Selecting the appropriate payment gateway is essential for companies looking for easy, safe, and adaptable transactions in the quickly changing cryptocurrency market of today.
Best Cryptoflow Pay Alternatives has good functionality, many merchants look at other options to have better integrations, lower costs, or more cryptocurrency support.
In order to assist businesses in finding dependable, creative, and effective solutions that are suited to their particular payment requirements, we have highlighted the Best Cryptoflow Pay Alternatives in 2026.
What is CryptoFlow Pay?
CryptoFlow Pay is a cryptocurrency payment gateway, a service that uses blockchain technology to assist companies in accepting and processing cryptocurrency payments online.
By managing the transaction, tracking, and settlement in a safe and transparent manner, it serves as a conduit between consumers making payments using digital currencies (such as Bitcoin or Ethereum) and retailers.
With features like multiple coin compatibility, real-time payment confirmation, and possible conversion to fiat currency for shops, these gateways streamline the acceptance of cryptocurrencies.
Key Point
| Platform | Key Features |
|---|---|
| BitPay | Multi-coin support, invoicing, POS tools, merchant dashboard |
| Xaigate | Secure crypto checkout, merchant tools, cross-border payments |
| NOWPayments | Wide crypto support, lightweight API, payment widgets |
| CoinGate | Plugins (WooCommerce, Shopify), reporting, fiat settlement |
| Coinbase Commerce | Wallet-to-wallet payments, easy integration, self-custody option |
| BTCPay Server | Open-source, no processing fees, full privacy control |
| Triple-A | Compliance-ready, enterprise tools, global fiat payouts |
| Crypto.com Pay | Fast checkout, CRO incentives, mobile-friendly payments |
| SpicePay | Real-time fiat conversion, global payouts, simple setup |
| Cryptomus | Invoicing, merchant API, wallets, auto-payments |
1. BitPay
BitPay is one of the most established processors worldwide, established in the Atlanta in 2011, and has served merchants across the globe for over 10 years.
It processes most cryptocurrencies, including Bitcoin, Bitcoin Cash, Ethereum, and stablecoins, and supports multiple fiats (USD, EUR, etc.)
Payments are processed at 1% and 1% NFTs. There is also a option for direct bank fiat conversion.
BitPay helps with invoicing, accounting, and PCI compliant secure, making it highly rated for mid to large leve firms that wish to receive payments securely and in a regulated m manner. Because of its established reputation and adoption, it is a preferred Cryptoflow Pay Alternatives.
BitPay Features
- Globally trusted by numerous merchants as a pioneering crypto payment processor.
- Accepts major cryptocurrencies, stablecoins, Ether, and Bitcoin.
- Automatic fiat refunds in USD, EUR, and other currencies.
- Accounting integrations, invoicing, and POS tools.
- Security, fraud prevention, and compliance at the enterprise level.
BitPay
| Pros | Cons |
|---|---|
| Widely trusted and established since 2011 | Fees can be higher than some competitors |
| Strong merchant tools (POS, invoicing, accounting) | Mainly supports major cryptocurrencies |
| Optional fiat conversion into local currencies | KYC/AML requirements for larger payouts |
| Enterprise-grade security and compliance | Not fully non-custodial |
2. Xaigate
Xaigate is a current cryptocurrency payment gateway suited for international and transborder trade. It offers real-time settlements and low costs systems to clients accepting popular altcoins and stablecoins like USDT or USDC and Bitcoin.
Merchat is able to skip KYC for fast and easy onboarding without compliance complexities. Merchants of all sizes can accept and convert payments in crypto in real time acquiring instant liquidity.
The company specializes in real time payments and has a wide asset coverage. For these reasons it is fast coming to be known as one of the best on the payment cryptoflow circuit.
Xaigate Features
- Recently developed crypto payment gateway, specifically for cross-border payments.
- Supports Bitcoin, stablecoins, and other significant altcoins.
- Flexible compliance and rapid merchant onboarding.
- For websites and apps, API-based integration is available.
- Includes volatility protection and optional fiat settlement.
Xaigate
| Pros | Cons |
|---|---|
| Fast onboarding and flexible compliance options | Relatively newer in the market |
| Supports stablecoins and major crypto assets | Smaller ecosystem compared to legacy providers |
| Optional fiat settlement | Limited third-party integrations |
| API and e-commerce ready | Less publicly audited security documentation |
3. NOWPayments
NOWPayments, established in 2019, is a non-custodial cryptocurrency payment processor that supports 300+ cryptocurrencies and offers a seamless integration of APIs, plugins, and online store widgets.
