Top Crypto Payment Gateways and Processors for Businesses

Unlock the future of online transactions by integrating cryptocurrency payments into your self-hosted e-commerce ecosystem. As digital currencies gain mainstream adoption, offering crypto payments is no longer a niche feature but a strategic advantage for forward-thinking businesses. With projections showing crypto transaction volume surpassing $17 billion this year, tapping into this market allows you to attract a global, tech-savvy customer base. This guide dives deep into the best crypto payment gateways, ideal for enhancing your self-hosted e-commerce platform, providing unparalleled control, reduced fees, and a truly decentralized payment experience for your customers. Discover how these solutions can elevate your online store.

Embracing Decentralized Payments for Your Self-Hosted Platform

Accepting cryptocurrency payments is not just a short-lived trend—it has become an essential and smart move for future-focused businesses. As of 2024, over 500 million people worldwide owned cryptocurrency, and crypto payments are projected to surpass $17 billion in transaction volume this year alone.

For e-commerce businesses, this presents a valuable opportunity to reach a new customer base, as customers now expect to be offered payment methods beyond traditional ones. By adding crypto to your regular types of ecommerce payments, such as credit/debit cards, digital wallets, and BNPL (Buy Now Pay Later), you can attract global users who prefer decentralized payment options, especially when managing your own infrastructure on a private server.

That said, here is a quick disclaimer from our side: cryptocurrencies are not regulated in many countries, and their value can be highly volatile. So if you’re considering larger investments or holding crypto long-term, it’s wise to seek legal and financial advice from the experts.

In this article, I will take you through some of the best crypto payment gateway solutions ideal for adding to your website or online store, emphasizing their compatibility with custom deployments and self-hosted environments.

Best Crypto Payment Gateways Comparison

Below is a comparison table of the crypto payment gateways, comparing the cryptocurrencies supported, transaction fee, and Shopify/WooCommerce support.

I will now discuss each of the above crypto payment gateways and their features in detail.

1. CoinGate: Seamless Integration for Self-Hosted Shops

CoinGate makes it simple and stress-free to accept crypto payments for your business. With transaction fees under 1% and no hidden charges, you can start taking payments in crypto. It automatically converts cryptocurrencies to traditional currencies like EUR, USD, or GBP and deposits the funds directly into your bank account.

CoinGate offers plugins, APIs, point-of-sale apps, and billing tools so that you can accept crypto for your online and offline business. You also get a customizable checkout matching your brand, along with built-in support for refunds and white-label options.

It works smoothly with major e-commerce platforms often run on self-hosted environments like WooCommerce, Magento, PrestaShop, OpenCart, WHMCS, and ZenCart. This platform supports over 70 cryptocurrencies, including Bitcoin, Ethereum, and stablecoins, offering your customers a wide range of options.

CoinGate uses blockchain technology to make the transactions irreversible and protect customer privacy. Moreover, you don’t have to worry about chargebacks. Most funds are kept in cold wallets for extra protection, and two-factor authentication adds an extra security layer.

To help you avoid the rollercoaster of crypto prices, CoinGate offers real-time conversion to fiat and volatility protection. There’s even a referral program, 24/7 support, and no minimum payment amount.

CoinGate

2. Coinbase Commerce: Empowering Decentralized Control

If you are a business that wants to start accepting crypto payments from customers around the world without any complicated setup, go for Coinbase Commerce. As one of the most reliable business online payment solutions, it offers instant settlement and a flat 1% fee, cutting down costs and helping you avoid chargebacks. It runs on the Onchain Payment Protocol, meaning compatibility with hundreds of digital currencies and wallets like Ethereum, Polygon, and Base.

Coinbase Commerce offers built-in support for WooCommerce, Primer, and Jumpseller. Moreover, payments get auto-converted to USD, so you don’t have to worry about crypto price changes. Developers utilizing self-hosting capabilities can leverage its open-source protocol and powerful API for deep customizations.

Even if you’re not into coding, you can still work with its payment buttons, checkout pages, and invoices. Your customers get a smooth checkout experience with direct wallet connections. Coinbase Commerce instantly confirms the payments, allowing you and your customers to have the much-deserved peace of mind.

