The best stablecoin payment gateway takes USDT and USDC on the chains your customers already use, converts or holds them on your terms, and gets money to a bank account. Licensing and settlement options separate the serious platforms from wallet tools.
We judged each provider on which stablecoins and networks it supports, whether it auto converts volatile coins into stablecoins, how it handles stablecoin payouts and treasury, how money reaches a bank, and how clearly it publishes fees and licences. Facts come from each provider’s own site and documentation; where a figure is not published, we say so.
Regulated merchants wanting local currency settlement
Custom pricing, not published
PassimPay
Poland
Merchants wanting low flat fees and stablecoin conversion
0.5% per payment, 0.2% auto conversion
Coinbase Business
United States
US and Singapore businesses standardizing on USDC
Per payment fee shown in account
Circle Mint
New York, US
Institutions moving large USDC volumes
Custom pricing, not published
B2BinPay
Not published (licensed in El Salvador and Mauritius)
High volume USDT acceptance
0.40% falling to 0.25% by volume
NOWPayments
Saint Vincent and the Grenadines (Tallinn office)
Small merchants wanting wide coin coverage
From 1%, volume discounts
Mesh
San Francisco, US
Merchants targeting exchange account holders
Custom pricing, not published
Request Finance
Paris, France
B2B invoicing and vendor payments in stablecoins
Plans from $50 a month
Best Stablecoin Payment Gateways In 2026
1. BVNK — Licensed Stablecoin Accounts With Named Virtual IBANs
BVNK is a London based stablecoin infrastructure company that has been part of Mastercard since August 2026. Businesses accept stablecoins through hosted payment pages, payment links or an API, then convert automatically into USD, EUR or GBP paid into named virtual IBANs, or keep balances in stablecoins.
For stablecoin payments at scale, its edge is licensing: more than 40 licences and registrations across the UK, EU and US, including FCA and Malta e-money licences and US money transmitter licences. Its help center lists networks including Tron, Ethereum, Solana, Polygon, BNB Chain, and USDC on Arbitrum and Base. BVNK only onboards businesses processing at least $500,000 a month with six months of trading history.
What stands out:
Automatic conversion into USD, EUR or GBP
More than 40 licences across the UK, EU and US
Unique deposit addresses per customer for reconciliation
Best for: Merchants and platforms moving over $500,000 a month that want stablecoin acceptance with bank settlement.
Pricing: Custom pricing, not published.
2. Bridge — Stripe Owned Stablecoin Orchestration And Issuance API
Bridge was co-founded in 2022 by Zach Abrams and acquired by Stripe in a $1.1 billion deal that closed in February 2025. It is a stablecoin payment platform for developers: one API to move, store and accept stablecoins, with on-ramps, off-ramps and crypto to crypto transfers. A business can accept USD, USDC, USDT or other stablecoins and settle in its own stablecoin or Bridge’s.
Virtual accounts take deposits in USD, EUR, GBP, MXN and more. Wallets handle custody and gas at scale, cards let a platform issue stablecoin backed cards, and the issuance product launches a branded stablecoin. For a fintech building stablecoin rails into its own app, Bridge is one of the most complete options.
What stands out:
Accepts USDC, USDT and other stablecoins, settles in your choice
Virtual accounts in USD, EUR, GBP and MXN
Branded stablecoin issuance
Best for: Fintechs and platforms building stablecoin accounts, cards or transfers into their own product.
Pricing: Custom pricing, not published.
3. Triple-A — MAS Licensed Gateway Settling Stablecoins In Local Currency
Triple-A was incorporated in Singapore in 2020 and holds a Major Payment Institution licence from the Monetary Authority of Singapore, plus a French payment institution licence (ACPR) with AMF CASP registration, US money transmitter licences and Canadian FINTRAC registration. It reports more than 1,000 enterprise clients.
Its support center lists USDT on Ethereum, Tron, Polygon, Arbitrum and Solana, USDC on Ethereum, Polygon, Arbitrum and Solana, and PYUSD on Ethereum. Merchants take payment through checkout, links or invoices and settle in local currency, so they never hold digital assets on the balance sheet. Multicurrency accounts with a named IBAN can settle in stablecoins or fiat, and stablecoin payouts run 24/7.
What stands out:
USDT on five networks including Tron and Solana
Settlement in local currency so the merchant never holds crypto
Licences in Singapore, France, the US and Canada
Best for: Regulated merchants that accept USDT and USDC but book revenue in local currency.
Pricing: Custom pricing, not published.
