Stablecoin payments are no longer experimental. In 2026, stablecoins process over $1.8 trillion in monthly volume, and 39% of online merchants now accept some form of cryptocurrency. For businesses looking to accept USDC, EURC, or other stablecoins, the choice of payment gateway matters. Fees, supported chains, settlement options, and ease of integration vary significantly between providers.

This guide compares the leading stablecoin and crypto payment gateways available to merchants today, with verified pricing and features as of March 2026.

What to look for in a stablecoin payment gateway

Before comparing providers, it helps to know which criteria matter most for your business:

Transaction fees: the percentage and/or fixed fee charged per payment
Supported stablecoins: USDC, EURC, USDT, DAI, and others
Blockchain support: which chains your customers can pay from
Cross-chain capability: whether payments from different chains are automatically bridged to your preferred chain
Settlement options: crypto wallet, fiat bank deposit, or both
Integration method: widget embed, API, or plugins for Shopify and WooCommerce
Geographic availability: some gateways restrict which countries merchants can operate from

1. Fivo

Fivo is a stablecoin payment gateway built on Circle infrastructure. It focuses exclusively on USDC and EURC payments across 9 EVM chains, with automatic cross-chain bridging powered by Circle CCTP.

Fee: 0.5% on withdrawals only. No per-transaction fee, no monthly fee, no setup cost
Supported stablecoins: USDC (9 chains), EURC (Ethereum, Base, Avalanche)
Chains: Ethereum, Polygon, Base, Arbitrum, Avalanche, Optimism, Linea, Unichain, Sonic
Cross-chain: automatic via Circle CCTP. Customers pay from any chain and funds arrive on the merchant's preferred chain
Settlement: USDC/EURC to merchant wallet. Withdraw anytime
Integration: one script tag embed, REST API, or hosted checkout links
Availability: global, no country restrictions for merchants

Fivo's main differentiator is cross-chain support across 9 EVM networks. A customer on Arbitrum can pay a merchant on Polygon without either party worrying about chain differences.

Best for: merchants who want stablecoin payments with the widest chain coverage and lowest fees. Ideal for digital products, SaaS, freelancers, and international commerce.

2. BitPay

BitPay is the oldest crypto payment processor, founded in 2011. It supports over 100 cryptocurrencies and offers fiat bank settlement in 37 countries.

Fee: 2% + $0.25 per transaction (under $500K/month), 1.5% + $0.25 ($500K to $999K), 1% + $0.25 ($1M+)
Supported coins: 100+ including BTC, ETH, LTC, DOGE, USDC, USDT, XRP
Chains: Ethereum, Arbitrum, Optimism, Base, Solana
Settlement: fiat bank deposit (USD, EUR, GBP, and more) or crypto settlement in 15 cryptocurrencies. Daily payouts.
Integration: plugins for Shopify, WooCommerce, and Magento. API available.

Best for: established businesses that need fiat bank settlement and want to accept a wide range of cryptocurrencies beyond stablecoins. The brand reputation built over 14 years adds merchant confidence.

Limitations: the 2% fee at lower volumes is among the highest in the market. KYB verification is required. Refund miner fees are deducted from the merchant balance.

3. Stripe Stablecoin Payments

Stripe launched stablecoin payments in 2025, allowing existing Stripe merchants to accept USDC alongside their standard card processing. Payments are automatically converted to USD and settled to the merchant's Stripe balance.

Fee: 1.5% per transaction, no fixed per-transaction charge
Supported stablecoins: USDC, USDP, USDG (no EURC or USDT)
Chains: Ethereum, Solana, Polygon, Base
Settlement: automatic conversion to USD in Stripe balance
Integration: works with Stripe Checkout, Elements, Billing, Invoicing, and Payment Links
Transaction limit: $10,000 per transaction

Stripe stablecoin payments are currently available to US merchants only. Customers can pay from any non-sanctioned country, but the merchant must be a US-based business.

Best for: US businesses already using Stripe that want to add stablecoin payments as an additional option alongside credit cards. The integration is seamless if you're already on Stripe.

Limitations: US merchants only, $10K transaction limit, only 3 stablecoins, no EURC, and 4 chains. The 1.5% fee is lower than credit cards but higher than most crypto-native gateways.

4. NOWPayments

NOWPayments offers the widest cryptocurrency selection in the market, supporting over 350 coins. It provides both custodial and non-custodial payment processing options.

Fee: 0.5% for same-currency payments, 1% with auto-conversion to a different coin
Supported coins: 350+ cryptocurrencies including USDC, USDT, and DAI
Chains: Ethereum, Polygon, BSC, Solana, Arbitrum, and others
Settlement: crypto only, no fiat bank deposits. Auto-conversion to preferred cryptocurrency available.
Integration: API, plugins for WooCommerce, Shopify, PrestaShop, WHMCS

Best for: merchants who want to accept the widest possible range of cryptocurrencies, not just stablecoins. The non-custodial option is appealing for businesses that want full control over their funds.

Limitations: no fiat settlement to bank accounts. Merchants who need euros or dollars in their bank must use a separate exchange. The auto-conversion adds an extra 0.5% fee.

