In this article I will consider the Best Fiat Payment Processors Supporting Cryptocompanies. The rapid development of the crypto industry has an impact on everything and in this case has made it a necessity for businesses to find reliable payment gateways that enable the crypto and fiat working together.
The right processor facilitates the crypto payment processor’s ability to help with seamless transactions, worldwide outreach, compliance, and integration. Allowing the crypto company to shift its focus in managing their payments to further greater expasion.
Key Point & Best Fiat Payment Processors That Support Crypto Companies List
| Payment Processor | Key Points / Features |
|---|---|
| BitPay | Supports Bitcoin and stablecoins; merchant tools for invoices, subscriptions, and payouts; strong global adoption. |
| CoinGate | Accepts multiple cryptocurrencies; easy integration with e-commerce platforms; automatic fiat conversion. |
| B2BinPay | Enterprise-grade solution; supports multiple coins and tokens; API for custom integration; crypto-to-fiat settlement. |
| NOWPayments | Non-custodial crypto payment gateway; supports 100+ coins; instant payment notifications; low fees. |
| CryptoProcessing by CoinsPaid | Advanced merchant dashboard; multi-coin support; crypto-to-fiat conversion; recurring billing support. |
| PayPal (Crypto Services) | Allows buying, selling, and holding select cryptocurrencies; easy access for existing PayPal users; limited merchant acceptance. |
| Stripe | Recently supports crypto payouts via partners; robust developer API; widely used for global e-commerce payments. |
| Adyen | Offers crypto payment options through integrations; global payment processing; strong compliance features. |
| Worldpay | Traditional payment processor; exploring crypto payment support; reliable global payment network. |
| Payoneer | Focused on global remittances; partners with crypto platforms for payouts; supports mass payouts for businesses. |
1. BitPay
BitPay’s smooth transition between digital currencies and conventional finance makes it stand out as one of the top fiat payment processors assisting cryptocurrency businesses. It eliminates volatility risk by enabling businesses to accept Bitcoin, Bitcoin Cash, and stablecoins while instantaneously changing payments into local cash.
Its powerful merchant capabilities, including payout administration, subscriptions, and invoicing, streamline operations for cryptocurrency-based companies. It is exceptionally dependable due to its worldwide assistance, strict security guidelines, and adaptable e-commerce platform connection alternatives.
BitPay enables businesses to expand globally without encountering the typical obstacles associated with digital currency payments by fusing crypto acceptance with seamless fiat settlement.
| Feature | Details |
|---|---|
| Supported Cryptocurrencies | Bitcoin (BTC), Bitcoin Cash (BCH), USD Coin (USDC), Binance USD (BUSD), Paxos Standard (PAX) |
| Fiat Settlement | Supports conversion to USD, EUR, GBP, and other local currencies; direct bank transfers |
| KYC Requirement | Minimal KYC for small merchants; full verification required for higher transaction volumes |
| Integration Options | Plugins for Shopify, WooCommerce, Magento, API for custom integrations |
| Fees | Transaction fees typically 1% per payment; no setup fees |
| Payout Frequency | Daily, weekly, or instant settlement options available |
| Security Features | Multi-signature wallets, two-factor authentication, PCI-compliant infrastructure |
| Unique Point | Provides seamless crypto-to-fiat conversion with minimal KYC, ideal for new crypto businesses seeking easy compliance and global reach |
2. CoinGate
Supporting over 50 cryptocurrencies, CoinGate allows businesses to accept crypto while protecting against market volatility by instantly converting transactions into local fiat. Being one of the best fiat payment processors for crypto companies, CoinGate’s platform is simple, flexible, and supports traditional payment methods, too.
Merchants of any size can easily adop the service, which can be integrated into e-commerce via several payment solutions. Automated invoicing, secure transactions, and no geo-restrictions help companies expand. The combination of real-time fiat settlement, multi-coin support, and flexible options makes CoinGate one of the best crypto payment solution companies.
