With 704 million crypto users worldwide, crypto transfer and adoption in 2025 have gained major momentum. It is now much easier to accept crypto as a business and target new markets and cater to a wider audience. Stablecoins have become a preferred cryptocurrency for businesses and customers thanks to their steady value. Globally, 30,000 merchants, including Subway, Starbucks, and BMW, now accept stablecoin payments.
The best part? Businesses don’t have to build anything from scratch or own a crypto license. All they need to do is partner up with a crypto payment gateway provider for the following features:
Hosted virtual accounts and stablecoin wallets
Accept popular cryptocurrencies and stablecoins with select blockchain networks
Automatic crypto-to-fiat or fiat-to-crypto conversion
Secure and competitive exchange rate
Streamline checkout pages for improved conversion rates
What is a crypto payment gateway, and how does it work?
A crypto payment gateway works as a payment processor for cryptocurrencies, allowing businesses to accept crypto as payment. Some crypto gateways make it easy to accept crypto as a business so that they directly receive fiat currencies, EUR/USD/GBP, in exchange without needing to hold the cryptocurrencies. The gateways technically work as an intermediary between the two parties when making a transaction, whether the payment is done online or through a PoS.
Step 1: Software integration
To begin, businesses need to integrate the payment gateway into their platform with an API or a hosted payment page. The setup can take anywhere between a few days to weeks, depending on the complexity of the platform. Similarly, a physical device is required for in-store, physical payments that integrate with the PoS system.
Step 2: Payment system
When making payments, customers are presented with the option to pay with their preferred cryptocurrency and the wallet address to send the payment to. If the crypto payment gateway provider has integrations with popular wallet providers, then customers can make direct payments to the wallets.
Step 3: Payment processing
Once the crypto payment gateway provider processes the transaction, the payment is then verified to ensure the merchant received the exact amount.
Step 4: Payment confirmation
After the payment confirmation on the network, the provider then notifies the customer and the merchant about the successful payment.
How to choose the best crypto payment provider for your business?
Besides ensuring the crypto payment gateway provider is trusted and reputable in the industry, there are a few more pointers to keep in mind.
Fee structure breakdown
Most providers' fee ranges anywhere between 0.5% to 3% and is usually a flat fee per transaction. In general, crypto payment fees cost around 1% and for international currencies, the gateways often add a markup to the exchange rate. The payer also needs to pay the network fee.
Settlement time
Although the processing and settlement timing in crypto payments is near instant, the actual time can vary depending on the blockchain network. For this reason, working with a payment processor that uses multiple blockchains can mitigate the delays. Some providers offer a payment guarantee before the transaction is verified on the network.
Deployment and integration complexity
Businesses need to choose partners that provide low-code, API, or hosted payment page solutions to reduce tech burden. These are fast and easy to deploy with a minimal integration process. Moreover, merchants have more flexibility and control over their payments due to the customized solution.
Customer experience
Since crypto payment processes are still evolving, it’s important to simplify the experience for the users. The process should include minimal clicks and an intuitive user journey to improve the conversion rate. Additionally, the customer experience also includes a well-resourced customer support team.
Regulatory compliance
Finally, the most important and non-negotiable on the list. To ensure safe operations, it’s important to note that the providers are licensed with a trusted risk and compliance team for oversight.
Top crypto payment providers in 2025
Swapin
Swapin is a fast, secure, and licensed payment processing provider from the EU. Established in 2017, Swapin is a pioneer in crypto-bank transactions. Today, Swapin is one of the best crypto gateways for online stores in 2025 and offers a range of products for buying crypto and withdrawing crypto to banks, as well as solutions for businesses to accept and integrate crypto payments into their platforms.
Website: https://www.swapin.com/
Bitpay
BitPay is one of the oldest cryptocurrency companies, launching in 2011. The company aims to transform how merchants and individuals send, receive, and store money. Their business features eliminate fraud chargebacks, reduce payment processing fees, and allow global payments in cryptocurrency. Additionally, it offers consumers a digital asset management solution that includes a wallet and a card.
Website: bitpay.com
CoinPayments
Launched in 2013, CoinPayments allows merchants and individuals to accept crypto payments. The platform was one of the first to offer multi-currency payments and now integrates with online stores, e-commerce platforms, and POS systems, providing flexibility and convenience for both merchants and customers.
Website: https://www.coinpayments.net
Stripe
Stripe is a payment processing platform founded in 2010. The platform makes it easy to accept crypto as a business and integrate payments into their platform. Stripe has a strong reputation in the market and offers reliable fraud prevention tools that comply with AML regulations.
Stripe allows businesses to scale with over 450 integrations with CRM platforms, POS systems, and CMS solutions.
Website: https://stripe.com
The global crypto market is growing rapidly, offering investment platforms a chance to attract modern investors and extend deposit options. With crypto payment providers, you can offer secure, hassle-free crypto deposits without any integration required.
