In this article, I will elaborate on the Best Crypto Payment Gateways for European Merchants, illustrating the best options for accepting cryptocurrencies in a safe and streamlined manner.
With the growth of cryptocurrencies in Europe, selecting the best gateways will assist in ensuring efficient deals, inexpensive charges, and dependable conversions to fiat currencies for businesses, regardless of size.
Key Points & Best Crypto Payment Gateways for European Merchants
| Crypto Payment Gateway | Key Features & Benefits |
|---|---|
| NOWPayments | Supports 160+ cryptocurrencies, easy API integration, plugins for WooCommerce, Shopify, and more. |
| CryptoPay | Offers prepaid cards, merchant tools, and seamless crypto-to-fiat conversion. |
| BitPay | Trusted global provider, supports Bitcoin and other major coins, includes invoicing and settlement tools. |
| Coinbase Commerce | Backed by Coinbase, integrates easily with e-commerce platforms, secure and user-friendly. |
| PayPal (Crypto) | Allows crypto payments and conversions, widely accepted, ideal for merchants already using PayPal. |
| Binance Pay | Zero-fee crypto payments, supports Binance ecosystem, fast and scalable for global merchants. |
| DePay | Decentralized payment gateway, supports Web3 wallets, ideal for DeFi and NFT platforms. |
| Coingate | Multi-crypto support, fiat settlement, plugins for major platforms, EU-compliant. |
| CoinPayments | Long-established gateway, supports 2,000+ coins, vault and POS features. |
| Shopify (via integrations) | Enables crypto payments through plugins like Coinbase Commerce and BitPay, great for online stores. |
10 Best Crypto Payment Gateways For European Merchants
1. NOWPayments
NOWPayments is a non-custodial crypto payment gateway serving European customers and offering Bitcoin, Ethereum, and stablecoin payments along with 250 more cryptocurrencies.
Payment conversion to a designated currency is seamless, and customers do not have to worry about changes in volatility. Flexibility and ease of use are apparent in our 0.5% transaction fee, versatile API, and WooCommerce, Shopify, and Magento plugins.
With no custodial limits, the merchant’s wallets are directly credited and payment records are easily integrated. HDD focuses on versatile use in European eCommerce, offering mass payouts for service distribution, recurring subscriptions, and cross-border philanthropy.
| Feature | Details |
|---|---|
| Multi-cryptocurrency support | Supports 70 + cryptocurrencies and expanding monthly. |
| Non-custodial model | Funds go directly to merchant’s wallet, not held by the gateway. |
| Auto-coin conversion | Converts customer’s crypto into the merchant’s preferred crypto/fiat. |
| Low fees | Transaction fee starting at ~0.5% plus ~0.5% exchange fee if required. |
| Plugins & integrations | Payment widget + integrations for e-commerce platforms. |
| Dashboard & tracking | Order IDs, payment tables, detailed tracking. |
2. CryptoPay
Founded in 2013, CryptoPay has become one of the most reputable cryptocurrency payment processors in Europe. It allows clients to obtain Bitcoin and other cryptocurrency payments and offers clients the option of payment in EUR, GBP, or BTC. Integration is uncomplicated via API or through payment links, catering to the needs of online retailers and independent contractors.
For convenient fund management, users can access crypto virtual cards, wallets, and a Bitcoin-to-fiat gateway. Regarded as a safe cryptocurrency payment processor, CryptoPay is trusted to offer fast settlements, quality customer service, and a reasonable fee schedule, providing European clients the elevated status of being regulated under UK law.
| Feature | Details |
|---|---|
| Global crypto payment acceptance | Accepts Bitcoin, Ethereum and other cryptos, with next-day bank settlement in fiat. |
| Mass payouts & crypto payments | Supports mass crypto payouts to vendors/employees. |
| Multi-chain & token support | Supports EVM networks (Ethereum, BSC, Polygon, Avalanche); many tokens. |
| WooCommerce / plugin support | CryptoPay plugin for WooCommerce with QR code and custom token support. |
| Fiat settlement option | Merchants can receive payments in fiat rather than hold crypto. |
3. BitPay
As a global crypto payment processor, BitPay allows European merchants to obtain Bitcoin, Ethereum, and a variety of other major cryptocurrencies. It automatically converts merchant payments to EUR or GBP, allowing them to avoid the hassle of volatile crypto prices.
For seamless integration, BitPay offers plugins for Shopify, WooCommerce, and Magento. Its invoicing tools and hosted checkout, as well as email billing offers, allow merchants to automate payment collection.
