In this article, I am going to explore the Best Crypto + Fiat Payment Gateways in Southeast Asia, focusing on platforms that enable transactions in both cryptocurrencies and traditional money.
With the rapid expansion of business in the region, it is imperative to select a gateway that is able to offer secure transactional processing
Support multi-currency, and provide seamless integration. These are the top solutions and the are increasing merchant’s opportunities.
Key Poinst & Best Crypto + Fiat Payment Gateways In Southeast Asia
| Payment Gateway | Key Points |
|---|---|
| Payeer | Supports both fiat (USD, EUR, RUB) and crypto (BTC, ETH, USDT); low fees; fast processing |
| CoinPayments | Global crypto gateway; supports 2,000+ coins; strong presence in Southeast Asia; easy merchant integration |
| NOWPayments | Non-custodial; supports 100+ cryptocurrencies; automatic fiat conversion; ideal for e-commerce |
| BitPay | One of the oldest crypto gateways; supports BTC, ETH, stablecoins; fiat settlement in local currencies |
| CoinGate | Offers crypto + fiat payments; supports BTC, LTC, ETH; API integration for businesses |
| 5PAY | Recognized as top APAC gateway; strong compliance and security; tailored for forex/CFD brokers |
| Xendit | Indonesia-based; strong fiat gateway; expanding crypto support; popular among SMEs |
| Nium (Instarem) | Singapore-based; embedded finance; cross-border fiat + crypto solutions; trusted by banks |
| VNPay (VNLife) | Vietnam’s leading fintech; fiat payments with growing crypto acceptance; strong local adoption |
| MoMo (M_Service) | Vietnam’s mobile wallet; fiat-first with crypto integration emerging; large user base |
10 Best Crypto + Fiat Payment Gateways In Southeast Asia
1. Payeer
Payeer provides services for crypto transactions as well as fiat transactions and payment processing for cryptocurrency and foreign currency exchanges.
It provides seamless transfer, receiving, and exchanges for various currency including US dollars, Euros, and Bitcoin.
Payeer provides integration for APIs, customized payments, and digital exchanges. Payeer provides quick processing and low fees, attracting many small businesses which are looking to expand internationally.
Payeer provides services such as transfer accounts and internal transfers which are useful for ecommerce, trading, and digital courses.
Payeer emphasizes account security and transactional risk, providing South East Asia with reliable digital payment infrastructure.
Payeer – Key Features
Multi-Currency Support– Payment in multiple fiat currencies (USD, EUR) and cryptocurrencies.
Built-In Exchange– Instant exchange between fiat and crypto at competitive rates.
Merchant API– Simplified integration for eCommerce, trading solution, and SaaS platforms.
Mass Payouts– Process payments in bulk for affiliates, employees, or vendors.
Processing Speed and Affordability– Appropriate for SME in South East Asia for affordable settlement.
2. CoinPayments
As a trusted multi-coin compatible payment processor, CoinPayments is among the largest globally. CoinPayments has enabled businesses within Southeast Asia to process auto-fiat conversions and accept over 2000 cryptocurrencies.
Merchants can easily adapt and benefit from plugins compatible with Shopify, WooCommerce, and Magento.
Outstanding vaulting, cold storage, and low fee transactions all contribute to heightened security and low costs.
Businesses can expand at a global scale without the limitations often set by banks due to the payment processor’s regional settlement services.
CoinPayments is a great fit for Southeast Asian crypto-enabled merchants for its reputation, dispute-free transactions, and straightforward dashboard and API tools.
CoinPayments – Key Features
2,000+ Crypto Support– Great for global crypto audience and merchants.
Instant Fiat Conversion– Automatically converts crypto payments to fiat reducing volatility.
E-Commerce Plugins– Collaboration with Shopify, WooCommerce, Magento, and more.
Secure Coin Vaults– Safe protecting merchants funds with cold storage.
Low Transaction Fees– High volume merchants are interested in cheap costs.
3. NOWPayments
NOWPayments is a blockchain-based payment processing solution that is fully non-custodial in nature. It provides support for over 200 digital currencies for users in Southeast Asia.
They do settlement in either local fiat currencies or stablecoins in order to mitigate crypto-asset price volatility.
API enabled with additional modules for popular e-commerce systems and POS instruments, facilitate service to clients of any size: from one-man users to large distributors.
Automatic service provisions with conversion and mass payment systems attract participations from companies with SaaS, gaming and marketplaces.
For merchants in Southeast Asia who desire a modern, borderless payment systems, NOWPayments emphasizes privacy with zero custody, and global cross-border trade.
NOWPayments – Key Features
Non-Custodial Payments– Merchants have full control of their funds with no custody risk.
