In 2025, crypto payments will become essential as 75% of the merchants accept cryptocurrencies and 60% of Gen Z users prefer paying with digital assets. In upcoming years, the global crypto payment market is expected to exceed $6 billion. Also, it is because more consumers and businesses seek fast, low-cost, and borderless transactions.
For many startups, it becomes an opportunity; rather than accepting crypto payments, they can create their crypto payment gateways. Eventually, Industries like fintech, e-commerce, SaaS, and DeFi are starting their crypto payment processors. Also, it reduces relying on third parties, and cuts down the transaction cost. And it also creates a new revenue stream through wallets, APIs, and merchant services.
In this blog, let’s explore the top crypto payment gateways in 2025 and what makes the leading players unique, inspiring many budding entrepreneurs.
Best 10 Crypto Payment Gateways 2025
In 2026, cryptocurrency payment gateways will become a common tool that help people make fast, secure, and global payments. Here is a list of the leading cryptocurrency payment gateways. These companies have made a significant impact with their innovative features and money-making strategies.
- CoinPayments
- NOWpayments
- BitPay
- Coinbase Commerce
- CoinGate
- Boconomics
- PaymentCloud
- Stripe
- Shopify Crypto gateway
- SpicePay
1. CoinPayments – Multi-Coin Gateway For Global Merchants
CoinPayments is a well-known crypto payment processor that supports over 100 cryptocurrencies. It will continue to be recognized for this service.CoinPayments offers easy tools to accept digital currencies. Also, it has plugins for popular online shopping platforms like WooCommerce and Magento. This makes it simple for merchants to start accepting digital currencies and conducting transactions with minimal effort.
Additionally, some unique features include auto-converting coins into a local currency, a mobile wallet, and vaulting functions, which provide some nice usability for merchants. The flat fee of 0.5% is one of the lowest market rates available, making its offering enticing to price-sensitive businesses.
Unique Features of CoinPayments
- Accepts 100+ different cryptocurrencies
- All coin conversions for easy settlements
- Plugins available for major e-commerce platforms
- Vault feature for safe storage of crypto
- 0.5% low fee for high-volume merchants
Therefor, Startups can recreate CoinPayments by significantly improving crypto acceptance generally, modular integration, and merchant tools focused on the merchant. In addition to that, support for new tokens and adaptable APIs can provide your platform with the pathway to mass adoption.
Build Your Own Crypto Payment Gateway similar to CoinPayments Now >>> CoinPayments Clone Script
2. NOWPayments – Flexible, Non-Custodial Crypto Processor
NOWPayments is a non-custodial crypto gateway that supports 300+ cryptocurrencies, including stablecoins and altcoins. It is a platform tailored for businesses that want privacy, flexibility, and control. Also, it has some great features, including mass payouts, recurring billing, real-time conversions, and subscription models. Integration is easy with API’s, widgets, and donation buttons. The fees start at 0.5% and will increase slightly if you enable auto conversion.
Unique Features of NOWPayments
- Non-Custodial by Default; Custodial Option for Payouts
- Mass Payouts & Recurring Billing Support
- Donation Button & Widget Integration
- Real-Time Auto-Convert & Fiat Equivalent Pricing
Thus, this platform is a great example of developer-first design. Startups can look at what it implemented in its non-custodial design. Also, its ability to support a wide variety of crypto options, and its modular offering that can apply across multiple industries like SaaS, gaming, and charities.
Want to build your own Crypto Payment Gateway like NOWPayments at a cheaper cost >>> Crypto Payment Gateway Like NowPayments
3. BitPay – Enterprise-ready with Fiat Support
BitPay, established in 2011, is a reliable choice for businesses wishing to accept cryptocurrency payments. It offers a secure and regulated way to make these payments. Also, it works in over 38 countries and allows optional payment in regular currency. You can use it with a few types of crypto, including Bitcoin (BTC), Ethereum (ETH), and stablecoins. BitPay offers easy-to-use plugins for online stores, can create custom invoices, and provides a crypto debit card. Along with that, its enterprise features include strong identity verification, compliance with regulations, and tools to prevent fraud.
Unique Features of BitPay
- Fiat settlement in 38+ countries
- Open-source plugins supporting eCommerce
- The BitPay Card (a crypto debit card)
- Multi-user access and payroll functionality
- Secure 2-factor authentication and design for compliance first
BitPay illustrates the value of trust in regulation and reliability in enterprise. Likewise, Startups can build trust and credibility with their target market using documented, compliance-ready alternative bitcoin payment options. Also, with fiat off-ramp processes, and transparent payment practices, particularly for B2B use cases.
Try out our BitPay Clone Script to Kickstart your Crypto Payment Gateway Business >> BitPay-like Crypto Payment Gateway
4. Coinbase Commerce – Self-Custody Payments by Coinbase
Coinbase Commerce enables businesses to accept cryptocurrency payments directly into their own wallets. With the backing of the Coinbase exchange, there is a convenient and trusted-branded environment. Also, the platform is very easy to use, featuring email invoicing, minimal setup, and easy integration with Coinbase in order to convert crypto instantly. It supports BTC, ETH, DAI, USDC, and a few others.
