10 Best AcryptoPay Alternatives 2026: Top Crypto Payment Options

Considering the growing popularity of cryptocurrency, businesses are looking at far more than one payment system and trying to find platforms that best meet their requirements.

Best AcryptoPay Alternatives have more versatility, support more cryptocurrencies, have better rates, and higher levels of integration designed for today’s merchants.

Whether you have an online shop, SaaS company, or an international service, the right cryptocurrency payment processor can streamline the checkout process, improve security, and make scaling easier as the payment industry evolves.

What Is AcryptoPay?

A cryptocurrency payment gateway called AcryptoPay was created to assist companies in swiftly and safely accepting payments made using digital currencies. It makes it easier for businesses to serve both international and cryptocurrency-native clients by allowing them to accept payments in well-known cryptocurrencies and stablecoins through a straightforward checkout procedure.

Typically, AcryptoPay provides capabilities that enable easy connection with websites and e-commerce platforms, including wallet-based payments, invoice creation, API connectivity, and plugins for online storefronts.

AcryptoPay helps businesses reduce transaction costs, prevent chargebacks, and facilitate speedier cross-border payments while preserving transparency through blockchain technology by lowering reliance on traditional banking systems.

Key Point & Best AcryptoPay Alternatives List

Platform	Key Points / Features
BitPay	Established crypto payment processor; supports BTC, BCH, ETH; merchant tools; invoicing; secure wallets.
Coinbase Commerce	Easy crypto payments for merchants; supports multiple coins; integrates with e-commerce platforms; non-custodial.
CoinGate	Accept BTC, LTC, ETH, and other altcoins; instant settlement to fiat; invoicing and payment buttons; API support.
Nexo	Crypto-backed payment solutions; earn interest on crypto; instant credit lines; wallet services for businesses.
Circle	USDC stablecoin payments; fast and low-cost cross-border transfers; API for businesses; regulatory compliant.
NOWPayments	Supports 100+ cryptocurrencies; auto coin conversion; e-commerce integration; non-custodial; recurring payments.
PayPal (Crypto)	Allows buying, selling, and checkout with crypto; limited coin support; easy fiat conversion; trusted global brand.
Binance Pay	Crypto payments with Binance ecosystem; low fees; multi-coin support; P2P payment options; wallet integration.
Kraken Pay	Via Kraken Exchange; supports multiple coins; secure payment gateway; merchant invoicing; compliance-focused.
Stripe (Crypto Beta)	Accepts select cryptocurrencies; integrates with Stripe checkout; beta version; easy fiat conversion; developer-friendly.

1. BitPay

Because of its strong and safe cryptocurrency payment infrastructure designed for companies of all sizes, BitPay stands out as one of the greatest AcryptoPay substitutes. Established in 2011, it minimizes volatility concerns by providing quick conversion to money and seamless acceptance of major cryptocurrencies like Bitcoin, Ethereum, and Bitcoin Cash.

Comprehensive merchant features, including as invoicing, payment buttons, and point-of-sale integration, which make cryptocurrency adoption easier without requiring technical know-how, are its special strength.

Additionally, BitPay offers sophisticated security measures that guarantee secure transactions, like two-factor authentication and multi-signature wallets. It is a great option for companies looking for effective cryptocurrency payments because of its worldwide reach, dependability, and user-friendly interface.

BitPay Features

1. Launched first crypto payment/wallet and currently has global licenses for 3 payment processors.
2. Payment processor for 14+ cryptos including e.g. stablecoins.
3. WooCommerce, Magento Shopify plugins, POS, and Hosted Checkout.
4. Supports subscriptions and recurring billing.
5. Vault feature and price locking.

Pros

1. Large merchants trust BitPay for their compliance, reputation, and billing reliability.
2. Quick and reliable settlement and invoice management.
3. Enterprise-grade dashboards and reports.
4. Supports subscriptions and recurring billing.
5. Price locking lowers volatility of assets.

Cons

1. More expensive for smaller merchants. (~1% + fixed fee).
2. Support for smaller, niche tokens is lacking relative to newer gateways.
3. Slow customer service.
4. Complex custom integrations.
5. Lacks some advanced UX features of newer API competitors.