Since Coinbase Commerce uses non-custodial wallets, you get complete control over the fund management. With real-time blockchain validation, there’s no waiting on third parties or dealing with payment delays. It also supports multi-signature wallets and can utilize any wallet or exchange setup that works best for your business.

Coinbase Commerce

3. NOWPayments: Extensive Crypto Support for Flexible Deployments

NOWPayments is another popular payment gateway to accept crypto for both new and established companies. It provides you with options to accept 300+ cryptocurrencies, including Bitcoin, Ethereum, stablecoins, and up-and-coming tokens.

The charges are comparatively low as well — just 0.5%, with another 0.5% only if you’re converting between currencies. The set-up charge is free; you can start accepting payments right away and even withdraw directly to your bank account.

You can plug into its API for a fully customized setup or use built-in tools like invoices, payment buttons, links, widgets, or a point-of-sale system. NOWPayments also plays nicely with e-commerce platforms like WooCommerce, Shopify, Magento (Adobe Commerce), and more, making it an excellent choice for self-hosted payment solutions.

Features like recurring payments, donations, and bulk payouts make it ideal for subscriptions, nonprofits, and affiliate programs. And you get to choose how to manage your crypto—either with automatic conversion or by sending it straight to your own wallet.

NOWPayments uses advanced anti-money laundering checks, two-factor authentication, wallet whitelisting, and custom user roles for account access. Thanks to its non-custodial option, you’re always in control of your funds as payments get deposited in your wallet within minutes.

Worrying about price swings? Go for fixed-rate conversions or real-time auto-swaps to keep your revenue steady. With no minimum transaction size, even micropayments are welcome. If you need help, the 24/7 support and dedicated account managers are there to walk you through everything.

NOWPayments

4. Crypto.com Pay: Low Fees and Broad Platform Compatibility

Crypto.com Pay gives your business a convenient way to start accepting payments in crypto from over 580 million users. You can take payments in Bitcoin, Ethereum, and others, with the option to settle in 20+ currencies, like USD, EUR, GBP, AUD, or crypto, without having to worry about market volatility.

Checkout processing on Crypto.com typically takes about a second. It has no transaction fees, just some small settlement and payout fees to save you up to 80% compared to traditional payment processors. If you’re selling offline, the merchant app supports in-store crypto payments without any extra POS hardware.

Crypto.com Pay has ready-to-go plugins for Shopify, WooCommerce, Magento, PrestaShop, OpenCart, and other popular platforms. Developers focusing on private server e-commerce can build custom integrations using the API and SDK, while non-techies can simply drop in payment buttons, automatic invoices, or even let customers pay by card or affiliate link.

When it comes to security, Crypto.com Pay meets top-tier standards, including CCSS Level 3, ISO/IEC 27001 and 27701, and PCI-DSS Level 1. These ensure that your business and customer data remain protected. Non-custodial payments give you full control, and features like underpayment protection and refund management help you run the business smoothly.

With instant crypto-to-fiat conversion, you always receive the amount you expect. Your customers can even earn cashback while you keep the full payment. Additionally, 24/7 support and a quick onboarding process make it a fast and affordable experience.

Crypto.com Pay

5. BitPay: Global Reach with Self-Hosted Flexibility

Using BitPay, you can accept crypto payments in over 100 digital currencies, including Bitcoin, Ethereum, Bitcoin Cash, and even the Lightning Network. It allows you to receive payments in USD, EUR, GBP, or AUD, with payouts made daily to your bank account.

Operating in 229 countries, BitPay works with any wallet and quickly generates invoices through online checkout, email, or the in-store POS app. It offers fixed exchange rates and fees lower than credit cards, so you’re shielded from volatility and don’t have to worry about chargebacks.

Developers can use APIs and SDKs in C#, Java, PHP, and Node.js to build custom workflows, perfect for integrating with your self-hosted systems. Not into coding? BitPay integrates easily with platforms like WooCommerce, Shopify, Magento, PrestaShop, WHMCS, OpenCart, and Easy Digital Downloads.

BitPay handles the conversion while keeping your funds safe with non-custodial wallets, encrypted keys, two-factor authentication, and real-time monitoring. You also get access to the BitPay Wallet, which lets you store, spend, and even pay bills with crypto.