With a competitive fee of 0.5%–1%, they also offer automated rate conversion. Users of through this payment gateway fiat and crypto currencies from merchants but with a seamless crypto conversion.
Being non-custodial means that the processor has no control over the merchants currency, and as such, transactions on the blockchain can be conducted without a risk of intermediaries.
This, in conjunction with the numerous crypto assets that can be transacted with, is why they are a top contender in the likes of Best Cryptoflow Pay Alternatives for the multitude of online and crypto based businesses globally.
NOWPayments Features
- Non-custodial crypto payment gateway.
- Supports more than 300 cryptocurrencies and crypto tokens.
- Payment widgets, lightweight API, and various plugins.
- Features of auto-converting, and fiat payout are optional.
- During transactions, merchants can secure their wallets.
NOWPayments
| Pros | Cons |
|---|---|
| Supports 300+ cryptocurrencies | Optional auto conversion sometimes adds fees |
| Non-custodial (merchant retains wallet control) | Some advanced features require technical setup |
| Easy API, plugins, and widgets | Smaller customer support team |
| Flexible payout options | Not as enterprise-oriented as some peers |
4. CoinGate
CoinGate is a European crypto payment processor that provides several services to merchants that incorporate utility plugins to billing dashboards and multi-currency support for various e-commerce services.
They endorse around 70 cryptocurrencies as well as optional monetary settlements for around 1% transaction fees. Given the ease of compliance and licensing for the European Union, CoinGate is a more attractive processor for European and global businesses.
They particularly cater to bricks and mortar and e-commerce businesses that want to accept cryptocurrency while keeping streamlined accounting. With advanced analytics, reporting and invoicing, CoinGate ranks as one of the Best Cryptoflow Pay Alternatives.
CoinGate Features
- Licensed as a crypto payment processor in the EU.
- More than 70 cryptocurrencies are available for use.
- Contains plugins for Magento, Shopify, and WooCommerce.
- Multiple currencies are available being optional for fiat settlement.
- Excellent tools for advanced invoicing and reporting.
CoinGate
| Pros | Cons |
|---|---|
| EU-licensed and compliant | Not the widest range of supported coins |
| Plugins for major e-commerce platforms | Fiat conversion options may vary regionally |
| Reporting and advanced merchant tools | Fees similar to mainstream gateways |
| Multi-currency payments | UI can feel less modern than some rivals |
5. Coinbase Commerce
Coinbase Commerce is from one of the largest exchanges, Coinbase. Merchants can accept payments in crypto and have the money go directly into their wallets. These merchants have full custody of their funds.
Riding on the larger Coinbase ecosystem, Coinbase Commerce supports the major cryptos, Bitcoin, Ethereum, Litecoin, and the stablecoins, charging a typical 1% fee. There is no mandatory conversion into fiat, which is favorable to merchants who want to hold crypto.
Coinbase Commerce integrates seamlessly with Shopify and WooCommerce, which is a plus for many online merchants. There is also 2-factor verification, which crypto merchants need. For these reasons and the brand’s reputation, Coinbase Commerce is a Best Cryptoflow Pay Alternatives.
Coinbase Commerce Features
- Payment provider for cryptocurrency backed by a cryptocurrency exchange.
- Crypto payments are conducted directly from one wallet to another.
- There is no default custody of merchants’ funds.
- Seamless connection with all leading e-commerce providers
- Exceptional safety due to Coinbase’s support
Coinbase Commerce
| Pros | Cons |
|---|---|
| Direct wallet-to-wallet payments | No automatic fiat conversion unless routed externally |
| Backed by major exchange credibility | Limited to Coinbase-supported assets |
| Easy integration with popular platforms | Not fully non-custodial if using hosted wallets |
| Strong security infrastructure | Merchant features less advanced than some |
6. BTCPay Server
BTCPay Server charges business owners no fees outside of network fees due to the customizability and self-hosting options. For Developers and businesses that wish to cut out the middle-man and custodial risk, it works seamlessly.
With a business focused to help entrepreneurs have a decentralized option, it processes both on-chain and lightning payments. While self-hosting does incur some extra security risks, it also offers greater security.
For businesses that value autonomy over ease of use and setup, BTCPay Server is the Best Cryptoflow Pay Alternatives.