2. Coinbase Commerce

Probably the best alternative to AcryptoPay, Coinbase Commerce is a payment gateway made to serve merchans worldiwde who wish to offer customers the option to pay with cryptocurrency. Unlike the former which functions as a payment gateway, Coinbase Commerce lets users receive cryptocurrency directly into their wallets, and thus own their funds.

Users are able to receive payments in various cryptocurrencies such as BTC, ETH, LTC, and USD Coin, and are able to integrate their stores on Shopify, WooCommerce, and Magento on which payments can be processed and invoices automatically generated.

Users who keep their crypto after cryptocurrency payments are processed are called custodial users, meaning Coinbase Commerce is non-custodial. Coinbase Commerce is a service offered to merchants cryptocurrency payments, and makes it easy with a low-cost service, a fully supported service, and a low-cost service.

Coinbase Commerce Features

1. Allows merchant crypto checkout with non-custodial wallets.
2. Provides plugins and APIs for major eCommerce platforms like Shopify, WooCommerce, Magento.
3. Supports more than just the major crypto currencies like BTC, ETH, and USDC.
4. Optional fiat or stablecoin settlements.
5. Backed by Coinbase exchange infrastructure

Pros

1. User-friendly onboarding and merchant setup.
2. Protect customer information & optimal regulatory compliance.
3. Greater trust and infrastructure availability.
4. Low if not zero fees when settled in crypto.

Cons

1. Little advanced customization & UI features.
2. Limited automation in fiat conversion (manual conversion).
3. Fewer coins supported than some gateways.
4. Signup process could take some time in certain areas.
5. No advanced subscription management or white label options.

3. CoinGate

CoinGate competes head to head with AcryptoPay because of the ability that businesses have when they want to accept crypto payments worldwide.

It supports Bitcoin, Ethereum, Litecoin, and over fifty other cryptos and provides instant conversion to fiat or cryptocurrency, allowing for easy access to funds without worrying about volatility.

Merchants have access to payment buttons, invoices, pos, apis for online stores and other services in the toolbox.

For companies of any size, the seamless transition is a business positive. Merchants and businesses are able to effortlessly manage their crypto payments and transactions. This is where the flexibility, reliability, and adaptability to the secure payment channel stands out.

CoinGate Features

1. Multi-channel ecommerce integrations and plugins available.
2. Supports ~70 different cryptocurrencies.
3. SEPA/EUR and other fiat options available.
4. User friendly API & managed payment hosting.
5. Checkout available in multiple languages.

Pros

1. Assists in meeting the needs of diverse customers.
2. Seamless with major ecommerce platforms.
3. Simplifies accounting for the merchant.
4. Safe & reliable in EU market for crypto payment gateways.
5. Fees are competitive and clearly laid out.

Cons

1. No discounts available for higher volume.
2. No recurring billing feature.
3. User interface not as modern as some in the industry.
4. Including but not limited to limited reporting tools.
5. Not ideal for very large enterprise volumes without custom contracts.

4. Nexo

Nexo is a notable AcryptoPay competitor due to its unique mixture of financial services and digital asset management. businesses can accept cryptos and, at the same time, get instant credit lines and flexible crypto-backed loans to provide merchants liquidity without needing to sell their assets.

What stands out the most is their integrated wallet ecosystem, and high-yield verification with real-time conversion to and from crypto to fiat, thus addressing volatility. They have military-level security and insurance on the assets they hold. Their simplicity, versatility, and accessibility to the entire world make them a crypto payment great choice for any business.

Nexo (Payment Gateway) Features

1. Nexo has a broader financial ecosystem that includes a crypto payment gateway.
2. Nexo enables cryptocurrency payments also for asset mgmt
3. Nexo provides businesses with opportunites for white-labelling crypto payments.
4. Nexo has a complete ecosystem with cards and loans.
5. Nexo also has business accounts and prime brokerage.