Unique Features of Coinbase Commerce
- Direct integration to self-custody wallets
- Easy to create invoices and track payments
- Easily convert your crypto to cash using the Coinbase Exchange.
- Clean User Interface and minimal technical setup
- Non-custodial setup with exchange interoperability
Startups should learn from Coinbase’s simplified onboarding process and ability to leverage their brand. If your startup employs a low-friction approach and simple user flow to reduce friction, you can build trust even without offering the same library of coins.
Create Your Own Crypto Payment Gateway Venture similar to Coinbase Commerce Using >> Coinbase Commerce Clone Script
5. CoinGate – Crypto Payments with Fiat Settlement
CoinGate is a well-known payment processor and cryptocurrency trading platform in the EU, with support for crypto and fiat settlements across 100+ coins. Also, this Platform is an attractive option for online and offline stores because of its POS systems and mobile app that can generate instant invoices. Additionally, It includes everything a store needs to recover refunds and manage multiple users via its merchant dashboard.
Unique Features of CoinGate
- Mobile POS apps for payments in-store
- Crypto to fiat settlements (EUR, USD)
- Supports refunds and multi-user access
- Supports payment via the Lightning Network
- All tracks for European compliance
Therefore, CoinGate is an example of the value that comes from a hybrid payments and trading platform. Startups can replicate CoinGate’s approach to the mobile-first, regional focus on compliance, and traditional finance/crypto integration of a platform.
Get Our Exclusive CoinGate clone script to replicate your Dream Crypto Payment Gateway Business >> CoinGate Clone Script
6. Boconomics – Analytics-Powered Payment Gateway
Boconomics is a modernized platform that melds analytics with crypto payments. That is, a potent combination for data-driven businesses seeking to understand user behavior and performance while accepting crypto. Also, This platform has not achieved the same level of traction as many of the market players, but it is a highly innovative product.
Unique Features of Boconomics
- Combining transaction analytics + crypto payments
- Provides merchant-level business intelligence dashboards
- Backup custom payment reports and financial performance metrics
- API access to real-time transactional data
- Early-stage hybrid product ( analytics + gateway)
Eventually, startups can learn to differentiate by combining payments with analytics. Boconomics is proof that there is room to innovate by offering merchant crypto processing alongside real-time data intelligence and dashboard capabilities.
7. PaymentCloud – Crypto for High-Risk Businesses
PaymentCloud is a high-risk merchant service provider that also has its own crypto payment solution. Also, it services industries that traditional processors would deny: CBD, gambling, adult, etc. In addition to that, the onboarding process requires enhanced KYC and legal vetting. PaymentCloud customizes pricing based on risk and volume.
Unique Features of PaymentCloud
- Industry-specific in high-risk spaces (CBD, adult, gambling)
- Onboarding & custom pricing is risk-based
- Job-specific integration with multiple banking partners
- Full KYC and chargeback spectrum/broader picture
- Underwriting specialists for niche verticals
Eventually, providing a niche focus with high-risk markets can be a profitable entry point as well. Startups can distinguish themselves in underserved markets by creating a compliance-first gateway. While adding risk monitoring as well as different fee tiers per use case.
8. Stripe – Stablecoin-enabled Payment APIs
Stripe has embraced crypto capabilities by supporting USDC payments on selected blockchains. It provides crypto payouts, USDC stablecoin settlement, and wallets to platforms that likely already process fiat payments with Stripe. Also, stripe is known for its developer-friendliness and strong modular APIs while maintaining high reliability and scalability.
Unique Features of Stripe
- Support USDC stablecoin on Ethereum & Solana
- API-first architecture with modular integration
- Multichain support (selected blockchains)
- Used by enterprise customers on a scalable infrastructure
- Fiat + crypto hybrid capabilities on one platform
So, it also very much follows the approach of API-first, plug-and-play modules. Startup beginners should be laser-focused on clean documentation, SDKs, and integrations. That will make it easy for developers to build the custom payment flows they want through a quick checkout experience.
9. Shopify Crypto Gateway – Easy Crypto Checkout for Stores
Shopify provides crypto payments through integrations with third parties like BitPay and Coinbase Commerce. Also, this gives merchants the ability to switch crypto payments on at checkout, and they do not have to change their code, and the experiences for customers are the same. So, therefore, it’s an embedded crypto payment solution, rather than a fully native one.
Unique Features of Shopify Crypto Gateway
- Integrated third-party crypto gateways
- No-code setup for enabling crypto to checkout
- Sync with Shopify’s native checkout flow
- You can see if crypto payments are available in the dashboard.
- Ability to have multiple payments for each product.
Thus, this indicates the strength of crypto-as-a-service (CaaS). With that, startups will begin to do this with embedded crypto checkout inside of platforms, like CMS, marketplaces, etc., with no-code setups.