BitPay

6. Cryptomus: User-Friendly Crypto Payments for Any Setup

If you are someone who is not into tech but wants to accept crypto for your business, Cryptomus is the right choice for you. Be it a single invoice or large-scale payouts, you can price in fiat or crypto while the platform handles the wallet and network details for you.

It supports everything from one-time sales to subscriptions and bulk payments. Moreover, there are no chargebacks or rolling reserves. You can optimize settings like precision, partial payments, overpayments, and set discounts or commissions per coin.

Worried about crypto volatility? Payments on Cryptomus can be auto-converted into fiat or stablecoins without extra fees for consistent revenue. Its transaction fees range between 0.4% and 2%, with no hidden withdrawal costs. You can brand the entire experience with white-label payment pages.

Strong encryption, two-factor authentication, and AML/KYC compliance protect your business and customers. If you ever need help, Cryptomus offers Telegram support, email, tickets, and dedicated account managers.

Its simplistic but robust integration consists of APIs, SDKs, or direct plugins for Shopify, WooCommerce, Magento, PrestaShop, WHMCS, and OpenCart, making it highly adaptable for self-hosted deployments. The built-in wallet supports multi-currency management, automatic conversions, and fast payouts.

Cryptomus

7. CoinPayments: A Veteran for Diverse Crypto Acceptance

Being an established name in the crypto payment space, CoinPayments supports over 1,900 cryptocurrencies, letting you accept everything from prominent coins to niche tokens. For hassle-free payment management, it offers features like automatic coin conversion, fiat on- and off-ramps, and insured wallet services.

It settles the transactions instantly, and since there are no chargebacks, the risk of fraud drops significantly. CoinPayments also provides flexibility with how you receive your funds, you can get them instantly, fix a schedule, or get them only when a threshold is hit.

Furthermore, the platform includes everything from multi-coin wallets and payment buttons to invoicing tools, POS apps, and plug-and-play shopping cart integrations. Withdrawal fees are also low, thanks to smart bundling of blockchain transactions, which can cut network costs by up to 90%.

For security, it has time-locked vaults, encrypted keys to 2FA, multi-signature wallets, and address whitelisting. The vault feature even adds a delay before withdrawals, with email alerts to locate anything suspicious. Its mobile app supports over 1,200 coins, lets you use QR and NFC payments, and even handles tax, tips, and real-time fiat conversion, suitable for in-person sales.

CoinPayments offers a mix of no-code tools like payment links, checkout buttons, and ready-made plugins for platforms like Shopify, WooCommerce, Magento, and PrestaShop, making it a versatile option for custom-hosted e-commerce solutions. If you have developers with spare time, you can let them make custom integrations using its powerful API.

Its merchant dashboard gives you full visibility with transaction history, analytics, invoicing, and role-based access for teams. Overall, CoinPayments is a secure and cost-effective way to bring crypto payments into your business with 24/7 support, insured custody, EU licensing, and operations in over 200 countries.

CoinPayments

8. Stripe: Bridging Fiat and Crypto for Modern Businesses

Stripe makes it easy for both Web3 startups and traditional businesses to reach a global audience by accepting crypto payments. You can embed fiat-to-crypto tools directly into your checkout, so customers can quickly top up their crypto wallets using credit cards or instant bank transfers.

This platform manages onboarding, KYC, fraud protection, and payment optimization—so your conversion rates stay high and your checkout experience stays seamless. And for repeat customers, Stripe’s Link feature enables one-click purchases, keeping the process fast, secure, and consistent with your brand.

Stripe’s crypto tools enable your customers to pay using stablecoins like USDC or USDP on Ethereum, Solana, or Polygon. What’s more, you get settled directly in USD to your Stripe account without having to manage crypto wallets or worry about volatility.

Whether you’re using Stripe Checkout, Elements, or building with the Payment Intents API, the process is smooth, and transaction fees are just 1.5% in USD. Stripe takes care of all the behind-the-scenes conversions and logistics, while giving you access to local payment methods in over 180 countries. It also provides top-tier security and compliance through identity verification, smart fraud detection, and machine learning, ensuring a robust payment infrastructure even for self-managed servers.