4. PassimPay — Flat 0.5% Gateway With Auto Conversion To Stablecoins
PassimPay is a B2B crypto payment gateway founded in 2022 and operated by PASSIMPAY GLOBAL sp. z o.o. in Poland, with a money services business registration with Canada’s FINTRAC. It supports more than 70 coins, and its stablecoin list is broader than most: USDT, USDC, PYUSD, DAI, Global Dollar (USDG) and liquidUSD, on networks including Tron, Ethereum, Solana, Polygon, Arbitrum and BNB Chain.
Its strongest fit here is auto conversion: any incoming coin can be converted into the stablecoin you choose, on amounts and timing you set, so a Bitcoin payment does not leave you exposed to price swings. Legal entities can settle crypto to EUR over SEPA. Integration runs through a REST API, plugins for WooCommerce, Shopify, Magento, PrestaShop and WHMCS, invoices and payment links. Every client gets a dedicated account manager, and KYC and AML checks apply to all users.
What stands out:
Six stablecoins supported, including PYUSD and USDG
Configurable auto conversion into stablecoins at 0.2%
Crypto to EUR settlement over SEPA for legal entities
Best for: Online merchants that want a flat published rate, a wide stablecoin list and automatic conversion into USDT or USDC.
Pricing: 0.5% on accepted payments, 0.2% for automatic conversion. Registration and account maintenance are free.
5. Coinbase Business — USDC Checkout, Payment Links And Payouts On Base
Coinbase Business is Coinbase’s account for companies in the US and Singapore. It adds crypto to an existing checkout, sends invoices and payment links, and collects USDC from hundreds of wallets including the Base app, MetaMask and Phantom. Payments on Base settle in under a second, with no network fees on payment links.
For USDC payments, the value is what happens after money arrives. Idle USDC earns rewards (3.60% APY on the site, subject to change), balances can auto convert to USD for a fee, and payouts go to a wallet, ENS name or email address, free on Base, Polygon, Optimism and Arbitrum. It is USDC first, so merchants whose customers hold USDT on Tron will need another option.
What stands out:
Sub second USDC settlement on Base
Rewards on idle USDC balances
Free USDC payouts on Base, Polygon, Optimism and Arbitrum
Best for: US and Singapore businesses that want to accept and hold USDC.
Pricing: A per payment fee shown in the account, plus a fee for USD conversion. Not published on the public site.
6. Circle Mint — Direct USDC And EURC Minting And Redemption For Institutions
Circle, headquartered in New York, issues USDC and EURC. Circle Mint is its institutional account: a business wires fiat and mints USDC or EURC 1:1, redeems back 1:1, converts between the two, and sends funds to wallets worldwide around the clock. It covers more than 185 countries but is open only to vetted institutions such as exchanges, wallet providers and banks.
Mint is not a checkout; it sits underneath one, giving a company that receives large stablecoin volumes a direct route to treasury and fiat. Automatic sweeps from a USDC balance to a bank account handle the off-ramp. Circle also runs the Circle Payments Network (labeled Beta), linking more than 175 financial institutions for cross-border settlement in USDC and EURC.
What stands out:
1:1 mint and redemption from the issuer
USDC and EURC conversion
Automatic sweeps to a bank account
Best for: Payment companies and exchanges needing direct issuer access to USDC.
Pricing: Custom pricing, not published.
7. B2BinPay — Volume Tiered Processing With USDT On Nine Chains
B2BinPay, led by founder and CEO Arthur Azizov, is a crypto processing and wallet platform supporting more than 350 digital currencies. It names USDT and USDC, with USDT available on nine blockchains, and lists networks including Tron, Ethereum, Solana, Base, Optimism, Stellar and TON.
Its pricing is among the clearest here: incoming payments cost 0.40% up to $1 million a month, stepping down to 0.25% above $5 million, and outgoing payments carry no processing fee. B2BinPay is registered as a digital asset service provider in El Salvador and as a VASP with Mauritius’s Financial Services Commission.
What stands out:
USDT supported on nine blockchains
Published volume tiers down to 0.25%
No processing fee on outgoing payments
Best for: Brokers and high volume merchants whose customers pay in USDT across several networks.
Pricing: Incoming 0.40% up to $1M a month, 0.35% to $3M, 0.30% to $5M, 0.25% above. Outgoing processing free.
8. NOWPayments — Non Custodial Gateway With 350+ Coins And Auto Conversion
NOWPayments was launched in 2019 by the team behind ChangeNOW and is operated by FD Transfers LLC, registered in Saint Vincent and the Grenadines, with a postal address in Tallinn. It lists more than 350 cryptocurrencies, with dedicated USDT and USDC payment pages, plus an API, plugins and invoices.
