access locations where traditional financial services are not available. 

Interestingly, the best crypto payment gateways are easier to integrate than you might have imagined. Most of these platforms offer plug-and-play solutions including payment buttons, plugins, and intuitive APIs that you can easily integrate into your website or application. They’re just as easy to use as conventional payment gateways.

A single gateway is also likely to support multiple tokens, and offer features that benefit your business such as instant settlement, currency conversions, and advanced security measures to protect your business. 

Need assistance in integrating a payment gateway in your product?
Our team can help you seamlessly connect with popular payment gateways, ensuring secure and reliable transactions for your customers.

Benefits of Using a Crypto Payment Gateway

A crypto payment gateway acts as an intermediary between merchants and their customers. Integrating a crypto payment platform makes it possible for businesses to receive payment from customers who prefer this payment option over traditional fiat currencies with great ease. It also allows both businesses and individuals using this payment method to leverage some of the advantages that come with blockchain adoption. Some of these benefits include: 

  • Lower Fees: Crypto gateways typically charge lower fees compared to traditional payment processors. That’s because crypto payments require fewer intermediaries to process and settle payments. With fiat currency transactions, multiple intermediaries such as card issuers and banks have evolved in any transaction issued. The absence of these intermediaries in cryptocurrency payments leads to lower transaction fees.
  • Enhanced Security: Blockchain technology is generally more secure compared to traditional banking options. In addition to the inherent tamper-proof nature of crypto transactions due to decentralization and consensus protocols, payments processed with crypto gateways also offer the benefit of anonymity. Customers don’t need to input their personal information or card details into the payment gateway to have their transactions processed. This reduces the risk of exposure to malicious actors. 
  • Fast Transactions and Quick Settlements: Crypto transactions are completed faster than traditional online payments. Instead of waiting for hours or days for the transaction to be completed, a crypto gateway will confirm transactions and settle merchants within a very short time. This reduces the long wait for customers and helps merchants maintain a steady cash flow. 
  • Cross-border Transactions: Traditional payments are often limited by the framework of traditional banks. This can make international payments difficult. Regulatory limitations can also make it tough for certain businesses (such as gambling and the adult industry) to receive payments through traditional options. Crypto gateways are not subject to these regulatory limitations and can facilitate payments from anywhere regardless of location and regulatory hurdles.  

How to Choose the Best Crypto Payment Processor

The payment processor you select goes a long way in determining the experience of your customers when they pay with crypto on your website. This is why you have to carefully consider your options and choose the most appropriate crypto payment platform for your business. Some of the factors to consider include: 

Fees

Ask questions about the fees or commissions charged by the payment gateway for their services. For most payment processors, you need to pay a flat fee calculated by a specific percentage of the transaction value. Most platforms charge between 0.5% to 3%. Some payment platforms will also charge an extra fee for currency conversions and other services. Make sure you have a clear understanding of all fees charged by the platform to avoid hidden fees that can affect your profit. 

Processing and Settlement Times

One of the benefits of crypto payments is the transaction processing speed. You don’t want to miss out on the benefit of receiving instant crypto payments by choosing an inefficient payment processor. While the blockchain network’s speed is the major factor that determines how fast transactions are processed, some payment gateways have measures to ensure instant payment processing like guaranteeing the payment even before the transaction has been verified on the blockchain. The arrangement the payment processor has in place with banks and liquidity providers will also affect how quickly fiat currency settlements are processed. 

Ease of Deployment

Look out for platforms that offer low-code integration options for their payment pages. This makes it easy to deploy the payment gateway on your website or app without technical expertise. For API deployment, the payment gateway should offer robust development docs and possibly tutorials to work users through the technical integration process. Some payment processors also offer plugins for easy integrations with the most popular eCommerce platforms. It also helps if your payment solution is compatible with other financial services software or point-of-sale systems that you use for your business. 

Payer Experience

Consider the intuitiveness of the interface that will be presented to customers. Most customers are used to the seamless one-click experience of traditional payment options and may have trouble adjusting to the payment process for crypto transactions. However, some payment gateways make things considerably easier for payers by offering hosted gateways and checkout pages with a user-friendly interface. These pages may also be fully optimized with advanced features such as integrations with popular crypto wallets for seamless payments. 

Customer Support

Getting the support you need if you run into any issues is one of the biggest factors to consider in choosing a crypto payment processor. Look out for providers with a good track record of quality support by checking reviews from previous customers. You should also consider the provider’s list of support channels and availability. Some of the best platforms provide 24/7 support and may even have dedicated account managers for users.  

Conclusion

Receiving payments with crypto is fast becoming a norm for most online platforms, enabling businesses to leverage the benefits associated with cryptocurrencies including speed, security, and efficiency. 

If you intend to receive payments from customers with crypto, you should consider integrating any of the payment processors recommended here. They’re easy to use and charge only a small fee for their services. 

To get more insights about how to build a payment gateway to receive crypto payments, contact CrustLab. We offer custom blockchain development services and can help you navigate crypto payment gateway integration and any other blockchain-related aspects of your project. Contact us now to get started. 

FAQ

01. What is the best crypto wallet to make payments?

u003cspan style=u0022font-weight: 300;u0022u003eThe best crypto wallet for making online payments depends on various factors. Coinbase Wallet is generally regarded as one of the best wallet options to consider due to its ease of use. However, there are great options like Trust Wallet, ZenGo, Ledger, and so on.u003c/spanu003e

02. What is the best payment gateway site?

u003cspan style=u0022font-weight: 300;u0022u003eBased on our review, our top pick for the best crypto payment gateway site is currently CoinPayments. The platform supports over 100 crypto tokens for payment and charges a low fee of 0.5% on transactions. However, any of the other gateways listed here would make a good choice depending on your unique needs.u003c/spanu003e

03. What is the best payment method to buy crypto?

u003cspan style=u0022font-weight: 300;u0022u003eThe best way to buy cryptocurrency is to purchase on a cryptocurrency wallet with an option to buy crypto assets directly. Since any other method will still require you to send the tokens to your wallet, buying directly on a wallet can save you some extra steps and transaction fees.u003c/spanu003e