| Feature | Details |
|---|---|
| Supported Cryptocurrencies | Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Bitcoin Cash (BCH), XRP, TRON, Dogecoin (DOGE), Binance Coin (BNB), USDC, Solana (SOL), and many others across multiple blockchains/networks. |
| Fiat Settlement Options | Merchants can choose to have payments converted to fiat — e.g. EUR, USD, GBP — and withdrawn to a bank account. |
| Payout Flexibility | Option to keep funds in crypto (withdraw to wallet) or convert to fiat; also option to convert incoming crypto to another crypto before withdrawal. |
| Integration Methods | Easy integration via payment buttons, invoicing, API, and plugins for e‑commerce platforms; also supports direct wallet payout, mass payments and refunds. |
| Fees | Flat crypto‑payment processing fee — typically around 1% per transaction. |
| Compliance / KYC | Basic or “simplified” KYC may apply for urgent or low‑volume flows (e.g. card purchases). For most merchant or fiat‑settlement use, identity/verification is required. |
| Unique Strength / Use‑Case | Wide crypto support + flexible settlement: merchants get a choice — accept many coins and either hold crypto or convert to fiat, giving flexibility depending on risk appetite. Also offers strong developer‑friendly APIs + easy integration for online stores. |
3. B2BinPay
Because of its tailored enterprise solution for high-volume digital currency transactions, B2Binpay is one of the top fiat payment processors for crypto companies. Its instant fiat currency conversion mitigates price volatility risk.
It offers a wide variety of cryptocurrencies and stablecoins. Its API is one of the most sophisticated because of its seamless integration and compatibility with customized, private platforms, catering to large-scale wholesale merchants, and crypto exchanges and brokerage companies.
Operational efficiency and trust are improved with the help of sophisticated automated settlement, multi-wallet control, and advanced security. Flexible, scalable, and with crypto-to-fiat tools B2Binpay is the only provider that allows companies to reliably process digital payments while providing seamless liquidity with the fiat currency.
| Feature | Details |
|---|---|
| Supported Cryptocurrencies & Assets | Supports 350+ digital currencies — including major coins (BTC, ETH, LTC, XRP, BCH, etc.) plus many stablecoins and tokens. |
| Payment & Settlement Options | Accept crypto payments via gateway; merchants can hold crypto or convert to fiat; withdrawals possible to crypto wallets or via bank (SWIFT/SEPA) for fiat. |
| Wallet Types | Offers “Merchant wallets” (which can hold fiat or crypto, use virtual wallets + address‑per‑deposit) and “Enterprise wallets” (crypto only, on‑chain). |
| Fees | Crypto payment processing fees from ~ 0.25% to ~ 0.40% on incoming amounts (fee vary depending on volume). |
| Security & Compliance | Strong security: SSL‑encrypted API, 2FA, IP whitelists, role-based access, wallet thresholds; built-in AML/KYT compliance system. |
| Scalability & Transaction Volume | No upper‑limit on transaction volume; suitable for high-volume merchants, large enterprises, or exchanges. |
| Integration & API | Provides full-featured API for integration, invoicing, payment requests, and a dashboard for transaction monitoring — easy to integrate in websites, exchanges, services. |
| Payout Flexibility | Withdraw or convert to fiat, or send/transfer crypto; supports both one-time and recurring withdrawals. |
4. NOWPayments
NOWPayments spearheads the crowd of fiat payment processors within the crypto sector due to their versatile and entirely non-custodial approach that covers all major cryptocurrencies (100+). Such an approach allows clients to accept crypto payments while eliminating the risk of having their customers’ funds on the company’s account and all of the related issues in terms of compliance and security.
As all of the payment features provided by the system (such as payment notifications, payment automatic conversion to fiat, and system integration via API, plugins, or payment buttons) work in real time, the system genuinely suits all merchants regardless of their size.
Volume-based pricing, multi-chain payments, and the ability to configure payments to recur further improve the scope of cost and time savings. Because of the combination of non-custodial processing, automated conversion to fiat and the real-time completion of numerous diverse transactions, NOWPayments is an ideal non-custodial payment processor for any cryptocurrency company.
| Feature | Details |
|---|---|
| Supported Cryptocurrencies | 300+ cryptocurrencies (including BTC, ETH, stablecoins, many altcoins) |
| Fiat & Crypto Settlement Options | Payments go directly to merchant’s crypto wallet (non‑custodial); optional crypto‑to‑fiat conversion available via partners (fiat withdrawals require additional compliance) |
| Fees | 0.5% per transaction for same‑currency payments; 1% if multi-currency conversion is used (excluding blockchain network fees) |
| KYC / AML Policy | No compulsory KYC for merchants only doing crypto-to-crypto payments; KYC is triggered only if fiat conversion/withdrawal or suspicious activity occurs. |
| Integration & Tools | API, payment buttons/widgets, invoicing, plugins for popular e‑commerce/CMS platforms — supports quick setup for online stores, subscriptions, mass payouts. |
| Transaction & Payout Mechanics | Non‑custodial — funds go straight to merchant’s wallet; instant or near-instant payouts after network confirmation; no holding of funds by NOWPayments. |
| Best Use Case / Unique Strength | Ideal for businesses or merchants who want wide crypto‑acceptance, low-friction setup, minimal compliance overhead (if using crypto‑only flow), and flexibility — from small shops to global platforms. |
5. CryptoProcessing by CoinsPaid
Because it integrates sophisticated merchant tools with smooth crypto-to-fiat conversion, CoinsPaid’s CryptoProcessing is a premier fiat payment processor for cryptocurrency businesses.
