This article focuses on the Best International Cryptocurrency and Fiat Payment Gateways for Latin America.
To minimize transaction fees and expand their global reach, Latin American businesses are starting to integrate crypto payments into their payment processing options.
Selecting the appropriate payment gateway can help businesses alleviate the challenges of cross-border payments while providing fast, safe, and dependable options for merchants and their customers in the region.
Key Poinst & Best International Crypto + Fiat Payment Gateways for Latin America
| Payment Gateway | Key Points |
|---|---|
| CoinGate | Supports Bitcoin, Ethereum, and 70+ altcoins; integrates with e-commerce platforms; fiat settlement available |
| BitPay | One of the oldest crypto gateways; supports Bitcoin & stablecoins; offers prepaid cards; strong compliance features |
| CoinPayments | Accepts 100+ cryptocurrencies; popular in Latin America; offers fiat conversion and wallet services |
| NOWPayments | Non-custodial gateway; supports 200+ coins; automatic fiat conversion; recurring billing options |
| PayPal | Allows crypto purchases and payments; strong fiat coverage; widely accepted across LATAM |
| Stripe | Global fiat gateway with crypto plugins; supports card payments; strong developer APIs |
| SpectroCoin | Offers crypto debit cards; supports SEPA & fiat transfers; merchant tools for LATAM businesses |
| CoinsBank | Multi-currency wallet and gateway; supports fiat + crypto; offers prepaid cards and exchange services |
GoCoin | Focused on Bitcoin, Litecoin, and Ethereum; merchant-friendly API; fiat settlement available |
| OpenNode | Bitcoin-only gateway; lightning network support; instant fiat conversion; strong adoption in LATAM |
10 Best International Crypto + Fiat Payment Gateways for Latin America
1. CoinGate
Merchants can accept Bitcoin and Ethereum or any of the 70+ cryptocurrencies CoinGate partners with.
The payment gateway integrates with the likes of WooCommerce and Magento and is therefore a great option for Latin American online sellers.
Merchants can convert crypto to fiat during payment in real time, which mitigizes any volatility risk. CoinGate also offers a point-of-sale crypto payment app and API, which allows for retail use.
Merchants with point-of-sale apps also benefit from CoinGate’s settlement option which allows them to receive payment in crypto and other Latin American fiat currencies like USD or EUR.
Features CoinGate
- Allows customers crypto payment options with over 70 different currencies including Bitcoin and Ethereum.
- Converts cash instantly to USD, EUR, and several other currencies.
- Integrates with WooCommerce, Shopify, Magento, etc. with ease.
- Offers online and offline merchants point-of-sale applications.
2. BitPay
Global payment processor BitPay is very well known and respected in the crypto space. Their payment processor allows for a merchant to accept Bitcoin and stablecoins and is quickly converted to a fiat currency like the USD or the EURO.
Their prepaid debit card is also a helpful use case for Bitcoin. BitPay is compliant with fraud protection and can easily integrate with Latin American merchants’ bookkeeping.
For companies looking to expand internationally, the reputation and credibility of a company mean that, due to the fusion of crypto and traditional banking,
Latin American businesses are able to access a global customer base and reduce exchange rate risk.
Features BitPay
- Offers Bitcoin, stablecoins, and cash-settlement options.
- Users are given prepaid debit cards that can be used to spend crypto anytime and anywhere.
- Excellent compliance with regulations and fraud protection.
- Easy to integrate with most popular accounting and ERP solutions.
3. CoinPayments
The service offered by CoinPayments, which allows the use of over 100 cryptocurrencies, is accessible to all of Latin America.
It is a fully integrated service provider offering merchant services and wallets to businesses and individuals.
CoinPayments mitigates the risk of crypto volatility by instantly converting to a fiat currency. Its seamless integration with e-commerce and marketplace
Software is a major enabler for online retailers. The platform is also equipped with multi-user capabilities, vaults, and POS systems.