BitPay is recognized for strong security, regulatory compliance, and professional settlements. With an industry standard of 1% per transaction, businesses prioritizing instant settlements and safe regulatory positioning are assured of a top quality payment process.
| Feature | Details |
|---|---|
| Wide crypto & wallet support | Accepts 100+ cryptocurrencies and supports many wallets. |
| Automatic conversion & settlement | Converts crypto payments into fiat to shield merchants from volatility. |
| Online & in-store acceptance | Supports retail POS and online checkout via plugins/APIs. |
| Fraud/chargeback protection | Crypto’s push-only nature removes typical card-chargeback risk. |
| Tiered merchant fees | Transaction fee varies based on monthly invoice volume. |
4. Coinbase Commerce
Coinbase Commerce is an offshoot of the Coinbase ecosystem designed to allow businesses to accept global crypto payments even across Europe. Merchants can accept payments in Bitcoin, Ethereum, Litecoin, and stablecoins and can withdraw funds to their wallets, maintaining full control.
The service offers Coinbase Exchange for seamless and automatic fiat conversions to cash out and reduce crypto volatility. Merchants can set up the service through APIs, but there is also eCommerce integration through plugins for Shopify, WooCommerce, and Magento.
Being backed by one of the most trusted exchange platforms in the world, Coinbase Commerce offers reliability and compliance, making it a good option for merchants in Europe looking for an easy scalable solution for crypto payments.
| Feature | Details |
|---|---|
| Multi-currency wallet checkout | Customers pay with their preferred wallet/currency; supports many cryptos. |
| Easy onboarding & integrations | Plugins for Shopify, WooCommerce; simple setup for merchants. |
| Instant settlement to merchant wallet | Payments go directly to merchant wallet, reducing delay/volatility concerns. |
| Business transaction reporting | Provides transaction data/tools for reconciliation. |
5. PayPal (Crypto)
PayPal offers European merchants the ability to accept payments from customers using Bitcoin, Ethereum, Litecoin, and Bitcoin Cash through the company’s crypto payment functions. Even though PayPal keeps the crypto conversions and merchants get fiat, it greatly exposes the business to crypto customers.
Because of the complex integration, it is best for businesses that want a regulated and familiar gateway that is already part of PayPal’s global network. PayPal offers instant settlements and easy setup with strong buyer protection, closing the gap between traditional finance and digital assets.
Even though it is more limited than specialized gateways, it is a good first option for European merchants to enable crypto payments because of its trust and security and broad reach.
| Feature | Details |
|---|---|
| Established payments brand | Leverages PayPal’s global network and trust among users. |
| Crypto payment acceptance | Enables merchants to accept crypto via PayPal’s system (where available). |
| Fiat conversion by default | Merchants often receive fiat rather than directly hold crypto (depending on region). |
| Familiar checkout experience | For many customers, paying via PayPal is well-known and trusted. |
6. Binance Pay
Binance Pay is a no-cost, cross-border payment solution offered by Binance, a leading cryptocurrency exchange. European merchants can receive more than 200 cryptocurrencies directly from customers’ Binance wallets, avoiding middlemen and conversion charges.
Binance Pay enables contactless exchanges and is instantly configurable for eCommerce websites and storefronts using QR codes and APIs. It also facilitates peer-to-peer payments and transfer loyalty programs. This makes it easy for businesses to engage customers.
Binance Pay is perfect for European enterprises requiring reliable and inexpensive global cryptocurrency transactions, as it operates, uncompromisingly, on high standards of infrastructure and security.
| Feature | Details |
|---|---|
| Zero-fee or low-fee payments | Merchants can benefit from lower transaction costs when accepting crypto. |
| Global user base access | Leverages Binance’s large ecosystem to reach crypto-native customers. |
| QR code & API integration | Supports payment via QR codes, online API for merchant checkout. |
| Merchant settlement flexibility | Merchants can receive crypto payments and choose settlement options (crypto/fiat) depending on region. |
7. DePay
DePay is a payment interface designed to automate crypto payment processes by allowing direct peer-to-peer transactions and avoiding intermediaries.
Completely designed on Web3, it utilizes cryptocurrency smart contracts to automatically redeem incoming tokens for a payment cryptocurrency or stablecoin of the merchant’s choosing, allowing instant settlement and no exposure to the cryptocurrency market’s volatility.