Pros

1. Full-blown crypto ecosystem platform with payments and wealth offerings.
2. Offers strong liquidity due to their large institutional backing.
3. Business accounts are able to combine their payments with loans as well.
4. White-labelling for custom payments solutions.
5. The gateway is accompanied by a crypto card and other spend tools.

Cons

1. Compared to other payment processors, their gateway is somewhat lacking.
2. For businesses, their payment processing is not as revolutionary as other companies. (General industry context)
3. Differences in fees and some other details depending on region/merchant.
4. More thorough integration will be required with Nexo.
5. Less focus on payments than other companies that primarily focus on payments.

5. Circle

Circle, built for rapid, flexible, and secure cryptocurrency payments, is an irreplaceable alternative for AcryptoPay. As a business, not having to worry about price volatility is a boon, and we get to do this with Circle’s greatest advantage, USDC, a fully backed stablecoin.

Fully customizable, automated payments, invoicing, and cross-border transactions, details can be found on the Integrated APIs. Circle is designed with compliance in mind, ideal for clientele from all over the world.

What this service also has are instant transactions and great visualizations to get you started. For all the features Circle brings, there is an undeniable sense of speed and adherence to guidelines. For all the reasons mentioned and more, Circle has a special place for all business to consider.

Circle (via USDC/Payments) Features

1. USDC stablecoin rails for payments and settlements.
2. Cross‑blockchain and treasury management.
3. Built for global, real‑time, and instant settlements.
4. Payment and payout integration APIs (Circle Payments). (Implied)
5. USDC governance is strong and regulatory compliant.

Pros

1. Almost zero volatility when merchants are paid using USDC.
2. Enterprise-grade compliance & transparency.
3. Rapid global payment processing.
4. Programmable cash flows are configurable.
5. Highly integrated with fintech infrastructure.

Cons

1. Primarily stablecoin‑centric, thus not a complete multi‑coin gateway.
2. More developer/enterprise focused compared to plug and play systems.
3. Compared to true pure payment gateways, weak direct e‑commerce plugins.
4. Some technical prowess needed for usability.
5. Payment Gateway is not widely advertised as such.

6. NOWPayments

NOWPayments has been able to process over 100 different cryptocurrencies with minimal problems. The feature that stands out the most is the automatic coin conversion functionality that lets merchants minimize their exposure to market fluctuations when pa\yping with their currency of choice.

The platform is extremely useful for service-oriented and e-commerce businesses that require things like subscription recurring payments, donation buttons, and payment request invoicing. Merchants are able to retain complete control of their funds since the platform is a non-custodial wallet platform.

The platform has straightforward integrations with popular eCommerce platforms and custom API integrations. NOWPayments is a simple and reliable payment processing platform for accepting cryptocurrencies that is highly valued for its customer support, competitive transaction costs, and user-friendly interface.

NOWPayments Features

1. Over 300 cryptocurrencies accepted.
2. Non-custodial gateway with API and widgets.
3. Multiple settlement option availability (crypto/ stablecoin/ instant auto-convert).
4. Starting fees are low (approximately 0.5%).
5. Tools are simple to use for fast and easy deployment.

Pros

1. Token support ranges very widely.
2. Fees are lower than most competitors.
3. No KYC verification for small merchant sales.
4. Great for new startups and crypto-centric projects.
5. Excellent API and simple to integrate with other software.

Cons

1. User experience features are basic and lack things like mobile apps and saved methods.
2. Users may become confused by the time limit on invoices.
3. Automation for fiat payout may differ by country.
4. Less available for enterprise reporting tools.
5. Brand is less established than competitors like BitPay and Coinbase.

7. PayPal (Crypto)

The PayPal (Crypto) option for AcryptoPay competitors is without a doubt the best choice for consumers and businesses looking for a payment processor that connects the worlds of digital and traditional currency.

PayPal is one of the most trusted and widely used payment processors, and integrated with their platform, consumers can buy, sell, and engage in transactions using a digital wallet that contains Bitcoin, Ethereum, Litecoin, and Bitcoin Cash.

PayPals own accounts being integrated allows consumers to make payments in cryptocurrency without the need for additional, often unnecessary, wallets. Merchants can mitigate volatility risk with PayPals instant conversion to fiat currency, and consumers have the option to make payments in the way they are most comfortable.

