Compare stablecoin & crypto payment gateways for small business
12 gateways compared on fees, custody, payout to bank, supported coins and countries. Every fact links to the provider's own page. Last checked 2026-10-16. Where a provider doesn't publish a fee, we say so.
Some links may be affiliate or referral links. Rankings and data are not changed by payments. Disclosure.
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| Gateway | Merchant fee | Custody | Payout to bank | Coins | Best for |
|---|---|---|---|---|---|
| Stripe stablecoin payments | 1.5% (pricing page); page also lists 0.8% promotional rate through Jan 1, 2027 | Custodial: settles to your Stripe balance | Yes, settles in local currency in Stripe balance | USDC (Tempo, Ethereum, Solana, Polygon, Base); USDP, USDG (US-only) | Businesses already on Stripe who want USDC at checkout with dollars in the bank |
| Shopify Payments (USDC) | Not published as a separate USDC rate; Shopify says merchants may earn credits on USDC transactions | Custodial (Shopify Payments) | Yes, via Shopify Payments payouts, or to a USDC balance | USDC | Shopify stores that want one-click USDC with no extra integration |
| PayPal Pay with Crypto | 0.99% promotional, then 1.5% (PayPal pages disagree on end date: Jul 31, 2026 vs Jul 31, 2027) | Custodial; settles in USD | Yes, settles in USD to PayPal balance | Not published on pages checked | US merchants already using PayPal checkout |
| CoinGate | 1% per transaction (Standard); custom for Enterprise | Custodial; balance held until settlement | Yes, SEPA withdrawals 0.25 EUR + 0.1%; settle in EUR, GBP, USD or crypto | 10+ cryptocurrencies | EU/UK small businesses and e-commerce plugins (WooCommerce, PrestaShop, WHMCS) |
| NOWPayments | 1% service fee (headline); network fees extra | Custodial and non-custodial options (Not published detail on pricing page) | Not published on pricing page | 350+ currencies | Businesses wanting the widest coin selection |
| BitPay | Tiered by monthly volume; rates not shown in the page text we retrieved | Custodial | Yes, daily fiat settlements to your bank | Not published on pricing page | Established merchants wanting daily bank settlement and strong compliance |
| Coinbase Business (formerly Commerce) | Not published publicly: "log into your account to view current fees" | Custodial business account | Yes, convert to USD and withdraw to bank (auto-conversion fee applies) | 200+ assets; USDC focus | US startups that also want to hold and earn on USDC |
| Cryptomus | Not published on pages we checked | Custodial | Not published | Not published | Online businesses wanting a stablecoin-first gateway with referral perks |
| Triple-A | Not published (enterprise sales) | Licensed; settles in local currency, merchant never holds crypto | Yes, local-currency settlement | Stablecoins and digital currencies | Larger e-commerce, travel and gaming merchants |
| BTCPay Server | 0% (free, open-source, self-hosted); hosting and network fees are yours | Non-custodial: funds go to your own wallet | No built-in bank payout | Bitcoin (plus plugins) | Technical owners who want zero fees and full control |
| OpenNode | Not clearly stated; page example shows 99.00 received per 100 (implies ~1%). Conversion free; on-demand on-chain wallet withdrawal 1% | Custodial with optional auto-conversion | Yes, daily scheduled bank transfers (next business day) | Bitcoin (on-chain and Lightning) | Bitcoin/Lightning acceptance with automatic fiat conversion |
| Strike Business | Merchant fees not published (terms say fees are confidential); BTC trading 0.89%–0.25% by volume | Custodial business account | Yes, settle to USD | Bitcoin (on-chain and Lightning) | Bitcoin-friendly businesses wanting instant USD settlement and a Shopify app |
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