BTCPay Server Features
- Fully functional, open-source, self-hosted payment processor
- No fees besides those associated with the network
- Complete control over the funds and keys as a merchant
- Bitcoin and Lightning Network compatible
- Censorship-resistant and privacy-preserving
BTCPay Server
| Pros | Cons |
|---|---|
| Zero processing fees (only network fees) | Requires self-hosting and technical setup |
| Full fund control for merchants | No dedicated fiat conversion built in |
| Open-source and private | Less turnkey for basic businesses |
| Supports Bitcoin & Lightning | No native support for many altcoins |
7. Triple-A
Triple-A is a licensed crypto payment institution established in 2020 that provides fully compliant global payments and fiat settlement services. They provide companies who require stringent compliance and cross-border payment capabilities to receive and send payments worldwide.
They have a strong regulatory presence owing to their US, EU and Singapore licenses. They provide competitive rates (~1.5%) with some services having fixed exchange rates. Triple-A has merchant APIs, pay-by-link, enterprise risk control and compliance management.
Other fintechs and larger companies can benefit a lot due to their focus on structured, compliant, and low volatility payouts. They provide some of the best crypto pay alternatives in the market.
Triple-A Features
- Institution providing payments in cryptocurrency under full regulatory protection
- Payout and settlement options available in more than 150 currencies
- Stability in pricing due to fixed exchange rates
- Advanced, full-featured compliance and operational APIs
- Designed primarily for large and highly regulated organizations
Triple-A
| Pros | Cons |
|---|---|
| Fully regulated with compliance support | Fees can be higher due to regulation costs |
| Enterprise-grade payout and settlement options | Best suited for larger businesses |
| Fixed exchange rates reduce volatility risk | Fewer plugins compared to others |
| Strong global infrastructure | Onboarding can take longer |
8. Crypto.com Pay
As part of Crypto.com’s offerings, Crypto.com Pay is designed to include 400+ cryptocurrencies, which users can get, pay, and trade. Merchants benefit from instant transactions and offer customer rewards, and for customers, the rewards system is a benefit.
Crypto.com Pay is designed for quick and easy customer onboarding using a mobile app, website plugins, and other tools. Geo Expansion is a priority for Crypto.com, and they have surrounding security infrastructure.
Crypto.com Pay is a good Best Cryptoflow Pay Alternatives option for retailers and applications because of the popularity of their rewards system.
Crypto.com Pay Features
- Within the Crypto.com set of products
- Enables quick online and mobile payment crypto checkout
- Supports incentive and rewards programs
- Merchants have plugin options, and users are worldwide.
- Excellent protection and compliance are fully regulatory
Crypto.com Pay
| Pros | Cons |
|---|---|
| Integrated with popular Crypto.com ecosystem | Rewards vary by region and plan |
| Fast mobile and global checkout experience | Not as crypto-agnostic as some |
| Strong existing user base | Fiat settlement may require additional steps |
| Incentives for users and merchants | Fees depend on merchant tier |
9. SpicePay
SpicePay has been around for a while, and processes mainstay cryptocurrencies like Bitcoin, plus a few minor ones, seamlessly, and quickly. SpicePay adapts to merchants’ needs, giving them the option to convert bitcoins into fiat or to store them for a while, for a moderate fee between one to two percent.
SpicePay is geared especially for smaller online merchants, and pairs with several payment processors to make rapid BTC payment to merchants effortless.
While other payment processors do offer a few more coins, the adaptability to different merchants makes SpicePay a leading option for merchants in the Best Cryptoflow Pay Alternatives.
SpicePay Features
- Makes the acceptance of cryptocurrency payments easier for businesses
- Supports Bitcoin and a number of other cryptocurrencies
- Offers a real-time option for converting crypto to fiat.
- Great for quick and secure payments and crypto transaction processing.
SpicePay
| Pros | Cons |
|---|---|
| Simple payment solution for merchants | Supports fewer cryptocurrencies |
| Real-time fiat conversion | Less comprehensive analytics |
| Easy API integration | Smaller market presence |
| Focus on secure payments | Fewer advanced features |
10. Cryptomus
Cryptomus is a multi-currency crypto processor that provides merchant APIs, invoices, and wallets to facilitate business payment acceptance. The fees are based on a sliding scale from approximately 0.6-2% based on services, with support offered to a limited range of popular tokens.
Customizability, strong merchant dashboarding, and analytics and reconciliation tools are hallmarks of Cryptomus focusing on online stores and SaaS use cases and their need for reporting and flexible integrations.
