Best Crypto Payment Gateways in 2025

A cryptocurrency payment gateway is a service that enables merchants and e-commerce platforms to accept digital assets by providing APIs, SDKs, and plugins for seamless integration with online stores and point-of-sale (POS) systems. It handles wallet connections, multi-currency processing, fiat conversion, and liquidity management while offering instant transactions, low fees, settlement options, volatility protection, and chargeback-resistant payments, all with security measures like encryption, custodial or non-custodial custody choices, compliance and KYC support, fraud prevention, cross-border settlements, and scalability.

NOWPayments is the top payment gateway provider on our list because it combines the flexibility merchants need with robust crypto payment solutions. As a leading cryptocurrency payment processor and payment service provider, NOWPayments enables businesses to accept many crypto assets, including stablecoin payment options, and integrates seamlessly with popular crypto wallets and crypto exchanges to simplify crypto payment processing and improve the overall payment experience. The gateway provides easy-to-use payment links, developer-friendly APIs, and the kinds of merchant tools that help merchants accept crypto payments quickly.

In 2025, choosing the best crypto payment gateway matters because merchants need reliable payment processing that supports multi-currency and stablecoin settlements, offers low fees, instant settlement, and fiat conversion, integrates easily via APIs and plugins with e-commerce platforms and POS systems, and delivers robust security through on-chain verification, custody options (custodial and non-custodial), KYC/AML compliance, and chargeback protection.

Additionally, top providers enable cross-border transactions, scalability for high-volume sales, developer-friendly tools, analytics and invoicing, support for networks like Lightning Network and various blockchains, and a seamless user experience that drives merchant adoption and protects revenue.

To assist businesses in making an informed decision, here are some of the top crypto payment gateways to consider:

1. NOWPayments
2. BitPay
3. ForumPay
4. Cryptomus
5. MoonPay

NOWPayments

NOWPayments is the best crypto payment gateway that allows businesses to accept cryptocurrency payments globally and instantly send funds to their wallets without a middleman holding them. It supports hundreds of cryptocurrencies, offers low service fees, and integrates easily via API, plugins, invoices, or payment buttons for merchants of all sizes. The platform also includes tools for fiat conversion and withdrawals, helping companies settle in traditional currencies if needed. This flexibility and broad feature set make NOWPayments one of the best crypto payment gateways available today.

Recurring Payments. NOWPayments allows businesses to set up automated subscription billing in crypto, meaning customers are charged on a schedule without manual intervention. Merchants can customize plans with pricing, duration, and intervals, making it suitable for SaaS, streaming, or membership models. Once set up, the system collects payments and routes funds straight to the merchant’s wallet with minimal effort. This removes the hassle of chasing monthly payments and helps smooth cash flow for subscription-based businesses.

Autoconversion. NOWPayments can automatically convert customer payments from any supported crypto into the merchant’s preferred coin. That means if someone pays in a coin you don’t want to hold, NOWPayments will handle the swap behind the scenes and send you the asset you chose. This feature helps reduce exposure to volatile assets and simplifies accounting by consolidating receipts into one currency. Automatic conversion also increases customer flexibility, letting them pay in many different cryptocurrencies without merchant confusion.

Transaction Speed. NOWPayments processes crypto payments directly on the blockchain, often completing confirmations in a few minutes, depending on network conditions. As it’s non-custodial, funds aren’t held up in a third-party account, they go straight to the merchant’s wallet quickly. In many cases, the average time from customer payment to settlement is under five minutes, though this varies by crypto network. This relatively fast turnaround is a big advantage over legacy payment systems that can take days to settle.

Reasons NOWPayments is the Best Crypto Payment Gateway

NOWPayments is widely recognized as a leading crypto payment gateway, valued for its low fees, rapid transaction speeds, and high customer satisfaction. With a competitive rate of just 0.5% for standard transactions, it offers businesses a more affordable option compared to traditional payment methods. Its quick processing time, with funds typically settled in under three minutes, ensures fast access to capital, boosting operational efficiency. Praised for its user-friendly features and top-notch customer support, NOWPayments holds a strong 4.4-star rating on Trustpilot and is regarded as one of the fastest payment solutions available.