It is easy for merchants in Europe to interface with DePay using APIs or pre-built connectors for Shopify and WooCommerce. It operates across several blockchains, such as Ethereum, Polygon, and BNB Chain. European merchants adopting real-time payment systems powered by blockchain technology will find DePay to be an excellent solution.
| Feature | Details |
|---|---|
| Non-custodial, wallet-to-wallet payments | Payments go directly into merchant’s wallet with no intermediary custody. |
| Instant settlement & no chargebacks | Merchants get immediate cash-flow; payment model prevents typical chargebac |
| Broad wallet & token support | Works with 100+ wallets (MetaMask, Trust Wallet etc) and many tokens. |
| Web3-native integration | Designed for blockchain-native merchants needing full decentralised checkout |
8. Coingate
Founded in Lithuania in 2014, Coingate is among Europe’s oldest and most trusted crypto payment processors. It caters to 70+ cryptocurrencies with automatic EUR, USD, or BTC conversions.
Coingate integrates with major eCommerce tools, including WooCommerce, PrestaShop, and Magento. Merchants enjoy flexible pay-out, instant settlement, and a 1% transparent processing fee.
Coingate is known for cross-border compliance, responsive support, and multi-language dashboards. Coingate’s support for Lightning Network payments makes it one of the best choices in Europe, as it significantly reduces the cost and time to send Bitcoin payments.
| Feature | Details |
|---|---|
| Multi-crypto acceptance & fiat settlement | Accept crypto, then settle to EUR/GBP/USD, reducing volatility risk |
| Advanced API & white-label options | Provides virtual ledgers, mass payouts, full API for PSPs/commerce. |
| Integrations for e-commerce | Works with major platforms; offers hosted checkout, invoicing. |
9. CoinPayments
CoinPayments has one of the longest histories in the crypto payment processing industry, serving over 70,000 merchants and accepting payments in over 2,000 cryptocurrencies for European businesses, who can also choose to settle in cash or crypto.
There’s automatic coin conversion, shopping cart plugins, and hosted checkout. CoinPayments has the lowest rates in the industry with a cost of only 0.5% to process payments, while also providing custodial wallets and a mobile app for simplified transaction controls.
Given its flexible integrations, compliance with European regulations, and wide-ranging presence, it is well suited for eCommerce, retail, and digital services wanting to seamlessly integrate diverse crypto payment solutions on multiple blockchains.
| Feature | Details |
|---|---|
| Accepts hundreds of cryptocurrencies | Direct payments in many alt-coins, broad token coverage. |
| E-commerce plugin support | Integration via Shopify, WooCommerce for quick setup. |
| Built-in wallet + fiat conversion | Offers custodial merchant wallet and optional conversion to fiat. |
10. Shopify (via integrations)
Shopify allows European merchants to accept crypto payments and integrate with gateways like Coinbase Commerce, BitPay, and NOWPayments. Merchants can accept payments in Bitcoin, Ethereum, and other altcoins directly on their storefronts.
Merchants can choose to hold crypto or receive fiat instantly through automatic conversions. For merchants, Shopify’s crypto payment ecosystem provides a smooth checkout experience with transparent fees and a global reach.
For online retailers wanting to expand their payment methods and lower the technical setup burden, this is ideal. Shopify’s wide range of partnerships and flexible integrations provide seamless access to the crypto economy for European merchants.
| Feature | Details |
|---|---|
| Integration-friendly | Supports crypto payment gateways (e.g., Coinbase Commerce, CoinPayments) within Shopify checkout. |
| Unified storefront management | Merchants can manage fiat and crypto payments in the same Shopify admin environment. |
| Broad merchant eco-system | Tap into Shopify’s large network, making crypto payments part of mainstream checkout. |
Conclusion
To sum up, European merchants can accept digital currencies through payment gateways like NOWPayments, CoinGate, BitPay, and Binance Pay, which provide secure, cost-effective, and adaptable alternatives.
The simplified integration, compliance management, and fiat settlement system offered by these platforms allow European businesses to target global clientele and confidently immerse themselves in the expanding crypto digital economy.
FAQ
What is a crypto payment gateway?
A crypto payment gateway allows merchants to accept cryptocurrencies like Bitcoin or Ethereum as payment for goods or services.
Are crypto payments legal in Europe?
Yes, crypto payments are legal in most European countries under EU regulatory frameworks like MiCA.
Which crypto payment gateway has the lowest fees?
NOWPayments and CoinPayments typically offer fees as low as 0.5%.
Can I receive payments in euros instead of crypto?
Yes, gateways like BitPay, CoinGate, and Coinbase Commerce allow automatic fiat conversion.
Which gateway supports the most cryptocurrencies?
CoinPayments and NOWPayments support hundreds of coins and tokens.