While Cryptomus does offer fewer supporting tokens when compared to some of the larger players, the proprietary features that Cryptomus supports, along with their merchant tool sets, truly positions Cryptomus as one of the Best Cryptoflow Pay Alternatives.
Cryptomus Features
- Processes payments in multiple currencies and cryptocurrencies
- Supports merchant fees, invoicing, and APIs
- Capable of mass and automated payouts
- Optimized for online retail and SaaS businesses
Cryptomus
| Pros | Cons |
|---|---|
| Multi-currency support and wallets | Fees can vary based on usage tier |
| Merchant APIs and invoicing tools | Not as large ecosystem as bigger rivals |
| Auto-payment and payouts | Less public documentation on compliance |
| Designed for e-commerce & SaaS | Smaller community support |
Criteria for Choosing the Best Cryptoflow Pay Alternatives
Supported Cryptocurrencies
Go with gateways that support many different virtual currencies like widely accepted coins and tokens to give customers more payment choices and keep your system current.
Settlement Options
You will want to consider whether the solution provides Crypto, stable coins, or fiat settlements which will mitigate the risk on volatility and be more in line with your company.
Fees and Pricing Structure
Here you will want to consider a clear and predictable cost structure like transaction, conversion, withdrawal fees, and affordable processing and no hidden fees that would erode margins.
Integration and Compatibility
Make sure that your solution easily integrates with all major e-commerce platforms and shopping cart APIs enabling smooth payment processing on all web and app point of sale.
Compliance and Regulation
For sure go with these providers who do KYC and AML and smarter licensing so you can remain with the appropriate risk profile for your jurisdiction.
Security and Custody
For sure consider the design of the security framework whether it be non-custodial or enterprise grade custody models to safeguard funds and inspire confidence.
Conclusion
Your specific situation will determine the best alternative to Cryptoflow Pay. Established merchants require a trusted gateway, which BitPay is after integrating for a long time and having built complex tools for merchants.
If you require a flexible, crypto-agnostic processor, you will find NOWPayments to be suitable for having broad token support and non-custodial processing.
Integrating e-commerce platforms will find CoinGate and Coinbase Commerce connections easy, while BTCPay Server is the best option for those privacy-focused businesses who wish to have no processing fees and remain fully self-custodial.
Triple-A is built for enterprises who need to remain compliant and require regulated outflow, while Crypto.com Pay is for retail and mobile-centric merchants. SpicePay and Cryptomus are relatively simpler, cutting in a straightforward crypto acceptance to merchants, while Xaigate is modern and API flexible enough for cross-border commerce, having all the essential tools.
Lastly, while BitPay, NOWPayments, CoinGate, and Coinbase Commerce are proxies to the best in terms of reliability and features, there simply is no best answer. Based on your use case like e-commerce, SaaS billing, or POS, I could share a narrow down option to you.
FAQ
What is a Cryptoflow Pay alternative?
A Cryptoflow Pay alternative is any crypto payment gateway or processor that can replace Cryptoflow Pay for accepting, processing, or managing cryptocurrency payments. These alternatives offer different features like multi-coin support, fiat conversion, merchant tools, and API integrations depending on business needs.
Which platforms are considered the best alternatives in 2026?
Some of the top alternatives include BitPay, Xaigate, NOWPayments, CoinGate, Coinbase Commerce, BTCPay Server, Triple-A, Crypto.com Pay, SpicePay, and Cryptomus — each suited to different business sizes, security preferences, and integration requirements.
Do all alternatives support fiat conversion?
No. Some, like BitPay, CoinGate, Triple-A, SpicePay, and Stripe (Crypto), include fiat conversion options, while others like BTCPay Server are purely crypto-centric and require external solutions for fiat settlement.
Which alternative is best for e-commerce?
For most online stores, BitPay, CoinGate, Coinbase Commerce, NOWPayments, and Cryptomus are excellent choices due to easy integration with Shopify, WooCommerce, Magento, and other platforms.
What’s the best option for privacy-focused merchants?
BTCPay Server is ideal for merchants who want maximum privacy and control. It’s open-source and self-hosted, with zero processing fees and full custody over funds.
Are these alternatives secure?
Yes. Leading alternatives implement industry-standard security measures such as encryption, two-factor authentication (2FA), private key control (in non-custodial gateways), and compliance with AML/KYC regulations where applicable.
