Top 12 Cryptocurrency Payment Processors in 2025

At Make An App Like, we specialize in guiding businesses through complex fintech and blockchain adoption. Over the years, our team has worked on crypto wallet integrations, exchange platforms, and custom payment gateway development for startups and enterprises worldwide. This hands-on experience gives us a unique vantage point to evaluate the top cryptocurrency payment processors in 2025. We’re not just listing names—we’ve built and analyzed the underlying technology, so our insights are grounded in real-world expertise and industry-tested knowledge.

Cryptocurrency payment processors enable businesses to accept digital currencies at checkout just like traditional methods. This is increasingly important as crypto adoption grows. In 2024, over 560 million people held crypto worldwide (Source). Notably, 65% of crypto owners want to spend crypto on goods and services. By integrating a crypto payment processor, merchants tap into this large user base, access new markets, and often benefit from faster settlements and lower fees compared to credit cards.

Key Benefits: Crypto payment gateways can reduce transaction fees, speed up international payments, and enhance security. For example, blockchain-based payments have fewer intermediaries and instant settlement, lowering fraud risk. These gateways also auto-convert crypto to fiat if desired, so businesses don’t need to hold volatile currencies. In short, accepting crypto payments can boost revenue and customer reach while managing risk.

Choosing the Right Processor: Important factors include supported coins, fees, API/plugins, and fiat settlement options. Many providers support dozens of cryptocurrencies and offer plugins for platforms like Shopify or WooCommerce. Others offer unique perks like crypto debit cards or cashback. Below are the leading cryptocurrency payment processors of 2025, with their pros, cons, and unique features.

Comparison of Top Crypto Processors

1. CoinsPaid (CryptoProcessing.com)

CoinsPaid’s CryptoProcessing platform leads the market, especially in gaming and eCommerce. In 2024 it processed over $700M per month, helping merchants save roughly 80% on crypto fees. The system supports 20+ popular coins and over 40 fiat currencies, with features like white-label integration and 24/7 support.

• Pros: Extremely low fees (about 0.4%), wide coin/fiat support, strong security (audited by Hacken). Robust API and developer help make integration smooth.
• Cons: More focused on high-volume merchants and gaming; smaller merchants may find it complex. Not as well-known outside crypto gaming.
• USP: Best for large-scale ops – boasts top-tier fraud checks and hands-on integration guidance. Leading industry experts praise its fee savings and reliability.

2. Stripe

Stripe is a global payment giant now embracing crypto. In 2024 Stripe added crypto payout options, reflecting its commitment to new tech. Merchants can use Stripe’s familiar API and dashboard, with fraud protection already built in. It now lets businesses accept crypto alongside cards in some regions.

• Pros: Developer-friendly with 450+ integrations; trusted name; it recently re-enabled crypto support so you can use one account for fiat and crypto. Known for fast setup and clear docs.
• Cons: Crypto functionality is relatively new and may have restrictions by country. Standard Stripe fees apply to crypto payments (variable, not disclosed).
• USP: Combines robust global e-commerce tools with crypto acceptance. Ideal for businesses already on Stripe wanting to add crypto.

3. PayPal (Cryptocurrency Acceptance)

PayPal is widely recognized and supports crypto use in its ecosystem. It lets users buy, sell, and spend crypto (Bitcoin, Ethereum, etc.) inside PayPal. In 2023 PayPal launched a USD-backed stablecoin, PayPal USD, to reduce volatility and make crypto spending smoother. Many online merchants effectively gain crypto-paying customers via PayPal’s checkout.

• Pros: Nearly 400 million active accounts means huge reach. Crypto payments are protected by PayPal’s security, and users earn crypto rewards. No extra setup needed for many stores that already use PayPal.
• Cons: Not a dedicated crypto gateway – you can’t withdraw crypto, only USD. Fees can be higher, and merchant features are limited compared to specialist crypto processors.
• USP: Ubiquity and trust. PayPal’s stablecoin and network let customers spend crypto almost anywhere, leveraging its existing checkout network.

4. BitPay

BitPay is one of the oldest crypto payment gateways (founded 2011). It processed over 600,000 crypto transactions in 2024 (Source), proving its scale. BitPay supports Bitcoin, Bitcoin Cash, Ethereum, and stablecoins (USD Coin, etc.), with settlements in USD/EUR/GBP.

• Pros: Well-established and reliable. Offers a crypto-issued debit card and multiple language support. Detailed reporting and analytics for merchants. Available worldwide and known for strong compliance.
• Cons: KYC is required for merchants. Supports fewer coins (focused on majors). Transactions settle only in a few fiat currencies (USD/EUR/GBP).
• USP: Combines crypto freedom with business-grade features. For example, BitPay provides a crypto Mastercard and invoice tools. Its long history means many integrations (Shopify, Magento, etc.) are plug-and-play.

5. Coinbase Commerce

Coinbase Commerce is Coinbase’s merchant product. It’s non-custodial (merchants hold their own crypto) and integrates easily with Shopify, WooCommerce, and more. Coinbase supports payments in Bitcoin, Ethereum, Litecoin, and Bitcoin Cash.

• Pros: Backed by a major exchange, so trust is high. Simple setup with hosted checkout pages. Supports standard coins and charges a flat ~1% fee.
• Cons: Limited coin support (unlike some gateways that do hundreds of tokens). Coinbase Commerce no longer accepts direct BTC onchain (focus is on ETH and ERC-20 tokens), which can confuse some users.
• USP: Seamless use for businesses already using Coinbase. Merchants can convert crypto to cash in one ecosystem, and get support through Coinbase.