200+ Crypto Options – Users can accept an extensive list of cryptocurrencies with automatic coin swapping.
POS, API & Plugins – Integrations for physical stores, websites, and tailored solutions.
Fiat Settlement Options – Offers payments in fiat or stablecoins to hedge against volatility.
Mass Payout Tools – Designed for use in gaming, affiliate marketing, and international SaaS services.
4. BitPay
BitPay is a prominent crypto payment processor across the globe with a focus on compliance, enterprise-grade infrastructure, and crypto-to-fiat settlement capabilities.
BitPay enables businesses in Southeast Asia to accept bitcoins, Ethereum, and stablecoins crypto with instant settlement in the local currency.
BitPay provides invoicing, hosted checkout, and API tools to ease fraud prevention for merchants.
Advanced fraud prevention ensures a seamless payment settlement safekeeping all parties. BitPay also supports crypto prepaid cards
Which allows businesses, as well as their customers, the ease in spending their digital assets. For Southeast Asia Businesses and Large Merchants Trust Bitpay.
BitPay – Key Features
Enterprise-Grade Security – Highly regarded by large corporations when it comes to regulated cryptocurrency payments.
Instant Crypto-to-Fiat Settlement – Offers payments in local currency to avoid unwanted volatility.
Hosted Checkout & Invoices – Simplifies payment processes for eCommerce and online services.
Fraud Prevention Tools – Safe transactions with no risk of chargebacks.
Crypto Cards Support – Users can spend cryptocurrency using their prepaid debit cards and digital wallets.
5. CoinGate
Southeast Asian merchants can take advantage of CoinGate’s pliable cryptocurrency payment gateways with integrations, supports of numerous cryptocurrencies, and easy settlements of fiat currencies.
CoinGate enables businesses to obtain payout settlements of either cryptocurrency or fiat currencies, namely Euros or US Dollars. CoinGate has plugins for e-commerce websites and has APIs and POS systems for digital and physical merchants.
The system has reduced the volatility associated with cryptocurrencies by providing instantaneous conversions and takes charge of transactions, enabling merchants to receive the protective benefits of revenue loss.
Loyalties and benefits associated with frequent transactions are available to merchants and customers.
As businesses need to update their cross-border payment systems, CoinGate’s global network, fast settlement of transactions, and low costs are also appealing.
CoinGate – Key Features
Multi-Coin Payments – Allows payments in several cryptocurrencies as well as stablecoins.
Fiat Payouts – Merchants can receive settlements in EUR, USD, or in cryptocurrencies.
E-Commerce Integrations – Available integration modules for Shopify, PrestaShop, and WooCommerce.
Real-Time Conversion – Mitigating currency risk during the payment for the user.
Recurring Billing – Helpful for subscriptions, especially in SaaS platforms.
6. 5PAY
5Pay is a recently approved payment system on the fast track for the hybrid payment gateway and can operate on cryptocurrencies and fiat currencies to service digital businesses for Southeast Asia.
5Pay can operate quickly and easily with small to medium enterprises, e-commerce systems, and fintech start-up companies by providing payment services for their customers using 5Pay’s merchant dashboards and easy APIs.
5PAY offers the international cross-border services that are in demand for this region. 5Pay offers low-cost and fast payment service systems to merchants.
5Pay is the only gateway for the Southeast Asia region that brings together the different payment systems for the region.
5Pay is the only accessible system offering low-cost and fast payment service systems. 5Pay has a settlement system that utilizes stable crypto currencies to flatten transactional service costs.
5PAY – Key Features
Hybrid Crypto + Fiat Support – Made for Southeast Asian businesses that require multi-currency processing.
Instant Settlements – Quick clearing for merchants and platforms.
API-First Design – Custom payment flows are easy for developers to integrate.
Stablecoin Support – Cross-border efficiency improves and volatility drops.
Affordable Fees – Digital merchants, SMEs, and startups find it appealing.
7. Xendit
Xendit, a Southeast Asian payment gateway, has a strong fiat payment sector and growing crypto related payment offerings.
A range of payment options including credit cards, e-wallets, bank transfers, QRIS, and recurring billing are available through Xendit and are accessible in Indonesia, the Philippines, Malaysia, and Vietnam.
Startups and enterprises alike favor Xendit for tools for instant settlements, compliant tools, and scalable APIs. While not a crypto payment processor directly
Xendit has partnered with compliant fintechs in order for crypto platforms to manage their fiat on/off ramps.
With strong regional uplocks, solid uptime, and clear prices, Xendit is a credible service for Southeast Asian businesses functioning with fiat.
Xendit – Key Features
Comprehensive Fiat Rails – Functions with e-wallets, cards, bank accounts, and QR payments within SEA.
