Crypto Payment Gateway: Best Picks for Businesses in 2026

A crypto payment gateway lets a business accept Bitcoin, Ethereum and stablecoins such as USDC and USDT, locks the exchange rate while the customer pays, and settles the money in crypto or in a bank currency.

The top picks for 2026 are: 1. BitPay, 2. CoinGate, 3. NOWPayments, 4. CoinPayments, 5. Coinremitter, 6. Stripe, 7. BTCPay Server and 8. BVNK, and for India-linked businesses that are paid in stablecoins for B2B invoices, Xflow settles USDC and USDT into rupees.

You need a cryptocurrency payment gateway because card payments carry chargebacks, slow cross-border settlement and fees that add up, while a crypto payment can typically reach you from another country within minutes and the payer cannot reverse it.

We cover a ranked shortlist, how a gateway works and how to choose one, a side-by-side comparison, each provider in turn, benefits, risks and a pick by monthly volume.

The eight providers below cover the main ways a business can take crypto payments today, from a regulated processor to a self-hosted server, with a separate option for India-linked businesses settling stablecoin payments into INR.

1. BitPay - best for US, UK and EU merchants that want an established, licensed processor with daily bank settlement.
2. CoinGate - best for online shops that want EUR, GBP or USD payouts from an operator licensed under the EU's Markets in Crypto-Assets rules (MiCA).
3. NOWPayments - best for merchants that want a wide coin list and a low entry fee.
4. CoinPayments - best for merchants wanting a long-running custodial gateway with 40+ coins and batched withdrawals.
5. Coinremitter - best for small merchants wanting a low 0.23% fee and sign-up with just an email address.
6. Stripe - best for US businesses already on Stripe that want to add a stablecoin option beside cards.
7. BTCPay Server - best for technical teams that want zero processor fees and to keep their own keys.
8. BVNK - best for businesses above USD 500,000 a month needing fiat and stablecoin accounts across many countries.
9. For India-linked B2B: Xflow - settles invoice-backed USDC and USDT payments into an INR bank account.

Five needs sit behind most choices: getting paid from anywhere without card-style chargebacks, avoiding price swings, keeping control of your funds, staying compliant, and getting paid out in your own currency. A crypto payment processor rarely solves all five.

We explain every pick briefly below and tag each with the needs it covers.

Every crypto payment processor does three jobs: it shows your customer what to pay, confirms that the money arrived and settles it to you.

What differs is who holds the funds on the way and what currency you end up with.

Two settings do most of the work: whether you convert at once and who holds the funds.

These also narrow the field, because a self-hosted tool cannot convert to fiat and a gateway that converts for you usually holds the funds for a short time. After those two, compare coins, plugins and fees.

How a cryptocurrency payment gateway handles each payment, step by step

A cryptocurrency payment gateway, also called a crypto payment processor, handles every payment in the same order.

The cryptocurrency checkout is only the first step, where your customer chooses crypto and sees what to pay; the gateway then confirms the payment and settles it to you.

1. Checkout: the customer picks crypto and the gateway creates an invoice with a locked exchange rate and a unique payment address, often shown as a QR code.
2. Payment: the customer sends the exact amount from their wallet to that address.
3. Confirmation: the gateway watches the network until the payment has enough confirmations. Bitcoin adds a block about every ten minutes, so six confirmations take roughly an hour, while stablecoin timing depends on the chain.
4. Notification: the gateway marks the invoice as paid and tells your shop or billing system.
5. Settlement: the gateway pays you in crypto or converts the payment to a bank currency, depending on your setting.

Bitcoin payments can also settle over the Lightning Network, a faster second layer, where a provider supports it.

Is a payment gateway the same as a payment processor?

In everyday use the two names overlap: a gateway is the layer that passes the payment details between the customer's checkout and the provider, while a processor moves and settles the funds, and most crypto providers do both.

For the card-world version of the difference, see our guide to the payment processor.

When you compare providers, look at what each one does for you rather than which of the two names it uses, because the label tells you little about custody, fiat payout or fees.