It minimizes exposure to market fluctuations by enabling businesses to receive payments in digital assets while promptly settling in local fiat thanks to its support for numerous cryptocurrencies and stablecoins.
Along with advanced security measures, their platform provides an extensive dashboard for handling transactions, automated invoicing, and recurring payments. Businesses of all sizes may scale effectively with CryptoProcessing thanks to its worldwide reach and adaptable API interfaces.
It is an exceptional solution for processing cryptocurrency payments because of its special combination of multi-coin compatibility, real-time fiat settlement, and enterprise-grade features.
| Feature | Details |
|---|---|
| Supported Cryptocurrencies & Assets | Supports 20+ major coins (BTC, ETH, LTC, XRP, stablecoins, etc.), with ability to accept 50+ altcoins and ERC‑20 tokens. |
| Fiat & Crypto Settlement Options | Crypto payments can be auto‑converted to fiat and withdrawn to bank (SEPA/SWIFT) in over 40 fiat currencies; also option to hold crypto or manage conversions. |
| Integration & Tools | Provides API, e‑commerce plugins (e.g. for PrestaShop, Magento, Drupal), payment buttons/invoicing — enabling easy integration into websites and stores. |
| Fees & Cost Structure | Transaction fees are transparent and typically relatively low (no setup or monthly fees). |
| Compliance & Security | Operates under an EU‑license, with AML/KYB compliance, regular security audits, 2‑factor authentication, fraud monitoring, and blockchain‑based risk scoring. |
| Payout / Settlement Speed & Flexibility | Fast confirmations for crypto payments; instant or near‑instant conversion and settlement; supports withdrawals, exchanges, and recurring payouts. |
| Best Use Case / Unique Strength | Well‑suited for businesses wanting a full-featured crypto‑to‑fiat gateway: easy integration, global reach, robust compliance — letting companies accept crypto globally while receiving fiat in their bank. |
6. PayPal (Crypto Services)
Because of its extensive use and reliable financial infrastructure, PayPal (Crypto Services) is one of the top fiat payment processors assisting cryptocurrency businesses. It gives customers the ability to purchase, trade, and hold specific cryptocurrencies, giving companies a simple option to include cryptocurrency payments without requiring complicated settings.
PayPal’s instantaneous conversion to fiat guarantees that merchants may access a large worldwide client base without being exposed to volatility issues.
It is particularly appealing to companies that are new to cryptocurrency payments because of its easy integration with current PayPal accounts, safe transaction processing, and user-friendly interface. PayPal is positioned as a special option for crypto-enabled commerce because to its ease, crypto-to-fiat capabilities, and brand confidence.
| Feature | Details |
|---|---|
| Supported Cryptocurrencies & Assets (for Merchant Payments) | Over 100 cryptocurrencies including major ones like Bitcoin (BTC), Ethereum (ETH), Solana (SOL), stablecoins such as USD Coin (USDC) and Tether (USDT), plus others. |
| Settlement / Conversion Process | Crypto payments from customers are automatically converted at checkout into fiat or PayPal’s own stablecoin (PayPal USD / PYUSD), so merchants receive stable/fiat value—avoiding crypto‑price volatility risk. |
| Fees (for Crypto Payments via PayPal) | Merchants are charged a transaction fee of 0.99% on crypto payments (in the initial offering). |
| Integration & Wallet Support | Works with many major crypto wallets (e.g. MetaMask, Coinbase Wallet, OKX, among others) — making checkout flexible for customers. |
| Speed and Convenience of Checkout | Payments are processed quickly, and merchants get near‑instant settlement (in stablecoin or fiat), simplifying cross‑border and crypto‑enabled commerce. |
| Limitations / Custody & Withdrawal Rules | Crypto sent by customers is converted — merchants do not receive crypto tokens directly; withdrawals or holding of crypto as-is is typically not possible. That means the service acts as a bridge (crypto → fiat/stablecoin) rather than a custodial crypto wallet. |
| Best Use‑Case / Unique Strength | Ideal for merchants or crypto companies who want simple, low‑friction crypto payments — where customers pay in crypto, and merchants receive stable value (fiat or PYUSD) without volatility exposure, wallet management, or complex compliance overhead. |
7. Stripe
Stripe’s combination of diverse payment options and strong development tools makes it one of the finest fiat payment processors for cryptocurrency businesses, allowing for smooth integration. Stripe minimizes exposure to market volatility by enabling businesses to accept cryptocurrency payments and rapidly convert them to fiat through partnerships and specific services.
