Top Cryptocurrency Payment Gateways In 2027

Last updated: November 2026

Quick answer: The top cryptocurrency payment gateways in 2027 are CoinGate for EU merchants that want a MiCA-licensed gateway with fiat payouts, BitPay for established merchants settling in local currency, BVNK and Triple-A for stablecoin checkout at scale, NOWPayments for the widest coin choice, PassimPay and B2BinPay for low-fee B2B volume, Coinbase Business for USDC in the US and Singapore, OpenNode for bitcoin and Lightning, and CoinPayments for small merchants wanting a long-running gateway.

This is the 2027 edition of our cryptocurrency payment gateways list, reordered for the shift toward stablecoin checkout.

Cryptocurrency Payment Gateways At A Glance

Gateway	Headquarters	Best for	Fees
CoinGate	Vilnius, Lithuania	EU merchants wanting a licensed gateway and fiat payouts	1% per payment (Standard)
BitPay	Atlanta, USA	Established merchants settling in local fiat	From 1% + 25¢ at volume
BVNK	London, UK	Large merchants moving stablecoins at scale	Custom
Triple-A	Singapore	Global brands taking stablecoins, settling in fiat	Custom
NOWPayments	Not published (ChangeNOW ecosystem)	Merchants wanting the widest coin choice	From 0.5%
PassimPay	Warsaw, Poland	B2B merchants needing low flat fees and EUR settlement	0.5% per payment
B2BinPay	Not published	High-volume merchants and brokers	Tiered, low percentage
Coinbase Business	United States	US and Singapore businesses taking USDC	Per-payment fee in account
OpenNode	United States	Bitcoin and Lightning merchants	Not published
CoinPayments	Panama and Jersey City, USA (entities)	Small merchants wanting a long-running gateway	From 0.5%

The Top Cryptocurrency Payment Gateways

1. CoinGate: MiCA-Licensed With Fiat Payouts

CoinGate offers crypto checkout with EUR, USD and GBP payouts under an EU license, a strong default for European merchants.

2. BitPay: The Long-Running Option

BitPay is one of the oldest crypto gateways, settling to merchants in several fiat currencies with fees that fall at volume.

3. BVNK: Stablecoin Infrastructure At Scale

BVNK provides stablecoin acceptance and fiat settlement for large merchants and platforms.

4. Triple-A: Licensed Stablecoin Checkout

Triple-A offers stablecoin and crypto checkout with local currency settlement, licensed in several regions including Singapore.

5. NOWPayments: Widest Coin Choice

NOWPayments supports hundreds of coins with auto-conversion, a fit for merchants whose customers hold many assets.

6. PassimPay: Flat Fees For B2B

PassimPay charges a flat 0.5% and settles in EUR by SEPA, with a named contact for mid-market merchants.

7. B2BinPay: High-Volume Merchants

B2BinPay offers tiered pricing that drops at volume, suited to brokers and high-volume merchants.

8. Coinbase Business: USDC Checkout

Coinbase Business supports USDC payments with accounting integrations for US and Singapore businesses.

9. OpenNode: Bitcoin And Lightning

OpenNode focuses on bitcoin and Lightning payments with settlement in several fiat currencies.

10. CoinPayments: Since 2013

CoinPayments has run since 2013 and suits small merchants wanting a familiar gateway with batch payouts.

How To Choose A Crypto Payment Gateway

Is it licensed where you sell?

In the EU, MiCA licensing now matters; elsewhere, check local registrations.

Which assets do customers use?

Stablecoins dominate payments; bitcoin-only and multi-coin gateways serve other niches.

How do you want to settle?

Choose fiat, stablecoin or crypto settlement based on your accounting and treasury.

What is the real cost?

Compare processing, conversion and payout fees together.

How We Evaluated

We compared gateways on licensing, fees, supported assets, settlement options and target merchants, using provider pricing pages and our 2026 research, updated for 2027. No company paid to appear on this list.

FAQ

What is the cheapest crypto payment gateway?

Low flat-fee gateways such as PassimPay and tiered options such as B2BinPay are often cheapest at volume; compare total costs.

Can I receive fiat instead of crypto?

Yes. Most gateways here can settle to your bank in fiat.

Do I need a license to accept crypto?

Merchants usually do not; the gateway carries the licensing.

What about ecommerce plugins?

See our list of crypto payment gateways for ecommerce.

Conclusion

Pick a gateway licensed where you sell, supporting the assets your customers use, and settling the way your finance team wants.