PayPal (Crypto) is without a doubt the optimal option for businesses that want a fully regulated, compliance oriented platform for providing digital asset payments to consumers.

PayPal (Crypto / Pay with Crypto) Features

1. Support for more than 100 cryptocurrencies for business payments (Expected in the USA)
2. Compatibility with leading crypto wallets.
3. Initial small charge per transaction ~0.99%.
4. Users can keep and gain interest in PYUSD.
5. Uses PayPal’s international payments system.

Pros

1. Existing merchant network is enormous.
2. Easy platform for merchants & customers alike.
3. Reduced costs compared to some card payments.
4. Funds can be accessed almost immediately.
5. Yield can be earned on stables.

Cons

1. Supporting crypto transactions is still in beta and not available to all regions.
2. Costs go up after the initial promotional offer.
3. Not many crypto-related options available.
4. Based on PayPal accounts.
5. Limitations in flexibility for merchant payouts.

8. Binance Pay

Binance Pay is an excellent option for anyone looking for an alternative to AcryptoPay. It is purpose-built for fast, secure, and lowest-cost cryptocurrency payments in the Binance ecosystem.

It is the only service in the market today that allows users and merchants to transact and have volatile crypto assets converted instantaneously to reduce volatility overall.

Additionally, Binance Pay allows users to send and receive payments seamlessly, offers merchant utilities, and integrates with users’ Binance wallets, which is important for facilitating payments in any country.

Binance Pay is designed for users’ crypto payment needs. It allows them to accept payments in any digital currencies as a result of the ability to transact across multiple coins. With fast payments, low fees, and ease of use, Binance Pay is a market leading payment service.

Binance Pay Features

1. Merchant and peer-to-peer crypto payments are available with 100+ coins.
2. Users can utilize QR codes and tap-to-pay.
3. The users can make quick crypto payments with no gas fees.
4. Merchants can easily accept payments by integrating with Binance Pay.
5. Access to over Binance’s 40 million users. )

Pros

1. Cheaper transfer options available.
2. Consumer payments can utilize various supported assets.
3. Works well with users heavily invested in the Binance ecosystem.
4. Easy to use for consumers with crypto wallets.
5. QR payments are commonly accepted.

Cons

1. Not a dedicated fiat payout gateway.
2. Some jurisdictions experience regulatory issues.
3. Lacks some business functionality
4. Adoption of the Binance Pay app is required.
5. Settlement to bank accounts is indirect.

9. Kraken Pay (via Kraken Exchange)

For companies looking for safe and flexible cryptocurrency payment options, Kraken Pay, accessible via the Kraken Exchange, is a dependable substitute for AcryptoPay.

It enables merchants to take payments worldwide while controlling volatility through rapid conversion choices by supporting several major cryptocurrencies, such as Bitcoin, Ethereum, and stablecoins. Leveraging Kraken’s reputation for high security, regulatory compliance, and cutting-edge trading technology to ensure secure and transparent transactions is its unique strength.

Kraken Pay makes cryptocurrency adoption simple with its minimal fees, real-time reporting, and simple interaction with websites and point-of-sale systems. Kraken Pay is a great substitute because of its reliability, multi-coin compatibility, and merchant-friendly features.

Kraken Pay Features

1. Kraken’s payments through new apps such as Krak — crypto + fiat.
2. Real-time peer‑to‑peer payments within 300+ assets.
3. Dedicated spend accounts.
4. Potential cards and broader pay products coming.
5. Kraken’s exchange & license infrastructure.

Pros

1. Strong exchange backing.
2. Cross‑asset payments in one app.
3. Built‑in fiat + crypto flexibility.
4. Instant settlement for users.
5. Expanding ecosystem (cards, finance).

Cons

1. Still new and in progress — less of an established player when compared to peers.
2. Merchant‑centric features are limited in scope (invoicing).
3. Region rollout can vary.
4. There is limited plugin support for e‑commerce currently.
5. There is a possibility you will need a Kraken account.