Should you use instant fiat conversion or keep the crypto?

Instant fiat conversion versus keeping crypto is the first setting you choose, and it decides who carries the price risk.

• Instant fiat conversion - the provider auto-converts the payment into fiat, so you receive a fixed amount in your bank currency. You get volatility protection, but you give up any upside and pay for the conversion.
• Keeping crypto - you receive the coin itself. You keep any rise in value but also any fall, and you will need a way to turn it into cash later.
• A split - you can convert enough to cover costs and keep a small balance for suppliers who accept crypto, which limits both the price risk and the conversion cost.

Custodial vs non-custodial crypto payment gateway and who holds the funds

A custodial provider holds your money between the customer's payment and your payout.

That makes conversion and bank settlement easy, but it also means your funds sit with the provider and a compliance hold on its side can stop a payout.

A non-custodial crypto payment gateway sends the payment straight to a wallet you control, so no provider can freeze it. The price is that you carry the keys, the conversion and the accounting yourself.

BTCPay Server works this way, and CoinGate offers both a gateway and an optional custody account, so you can choose how much control to keep.

Do you need a fiat to crypto payment gateway or the reverse?

A fiat to crypto payment gateway turns a customer's card or bank payment into crypto. That is a buying service, used by people who want to hold coins.

A business that wants to be paid in crypto needs the reverse: a gateway that accepts crypto and, if you choose, converts it to fiat.

Stripe lists its fiat-to-crypto onramp as a separate product. Check which direction a provider means before you sign up, because the two kinds are built for different customers and carry different licences and checks.

Seven criteria to check before you pick a provider

Use these seven criteria to compare any provider. Fees change with monthly volume at most providers, so they are set out in each entry and in the volume section.

1. Custody - who holds the funds before they reach you.
2. Coins - which cryptocurrencies and stablecoins you can accept.
3. Fiat conversion and payout - whether the provider converts and which currencies it pays out.
4. Fees - the listed rate and what changes it.
5. Plugins and API - shop plugins, invoicing tools and developer access.
6. Compliance and KYC - the licences the provider holds and the know-your-customer checks it runs on you.
7. Best for by monthly volume - which tier of monthly transaction volume the provider suits.

Custody, coins, payout, plugins, compliance and volume decide most choices, so here are the eight gateways side by side, with the India settlement option last.

What a $1,000 payment costs on each gateway

Headline rates hide how different the cost is. Here is the published processing fee on a single $1,000 payment, from each provider's pricing page in October 2026; network fees and any payout or conversion charges come on top.

The cheapest headline fee is not always the cheapest route: a crypto-only payout means you still pay to convert to a bank currency, while BitPay's higher fee includes conversion and a daily bank payout.

Check three things in every entry before you look at fees:

• Custody - whether your funds sit with the provider or in your own wallet.
• Payout currency - whether the provider pays out in a currency your bank holds.
• Licences - which regulator has authorised the provider, and where.

1. BitPay

Best for: US, UK and EU merchants wanting an established, licensed processor.

BitPay is a crypto payment processor that has operated since 2011 and lets merchants accept crypto at checkout, on invoices and in store, then settle to a bank account or in crypto.

Customers pay from their own wallet, and BitPay converts and pays out the merchant daily.

Needs it solves: payments from anywhere without card-style chargebacks, avoiding price swings, staying compliant and a bank payout in seven currencies.

Key features

• BitPay supports online checkout, emailed invoices, in-store payments and crypto payouts, so one account can cover a shop, a billing team and supplier payments.
• BitPay settles daily to bank accounts in AUD, CAD, EUR, GBP, MXN, NZD and USD, which saves a merchant from managing a crypto balance.
• BitPay lists volume tiers, so fees fall from 2% + 25c to 1% + 25c as monthly volume passes USD 500,000 and then USD 1 million.

