Best Crypto Payment Gateways: 10 Apps for Accepting Cryptocurrency at Checkout

This guide compares ten crypto payment apps from the SaaSPodium directory for merchants and finance teams. For the open-source self-hosted option, see BTCPay Server.

Payment gateways connect to your e-commerce platform, ERP and accounting systems, so check plugin support, webhooks and export formats early.

What Are Cryptocurrency Payment Apps?

Cryptocurrency payment apps and gateways let a business accept crypto from customers at checkout, then either hold the assets or convert them to fiat currency. They handle invoicing, price quotes, blockchain confirmation, webhooks and reporting.

A typical flow shows the customer a fixed-price invoice, watches the blockchain for payment, confirms it and notifies your store through an API or plugin. Many gateways settle in fiat so finance teams avoid price volatility.

Hosted versus self-hosted

Hosted gateways take custody of funds briefly, handle compliance and are quick to launch. Self-hosted options such as BTCPay Server give you control and avoid a middleman, but you take on security and operations.

How We Chose These Payment Gateways

We included all ten listings in the Cryptocurrency Payment Apps Software category on SaaSPodium. Because SaaSPodium does not yet hold ratings or published fees for them, we compare model, positioning and the checks that matter to merchants.

• Custody model: hosted, non-custodial or self-hosted.
• Settlement: fiat or crypto payouts and timing.
• Integrations: e-commerce plugins, API and webhooks.
• Fees: processing, conversion and withdrawal costs.
• Compliance: KYC, AML and tax reporting support.

Compliance, Tax and Security for Merchants

Accepting crypto creates tax, accounting and security duties. Record the fair market value at the time of each sale, protect API keys and webhook endpoints, and confirm your provider's compliance obligations with your counsel.

In the United States the IRS treats virtual currency as property, which affects how revenue and gains are reported; see the IRS virtual currency FAQ. Secure the web layer using the OWASP Top 10, and protect administrator access following NIST SP 800-63-4.

Verify webhook signatures, rotate API keys, and restrict the dashboard with MFA and least-privilege roles.

BTCPay Server: Self-Hosted, Open-Source Control

BTCPay Server is a self-hosted, open-source payment processor. It earns a place on a shortlist when that profile matches your environment, but buyers should confirm current capabilities, support terms and written pricing with the vendor before committing to a contract.

SaaSPodium positions it as "Self-hosted, open-source cryptocurrency payment processor." Read the full BTCPay Server profile for deployment options and listing details.

• Positioning: Self-hosted, open-source cryptocurrency payment processor.
• Pricing model: listed as free; budget for hosting, maintenance and security work.
• Check: who on your team will run the server, back up keys and apply updates.
• Deployment: listed on SaaSPodium for cloud, web, Windows, Mac and mobile access, so check which parts run on-premises in your plan.

Coinbase Commerce: Checkout From a Known Brand

Coinbase Commerce is a hosted crypto checkout product from Coinbase. It earns a place on a shortlist when that profile matches your environment, but buyers should confirm current capabilities, support terms and written pricing with the vendor before committing to a contract.

SaaSPodium positions it as "Accept crypto from anyone, anywhere." Read the full Coinbase Commerce profile for deployment options and listing details.

• Positioning: Accept crypto from anyone, anywhere.
• Pricing model: paid; confirm fees and settlement options.
• Check: settlement currency, supported assets and available regions.
• Deployment: listed on SaaSPodium for cloud, web, Windows, Mac and mobile access, so check which parts run on-premises in your plan.

BitPay: Established Bitcoin Payment Services

BitPay is a payment service provider focused on Bitcoin and other cryptocurrencies. It earns a place on a shortlist when that profile matches your environment, but buyers should confirm current capabilities, support terms and written pricing with the vendor before committing to a contract.

SaaSPodium positions it as "The world's largest provider of Bitcoin and cryptocurrency payment services." Read the full BitPay profile for deployment options and listing details.

• Positioning: The world's largest provider of Bitcoin and cryptocurrency payment services.
• Pricing model: paid; request the fee schedule and settlement terms.
• Check: fiat settlement options and plugin support for your commerce platform.
• Deployment: listed on SaaSPodium for cloud, web, Windows, Mac and mobile access, so check which parts run on-premises in your plan.

CoinGate: Accept Crypto at Checkout

CoinGate is a payment gateway for accepting cryptocurrency. It earns a place on a shortlist when that profile matches your environment, but buyers should confirm current capabilities, support terms and written pricing with the vendor before committing to a contract.

SaaSPodium positions it as "Accept cryptocurrency payments." Read the full CoinGate profile for deployment options and listing details.

• Positioning: Accept cryptocurrency payments.
• Pricing model: paid; confirm processing fees and payout options.
• Check: plugin availability and payout currencies.
• Deployment: listed on SaaSPodium for cloud, web, Windows, Mac and mobile access, so check which parts run on-premises in your plan.

CoinPayments: Broad Gateway Feature Set

CoinPayments is a crypto payment gateway positioned on breadth of features. It earns a place on a shortlist when that profile matches your environment, but buyers should confirm current capabilities, support terms and written pricing with the vendor before committing to a contract.