Stripe

9. Coinremitter: Affordable and Private for Self-Hosters

CoinRemitter makes crypto payments accessible for everyone, even if you’re not tech-savvy. It supports 10+ popular cryptocurrencies and works in 130+ countries. You can plug it into WordPress, Magento, OpenCart, Laravel, PHP, or Node.js using open-source plugins and an API, ideal for direct integration on your self-hosted environment.

Affordability is the USP of CoinRemitter as it charges just 0.23% per transaction, and for supported coins, its “gas station” feature cuts network fees further. Payments are withdrawn to your external wallet every 30 minutes, with full API control for limits and settings. No KYC or bank account is required, so you get speed, privacy, and borderless access.

CoinRemitter includes two-factor authentication, login protection, code cards, activity alerts, and admin-level control over connected devices. You can block API withdrawals, set time-delayed vault access, and manage everything remotely. With reliable 24/7 support, excellent uptime, and built-in privacy, CoinRemitter is a low-cost, high-security solution for merchants.

CoinRemitter

Honorable Mentions for Crypto Payment Gateways

Here are some honorable mentions that are worth trying for your self-hosted setup:

• Confirmo.net: Confirmo.net is a secure and compliant payment gateway for stablecoin payments that supports mass payouts.
• Triple-A: Using Triple-A, you can accept payments in stablecoins and make payouts in local currencies in 50+ countries.
• Plisio: Plisio supports 15+ crypto coins for all kinds of payments, that too with 0% chargeback.
• OpenNode: OpenNode enables you to accept Bitcoin payments with features such as a powerful API, e-commerce plugins, or hosted payment pages.

FAQ

Q1: What is a Crypto Payment Gateway and how does it benefit my self-hosted site?

A crypto payment gateway is a specialized platform for accepting payments in cryptocurrencies like Bitcoin, Ethereum, or stablecoins. It functions similarly to traditional payment gateways by securely processing transactions between customers and merchants, but it leverages blockchain-based transactions. For a self-hosted site, integrating a crypto gateway means retaining greater control over your payment infrastructure, potentially reducing long-term transaction costs compared to traditional processors, and offering payment flexibility that aligns with the decentralized ethos often appreciated by tech-savvy users managing their own servers. This offers a direct, peer-to-peer like payment method without intermediaries, enhancing privacy and reducing censorship risks.

Q2: How Does Crypto Payment Work on My Self-Hosted Website?

When you add crypto payments to your self-hosted website (e.g., via a WooCommerce plugin or custom API integration), your customers pay using coins like Bitcoin, Ethereum, or stablecoins in exchange for your products and services. Here’s how it works: at checkout, your customer chooses “pay with Crypto.” They are then redirected to a secure crypto payment gateway page (either hosted by the gateway or embedded into your site), which shows them a wallet address or a QR code. The customer uses their crypto wallet to send the exact amount.

The gateway checks the blockchain to confirm the payment, and the verification can take between a few seconds and a few minutes. Once it’s verified, your site gets a confirmation. You can choose to receive the payment in crypto or have it automatically converted to traditional currency like USD and receive it in your bank account. Most gateways give you a dashboard to track payments, manage refunds, and keep an eye on settlements. The beauty for self-hosters is the direct plugin architecture, which often means less reliance on third-party scripts and more control over your checkout flow.

Q3: What unique benefits do self-hosters gain by implementing a non-custodial crypto payment gateway?

Self-hosters implementing a non-custodial crypto payment gateway gain significant advantages in terms of sovereignty and financial control. Unlike custodial solutions where the gateway temporarily holds your funds, non-custodial gateways transfer payments directly to your own crypto wallet. This means you maintain immediate control over your assets, reducing counterparty risk (the risk of the gateway freezing or losing your funds) and avoiding delays in fund access. It perfectly aligns with the ‘self-sovereignty’ principle often valued by self-hosting enthusiasts. Furthermore, this setup can offer enhanced privacy, as fewer intermediaries handle your sensitive financial data. A recent example is the increasing adoption of Lightning Network-enabled non-custodial gateways for faster, cheaper Bitcoin payments on self-hosted WooCommerce stores, allowing instant settlement directly to the merchant’s wallet.

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