In this article, I will examine the best crypto and fiat payment gateways in Bulgaria. Due to the evolution of digital currencies and international trade, Bulgarian companies now require payment processing solutions that accept both crypto and traditional currencies.
With BitPay and NOWPayments, as well as PayPal and Wise gateways, companies are able to streamline their payment processing and increase their payment processing versatility.
Key Point & Best Crypto and Fiat Payment Gateways in Bulgaria List
| Payment Gateway | Key Points |
|---|---|
| BitPay | Supports Bitcoin & other crypto payments, easy merchant integration, competitive fees |
| Adyen | Global payments platform, supports multiple currencies, enterprise-level security |
| PayPal | Widely accepted, supports crypto via PayPal wallet, easy checkout experience |
| Stripe | Developer-friendly API, supports crypto payments via partners, robust fraud protection |
| Revolut Business | Multi-currency accounts, crypto trading support, business-focused features |
| Wise | Low-cost international transfers, multi-currency support, transparent fees |
| NOWPayments | Accepts 100+ cryptocurrencies, easy integration, non-custodial crypto solution |
| CoinGate | Supports crypto payments & invoices, multiple coin options, merchant-friendly tools |
| CoinPayments | Large crypto support, shopping cart plugins, secure wallet storage |
| B2BinPay | Enterprise crypto payment processing, multi-coin support, robust compliance tools |
1. BitPay
BitPay focuses on being the first mover on the processing of crypto payments enabling Crypto and Fiat Payment Gateways in Bulgaria merchants to accept, transact, and hold Bitcoin and other major cryptocurrencies. The company’s strength is on turning crypto payments into the local currency, enabling merchants to avoid the adverse effects of price volatility.
The company has merchant services that include payment buttons, invoice sending, and POS terminal. The company offers Bulgarian merchants safe access to the crypto payment systems while turning the crypto into Bulgaria currency. The company focuses on security with the use of multi-signature wallets.
BitPay Features
- Crypto & Fiat Conversion – Minimizes the risk by instantly converting crypto payments to the local fiat currency (BGN/EUR).
- Merchant Tools – The company provides payment buttons for invoices and also integrated plugins that support payment processing for various e-commerce services.
- Security & Compliance – Compliance and security are guaranteed with the use of multi-signature wallets and two-factor authentication in place.
2. Adyen
Adyen is a global payment systems company with a competitive advantage stemming from a unified system catering to a range of payment options such as, credit cards, digital wallets, and Crypto and Fiat Payment Gateways in Bulgaria. This is especially useful to businesses operating in both local and international markets.
In Bulgaria, this is especially helpful since businesses cater to both. With features such as enterprise-level fraud prevention, tailored data insights and configurable checkout options, businesses can scale seamlessly with the automated billing and subscription features.
With integration spanning across in-store and digital channels, Adyen positions itself as one of the top options to streamline payment systems in Bulgaria to.
Adyen Features
- Unified Payment Platform – The alternative payment platform provides services that combine numerous methods of payment such as cards, e-wallets, and payment providers used in Eastern Europe.
- Fraud Prevention & Reporting – Uses real-time narrative reporting and connected AI systems to detect fraud.
- Flexible and Scalable – Multi-channel business subscription services and global business integration.
3. PayPal
Crypto and Fiat Payment Gateways in Bulgaria sellers gain trust and a recognized name with PayPal. PayPal enables users to use and convert cryptocurrencies as Paypal now allows for crypto transactions. PayPal allows users to avoid complicated payment operations with easy setups and the added benefit of immediate transaction alerts and reports.
PayPal creates a trustable environment for transactions and offers the buyer and seller security settings to protect the funds for cross-border transactions. PayPal’s support for multiple currencies enables Bulgarian sellers and merchants to attract and support international buyers and sellers with ease.
PayPal Features
- Universally Accepted – Businesses and customers around the world trust and recognize PayPal.
- Crypto Services – Via their PayPal account, users can sell crypto and instantly convert it to fiat currency.
- Merchant Services – Provides instant integration, reporting and notifications, and payments for merchants in Bulgaria.
4. Stripe
Stripe’s strong integration with digital currencies and developer support enable a first-class experience for users in Crypto and Fiat Payment Gateways in Bulgaria. Stripe helps users avoid complicated payment processes and instead offers seamless transactions that help users with subscriptions, payment funnels, and management in marketplaces.