Integration with websites, apps, and marketplaces is made easy and effective by its robust API, rich documentation, and global reach. Stripe also offers personalized checkout experiences, automated invoicing, and sophisticated fraud protection. Stripe is a great option for crypto-enabled businesses because of its special blend of scalable worldwide support, dependable fiat settlement, and developer-friendly infrastructure.
| Feature | Details |
|---|---|
| Supported Crypto / Stablecoins | Accepts stablecoins such as USDC (on Ethereum, Solana, Polygon, Base), USDP (Ethereum, Solana), USDG (Ethereum) for crypto payments. |
| Settlement / Conversion Process | When customers pay with stablecoin, the amount settles into your Stripe balance in USD (i.e. fiat equivalent). |
| Integration & Payment Methods | You can integrate via Stripe Checkout, Payment Links, Elements, or Payment Intents API — same as regular card payments. No separate wallet‑handling required. |
| Recurring / Subscription & Invoicing Support | Recurring payments (subscriptions) and invoices support stablecoin payments. |
| Refunds & Payouts | Refunds are possible; for crypto‑based payments, refund goes back as stablecoins to customer’s original wallet. |
| Compliance, KYC, Fraud Protection | Stripe offers built-in compliance, identity verification (KYC), and fraud prevention mechanisms for crypto‑enabled businesses. |
| Limitations / Regional & Feature Availability | Crypto / stablecoin payments currently only available to certain businesses (e.g. US‑based businesses for stablecoin payments). |
| Best Use‑Case / Strength | Ideal for businesses already using Stripe — you can add crypto/stablecoin payments without changing existing payment stack; good for e‑commerce, marketplaces, SaaS or subscription‑based businesses wanting stablecoin support plus fiat settlement. |
8. Adyen
Because it provides a fully integrated global platform that facilitates digital currency acceptance through strategic crypto partnerships, Adyen is a top fiat payment processor for cryptocurrency businesses.
It lowers exposure to volatility by allowing businesses to receive payments in several cryptocurrencies and settle them promptly in cash. Adyen’s technology is perfect for businesses and foreign retailers since it offers sophisticated risk management, easy checkout procedures, and multi-currency compatibility.
Crypto businesses may confidently grow internationally because to its special blend of enterprise-grade scalability, robust compliance safeguards, and adaptable integration possibilities. Adyen enables companies to handle payments safely and dependably by effectively connecting cryptocurrency and traditional finance.
| Feature | Details |
|---|---|
| Crypto Payment / Cryptocurrency Support | Adyen does not support direct cryptocurrency (e.g. Bitcoin) payments. Their official documentation states that Bitcoin is not a supported payment method and there’s no plan to support crypto currently. |
| Core Payment Methods Supported | Credit/debit cards, wallets, gift‑cards, NFC wallets, QR code wallets, prepaid cards, local/international card payments — standard online and POS payment methods. |
| Fiat Settlement / Currency Handling | Fully supports global and local currency processing, with automatic currency conversion for international customers and dynamic currency conversion (DCC) at POS terminals. |
| KYC / Verification Requirements | Adyen requires identity verification (KYC) for account holders who process payments and receive payouts. Verification may be “upfront” or “staggered” based on volume or account tier. |
| Compliance & Security Standards | PCI‑DSS compliance for card payments; built-in risk management / fraud protection; secure card tokenization (network tokenization) to reduce PCI scope. |
| Use‑Case / Ideal Scenario | Suitable for businesses looking for a robust, global fiat payment platform — card payments, international customers, currency conversion — but not for businesses needing native crypto payment processing. |
9. Worldpay
Because it combines a reliable worldwide payment infrastructure with cutting-edge cryptocurrency capabilities, Worldpay is regarded as one of the top fiat payment processors assisting bitcoin businesses.
Worldpay, which is best known for processing traditional payments, allows cryptocurrency companies to include digital payments through partner solutions, lowering exposure to market volatility and enabling transactions to be promptly converted into fiat.
