Comparisons
Crypto payment gateways compared (2026): networks, settlement and MiCA status
The main crypto payment gateways for merchants in 2026 are CoinGate, BitPay, Triple-A, NOWPayments, Cryptomus, CoinPayments and Plisio. Coinbase Business serves only the US and Singapore, and CryptoProcessing's Lithuanian entity has suspended its crypto services. For EU merchants the deciding factor is MiCA: on 30 October 2026, CoinGate, BitPay and Triple-A were in the ESMA register of authorised CASPs, and the other gateways were not.
Crypto payment gateways at a glance, checked on official sites on 2 November 2026
| Gateway | Networks | Coins and stablecoins | Settlement | Licensing | Coverage |
|---|---|---|---|---|---|
| CoinGate | Bitcoin, Lightning, Ethereum, Arbitrum, Base, Optimism, Polygon, BNB Smart Chain, Solana, Tron, XRP, Litecoin, Dogecoin, Bitcoin Cash | 10+ assets, including USDC and EURC | Crypto, stablecoins, or EUR, GBP or USD to a bank account on a regular schedule | MiCA CASP and payment institution, Bank of Lithuania (CASP since 16 December 2025) | EU-authorised; serves merchants internationally |
| BitPay | 6 networks, including Bitcoin, Ethereum and Solana | 100+ cryptocurrencies, including USDC | Fiat bank settlement the next business day (USD, EUR, GBP and more), crypto, or a mix | MiCA CASP, Dutch AFM (16 July 2026); NYDFS virtual currency licence | US and EU entities |
| Triple-A | Stablecoin networks; not listed individually | Stablecoin-focused | Stablecoins or local currency to a named IBAN; payouts in 30+ local currencies | MiCA CASP, French AMF (21 May 2026), and ACPR payment institution; MAS Major Payment Institution; FinCEN MSB; FINTRAC registration | Sells to 140+ countries; payouts across 70+ countries |
| NOWPayments | Many chains, listed per coin | 350+ crypto assets and 75+ fiat currencies | Crypto with auto-conversion; fiat via off-ramp payouts | Not in the ESMA register | Global, outside the EU's MiCA regime |
| Cryptomus | Documented networks include Bitcoin, Ethereum, Tron, BNB Smart Chain, Polygon, TON, Litecoin, Dogecoin, Bitcoin Cash, Dash and Monero | 100+ cryptocurrencies | Crypto | Not in the ESMA register; FINTRAC imposed an administrative monetary penalty of CAD 176,960,190 on operator Xeltox Enterprises Ltd. (confirmed 16 October 2025; under appeal to the Federal Court) | Global |
| CoinPayments | Many chains, listed per coin | BTC, ETH, stablecoins and 40+ cryptocurrencies | Crypto, stablecoins or fiat to a bank account | Not in the ESMA register; services via PaidInSatoshi Inc. (Panama) and Centauri Pay LLC (US) | 180+ countries |
| Plisio | Not listed on the homepage | 15+ coins | Crypto, with conversion | Not in the ESMA register; operated by Plisio, Inc. | Global |
| Coinbase Business | Base and other Coinbase-supported networks | USDC focus | Instant stablecoin settlement | Coinbase Luxembourg is a MiCA CASP (20 June 2025), but Coinbase Business is not offered in the EU | US and Singapore only |
| CryptoProcessing (CoinsPaid) | Not listed on the homepage | 20+ cryptocurrencies, including BTC, LTC and USDC | Crypto or fiat to a bank account | Not in the ESMA register; Lithuanian entity Dream Finance UAB has temporarily suspended all crypto-asset services | Depends on jurisdiction (US, Canada and Estonia entities) |
| OrsunPay (our product; orchestration layer, not a provider) | Whatever your connected gateways support | Whatever your connected gateways support | Through your connected gateways | Not a CASP; does not hold or transmit funds | One API, webhooks and hosted checkout across gateways |
How do crypto payment gateways compare in 2026?
The market split in 2026. In the EU, the MiCA transitional period ended on 1 July 2026, so a gateway now needs CASP authorisation to serve EU merchants. Regulated players such as CoinGate, BitPay and Triple-A emphasise fiat settlement and compliance. Crypto-native gateways such as NOWPayments, Cryptomus and Plisio compete on coin coverage, mostly for customers outside the EU.
We checked every fact in this comparison on the gateway's own website on 2 November 2026, and licensing against the ESMA interim MiCA register as updated on 30 October 2026, when it listed 389 CASPs. We left out anything we could not confirm on an official page. Pricing is quoted per merchant, so ask each gateway for a quote.
Which crypto payment gateways are licensed under MiCA?
Only firms listed in the ESMA register may provide crypto-asset services to EU clients. Coinbase also holds a MiCA authorisation in Luxembourg, but its merchant product, Coinbase Business, is available only in the US and Singapore. NOWPayments, Cryptomus, CoinPayments, Plisio and CryptoProcessing were not listed on 30 October 2026.
| Gateway | Authorised entity | Authority | Authorisation date |
|---|---|---|---|
| CoinGate | UAB Decentralized | Bank of Lithuania | 16 December 2025 |
| Triple-A | Paytop SAS | AMF, France | 21 May 2026 |
| BitPay | BitPay B.V. | AFM, Netherlands | 16 July 2026 |
| Coinbase | Coinbase Luxembourg S.A. | CSSF, Luxembourg | 20 June 2025 |
Which networks and coins do crypto gateways support?