BitPay

BitPay is a long‑standing crypto payment gateway that helps businesses accept cryptocurrency payments online, in person, or via email by converting those payments into fiat or selected digital assets. It’s one of the earliest and most widely used gateways, serving merchants worldwide with support for 100+ cryptocurrencies and integration options across major e‑commerce platforms. The company’s core business revolves around simplifying crypto acceptance for businesses, reducing fraud and chargebacks while giving merchants access to a growing crypto‑using customer base. Because of this reliability and global reach, BitPay is often considered one of the best crypto payment gateways available. 

Recurring Payments. BitPay supports recurring payments and subscription billing features that allow merchants to bill customers automatically over time. This is useful for services or products that require regular crypto‑based billing without manual invoicing every period. Merchants can set up payment schedules so clients’ wallets are charged at designated intervals, streamlining revenue collection. Recurring billing reduces administrative load and improves customer retention for subscription‑based businesses. 

Autoconversion. BitPay offers automatic conversion of received cryptocurrency into fiat (or chosen settlement currency), protecting merchants from market volatility and simplifying accounting. When a customer pays in crypto, BitPay can instantly convert it to dollars, euros, or other fiat options so the business receives a stable value. This prevents price fluctuations between the moment of payment and settlement, shielding the merchant’s revenue. Autoconversion improves predictability in cash flow for companies that don’t want to hold volatile crypto assets. 

Transaction Speed. BitPay processes crypto transactions quickly by leveraging direct blockchain confirmations and efficient payment flows. Once a customer submits a payment, the transaction is broadcast and confirmed on the network without unnecessary delays, meaning merchants get paid and settled faster. While actual timing can vary by blockchain network, BitPay’s implementation aims for minimal latency between payment and receipt. Faster transaction speeds enhance the checkout experience and help businesses manage cash flow more effectively than slower traditional systems.

ForumPay

ForumPay is a global crypto payment gateway that helps businesses accept cryptocurrency payments from virtually any digital wallet and then quickly convert those payments into the merchant’s chosen fiat currency, simplifying crypto acceptance for online shops, apps, and in‑store purchases. It focuses on turning blockchain transactions into everyday payments that settle directly into a business’s bank account while removing the complexity of handling crypto holdings or exchange integration yourself. The core business revolves around providing secure, fast, and flexible payment processing that bridges the gap between crypto users and merchants worldwide, making it easier for companies to tap into digital‑asset spending demand. Because of this full‑service approach and broad compatibility, many merchants view ForumPay as one of the best crypto payment gateways available. 

Recurring Payments. ForumPay’s subscription billing features allow merchants to set up recurring crypto payments for services like memberships, gaming, apps, and streaming platforms, so customers are billed automatically on a defined cycle. Merchants can manage subscription parameters, see real‑time status, and automate renewals without manual invoicing or follow‑ups. This makes it easier to run subscription‑based businesses that want to accept crypto without hassles. By supporting recurring billing directly through its merchant dashboard or API, ForumPay boosts customer retention and simplifies revenue collection. 

Autoconversion. ForumPay instantly converts incoming cryptocurrency payments into the merchant’s preferred fiat currency the moment a transaction occurs, eliminating exposure to crypto volatility. This automatic conversion happens without merchants needing to interact with exchanges or worry about price swings between payment and settlement. It ensures businesses receive stable fiat income rather than unpredictable digital assets. This feature reduces financial risk and integrates crypto payments into traditional accounting and cash‑flow systems with minimal friction. 

Transaction Speed. ForumPay processes transactions rapidly by supporting zero‑confirmation payments and providing a 5‑minute payment window for customers to complete their payment before settlement is finalized. Merchants can accept crypto payments almost instantly thanks to this quick approval mechanism and auto‑conversion into fiat, enabling funds to be reflected in their accounts without long delays. The fast transaction experience rivals traditional card payment settlement speeds, enhancing the checkout flow. Because of this efficiency, merchants can improve cash flow and reduce waiting time compared to legacy payment solutions.

Cryptomus

Cryptomus is a modern crypto payment gateway designed to help businesses accept cryptocurrency payments easily, with tools to generate invoices, integrate via API or plugins, and manage funds through a single business wallet. The company’s core activity centers on simplifying digital payments worldwide, providing merchants with infrastructure to receive crypto, convert assets automatically, and settle transactions without complex setups. Cryptomus supports a wide range of tokens (from major coins to popular altcoins) and offers services like volatility protection and automated conversion to stable assets to shield merchants from price swings. Because of this combination of flexibility and straightforward merchant experience, many view Cryptomus as one of the best gateways for crypto‑enabled commerce. 