10. Stripe (Crypto Beta)

Stripe (Crypto Beta) is a unique alternative to AcryptoPay. It streamlines the acceptance of cryptocurrency payments into everyday online payments and offers e-commerce businesses and developers a simple solution.

The ability to use the full suite of Stripe services, as well as the ability to accept other forms of payment (in addition to the crypto offerings), with no extra setup required is a significant benefit.

The platform converts crypto to fiat currency automatically, mitigatadng the risk associated with crypto volatility, and offers simple API integrations for all web and app services, including subscriptions.

Stripe’s corporate transparency and security make it a prime offer for any sized business. Taking into account its reliability and focus on distributing a modern streamlines crypto payment system, Stripe (Crypto Beta) is the best option.

Stripe (Crypto Beta) Features

1. API crypto & stablecoins payment acceptance (USDC).
2. Cross border stablecoins movement & payouts.
3. Pre‑built on existing Stripe infrastructure.
4. Custom wallet infrastructure & treasury tools.
5. Marketplace & fintech tools.

Pros

1. API & toolsets for developers.
2. Global Compliance & Availability.
3. Integrated solution for credit + crypto payments.
4. No price fluctuations when settling.
5. Uses Stripe’s fraud & risk systems.

Cons

1. Beta, thus mainstream adoption is limited.
2. Plug-and-play solution is not ready.
3. Less comprehensive crypto gateways.
4. It is limited to stablecoins.
5. No dedicated wallet UI other than the API.

Benefits of Choosing a Cryptocurrency Payment Gateway

Payments Without Borders

Businesses that implement cryptocurrency payment gateways are able to accept payments from virtually anywhere in the world. With the help of blockchain technology, cross-border transactions are seamless, and they are processed much more quickly and efficiently than traditional payment methods. This is especially important for countries and regions that have low banking and financial infrastructure.

Transaction Fees are Lower

While traditional payment processors and credit cards have a standard and relatively high fees, the opposite is usually true with cryptocurrency payment gateways. In fact, most of the time, they are vastly lower. Cryptocurrency payment processors help companies cut costs by eliminating intermediaries (banks, card networks, etc.), improving profit margins, and allowing companies to have lower prices.

Payment Settlement is Quicker

The settlement of payments crosses the border in a matter of minutes. This is in contrast to traditional banking methods that can take several days to complete transactions. For digital services and other global merchants, being able to quickly access funds is beneficial to improving the companies’ cash flow.

Security and Protection from Fraud are Improved

The technology of blockchain deposits are highly secure and fraud is a concern of the past . This gives merchants a high sense of confidence and protects them from losing money from disputed transactions.

Capturing a Growing Crypto-Native Customer Base

Accepting cryptocurrency allows tech-savvy and crypto-native customers to utilize a decentralized form of currency, attracting a unique segment of the market. Opening the muscle of innovation within brands to tech forward and evolving markets is a differentiator.

Multiple Payment Experiences

Most modern payment gateways allow the keeping of funds in a multiple crypto, a stable coin, and a fiat currency. This allows merchants to reduce the friction that some customers may have to be able to checkout and complete purchases.

Simple to Adapt and Grow

Most gateways to cryptocurrency provide APIs and pre-built plugins to popular commerce sites. This simple setup allows the company to effectively grow their payment system.

Payment Tracking

Crypto record each transaction on a distributed ledger, which allows the business to easily track each payment, account for their payment, and have financial reporting requiring minimal effort.

Conclusion

2026 will be the year when businesses will need to efficiently and reliably accept digital assets, securely and at scale. Complying with digital commerce, AcryptoPay is being used by many.

However, all businesses will have to find alternatives more suited to their use case, whether it is lower fees, support for more coins, integrating easily, fiat settlements, or DeFi-first payments.

More established alternatives include BitPay, NOWPayments, and Coinbase Commerce. They provide ecosystems, multi-currency support, and e-commerce plugins, and are good candidates for businesses in all tiers.

In the same way, CoinGate and BTCPay Server have transactional flexibility and provide different verticals with their services, regulated fiat conversions and full self-custody control. Compliance is the strength of more peripheral integrations like Plisio and TripleA.

FAQ