Crypto transactions, as well as advanced fraud detection, seamless integration of invoicing, automated transaction processes, and management systems help avoid the operational costs that come with bulgarian payments. Stripe is a strong option that enables a cryptocurrency payment experience while giving full compliance with payment regulations in Europe to Bulgarian businesses.
Stripe Features
- Developer Friendly – The platform allows developers to customize payment flows, even payment processing for unique online storefronts.
- Worldwide & Crypto Payments – The service supports payments in various currencies. They also provide crypto payment facilities through payment partners.
- Automated Services & Forecasts – Systems that provide automated POS services also offer advanced solutions to prevent fraud for issues such as invoicing and recurring payments.
5. Revolut Business
Offering multi-currency accounts with instant conversion, Revolut Business is ideal for Crypto and Fiat Payment Gateways in Bulgaria companies with international customers. The offer that most stands out is the combination of bank accounts with the ability to buy and hold crypto and transact directly from the bank account.
With an easy-to-use dashboard, Revolut allows users to easily manage tracking of their expenses, payments, and financial analytics. The platform also allows for mass payments to employees and vendors.
Funds are secured with two-factor authentication and instant notifications. For Bulgarian SMEs that require modern and flexible solutions, the value of Revolut and its crypto management capabilities is unparalleled.
Business on Revolut Features
- Accounts in over 5 Freedoms : With holdings in BGN, EUR, USD, and crypto, you can seamlessly convert to any currency.
- Business Dashboard: Highly simplified payroll, mass payments, and expense management.
- Crypto Access: Traditional and crypto accounts can be held, and easily bought, or managed.
6. Wise
With its clear fee structure and low rates, Crypto and Fiat Payment Gateways in Bulgaria Wise concentrates on affordable international money transfer. Wise has the ability to process seamless border transfer and real time exchange, as well as Wise’s local banking features, which benefit especially Bulgarian businesses.
Wise developed technology that not only eliminates the costly inefficiencies of international payment systems, but also provides instantaneous transactions. Moreover, Wise’s ability to process payments in bulk makes it particularly useful for payment solutions for international payroll and vendor payments.
Companies that operate cross border can subsidize their expenses to a bank and still enjoy banking services owing to Wise’s large banking partnerships. This innovative solutions makes wise a leader in their industry.
Wise Features
- Cheap Transfers: International payments are done at profitable rates.
- Accounts in Various Currencies: Local bank details are provided in many currencies, making international sending and receiving payments smooth.
- Tracking and Batch Payments: For efficiently managing payments to vendors and for employee payroll.
7. NOWPayments
NOWPayments allows Crypto and Fiat Payment Gateways in Bulgaria merchants to accept over 100 coins without holding customers’ funds. NOWPayments is focused entirely on cryptocurrency payments. Their system is non-custodial, providing instant conversions to local fiat currencies, while also ensuring funds security.
The gateway facilitates payments via buttons, direct invoices, and integrates into major e-commerce plugins. Automated crypto payments, scheduled payouts, and detailed reporting make the system very commercially viable.
The system’s main selling point is risk mitigation while enabling merchants to accept and transact cryptocurrency, allowing access to the global, albeit volatile, crypto market. For Bulgarian businesses, NOWPay is the perfect solution.
NOWPayments Features
- Wide Crypto Support: 100+ cryptocurrencies can be accepted and can be automatically or instantly converted.
- Easy Integration: Rapid implementation through payment buttons, e-commerce plugins, or an API.
- Non-Custodial: No customer funds are touched making it secure and easy for the merchant.
8. CoinGate
For Crypto and Fiat Payment Gateways in Bulgaria businesses, there are multiple options available when it comes to accepting cryptocurrency payments, including Bitcoin, Ethereum, and others. Perhaps the biggest differentiating factor with CoinGate is the combination of a merchant dashboard with seamlessly integrated payment processing, invoicing, and POS systems.
Coupled with auto conversion to fiat currencies for reducing exposure to cryptocurrency fluctuations, there are no downsides. CoinGate integrates with any e-commerce platform and is able to assist businesses with billing, making it a great option for online and offline merchants.