Its platform is appropriate for both businesses and emerging retailers because to its dependable worldwide reach, multi-currency compatibility, and strong fraud protection. Worldpay’s distinctive strength is its well-established financial network, scalability, and easy integration options, which offer cryptocurrency enterprises a safe and effective way to make fiat payments.
| Feature | Details |
|---|---|
| Crypto / Stablecoin Support | Worldpay supports stablecoin payouts and settlements — merchants can receive or pay out in stablecoins (e.g. USDC, and soon USDG on the Solana network) in addition to fiat currencies. |
| Fiat + Crypto/Stablecoin Settlement Options | Clients can be paid out in one of 135 fiat currencies or choose stablecoin payouts — offering flexibility for fiat‑native or crypto‑native businesses. |
| Payment & Payout Use Cases | Works for ecommerce, crypto exchanges, marketplaces — supports card-to-crypto purchases, crypto exchange onboarding, and global payout distribution (sellers, contractors, creators) via fiat or stablecoin. |
| Cross‑Border & Multi‑Currency Reach | Global reach — supports many currencies and cross-border payments, enabling merchants to operate internationally with both fiat and digital‑asset settlement rails. |
| Compliance & Risk Management (KYC / AML / Fraud Controls) | As a global payment acquirer, Worldpay handles compliance, fraud prevention and onboarding risk — ensuring regulatory compliance while offering crypto‑related services. |
| Best Use‑Case / Unique Strength | Ideal for crypto companies or exchanges needing a bridge between fiat and crypto — they get stability (fiat or stablecoin), global payments infrastructure, and simplified compliance without building internal on‑ramp/off‑ramp infrastructure. |
10. Payoneer
Because it specializes in international cross-border payments and large payouts, Payoneer stands out as one of the top fiat payment processors for cryptocurrency businesses, streamlining their operations.
Payoneer enables companies to efficiently deliver cash to vendors, employees, or clients worldwide by converting digital assets into local fiat through partnerships with cryptocurrency platforms. Its platform provides easy connection with current financial operations, low transaction fees, and compatibility for multiple currencies.
Payoneer’s distinct benefit is its capacity to manage large-scale international settlements with reliability, offering cryptocurrency enterprises a safe, scalable, and legal way to handle cross-border fiat payments.
| Feature | Details |
|---|---|
| Crypto / Cryptocurrency Support | Payoneer does not directly support cryptocurrency transactions — it does not facilitate buying/selling/trading crypto or act as a crypto‑to‑fiat gateway. |
| Primary Services | Offers cross‑border payments, multi-currency accounts, global payouts, mass‑payout APIs, digital payments for businesses, freelancers, marketplaces, and e‑commerce sellers. |
| Currencies & Payouts | Supports multiple fiat currencies, enables bank withdrawals or use via Payoneer‑issued debit cards (in places where supported). |
| Integration & Use‑cases | Good for freelancers/SMBs selling internationally, marketplaces, platforms needing global payout or payment infrastructure; provides APIs, payment pages, and global payout features. |
| KYC / Compliance / Restrictions | As a regulated payment service, their compliance and AML rules apply; because they do not support crypto transactions, crypto‑specific KYC or compliance flows are irrelevant in their standard offering. |
| Implication for Crypto Companies | Because Payoneer doesn’t support crypto payments or crypto-to-fiat conversion, it’s not a crypto‑payment gateway: crypto companies cannot natively use Payoneer to accept or settle crypto payments. It can only serve as a traditional fiat‑payments/envelope for non‑crypto business operations. |
Conclusion
To sum up, the top fiat payment processors for cryptocurrency businesses, including BitPay, CoinGate, B2BinPay, NOWPayments, CryptoProcessing by CoinsPaid, PayPal, Stripe, Adyen, Worldpay, and Payoneer, provide a smooth transition between digital currencies and conventional banking.
Crypto acceptance, quick fiat conversion, strong security, worldwide reach, and adaptable integration possibilities are all combined in a unique way by these platforms.
They enable seamless international transactions while reducing volatility concerns for both small and large businesses. By utilizing these processors, cryptocurrency businesses may effectively handle payments, expand internationally, and offer consumers dependable, safe, and convenient payment experiences in both fiat and cryptocurrency environments.
FAQ
What are fiat payment processors for crypto companies?
Fiat payment processors enable crypto businesses to accept digital currencies while converting them into traditional fiat currencies, reducing volatility risk and facilitating seamless transactions with customers worldwide.
Why should crypto companies use fiat payment processors?
They simplify accounting, protect against crypto price fluctuations, allow instant fiat settlement, and make it easier for businesses to scale globally.
Which crypto payment processors are considered the best?
BitPay, CoinGate, B2BinPay, NOWPayments, CryptoProcessing by CoinsPaid, PayPal, Stripe, Adyen, Worldpay, and Payoneer are among the top choices due to their security, reliability, and integration options.