Pros

• BitPay holds a New York BitLicense and US state money transmitter licences, which gives regulated merchants a licensed provider to name in their own records.
• BitPay lists its fee tiers, so a growing merchant can see exactly when its rate drops instead of negotiating from scratch.
• BitPay supports stablecoin payments as well as Bitcoin and other coins, which gives customers a steadier-priced option at checkout when they do not want to hold a volatile coin.

Cons

• BitPay's entry tier of 2% + 25c on volumes under USD 500,000 a month is higher than the 1% headline rates listed by CoinGate and NOWPayments.
• BitPay charges higher rates to high-risk merchants than its listed tiers, so a business in a restricted category should ask for its own quote first.

2. CoinGate

Best for: online shops wanting EUR, GBP or USD payouts from a MiCA-authorised operator.

CoinGate is a Lithuania-based crypto payment gateway, run by UAB Decentralized, that lets online shops accept crypto and convert it instantly to euros, pounds or dollars.

Shops pay a flat 1% on the Standard plan and can also keep a balance in an optional regulated custody account.

Needs it solves: payments from anywhere without card-style chargebacks, avoiding price swings and staying compliant in the EU.

Key features

• CoinGate offers plugins for WooCommerce, PrestaShop, WHMCS, OpenCart and Wix, so most small shops can add crypto without writing code.
• CoinGate converts payments instantly to EUR, GBP or USD and pays out by SEPA or SWIFT, with a SWIFT withdrawal fee of 0.5% subject to a minimum.
• CoinGate lists free crypto withdrawals to your own wallet, and a crypto payouts service for suppliers or freelancers at 0.50 EUR plus 0.5%, which suits shops that keep part of their income in coins.

Pros

• CoinGate's operator holds both a MiCA crypto-asset service provider authorisation and a payment institution licence from the Bank of Lithuania.
• CoinGate charges a flat 1% on the Standard plan with no monthly fee, so a small shop can price its costs without a tier table.
• CoinGate offers both a gateway and an optional custody account, which lets a business choose how much control to keep.

Cons

• The Standard plan settles automatically once a week, so a shop that needs faster settlement has to ask about on-request settlement on the Enterprise plan.
• CoinGate pays out in EUR, GBP and USD only, so an Indian business cannot receive rupees from it directly and needs a second conversion step.

3. NOWPayments

Best for: merchants wanting a wide coin list and a low entry fee.

NOWPayments is a crypto payment gateway that accepts more than 350 cryptocurrencies and supports more than 75 fiat currencies, with optional auto-conversion.

Online merchants, SaaS businesses and gaming or content sites use it to take payments and pay out affiliates or freelancers in bulk.

Needs it solves: payments from anywhere without card-style chargebacks, avoiding price swings through auto-conversion and, through its custody product, keeping funds in one place.

Key features

• NOWPayments accepts 350+ cryptocurrencies, one of the broadest coin lists here, which suits merchants whose customers hold smaller or newer coins.
• NOWPayments offers mass payouts of up to 1,000 transactions at a time, which saves a marketplace or affiliate programme from paying people one by one.
• NOWPayments adds two-factor authentication, role-based access and withdrawal whitelisting, so a team can limit who can move money out when several people share access.

Pros

• NOWPayments starts at a 1% fee with loyalty discounts, which keeps the entry cost low for a new merchant testing crypto sales.
• NOWPayments does not make payer KYC compulsory unless its anti-money-laundering checks flag a payment, which keeps checkout quick for most customers.
• NOWPayments reports USD 10 billion processed since 2019, which shows a new merchant how much volume the platform has already handled.

Cons

• NOWPayments starts at a 1% fee, above the 0% of a self-hosted server such as BTCPay Server, and larger merchants negotiate Enterprise terms instead of reading a published rate.

4. CoinPayments

Best for: merchants wanting a long-running custodial gateway with a wide coin list.

CoinPayments has processed crypto payments since 2013 and accepts 40+ cryptocurrencies through plugins and an API, holding funds in multi-signature custody. Its batching feature groups withdrawals to cut network fees, and conversion to fiat is available where supported through third parties. Merchants go through KYC and AML checks. Choose it if you want a custodial gateway with batched payouts and can live with crypto-first settlement.