10. SpicePay – Simple Crypto Payments For Freelancers
SpicePay is a streamlined and secure cryptocurrency payment processor that supports small businesses and freelancers. Also, it supports the major cryptocurrencies, BTC, LTC, ETH, and BCH. And Payouts can be made through PayPal, SEPA, and wire transfers. Additionally, SpicePay prides itself on the simplicity of setup and low potential for fraud. It also offers an affiliate program and a small collection of plugins.
Unique Features of SpicePay
- PayPal, SEPA, and wire transfer payouts.
- Affiliate program for referral payouts.
- Quick set up and simple merchant control panel.
- No chargebacks or hidden fees.
- Basic crypto wallet functionality
So, Start lean, like SpicePay. That is, Focus on the core functionality, the simplest user interface to understand, and allow for the quickest withdrawals. Also, SpicePay is a good model for any startup that is resource-constrained and needs a defined channel focus.
By understanding their strengths and weaknesses, entrepreneurs can identify real opportunities to create a better, simpler, and more flexible crypto payment gateway. While it is easy to find existing gateways, building your infrastructure can lead to more control, better profit margins, and long-term success.
Now that you know the top players in the crypto payment gateway industry, you might be excited to start your own crypto payment platform. Right? But before you do, You should know…
Why Build Your Own Crypto Payment Gateway Platform?
Using third-party gateways simplifies crypto payments, but creating your own payment gateway offers greater control and revenue potential. Whether you’re a fintech founder, SaaS builder, or Web3 entrepreneur, a self-branded gateway allows you to meet user needs on your terms and monetize every transaction effectively.
Intent, Motivation & Business Model
Owning your payment gateway means you control the transaction infrastructure, allowing you to offer wallet access, crypto checkout, invoicing tools, and custom features tailored to user needs.
Monetization through Transaction Fees
Payment gateways like BitPay (1%) and CoinPayments (0.5%) generate substantial revenue with unique features. You can establish a fee structure—tiered, flat, or dynamic—to earn passive income from transaction fees.
Full Control of Wallets, Swaps & Payouts
With your gateway, you have complete control over wallets, token swaps, and withdrawal limits, enhancing user experience and maintaining brand integrity.
B2B Opportunity – Sell Services to Vendors
Your gateway can also serve other businesses by offering vendor dashboards, invoicing tools, integrations, or custom APIs, positioning you as a B2B SaaS provider in the crypto payment space.
Compliance Flexibility
Owning the system allows you to define compliance measures, including KYC/AML processes, and choose licensing partners, or opt for a non-custodial approach to ease regulatory compliance.
Niche Target (Gaming, Charities, SaaS)
Focus on specific sectors like gaming, charities, or SaaS, each with unique payment needs, allowing you to address their requirements directly.
Creating a cryptocurrency payment gateway can become a valuable strategic asset for your business. You gain monetization options, management of the platform, and the ability to service the markets identified with a payment solution that you own.
Are you ready to make your dream of a crypto business a reality? Then it is time to connect with professionals like us.
Build Your Dream Crypto Payment Gateway Platform!
Cost-effective, White-Label Solution, Premium Features, Customizable. Live Demo Available.
Connect with Coinsclone – Launch Your Dream Payment Gateway Today!
Coinsclone is a top-notch crypto payment gateway development company in the crypto industry. Our end-to-end, white-label solutions are also customizable to suit your business model. Also, we can help your business launch a payment gateway for retail, SaaS, gaming, and merchants globally.
In addition to that, Coinsclone helps you create a payment gateway solution. We offer wallet integrations, swap features, admin dashboards, and APIs. Also, our services also include security layers to ensure you meet the Payment Card Industry Security Standards (PCI DSS). You can count on us to help you find a way to build, launch, and scale your payment gateway!
Contact Coinsclone today to start building the infrastructure that drives the future of digital payments with your business.
Frequently Asked Questions
1. Which is the best crypto payment gateway?
Choosing the best crypto payment gateway depends on your goals. For businesses, BitPay offers flexibility and a variety of coins. Also, if you want low fees, consider NOWPayments. For a wide range of merchants and partners, check out CoinPayments.
2. Is it legal to launch a crypto payment gateway in India/EU/US?
Yes, it is legal to launch a crypto payment gateway in most places. However, rules differ. In the US and EU, you need a license and must follow KYC (Know Your Customer) and AML (Anti-Money Laundering) rules. In India, crypto is not illegal, but it’s a good idea to get legal advice to stay compliant with changing laws.
3. Can I earn revenue from my crypto payment platform?
Yes, you can earn money with a crypto payment platform in several ways. Also, you can charge transaction fees, provide wallet services, take conversion fees from fiat to crypto, offer subscriptions to your API, and create plans for onboarding merchants.
4. How long does it take to create a crypto Payment gateway?
Generally, Custom development usually takes 3 to 6 months, depending on how complex the platform is. And, If you use a white-label solution from Coinsclone, you can launch in a few weeks instead of months.