Crypto-Friendly Infrastructure – Empowers compliant crypto businesses with fiat on and off-ramps.
High Uptime & Fast Settlements – Guarantees seamless payment processing for large enterprises.
Scalable Developer APIs – Best for subscription platforms, marketplaces, and fintechs.
Fraud & Compliance Tools – Does this to protect businesses in tightly regulated markets.
8. Nium (Instarem)
Nium, previously Instarem, is a global payment platform with cross border fiat payment offerings and expanding support for crypto businesses.
With Nium, businesses can experience real time international transfers, multi currency accounts, and API driven frameworks customized for fintechs and enterprises in Southeast Asia.
Within Southeast Asia, Nium has strong coverage in Singapore, Indonesia, Malaysia, and Vietnam.
Nium assists businesses in scaling globally while also facilitating compliant, low cost international payments to be made.
offers compliant fiat on and off ramps, global remittance, and crypto payment cards, which is beneficial to businesses in the growing digital economy.
Nium (Instarem) – Key Features
Global Multi-Currency Accounts – Supports efficient cross-border fiat payments.
Crypto Platform Integration – Provides on/off-ramp solutions, card issuance, and fiat rails.
Regulated in Multiple Countries – Guarantees secure transaction compliance within SEA.
Real-Time International Transfers – Promotes swift settlements for merchants.
API-Based Payment Infrastructure – Ideal for enterprises and fintechs with global scalability.
9. VNPay (VNLife)
VNPay offers most of the payment services available in Vietnam (including QR payments, Banking as a Service, wallets, and merchant tools for payments), and is one of the largest payment ecosystems in Vietnam.
Although VNPay is primarily a fiat payment processor, VNPay is an important partner for crypto-related businesses that require compliant deposit and withdrawal services in Vietnam.
VNPay offers instant QR payments, direct bank payments, and ecommerce integrations that allow businesses to easily gain access to VNPay’s multi-million user base.
As VNPay is one of the payment service companies in Vietnam that has a large network of partner banks and merchants, VNPay has good coverage and accessibility in the fintech services. For businesses in Vietnam that operate in a regulated environment,
VNPay is a payment service provider that offers a good mix of fintech services that allows seamless digital transactions. VNPay remains a good partner for these businesses.
VNPay (VNLife) – Key Features
Banking Integrations: Partnering with most Vietnamese banks facilitates smooth transfers.
Merchant Tools & E-Commerce Support: Assists local businesses in easily accepting fiat payments.
High User Penetration: Millions of Vietnamese consumers can be accessed.
Fast & Secure Settlements: Reliable operations within Vietnam are guaranteed.
10. MoMo (M_Service)
MoMo is an e-wallet that is popular in Vietnam and provides e-wallet services used by tens of thousands of people every day.
MoMo does not process crypto directly nor does it transact in crypto. However, it is an important provider for services that process fiat for crypto-related platforms in Vietnam.
MoMo also provides mobile payments, bill payments, in-app payments, merchant payments via QR codes, and is useful for any business that wants to serve consumers in Vietnam.
MoMo increases the merchant conversion and provides fast flows for the merchant checkouts. MoMo is a fast growing digital and is an important player in the payments offered in Vietnam.
MoMo (M_Service) – Key Features
Top Vietnamese E-Wallet: Most popular choice for daily transactions and online shopping.
Merchant QR Support: Allows fast and seamless payment acceptance for offline and online retailers.
Strong Fraud Prevention: Payment-related risks are mitigated for peace of mind.
Large User Base: Extensive reach for brands in the Vietnamese market.
Conclusion
Conclusion. To enhance security, comply with regulations, and provide seamless user experiences, payment platforms should implement AI-driven crypto risk scoring tools.
Companies can safely scale and automate global fraud detection with tools that identify and analyze patterns in blockchain transactions and assess risk in real time.
As crypto becomes more ubiquitous, intelligent risk engines will be critical to sustaining trust in adaptive digital payments.
FAQ
What are AI-driven crypto risk scoring tools?
They are systems that use AI and blockchain analytics to detect fraud, suspicious activity, and compliance risks in crypto transactions.
Why do payment platforms need these tools?
They help reduce fraud, meet regulatory requirements, and ensure safer transactions for users and merchants.
How does AI improve crypto risk scoring?
AI analyzes patterns, wallet behavior, and transaction history in real time to identify high-risk activity faster and more accurately.
Can these tools detect money laundering?
Yes. They use AML algorithms, address screening, and behavioral analytics to flag potential money laundering attempts.
Do they support multiple blockchains?
Most leading tools support major blockchains like Bitcoin, Ethereum, BNB Chain, and more, depending on the provider.