5. Coinremitter

Best for: small merchants wanting a very low fee and a quick start.

Coinremitter accepts major coins and stablecoins into a hosted wallet, charges 0.23% when you withdraw, and offers plugins for WordPress, Magento and other platforms. Sign-up needs only an email address, with no ID check, which is why it appears in searches for gateways without KYC. It pays out in crypto only, so you need your own route to convert to a bank currency, and a business in a regulated market should weigh the compliance risk of a provider that does not verify its merchants.

6. Stripe

Best for: US businesses already on Stripe adding a stablecoin option beside cards.

Stripe is a global payments platform that now lets supported businesses take stablecoin payments inside its normal checkout.

The customer picks crypto, connects a wallet on a Stripe page and pays in a supported stablecoin, and the merchant is settled in local currency into the usual Stripe balance.

Needs it solves: payments from anywhere without card-style chargebacks and a payout in local currency.

Key features

• Stripe takes stablecoin payments through Checkout, Elements, Invoicing, Payment Links, Billing and Connect, so existing Stripe merchants can offer it in the tools they already use.
• Stripe accepts USDC on Tempo, Ethereum, Solana, Polygon and Base, with USDP and USDG available for US customers only, which tells you which networks a payer can pick at checkout.
• Stripe supports invoices and subscriptions in stablecoin, which lets a software business bill on repeat without rebuilding its billing flow.

Pros

• Stablecoin payments on Stripe do not produce disputes that turn into chargebacks, which removes a cost card sellers know well.
• Stripe settles stablecoin payments into the same balance as card payments, so a finance team reconciles one account instead of two.

Cons

• Stablecoin payments are live for US businesses except those in New York, with the EU, Hong Kong, Mexico and Switzerland in private preview, and each business requests access in its Dashboard for Stripe to review.
• Stripe caps each stablecoin payment at USD 10,000 for the customer and accepts stablecoins only, so large invoices and Bitcoin or Ethereum payers fall outside it.
• Stripe has no dispute process for stablecoin payments, and refunds go back to the customer's original wallet as stablecoin, which a merchant should plan for in its refund policy.

7. BTCPay Server

Best for: technical teams wanting zero processor fees and their own keys.

BTCPay Server is a free, open-source payment processor that you host yourself, so the software sits on your own server or a host you choose.

Payments go straight to your connected wallet, with no company in the middle that holds the funds or can freeze them.

Needs it solves: payments from anywhere without card-style chargebacks and full control of your funds.

Key features

• BTCPay Server charges 0% in fees and has no third party in the flow, so a merchant pays only for the hosting it chooses to run.
• BTCPay Server runs on the cloud, your own hardware or a shared host, which gives technical teams a choice of cost and control.
• BTCPay Server offers plugins for WooCommerce, Shopify, PrestaShop, Magento and Odoo, plus an API, so most shops can connect it without custom development.

Pros

• BTCPay Server is non-custodial, so funds arrive directly in your wallet and no provider can hold or freeze a payout.
• BTCPay Server is open source and auditable, which appeals to privacy-minded businesses that want to check how their payments are handled.
• BTCPay Server has no fee schedule to negotiate and no volume tiers, so the cost stays flat as sales grow.

Cons

• BTCPay Server leaves you to run and update the server, or pay a host to do it, and there is no vendor support contract behind it.
• BTCPay Server does not convert to fiat, so price swings stay with you, and you handle your own accounting, refunds and compliance.

8. BVNK

Best for: businesses above USD 500,000 a month needing fiat and stablecoin accounts across many countries.

BVNK is a stablecoin payments infrastructure provider, now a Mastercard subsidiary after the deal closed on 3 August 2026, for sending, receiving, storing and converting stablecoins and fiat.

Businesses connect through one API and can hold accounts in both fiat and stablecoin.

Needs it solves: payments from anywhere, avoiding price swings, staying compliant and fiat payouts in 130+ countries.