Recurring Payments. Cryptomus lets businesses set up recurring crypto payments that automatically bill customers on a defined schedule, streamlining subscription or membership income. Merchants create a plan once, and the system deducts payments from customers according to the agreed frequency without repeated manual intervention. This feature helps businesses maintain predictable revenue and improve customer retention by removing repeated checkout hassles. By automating repeat billing, merchants can focus on growth instead of chasing payments. 

Autoconversion. Cryptomus includes automatic conversion of incoming crypto payments into a merchant’s preferred stablecoin or currency, protecting businesses from volatile price swings. The auto‑convert feature works behind the scenes, instantly stabilizing revenue so companies don’t need to manually trade assets or worry about market dips after a payment arrives. This protects cash flow and makes accounting simpler by giving merchants predictable values rather than fluctuating crypto balances. It’s especially useful in markets where price swings can erase margin if payments are held as volatile tokens. 

Transaction Speed. Cryptomus processes crypto payments rapidly, typically finalizing and settling transactions within a few minutes once submitted by the customer. This quick turnaround means funds are reflected in the merchant’s system fast, improving cash flow and customer experience at checkout. Fast transaction processing also cuts waiting time compared to legacy banking or card settlement systems that can take days. For merchants, this speed enhances operational efficiency and reduces uncertainty around when payments are completed.

MoonPay

MoonPay is a crypto payment gateway, offering businesses a reliable and versatile platform to accept crypto payments globally. As a leading crypto payment processor, MoonPay enables businesses to integrate crypto payment infrastructure seamlessly, making it easier for merchants to manage crypto transactions. The company’s services cater to both seasoned businesses and those new to crypto, providing a trusted gateway to start accepting crypto payments. With a focus on simplifying digital payments, MoonPay provides an intuitive solution for converting crypto into fiat or holding crypto assets, opening up a world of benefits for businesses.

Recurring Payments. MoonPay supports recurring payments, allowing merchants to automate billing cycles and set up subscription-based models for their services. This feature is especially beneficial for businesses that offer memberships, streaming services, or subscription products, as it reduces the need for manual invoicing. By providing recurring billing through crypto, businesses can offer customers the flexibility to pay with digital assets without disruption. The recurring payments feature helps businesses generate predictable revenue while reducing administrative overhead.

Autoconversion. With MoonPay’s auto-conversion feature, businesses can automatically convert crypto payments into their preferred fiat currency or stablecoins. This ensures that businesses can manage crypto payments without worrying about price fluctuations in the volatile crypto market. The ability to instantly convert crypto into fiat streamlines accounting and protects merchants from potential losses due to market volatility. By offering a simple way to manage crypto assets, MoonPay helps businesses stay focused on growth while handling the complexity of crypto payments.

Transaction Speed. MoonPay processes crypto payments quickly, with transactions typically settled within a few minutes. This rapid processing time allows businesses to enjoy near-instant access to funds, improving cash flow and enhancing the overall customer experience. By utilizing fast and reliable payment rails, MoonPay ensures that payments are processed without unnecessary delays. The fast transaction speed makes MoonPay one of the most efficient crypto payment gateways available, providing merchants with the ability to accept global crypto payments without the long waiting periods typically associated with traditional payment methods.

Conclusion

We’ve explored the top five crypto payment gateways, highlighting their features and how they serve businesses looking to tap into the growing global crypto market. The platforms discussed, such as NOWPayments, BitPay, ForumPay, Cryptomus, and MoonPay, each provide unique solutions for businesses to start accepting crypto payments, manage crypto assets, and seamlessly integrate with their existing payment infrastructure.

Among these, NOWPayments stands out as the best crypto payment gateway, offering a reliable crypto payment processor with a wide range of crypto support, instant autoconversion to fiat, and fast transaction speeds, making it an ideal choice for both businesses new to crypto and established merchants looking for a versatile payment gateway provider. With its ability to convert crypto quickly, manage crypto payments without hassle, and provide a global cryptocurrency payment platform, NOWPayments ensures businesses can make crypto payments as easily as traditional payment methods.

As a trusted crypto payment platform, NOWPayments empowers businesses to choose the best crypto for their needs, ensuring crypto users can pay with confidence, whether through payment buttons or crypto checkout. With these benefits, NOWPayments positions itself as the leading crypto payment gateway and a top crypto payment gateway provider, making it the optimal solution for businesses looking to embrace the future of crypto payments in 2025 and beyond.