Key Insights:
- Regulated players dominate the sector. MiCA and Portuguese bank regulations affect crypto payments in Portugal.
- Crypto payment solutions backed by banks are gaining popularity. Bison Bank offers traditional banking and digital asset services.
- Providers offer options for businesses. Payment gateways cater to different business models, from merchant payment systems to enterprise-grade infrastructure.
Portugal is among the European countries with the most favorable environment for cryptocurrencies. Businesses can legally accept crypto payments thanks to well-developed legislation and the gradual introduction of the MiCA EU regulation.
Merchants often prefer crypto payment gateways in Portugal that convert virtual currency to euros to reduce price volatility. These processors enable users to process transactions securely and quickly, serving both domestic and international users.
Some solutions specialize in merchant payments. At the same time, others offer banking services and provide infrastructure for the enterprises. Below is the list of five of the best crypto payment gateways in Portugal for 2026.
1. Bison Bank/Bison Digital Assets: First Crypto Payment Gateway in Portugal to Receive VASP License
One of the leading names in the Portuguese crypto industry is Bison Bank, which works as Bison Digital Assets (BDA). The platform received the license as a Virtual Asset Service Provider from the Central Bank of Portugal on April 14, 2022. This made it the first bank-owned entity to hold this kind of recognition.
It now operates as a Crypto-Asset Service Provider under MiCA regulation. This crypto payment gateway in Portugal offers clients a wide range of security and compliance advantages.
In contrast to many foreign providers, Bison Bank combines traditional banking with cryptocurrency services. This offers companies a chance to manage crypto wallets. They can exchange crypto for euros, and can also use regulated custody at the same place.
Key Features
- Regulated crypto custody and trading services
- Fast conversion of cryptocurrency into euros
- Reliable wallet and asset management
- Access to liquidity via partners
- Compliance and banking services
Best For: Businesses that want to get regulated crypto banking and treasury services.
2. Speed: Bitcoin-Focused Crypto Payment Processor
Speed is a crypto payment platform aimed at businesses that need to conduct fast, cost-effective transactions. The platform concentrates on Bitcoin Lightning payments and supports popular stablecoins. That’s good for merchants working with regular online payments.
This platform offers a range of tools, including APIs, payment links, and plugins for platforms such as WooCommerce. That allows businesses to accept cryptocurrency with less development work. Besides, merchants also benefit from flexible settlement terms and no chargebacks.
Key Features
- Payments via Bitcoin Lightning network and on-chain.
- Stablecoins support.
- Payment links and developer APIs.
- WooCommerce integration.
- Fast and cheap settlements.
Best For: E-commerce businesses and merchants conducting numerous crypto payments.
3. xMoney: Crypto Payment Gateway in Portugal, Previously Known as Utrust
xMoney is the development of Utrust. Once the name Utrust was incorporated into xMoney, the service evolved into a broader payment ecosystem. That combined both crypto and conventional financial solutions.
Businesses can accept multiple cryptocurrencies at checkout using fiat and compliant stablecoins. This decreases the impact of volatility on their finances. This crypto payment gateway in Portugal offers merchant rewards, payment analytics, and strong compliance solutions.
The platform has a long-standing presence in Portugal and has partnered with high-profile merchants over the years. This allowed xMoney to gain a reputation as one of the leading crypto payment gateways in Portugal.
Key Features:
- Multiple cryptocurrency acceptance
- Cryptocurrency and fiat payment processing
- Merchant analytics and dashboard
- Secure checkout with compliance solutions
- APIs and e-commerce integrations
Best For: Companies that need a modern crypto payment solution with EU compliance.
4. Paybis: Regulated Fiat-to-Crypto Conversion Platform
Paybis is a regulated payment facilitator that helps businesses combine traditional finance and cryptocurrency. Unlike most crypto payment gateways, it doesn’t require users to make crypto transactions directly. It allows them to use the payment methods they are used to, receiving stablecoin settlements.
Businesses may process payments via bank transfers and payment cards without any changes for their clients’ convenience. The approach simplifies crypto adoption and reduces transaction delays and banking fees.
Moreover, Paybis works within a strict regulatory environment. Therefore, it is recommended for businesses that provide services for their customers around Europe and elsewhere.
Key Features:
- Fiat to crypto payment processing
- Stablecoin settlements
- Card and bank transfer processing
- Easy API integration
- Compliance framework
Best For: Companies interested in traditional payment processing with crypto settlements.
5. Eco: Fintech & Cryptocurrency Platform
What makes Eco unique among other crypto payment gateways in Portugal is that it is not a merchant checkout. It’s an open blockchain infrastructure for building payment products and stablecoin applications.
Eco offers support for cross-chain stablecoin transfers, treasury automation, payment routing, and programmable payments settlement. Businesses may also automate payment workflows on various blockchain networks.
Eco is suitable for fintech companies and payment platforms. It’s the best choice for enterprises looking for scalable blockchain infrastructure rather than just a payment gateway.
Key Features
- Stablecoin payment infrastructure
- Cross-chain payment routing
- Treasury automation
- Programmable payments workflow
- Support for high volumes of transactions
Best For: Fintech companies and enterprises developing blockchain payments solutions.
Regulatory Environment
Portugal has one of the most straightforward regulatory environments in Europe regarding the digital asset market. Virtual Asset Service Providers (VASPs) in the country must be registered with Banco de Portugal. In addition, the EU’s MiCA regulation impacts the operation of crypto companies in the country.
It is important to choose those providers who comply with AML and KYC procedures. It is also recommended to check a provider’s registration before integration with a business.
The tax laws have been updated as well. Crypto assets kept for more than 365 days are exempt from capital gains tax for individuals. Additionally, crypto assets sold within one year are taxed at 28%. Businesses should maintain records in case of converting their crypto to euros.
Final Thoughts
The market for crypto payment gateways in Portugal is growing alongside crypto adoption for domestic and cross-border payments.
Bison Bank is unique with its licensed banking and custody services. Speed allows making fast Bitcoin and stablecoin payments. xMoney is a payment processor that provides crypto and traditional payment solutions.
Paybis enables businesses to easily convert crypto assets into fiat. At the same time, Eco allows the creation of an advanced payment infrastructure for enterprise-level payment systems.
Before selecting crypto payment gateways, it’s recommended to consider the supported cryptocurrencies, settlement procedures, and security protocols. Merchants should also check the integration methods and regulatory compliance.