Key features

• BVNK offers send, receive, store, convert, spend and earn products through a single integration, so a fintech avoids stitching together several vendors.
• BVNK supports fiat and stablecoin accounts and payouts in more than 130 countries, which suits businesses that pay suppliers or staff worldwide.
• BVNK lets partners issue virtual cards that spend from stablecoin balances, which gives a business a way to use received funds without a bank transfer first.

Pros

• BVNK holds more than 40 licences, including a UK FCA electronic money licence and European crypto-asset registrations, so it suits regulated buyers.
• BVNK reports ISO 27001:2022 certification and SOC 1 and SOC 2 Type II reports, which security teams ask for during vendor reviews.
• BVNK combines pay-ins, payouts and cards in one API, which cuts integration work for a platform handling collections, payouts and spending together.

Cons

• BVNK serves businesses with USD 500,000 or more in monthly payments and six or more months of trading history, so a new or small merchant may not qualify.

For India-linked B2B: Xflow (stablecoin settlement into INR)

Best for: platforms and India-linked businesses settling invoice-backed stablecoin payments into INR.

Xflow is a stablecoin settlement layer that lets Indian businesses receive USDC and USDT payments as rupees.

A buyer sends stablecoin for an invoice, Xflow converts it to USD outside India, and the business withdraws the amount in INR. Stablecoin settlement is currently offered to platforms and businesses using Xflow's APIs or payments infrastructure.

Needs it solves: avoiding price swings, staying compliant and getting paid out in INR.

Key features

• Xflow lets a platform create USDC and USDT wallet addresses for its users over APIs, so each business has its own address for incoming payments.
• Xflow accepts USDC and USDT on Solana, Tron and EVM chains such as Polygon and Ethereum, and converts them to USD outside India before crediting your Xflow account.
• Xflow issues an eFIRA on every transaction through an authorised dealer Category I bank, which gives the business audit-ready records for its bank.

Pros

• Xflow holds final PA-CB authorisation from the Reserve Bank of India (RBI) and appears on the RBI's authorised list dated 18 February 2026, which a finance team can check for itself.
• Rupees arrive in a normal bank account with an eFIRA attached, so the invoice has a clear record behind it.
• Xflow converts the stablecoin outside India, so the business receives INR and does not need an exchange account of its own.

Cons

• Xflow settles invoice-backed business payments only, so it does not suit retail sales, donations, tips or consumer top-ups that have no invoice behind them.
• Xflow supports USDC and USDT only, so businesses that want to accept Bitcoin, Ethereum or other coins need a different provider for them.

For the product details, see Xflow's stablecoin settlement page.

Also worth a look: Coinbase Business, formerly Coinbase Commerce; Binance Pay, for merchants whose customers already hold crypto on Binance; Cryptomus, with fees from 0.4%; Blockonomics, a non-custodial Bitcoin gateway at 1% per transaction; and Speed, built around the Lightning Network.

Each benefit of accepting crypto ties back to one of the five needs, and the providers that serve it.

On cost, crypto gateways typically charge around 1% per payment against roughly 2.9% plus a fixed fee for international card payments, and a confirmed payment cannot be charged back.

Mainstream crypto payment providers run KYC or KYB (know your business) checks on you and ask where your funds come from.

In the EU, MiCA has applied since 30 December 2024, and the last transitional deadline, 1 July 2026, has passed.

In India, virtual digital asset service providers must register with the Financial Intelligence Unit-India (FIU-IND), as its notice of 4 July 2023 restated.

A simple test helps: if you can name the licence your provider holds and the country that issued it, you are probably dealing with a regulated business.

For an Indian business, four rules matter before you accept crypto:

• Tax: income from transferring crypto and other virtual digital assets is taxed at a flat 30%, with no deduction except the cost of acquisition and no set-off of losses, now under section 194 of the Income-tax Act, 2025 (formerly section 115BBH).
• TDS: 1% tax is deducted at source on payments for transferring a virtual digital asset above the yearly thresholds, now under section 393 (formerly section 194S).
• Providers: since 7 March 2023, businesses that exchange, transfer or hold virtual digital assets for others are reporting entities under the Prevention of Money Laundering Act, so the provider, not you, registers with FIU-IND.
• Banks and export receipts: RBI's 2018 ban was set aside by the Supreme Court, and banks may serve crypto businesses with normal KYC and AML checks. Export proceeds, however, must reach you through an authorised dealer bank under FEMA, so a payment received in crypto does not, on its own, give you the FIRA or bank realisation record your exports need.