SaaSPodium positions it as "The most comprehensive crypto payment gateway." Read the full CoinPayments profile for deployment options and listing details.

• Positioning: The most comprehensive crypto payment gateway.
• Pricing model: paid; clarify fees by coin and service.
• Check: supported coins and the merchant tools you will actually use.
• Deployment: listed on SaaSPodium for cloud, web, Windows, Mac and mobile access, so check which parts run on-premises in your plan.

NOWPayments: Easy Crypto Acceptance

NOWPayments is a crypto payment gateway from the ChangeNOW brand. It earns a place on a shortlist when that profile matches your environment, but buyers should confirm current capabilities, support terms and written pricing with the vendor before committing to a contract.

SaaSPodium positions it as "Accept crypto payments easily." Read the full NOWPayments profile for deployment options and listing details.

• Positioning: Accept crypto payments easily.
• Pricing model: paid; confirm fees and conversion options.
• Check: auto-conversion, recurring payment support and API documentation.
• Deployment: listed on SaaSPodium for cloud, web, Windows, Mac and mobile access, so check which parts run on-premises in your plan.

OpenNode: Bitcoin Payments for Every Business

OpenNode is a Bitcoin-focused payment processor. It earns a place on a shortlist when that profile matches your environment, but buyers should confirm current capabilities, support terms and written pricing with the vendor before committing to a contract.

SaaSPodium positions it as "Bitcoin payments for every business." Read the full OpenNode profile for deployment options and listing details.

• Positioning: Bitcoin payments for every business.
• Pricing model: paid; review fees and withdrawal policy.
• Check: Lightning support and fiat settlement terms.
• Deployment: listed on SaaSPodium for cloud, web, Windows, Mac and mobile access, so check which parts run on-premises in your plan.

Cryptomus: Fast-Growing Gateway

Cryptomus is a crypto payment gateway positioned as fast growing. It earns a place on a shortlist when that profile matches your environment, but buyers should confirm current capabilities, support terms and written pricing with the vendor before committing to a contract.

SaaSPodium positions it as "The fastest growing crypto payment gateway." Read the full Cryptomus profile for deployment options and listing details.

• Positioning: The fastest growing crypto payment gateway.
• Pricing model: paid; ask for fee details.
• Check: compliance posture, supported assets and merchant support.
• Deployment: listed on SaaSPodium for cloud, web, Windows, Mac and mobile access, so check which parts run on-premises in your plan.

GoCoin: Blockchain Payment Gateway

GoCoin is a blockchain payment gateway. It earns a place on a shortlist when that profile matches your environment, but buyers should confirm current capabilities, support terms and written pricing with the vendor before committing to a contract.

SaaSPodium positions it as "Blockchain payment gateway." Read the full GoCoin profile for deployment options and listing details.

• Positioning: Blockchain payment gateway.
• Pricing model: paid; confirm current availability and fees.
• Check: that the service is actively supported and what integrations remain.
• Deployment: listed on SaaSPodium for cloud, web, Windows, Mac and mobile access, so check which parts run on-premises in your plan.

AlfaCoins: Secure Business Payments

AlfaCoins is a crypto payment service for businesses. It earns a place on a shortlist when that profile matches your environment, but buyers should confirm current capabilities, support terms and written pricing with the vendor before committing to a contract.

SaaSPodium positions it as "Accept crypto payments for your business securely." Read the full AlfaCoins profile for deployment options and listing details.

• Positioning: Accept crypto payments for your business securely.
• Pricing model: paid; review fee and payout terms.
• Check: security features and supported currencies.
• Deployment: listed on SaaSPodium for cloud, web, Windows, Mac and mobile access, so check which parts run on-premises in your plan.

How to Choose a Crypto Payment Gateway

Choose based on custody model, settlement currency and integration fit. A merchant that wants no price exposure should favor fiat settlement, while a technical team that wants control may prefer self-hosting.

Pilot with a small number of real transactions, including a refund and an underpayment, since edge cases reveal the quality of the tooling.

Net revenue formula

Gateway fee is the provider charge, conversion spread is the gap when converting to fiat, network fee is the blockchain cost, and price movement applies only if you hold crypto between payment and settlement.

Related SaaSPodium Guides

Payment gateways work alongside exchanges and wallets, so most merchants evaluate those categories together to complete a digital asset setup that is secure, auditable and easy for finance teams to run.

See our guide to the best cryptocurrency exchanges and browse the Cryptocurrency Payment Apps Software category for every listing.

Frequently Asked Questions

How much does it cost to accept cryptocurrency payments?
Gateways usually charge a percentage fee plus network and conversion costs. Nine of these listings are classed as paid and one as free, so request each fee schedule as of November 2026 and model your average order.

Can I accept crypto without holding crypto?
Yes. Many gateways convert payments to fiat at settlement, so you receive local currency and avoid price swings. Confirm conversion fees, payout timing and supported currencies before you integrate.

Is self-hosted BTCPay Server suitable for a small business?
It can be, if someone can maintain the server, secure keys and apply updates. Otherwise a hosted gateway reduces operational risk. Compare hosting and staff time against gateway fees before choosing.