For crypto-exposed Latin American merchants, the broad acceptance of cryptocurrencies, competitive pricing, and established infrastructure of CoinPayments in gaining popularity in emerging regions with rapid digital payment adoption are also extremely positive.
Features CoinPayments
- Offers a plethora over 100 different crypto currencies with seamless and automatic conversion to cash.
- Empowers merchants with a variety of solutions including plugins, wallets, and other features.
- Transaction costs are low and very affordable for smaller merchants.
- Strong adoption and a sizeable market share with in e-commerce in the region gives the company a competitive edge in Latin America.
4. NOWPayments
The NOWPayments platform is a versatile non-custodial payment gateway that combines more than 200 cryptocurrencies and provides extra protection and flexibility.
For a wide variety of use cases, it offers automatic fiat conversion, options for recurring payment, and tools for fundraising.
Latin American merchants benefit from its simple plugins and API integration to major e-commerce systems like Shopify and WooCommerce.
NOWPayments accepts both crypto and fiat funds and does not hold customer funds, meaning it is uniquely positioned as the most suitable option
for businesses in Latin America that need to support local settlements and want to cater to international clients.
Features NOWPayments
- Available for merchants with 200 different currencies plus options to convert to available fiat.
- Maintains a non-custodial model that enables fund management for merchants.
- Comes equipped with tools to aid in automated subscriptions and donations.
- Offers plugins compatible with Shopify, WooCommerce, and other services.
5. PayPal
The easy and flexible payment service PayPal is ranked as one of the most popular payment service providers.
The option of buying cryptos (e.g., Bitcoin and Ethereum), holding them, and even making payments via PayPal adds even more convenience, and is therefore of tremendous relevance.
In Latin America, PayPal’s high volume of supported fiat currencies and significant market presence, alongside the strong demand from businesses and freelancers, makes this payment service even more beneficial.
Merchants have the crypto option for customer payments, but can still swap to local fiat currencies.
In addition, with its strong market presence, security, and overall reliability of the payment service providing country,
PayPal is one of the top payment service providers for businesses in the Latin American region wanting to cater to international clientele and provide both fiat and crypto payment options.
Features PayPal
- Provides support for crypto to major fiat currencies including Bitcoin and Ethereum and leverages its leading fiat payment network.
- Customers can spend, save, and transact in cryptocurrency with PayPal
- Customers can trust the brand and PayPal has strong security features
- PayPal is well-acknowledged in Latin America, especially among freelancers and companies
6. Stripe
Stripe has become a hybrid payment service provider with the integration of crypto via third party plugins.
Stripe makes it easy to accept and process payments via cards, bank transfers, and digital wallets, therefore offering great flexibility. I
n Latin America, Stripe’s developer-friendly APIs and strong fraud prevention systems make it stand out.
Merchants enjoy the ease of integrating crypto acceptance with partners while taking advantage of Stripe’s fiat settlement features.
Stripe’s functionalities are perfect for both small companies and large organizations. Stripe’s combination of flexibility with crypto and dominance with fiat allows
Stripe to continue assisting more latin american companies with their cross-border payments while keeping payments local.
Features Stripe
- Stripe is the best gateway for payments in cryptocurrency with integrations to third parties
- Stripe enables credit card and bank payments, as well as payments through online wallets
- Stripe has developer-friendly APIs for blockchain-related integrations
- Stripe has excellent fraud prevention and can handle large scale payments for enterprises
7. SpectroCoin
Spectrocoin wallets, merchant tools, and debit cards offer a wide variety of services. Spectrocoin has SEPA transfer capabilites and supports fiat settlements, another advantage for companies requiring cross-border payments.
Spectrocoin has provided crypto debit cards in latin america and at the same time enabling customers to make crypto spends, an important bridge for crypto attainable daily purchases.