Three risks come up most often when a business accepts crypto:

• Price movement - the value can change between payment and payout.
• Finality - a confirmed payment cannot be pulled back.
• Custody - a provider that holds your funds is a risk in itself.

Price swings between the moment of payment and settlement

Crypto prices can move a few percent in a day, so the amount you were owed can change before you are paid out.

Instant fiat conversion removes the gap, and a locked exchange rate at checkout fixes the invoice amount for a short window.

The gap matters most for businesses with thin margins or long settlement times, because a small move can erase the profit on an order. Bitcoin's fall from late 2021 is a clear example.

Payments that cannot be reversed or charged back

A confirmed on-chain payment is irreversible. The same fact that spares you card-style chargebacks means a refund is a new payment you send. Stripe, for instance, returns stablecoin refunds to the customer's original wallet.

Before your first refund, agree these points:

• Policy - state when you refund and in which coin.
• Address - ask the customer for a refund address in advance.
• Check - read the wallet address twice before you send, because a wrong address cannot be recovered.

Counterparty risk when a provider holds your funds

If a provider holds your funds, you are exposed to that provider.

FTX, an exchange that held customer funds, filed for Chapter 11 bankruptcy on 11 November 2022. Ask any provider whether customer funds are held apart from its own money and how quickly a withdrawal is processed.

Reduce the exposure by settling out often, choosing licensed providers, or using a non-custodial setup for balances you do not need to convert.

KYC checks, source of funds and frozen payouts

Providers can pause a payout while they verify your business or a payer. Moving crypto into fiat through a bank also triggers source-of-funds questions, because the bank wants to see where the money came from and why it arrived.

Keep your invoices, contracts and wallet records together, and complete business verification before your first large payment. A provider that already holds your documents can release a held payment much faster.

Getting crypto received from abroad into INR with proper paperwork

An Indian business paid in stablecoin by an overseas customer needs rupees in its bank and a document showing the money came from abroad.

• Rupees - the converted payment is paid to your bank account.
• Document - we issue an eFIRA on every transaction, so your bank has the record.
• Check - ask any other provider what document it gives you at payout.

You can connect a crypto payment gateway in two ways: through its API for a custom checkout, or through a plugin, hosted page or payment button that needs little or no code.

Most crypto payment gateways offer both, so the right choice depends on the platform you sell on and how much control you want over the checkout.

Using a crypto payment gateway API for a custom checkout

An API suits you if you run your own app, a SaaS billing system or a marketplace where a store plugin will not fit. Most cryptocurrency payment gateway APIs follow the same four steps.

1. Create an invoice - your server sends the amount and currency to the API, and the gateway returns a payment address, a QR code or a link to its hosted payment page.
2. Show the payment - the customer pays from their wallet, either on your page or on the gateway's page after a redirect.
3. Listen for the webhook - the gateway posts each status change, such as paid, confirmed or expired, to a URL on your server.
4. Fulfil on the final status - ship the order or unlock access only when the gateway marks the payment complete or settled, never when it is first seen on the network.

Before you build, check that the provider gives you a test environment, payment status webhooks and a library in your language.

Four details decide whether a crypto payment integration holds up once real customers start paying.

• Rate-lock window - an invoice holds its price for a set time, as short as 10 minutes on NOWPayments' fixed-rate option and 60 minutes on CoinPayments, so your checkout must create a fresh invoice when one expires.
• Underpaid and overpaid payments - customers sometimes send too little or too much once network fees are counted, so decide in advance whether you ask for the balance, refund the extra or accept it.
• Refunds - a crypto refund is a new outgoing payment rather than a reversal, so build a refund step that asks the customer for a wallet address and records the amount sent back.
• Security - keep API keys on your server, never in the browser, and check each webhook's signature or call the API to confirm the status before you mark an order as paid.