Coin counts range from about 15 at Plisio to 350+ at NOWPayments, but for most merchants the important part is stablecoins on cheap networks. CoinGate lists USDC on Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base and Optimism, plus Bitcoin Lightning. BitPay supports 100+ coins on 6 networks. Triple-A and Coinbase Business focus on stablecoins, with Coinbase built around USDC and its Base network.
Check that the networks your customers use are supported for both payments and payouts, and what happens when a customer pays on the wrong network.
What are the drawbacks of each crypto gateway?
Every option has trade-offs. These are the ones merchants most often run into.
- CoinGate: fiat settlement runs on a regular schedule; on-demand settlement only on certain plans
- BitPay: crypto list is broad, but only 6 networks
- NOWPayments: no MiCA authorisation, so not an option for regulated EU checkout flows; fiat relies on off-ramp payouts
- Triple-A: focuses on stablecoins rather than broad coin coverage
- Coinbase Business: not available to merchants in the EU
- Cryptomus: no MiCA authorisation; FINTRAC imposed an administrative monetary penalty on its operator for contraventions of Canada's anti-money-laundering law, which the operator has appealed
- CoinPayments and Plisio: no MiCA authorisation
- CryptoProcessing: the Lithuanian entity's crypto services are suspended, so check which entity would serve you
Which crypto payment gateway is right for your business?
Start from where your customers and your company are. An EU company selling to EU customers needs an authorised CASP, which narrows the shortlist to CoinGate, BitPay and Triple-A. A company outside the EU selling globally can weigh coin coverage and price more heavily, as long as the gateway passes its own compliance review.
Then match settlement to your accounting. If you want euros on your bank statement, compare fiat payout terms first. If you hold crypto deliberately, compare custody, withdrawal limits and network coverage. Platforms and marketplaces should check API depth, sub-merchant models and white-label pricing.
Can you use more than one crypto payment gateway?
Yes, and many merchants do: one regulated gateway for EU customers and fiat settlement, another for wider coin coverage elsewhere, or a second gateway as a fallback. The cost is two integrations, two status models and two reconciliation files.
OrsunPay can sit over your own gateway accounts as an orchestration layer, presenting them in one checkout with one webhook format and routing by country or currency. Custody, conversion and compliance stay with each gateway.
Frequently asked questions
What is the best crypto payment gateway for business?
It depends on where you operate. EU merchants need a MiCA-authorised gateway such as CoinGate, BitPay or Triple-A, while businesses outside the EU can also consider NOWPayments, Plisio or CoinPayments for wider coin coverage.
Which crypto payment gateways are licensed in the EU?
As of 30 October 2026 the ESMA register lists CoinGate, BitPay and Triple-A as authorised CASPs, and Coinbase for its exchange business. NOWPayments, Cryptomus, CoinPayments, Plisio and CryptoProcessing were not listed.
Is Coinbase Commerce still available?
Coinbase Commerce pages now lead to Coinbase Business, which Coinbase says is available only in the US and Singapore, with plans for more markets.
Is Cryptomus regulated?
On 16 October 2025, Canada's FINTRAC confirmed an administrative monetary penalty of CAD 176,960,190 on its operator, Xeltox Enterprises Ltd., for contraventions of the Proceeds of Crime (Money Laundering) and Terrorist Financing Act. Xeltox Enterprises Ltd. has appealed the penalty to the Federal Court.
Is CryptoProcessing still operating?
Its website states that Dream Finance UAB in Lithuania has temporarily suspended all crypto-asset services, including onboarding new clients. Logins remain listed for its US, Canada and Estonia entities.
Can a crypto gateway pay out in euros?
Several can. CoinGate settles in EUR, GBP or USD, BitPay in USD, EUR, GBP and more the next business day, and Triple-A to a named IBAN in stablecoins or local currencies.
How is OrsunPay different from a crypto gateway?
OrsunPay is a payment orchestration platform: you keep your own contracts with licensed providers (for example Stripe, Adyen or Worldpay), and OrsunPay is not a payment institution, acquirer or merchant of record and does not hold or transmit funds. For OrsunPay pricing, see the pricing page at /pricing.
Explore OrsunPay
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- ESMA: interim MiCA register of CASPs (CSV, updated 30 October 2026) (checked 2 November 2026)
- ESMA: Markets in Crypto-Assets Regulation (checked 2 November 2026)
- CoinGate: accept crypto payments (checked 2 November 2026)
- CoinGate: supported currencies (checked 2 November 2026)
- BitPay: business (checked 2 November 2026)
- BitPay: licenses (checked 2 November 2026)
- Triple-A: homepage and licensing disclosures (checked 2 November 2026)
- NOWPayments: homepage (checked 2 November 2026)
- NOWPayments: supported coins (checked 2 November 2026)
- Cryptomus: homepage (checked 2 November 2026)
- Cryptomus API docs: list of services (checked 2 November 2026)
- FINTRAC: administrative monetary penalty on Xeltox Enterprises Ltd. (Cryptomus) (checked 2 November 2026)
- CoinPayments: homepage (checked 2 November 2026)
- Plisio: homepage (checked 2 November 2026)
- Coinbase Business (checked 2 November 2026)
- CryptoProcessing: homepage and legal notice (checked 2 November 2026)