6. B2BinPay

B2BinPay is an enterprise-grade solution, often used by crypto exchanges and brokers. It provides a secure wallet and supports dozens of cryptocurrencies (BTC, ETH, LTC, XRP, and more).

• Pros: High-performance, highly secure (2FA, cold storage). Offers mass payouts, built-in crypto exchange, and multi-account management. Competitive fees that can be negotiated for large volumes.
• Cons: Geared toward businesses rather than small shops. Onboarding can be complex. Not as many one-click plugins for small eCommerce platforms.
• USP: Broad integration options and crypto-to-crypto features. It excels where deep customization is needed. Ideal for fintechs needing to manage both payments and crypto treasury.

7. CoinPayments

CoinPayments is a veteran gateway (2013) trusted by thousands of merchants. It supports over 2,000 cryptocurrencies and provides auto-conversion and mobile wallets. According to industry reviews, it offers a multi-currency wallet plus plugins for platforms like Shopify and WooCommerce.

• Pros: Massive coin selection (200+ listed, including many altcoins). Low transaction fees (0.5% standard, dropping for volume). Auto-converts received crypto to a chosen coin to guard against volatility.
• Cons: The interface is a bit dated. Customer support can be hit-or-miss. In some countries, regulatory approval may be needed.
• USP: One-stop-shop for altcoin acceptance. Its auto-conversion feature helps merchants by instantly swapping payments into a reserve currency, reducing crypto risk.

8. CoinGate

CoinGate is a popular European payment gateway founded in 2014. It lets merchants accept 70+ cryptocurrencies and offers instant exchange to fiat (EUR/USD) to avoid price swings. CoinGate also provides crypto gift cards and point-of-sale tools for shops.

• Pros: Easy API and many plugins. Supports Bitcoin, Ethereum, Litecoin, and others (70+ total). Unique feature: merchants can choose to get paid in crypto or immediately convert to fiat.
• Cons: Standard fee of ~1%. The larger altcoin list is narrower than CoinPayments. Availability may be limited in some countries (check support list).
• USP: Balance of crypto and fiat options. CoinGate stands out with its gift card marketplace and the ability to pay out in local currency, which reduces volatility concerns.

9. SpicePay

SpicePay (formerly SpiceCoin) focuses on Bitcoin payments. Merchants receive payments in euros or dollars. A distinctive feature is easy payout via PayPal or EU bank transfers, bridging crypto and traditional finance.

• Pros: Seamless Bitcoin acceptance with fiat withdrawal. Good choice if your customers pay in BTC but you need euros. Good security, and user reports praise its reliability.
• Cons: Bitcoin-centric only (limited altcoins). Withdrawals can take 1–3 days via PayPal/SEPA. Transaction fees are higher for small payouts.
• USP: Smooth fiat off-ramp for crypto. Small businesses in Europe often use SpicePay to turn Bitcoin into cash quickly without complexity.

10. NOWPayments

NOWPayments is a developer-friendly, non-custodial gateway. It supports over 300 cryptocurrencies, including many ERC-20 tokens. Merchants can use its widget, API, or plugins, and can choose to receive funds in their preferred crypto or stablecoin.

• Pros: Huge coin variety (300+). No KYC needed for most merchants, so setup is fast. Competitive fees (~0.5%). Offers recurring payments and invoices.
• Cons: Relatively new compared to big brands. Fewer large merchant references. Some advanced features require developer work.
• USP: Flexibility and inclusivity. NOWPayments stands out for letting smaller businesses and creators accept crypto easily, with auto-conversion and stablecoin settlements if desired.

11. Crypto.com Pay

Crypto.com Pay is Crypto.com’s merchant solution. It charges no transaction fees for merchants, making it very attractive. Customers can pay using the Crypto.com App or other wallets (CRO token, Bitcoin, Ethereum, DOGE, USDC, etc.). Merchants get their funds in fiat currency and Crypto.com offers cashback rewards in CRO for customers.

• Pros: Zero fees for businesses. Large user base thanks to Crypto.com’s exchange and cards (over 50 million users). Easy integration via widgets and APIs.
• Cons: Mostly mainstream coins (currently ~5 supported), so not for obscure tokens. Payouts require using Crypto.com’s platform to convert to cash.
• USP: High customer engagement. Crypto.com Pay incentivizes spending by giving CRO token rewards. For example, customers can save up to 4% on orders using CRO, which can boost sales.

12. ALFAcoins

ALFAcoins is a Switzerland-based gateway known for its simplicity. It supports major coins (Bitcoin, Ethereum, Litecoin, etc.) and offers an instant conversion feature. ALFAcoins lets businesses of any size plug in crypto payments with minimal fuss.

• Pros: Intuitive dashboard and easy setup. Fast crypto–fiat conversion helps merchants avoid volatility. Supports subscriptions and recurring billing.
• Cons: Smaller company with less global brand recognition. Fewer coins and currencies than giants like CoinPayments or Coinbase.
• USP: Its customization and support. ALFAcoins provides a multi-currency wallet and quick payments that integrate smoothly with existing systems. Good for startups that want straightforward crypto acceptance.

In summary, 2025’s best cryptocurrency payment processors range from big names like BitPay and Coinbase to niche specialists like Crypto.com Pay and SpicePay. Each has its own strengths – some offer broader coin support, others integrate tightly with existing finance. The right choice depends on your target market and technical needs. By comparing fees, supported currencies, and user reviews (as above), businesses can pick a leading crypto payment processor that fits their strategy.