For India-linked platforms whose customers pay B2B invoices in USDC or USDT, we provide APIs to create wallet addresses for your users and settle those payments into INR.

Plugins, hosted pages and payment buttons for your online store

If you sell through WooCommerce, Magento, WHMCS or another store platform, a plugin adds crypto to your checkout without writing code. Where no plugin fits, a hosted payment page or a payment link does the same job.

• Plugins - install the gateway's plugin, paste in your API key and choose your payout currency; the comparison table above lists the plugins each provider supports.
• Hosted pages and payment links - the customer pays on the gateway's own page and returns to your site, which suits B2B invoices. BitPay, CoinGate, NOWPayments, CoinPayments, Stripe, BTCPay Server and BVNK offer them.
• Payment buttons - paste a short code snippet on any web page to take a fixed-price payment or a donation. BitPay, NOWPayments, CoinPayments, Coinremitter and BTCPay Server offer buttons.

Whichever route you take, test one payment end to end, confirm the webhook updates the order and send one small live payment before opening crypto to every customer.

For the general setup on each store platform, see the guides on website payment integration, WooCommerce payment gateways and Shopify payment gateways.

Your monthly transaction volume affects cost, because most providers lower their rate as you grow. BitPay lists three fee brackets, which set the three bands here.

For the other providers, the guidance is general: a published flat rate suits small volumes, and an Enterprise rate on request suits large ones.

Get any figure in writing before you plan around it, and always check which currencies the provider pays out in.

Under USD 500,000 a month: low-fee and self-hosted options

At this size, CoinGate at 1%, NOWPayments from 1% and BTCPay Server at 0% list a lower headline rate than BitPay's 2% + 25c entry tier.

Choose BTCPay Server if you can self-host, and a hosted gateway if you cannot: a hosted gateway saves you the server work, and a self-hosted one saves you the fee.

Watch the small print as well as the headline rate, because minimum withdrawals and payout fees can matter more than the percentage at low volume.

USD 500,000 to 1 million a month: tiered pricing starts to help

BitPay's rate drops to 1.5% + 25c in this band, and CoinGate and NOWPayments both offer Enterprise terms on request. This is the point to ask each provider for a written quote.

BVNK's minimum of USD 500,000 a month also starts here.

Compare quotes on the same basis: the fee, the payout currency, the settlement schedule and any holds, so you are not comparing a rate with a bundle.

Above USD 1 million a month: enterprise terms and custom rates

BitPay's listed rate falls to 1% + 25c from USD 1 million, and CoinGate and NOWPayments quote custom rates, so the headline percentage is only the start of the conversation.

Negotiate on settlement currencies, support and holds as well as the headline percentage, and ask in writing how the provider handles a payout hold or an underpaid invoice. At this size, support and uptime matter as much as the fee.

Any volume, when the payout has to arrive in INR

If the money has to land in an Indian bank account with an eFIRA, payout currency comes before volume and fee. Providers that pay out in other currencies add a second conversion step to reach rupees.

• Second step - another conversion and another fee.
• Paperwork - your bank still needs a record of the inward payment.
• Fit - we cover invoice-backed USDC and USDT payments for platforms and businesses on our infrastructure.

Start with the payout you need, because that narrows the field fastest. Then decide whether you convert at once or keep crypto, and check the custody model against your risk tolerance.

• BitPay or CoinGate if you sell online in the US, UK or EU and want licensed bank settlement.
• NOWPayments if you need a wide coin list and bulk payouts.
• BTCPay Server if you can self-host and want to hold your own keys.
• Stripe or BVNK if you already use Stripe, or you move large volumes through one API.
• Xflow, if you are an India-linked business paid in USDC or USDT for B2B invoices and want rupees in your bank with an eFIRA.

Whichever you choose, test with a small payment first and keep your records ready for your bank.