Its stablecoin case rests on conversion: incoming coins auto convert through ChangeNOW, so a merchant can take almost anything and hold USDT or USDC. Custody, fiat off-ramp and mass payouts sit on the same account. Merchants needing licensed fiat settlement in Europe or the US will find more regulatory depth elsewhere on this list.
What stands out:
More than 350 coins accepted and convertible to stablecoins
Custody and mass payouts on the same account
Quick setup with plugins and invoices
Best for: Small and mid sized merchants that want to accept many coins and consolidate into stablecoins.
Pricing: Service fee from 1%, with loyalty discounts and enterprise pricing on request. Network fees are extra.
9. Mesh — Pay From 300+ Exchanges And Wallets, Settle In Stablecoins
Mesh (Mesh Connect Inc.) is a San Francisco company founded in 2020 that connects to more than 300 exchanges and wallets, including Coinbase, Binance and MetaMask. Customers pay straight from a linked exchange account or wallet instead of copying an address and picking a network, which cuts wrong network and wrong amount errors.
Merchants settle in stablecoins or local currency, with more than 100 tokens supported. PayPal Ventures invested in Mesh using PayPal USD.
What stands out:
Direct payment from more than 300 exchanges and wallets
Settlement in stablecoins or local currency
Fewer failed transactions from wrong address or network
Best for: Merchants whose customers hold crypto on large exchanges.
Pricing: Custom pricing, not published.
10. Request Finance — Stablecoin Invoicing, Bill Pay And Treasury For Finance Teams
Request Finance is a Paris based company founded in 2021 that approaches stablecoins from the finance team’s side. Companies issue invoices payable in fiat or stablecoins, set approval policies, and pay vendors in USDC or USDT. Virtual IBANs and SWIFT cover more than 25 currencies and payments to more than 190 countries.
Payments are accepted in USDC, USDT or DAI on Ethereum, Polygon, Avalanche and BNB Chain. Stablecoin payouts are free on every plan, and bank off-ramps cost 0.5% to 1%. It holds SOC 2 Type 1 certification and runs KYB on activation. It is not a retail checkout, but it covers B2B acceptance, approvals and treasury in one place.
What stands out:
Invoices payable in fiat or stablecoins
Free stablecoin payouts on every plan
Approval policies and SOC 2 Type 1 certification
Best for: B2B companies that invoice clients and pay vendors in stablecoins.
Pricing: Free invoicing plan; Starter $50, Growth $300, Pro $600 a month; Enterprise on request. Bank off-ramp 0.5% to 1% plus a per transfer fee.
How To Choose A Stablecoin Payment Gateway
Which Stablecoins And Chains Do Your Customers Use?
Start with your customers, not the coin count. Much USDT moves on Tron because transfers are cheap, while USDC payments increasingly run on Base, Solana and Polygon. A USDT payment gateway that only takes USDT on Ethereum will cost customers far more in gas. Check exact token and network pairs.
Do You Want To Hold Stablecoins Or Convert To Fiat?
Some businesses keep a USDC or USDT treasury; others want dollars or euros the same day. BVNK and Triple-A are built for fiat settlement into named bank accounts, while PassimPay and NOWPayments focus on converting volatile coins into stablecoins. Decide which model your finance team prefers before comparing fees.
How Does The Gateway Handle Volatile Coins?
If you also accept Bitcoin or Ether, auto conversion protects you from price moves before settlement. Check whether conversion is automatic, whether you can set thresholds and timing, and what it costs on top of processing.
What Licences Does The Provider Hold?
Licensing affects who can use the service and which banks will accept your settlements. Look for named entities and registration numbers (MAS, FCA, ACPR, FinCEN, FINTRAC) rather than general compliance claims. A stablecoin payment platform without a clear operating entity is a risk for any audited business.
Are Fees Published Or Negotiated?
Published rates, such as B2BinPay’s tiers, PassimPay’s flat 0.5% or Request Finance’s plans, make costs easy to model. Enterprise providers negotiate. Ask about network, conversion, payout and off-ramp fees separately.
Can It Pay Out As Well As Collect?
Refunds, affiliate commissions and supplier invoices all need outbound transfers. A gateway with built in stablecoin payouts on the same balance avoids shuffling funds between providers.
Conclusion
For high volume merchants that want fiat in the bank, BVNK and Triple-A lead on licensing and settlement. Bridge and Circle Mint are the strongest foundations for platforms building their own stablecoin products. PassimPay, B2BinPay and NOWPayments suit online businesses that want published pricing, wide network coverage and automatic conversion into USDT or USDC.
Whichever stablecoin payment gateway you shortlist, test a real payment on your customers’ most used network, confirm the full fee chain to your bank account, and check the operating entity before you go live.