5. CoinGate

CoinGate is a Lithuania-based payment processor with MiCA licensing, making it one of the most regulation-compliant crypto gateways in Europe. It supports over 70 cryptocurrencies with fiat settlement in EUR and USD.

Fee: 1% per transaction
Supported coins: 70+ including BTC, ETH, USDC, USDT, LTC, and TRX
Chains: Bitcoin, Ethereum, BSC, Polygon, Arbitrum, Base, Solana, Optimism, TRON
Settlement: fiat (EUR/USD via SEPA or international bank transfer) or crypto
Integration: API, plugins for WooCommerce, Shopify, Magento, PrestaShop
Payout frequency: weekly, minimum 50 EUR

Best for: European merchants who need MiCA-compliant payment processing with fiat bank settlement in euros. The regulatory compliance is a strong advantage for businesses that require it.

Limitations: weekly payouts instead of daily, 50 EUR minimum withdrawal, and refunds cost 0.25 EUR + 0.1% exchange fee.

6. Coinbase Commerce (shutting down)

Coinbase Commerce is shutting down on March 31, 2026. Merchants must withdraw all funds before that date. It is being replaced by Coinbase Business, currently available only in the US and Singapore.

Coinbase Commerce was one of the simplest crypto payment gateways, charging 1% per transaction with support for BTC, ETH, USDC, and other coins on Base, Ethereum, Polygon, and Solana. Its shutdown leaves a gap in the market, particularly for merchants outside the US who relied on its simplicity.

If you are migrating from Coinbase Commerce, consider Fivo for stablecoin payments with cross-chain support, CoinGate for fiat settlement in Europe, or BitPay for the widest coin support with fiat settlement.

7. BTCPay Server

BTCPay Server is an open-source, self-hosted payment processor with zero transaction fees. It is the only gateway on this list that is completely free to use, though it requires technical knowledge to set up and maintain.

Fee: 0%. Only network/miner fees apply
Supported coins: Bitcoin (on-chain + Lightning Network), limited altcoin support via plugins
Settlement: direct to merchant's own wallet, fully non-custodial
Integration: 30+ e-commerce plugins, point-of-sale app, API
Hosting: self-hosted on VPS (~$8/month) or own server

Best for: Bitcoin-focused merchants with technical skills who want zero fees and full control over their payment infrastructure. Lightning Network integration enables near-instant payments with sub-cent fees.

Limitations: primarily Bitcoin only, no stablecoin support (no USDC or EURC), no fiat settlement, requires server management, and no customer support beyond the community.

Quick comparison

Here is a summary of fees and key features across all seven gateways:

Fee and feature comparison

Gateway              Fee                Stablecoins    Chains    Fiat Settlement
─────────────────────────────────────────────────────────────────────────────────
Fivo                 0.5% (withdrawal)  USDC, EURC     9 EVM     No (crypto)
BitPay               1-2% + $0.25/tx    USDC, USDT     5+        Yes (37 countries)
Stripe               1.5%               USDC, USDP     4         Yes (USD, US only)
NOWPayments          0.5-1%             USDC, USDT+    6+        No (crypto)
CoinGate             1%                 USDC, USDT     9+        Yes (EUR/USD)
Coinbase Commerce    1% (closing)       USDC           4         No
BTCPay Server        0% (self-hosted)   None           BTC only  No

How to choose the right gateway

The best gateway depends on your specific needs:

Lowest fees on stablecoins: Fivo (0.5% on withdrawal) or NOWPayments (0.5%)
Fiat bank settlement: BitPay (37 countries) or CoinGate (EUR/USD via SEPA)
Widest cryptocurrency support: NOWPayments (350+ coins) or BitPay (100+ coins)
Most blockchain networks with bridging: Fivo (9 EVM chains with automatic cross-chain)
US business already on Stripe: Stripe Stablecoin Payments (seamless add-on)
European merchants needing MiCA compliance: CoinGate (licensed in the EU)
Bitcoin only with zero fees: BTCPay Server (open-source, self-hosted)
EURC (euro stablecoin) support: Fivo (only gateway with native EURC acceptance)

The bottom line

The stablecoin payment gateway market is maturing rapidly. Coinbase Commerce's shutdown and Stripe's entry signal that stablecoins are becoming mainstream for merchants. For businesses, this means more options and significantly lower fees than traditional credit card processing.

If your primary goal is accepting USDC and EURC with the lowest fees and widest chain support, Fivo offers 0.5% on withdrawals across 9 EVM chains with automatic cross-chain bridging. If you need fiat settlement, BitPay and CoinGate are the strongest options. If you want to add stablecoins to an existing Stripe setup, their 1.5% fee is still cheaper than card processing rates.

Whatever you choose, the era of paying 2.9% + $0.30 per transaction with multi-day settlement and chargeback risk is ending. Stablecoins offer a fundamentally better model for merchants.

Ready to try stablecoin payments? Create a free Fivo account and test with free USDC from the Circle Faucet.

Best Stablecoin Payment Gateways for Businesses in 2026