Multi-crypto acceptance, cost effective integrations and ease of use are some benefits to merchant customers. Spectrocoin has a well-balanced services for both consumers and merchants.
Features SpectroCoin
- crypto debit card for daily use
- SpectroCoin can accept SEPA payments in Euros
- SpectroCoin provides merchant service for payment acceptance in several cryptocurrencies
- SpectroCoin is a great option for businesses due to its low fees and fast setup
8. CoinsBank
Coinsbank offers a crypto and fiat multi-currency payment gateway, merchant services, and prepaid cards.
Coinsbank is a borderless solution, a great advantage for latin american businesses that seek seamless international trade, cross- border payments, and transactional agility.
Merchants can instantly convert crypto payments to fiat and manage volatility risk. Accessibility for individuals and enterprises is evident through the mobile app and a user-friendly interface.
CoinsBank is a digital wallet, exchange, and payment gateway. This makes it the best option for the expanding digital economy in the region.
Features CoinsBank
- Support several currencies that can be stored in a wallet, both crypto and fiat
- Offers users prepaid debit cards that can be used to make purchases
- CoinsBank can transfer and receive payments in Latin America
- Easy-to-use apps for users and businesses
9. GoCoin
GoCoin is a crypto payment gateway that supports Bitcoin, Litecoin, and Ethereum. Easy-to-use APIs and plugins to e-commerce platforms help merchants integrate their payment process.
It permits crypto payments and provides fiat settlement, so businesses can avoid volatility. Its GoCoin for ease, and for the reliability, it is sought by SMEs in the Latin American region.
It focuses on the primary cryptocurrencies for its stability, also to encourage adoption by customers.
GoCoin supports merchants in the region by expanding their payment alternatives to customers and offering crypto volatility management.
Features GoCoin
- GoCoin supports shopping with Bitcoin, Litecoin, and Ethereum
- Offers merchants a simple API for adding cryptocurrency payment options to their websites
- GoCoin can help merchants manage volatility with a fiat payment option
- GoCoin is a great payment service for many small and medium sized enterprises
10. OpenNode
OpenNode is a payment gateway for Bitcoin only that uses the Lightning Network to reduce transaction times and costs.
They also instantly convert bitcoin to fiat which is good for customers worried about volatility. This has great potential for the Latin American merchants helping them accept Bitcoin and other local payments.
Since it is specifically focused on Bitcoin, it is reliably used by and brings the trust of crypto customers.
On both online and offline spheres, OpenNode is adaptable due to the developer-friendly API and point-of-sale offerings.
Because of Bitcoin coupled with fiat, OpenNode provides the confidence to businesses in Latin America to adopt and implement crypto payments.
Features OpenNode
- OpenNode is exclusive to Bitcoin transactions with a lightning network
- OpenNode can automatically convert cryptocurrency to fiat
- OpenNode provides a simple API for developers and merchants with point of sale apps
Conclusion
In closing, the Best International Crypto + Fiat Payment Gateways for Latin America gives companies safe, fast, and flexible payment options.
Gateways such as CoinGate, BitPay, OpenNode, and PayPal allow for the seamless transfer of both crypto and fiat, lessening the risks of volatility and broadening one’s global reach.
Picking the appropriate payment system will guarantee profitability, reliability, and efficiency for merchants in Latin America.
FAQ
What is a crypto + fiat payment gateway?
It’s a platform that allows merchants to accept both cryptocurrencies and traditional fiat currencies for payments.
Why are these gateways important in Latin America?
They help businesses manage currency volatility, expand globally, and access more payment options.
Which gateways are most popular?
CoinGate, BitPay, CoinPayments, NOWPayments, PayPal, Stripe, SpectroCoin, CoinsBank, GoCoin, and OpenNode.
Can these gateways convert crypto to local currency?
Yes, most support automatic conversion to fiat to minimize volatility risks.
Are they secure for merchants?
Yes, they offer encryption, compliance, and anti-fraud measures.