Features including advanced security and compliance protocols, transaction monitoring, and frequent reporting make CoinGate a fantastic option for businesses in Bulgaria looking to seamlessly integrate crypto payments with traditional payment processing.
CoinGate Features
- Crypto and Fiat Processing: Automated conversion and acceptance of many altcoins, Bitcoin, and Ethereum.
- Merchant Tools: E-commerce plugins, POS solutions, invoice creation.
- Security and Reporting: Strong compliance, financial reporting in real time.
9. CoinPayments
CoinPayments has one of the most extensive ranges of Crypto and Fiat Payment Gateways in Bulgaria coverage with support for over 2,000 coins and tokens. It provides flexible payment solutions to Bulgarian merchants through shopping cart plugins, POS integrations, and the ability to set up recurring payments.
The platform offers a secured wallet, ensures fraud detection, and keeps the funds safeguarded. Its worldwide presence and ability to convert currencies on the fly makes it ideal for firms with a global clientele. The platform also provides merchants loyalty and rewards, allowing them to engage with their clients.
The most unique attribute of the platform is the ability for Bulgarian merchants to explore the digital currency ecosystem, all while relying on the operational safeguards of the platform, which is ensure their business remains functional and seamless.—
CoinPayments Features
- Wide Coin Support: Payments can be made in over 2000+ cryptocurrencies.
- Merchant Tools: Flexible options for shopping cart plugins, POS integration, fraudulent detection, and easy conversion to fiat.
- Secure Storage: fraud detection, wallet protection, and easy conversion to fiat.
10. B2BinPay
Other crypto and fiat Crypto and Fiat Payment Gateways in Bulgaria solution providers do not accommodate the same volume and regulatory flexibility as B2BinPay.
With the ability to configure API integrations for mass payment dispersion and invoicing tailored to scalable operations, B2BinPay can facilitate large scale operations for Bulgarian companies enabling them to accept, store, and withdraw money in crypto and fiat currency.
B2BinPay is highly compliant with KYC and AML regulatory requisites, and as such allows medium to high volume companies to seamlessly integrate their operations with the crypto financial and payment ecosystem without any disruptions to the existing financial and operational workflows.
B2BinPay Features
- * Enterprise-Level Solution: Processes significant crypto and fiat payments and transactions backed by several such APIs.
- * Regulatory Compliance: KYC/AML and safe custody of all transactional data.
- * Customizable Payouts: Handles mass payments, invoicing, and melds adequately with existing business applications.
Conclusion
Across Bulgaria today, the business world is able to select from many crypto and fiat business payment gateways, as Bulgaria’s payment landscape has many options to choose from and is also very modern. It is easy for traders to securely and safely process and accept crypto currency from traders and business owners with platforms like, Bitpay, NOW Payments, Coin Payments and CoinGates.
On the other hand crypto currency is much easier to transact and business owners may use many traditional payment services as PayPal, Stripe, Adyen, and Wise for reliable, fast and efficient payment processing. For large business as well, B2BinPay is ideal for large volume and high transaction processing.
The right payment business service depends entirely on the level of crypto currency adoption and multi currency support of the the business as well, the purpose and reason of international integration.
All crypto and fiat payment gateways for businesses and traders help them modernize payment systems and improve customer services, thus helping them stay competitive as well on a global and international scale.
FAQ
Is it legal to accept cryptocurrency payments in Bulgaria?
Yes. Crypto-assets are legal in Bulgaria and treated as financial assets. As of July 2025, Bulgaria has adopted its own “Markets in Crypto‑Assets Act” (BG MiCA Act), aligning with the EU MiCA regulation. Crypto-asset service providers (CASPs) now require a license from the Bulgarian Financial Supervision Commission (FSC).
What kind of fees or penalties apply for non‑compliance?
Non‑compliance with the MiCA licensing and conduct rules can lead to significant fines. The law also gives regulators the power to suspend services, revoke licenses, or even ban operations.
How is anti‑money‑laundering (AML) handled for crypto gateways in Bulgaria?
Crypto service providers are subject to AML rules. Before MiCA, VASPs (crypto exchanges, wallets) had to register with the Bulgarian National Revenue Agency under AML legislation. With MiCA fully in effect, CASPs must also follow stricter internal controls, record‑keeping, and client‑due-diligence measures.
