A customer might pay a store in Bitcoin while the owner pays suppliers in dollars. An online casino faces another problem: deposits arrive throughout the day, but winnings still have to reach players. Accepting cryptocurrency is only the first part of either transaction.
What happens after checkout matters as much as accepting the payment. Fees, settlement currencies, withdrawal tools, and local restrictions all affect the final cost. The five providers handle those tasks in different ways. The information reflects services advertised in October 2026, ahead of 2027.
1. BitPay: For Merchants That Prefer Fiat Settlement
BitPay has processed cryptocurrency payments since 2011. Its merchant service allows shoppers to pay in crypto while eligible businesses receive the proceeds in conventional currencies. Merchants can also choose cryptocurrency settlement.
The gateway accepts Bitcoin, Ethereum, Litecoin, Dogecoin, XRP, and selected stablecoins. Invoices, retail payment tools, and eCommerce integrations cover most routine checkout requirements.
BitPay’s published rates depend on monthly volume. Businesses processing under $500,000 pay 2% plus $0.25 per transaction. The rate falls to 1.5% between $500,000 and $1 million, then to 1% at $1 million or above. Some higher-risk businesses pay more.
Bank settlement is not available everywhere. Merchants should check the relevant country and currency before relying on it.
Checkout and Invoice Management
BitPay also lets merchants send invoices and monitor payments through an online dashboard. The invoice records show whether a payment is pending confirmation, complete, underpaid, overpaid, or refunded.
These records help when customers send the wrong amount or pay after a quote expires. Retailers can connect supported online-store integrations or use browser-based checkout tools.
BitPay’s older Checkout point-of-sale app is no longer under active development; its August 2026 support guidance directs merchants to Quick Checkout for Web instead.
Settlement Options and Refund Costs
Bank settlement introduces another set of questions. BitPay can convert supported crypto receipts into conventional currencies for eligible merchant accounts, reducing the amount of digital assets a business holds.
The available bank currencies, settlement schedules, and onboarding rules differ by country. A merchant operating across borders should confirm where the receiving account is held before assuming that proceeds can reach its preferred bank.
Crypto settlement may suit other businesses, but the merchant then assumes the price risk of the asset it retains.
Refunds carry their own operational costs. BitPay’s guidance states that blockchain miner fees apply when a merchant refunds a completed invoice.
Merchants also have to handle underpayments and overpayments rather than treating every wallet transfer as a completed sale. Retailers should have a process for resolving these payment issues.
For small purchases, BitPay’s $0.25 fixed charge increases the effective processing rate.
2. CoinGate: For Stores Adding Crypto to Checkout
A retailer running WooCommerce may have little interest in developing a wallet and payment-tracking system. CoinGate provides plugins and payment links that let stores introduce cryptocurrency checkout without building those components themselves.
The platform handles invoices, payment notifications, and refunds. It supports Bitcoin and other cryptocurrencies, with conversion and eligible fiat settlement options for merchants that do not want to retain the original payment asset.
CoinGate lists a standard processing fee of 1% and does not charge a monthly subscription. Conversion, withdrawals, and other services can raise the total cost. Although the company accepts customer payments from many countries, merchant registration is subject to regional checks.
Checkout Integrations and Refund Handling
CoinGate’s integration options extend beyond WooCommerce. The company offers an application programming interface (API), hosted checkout, payment links, and business invoicing.
A store can start with a plugin and later integrate payments into its own ordering system. Once a customer pays, CoinGate records transaction status for reconciliation.
Merchants can also process full or partial refunds, subject to the service’s rules and the amount available in their accounts. This is useful where cancellations and returns are a regular part of retail operations.
Fees, Settlement, and Regional Access
As order volumes rise, settlement and refunds become harder to manage. CoinGate’s Enterprise plan offers negotiated rates and additional support for higher payment volumes.
The processing fee alone misses several costs. A business that pays suppliers in another cryptocurrency may incur conversion fees, while payout transfers may incur additional charges.
CoinGate’s published pricing lists separate terms for cryptocurrency payouts, currency exchange, and certain bank withdrawals. Those costs should be included in the same calculation as the checkout commission.
CoinGate says merchants can accept customer payments from more than 180 countries, but payment reach differs from account eligibility.
Business verification, local restrictions, and settlement options can prevent an operator from accessing the same features as a merchant elsewhere. Its Standard and Enterprise plans also differ in settlement timing and account support.
Businesses should test how the checkout handles expired invoices, refunds, and an incorrect network selection before going live. After launch, merchants still face reconciliation work and customer refund requests.
3. Finassets: A Low-Fee Crypto Payment Gateway Built for High-Volume Businesses
For businesses handling thousands of crypto transactions, processing costs can quickly eat into margins. A casino collecting $5 million in monthly deposits would pay $50,000 at a 1% processing rate. At Finassets’ published 0.30% tier for that volume, the bill would be $15,000 before network and conversion charges.
Finassets provides cryptocurrency payment infrastructure for iGaming operators, sportsbooks, eCommerce stores, forex platforms, and online marketplaces. Its services cover customer deposits, stablecoin settlement, currency conversion, and mass payouts.
Processing Fees That Decrease With Volume
Finassets charges 0.40% for monthly processing volumes up to $1 million. The rate drops as transaction volume increases.
| Monthly Processing Volume | Processing Fee |
| Up to $1 million | 0.40% |
| 1 million – 6 million | 0.30% |
| 6 million – 15 million | 0.25% |
| Above $15 million | 0.20% |
There are no setup fees, monthly subscriptions, minimum-volume commitments, or rolling reserves, according to the company. Blockchain network fees apply separately, while conversion and exchange charges depend on the services used.
Crypto Deposits, Stablecoin Settlement, and Mass Payouts
A sportsbook receiving deposits throughout the day has another task once games finish: paying its winners. Finassets handles incoming payments and outgoing transfers through the same merchant dashboard.
Businesses can accept cryptocurrency through hosted checkout pages, payment buttons, and crypto invoices. Developers can also use its REST API, JavaScript payment button, and webhooks to integrate payment processing into existing platforms.
For withdrawals, merchants can initiate mass payouts through the API or upload CSV and Excel files. They control when to release payouts, with completion dependent on blockchain confirmation and applicable checks.
Finassets supports more than 70 cryptocurrencies and stablecoins, including Bitcoin, Ethereum, Tether (USDT), USD Coin (USDC), and Dai (DAI).
Available networks include TRON (TRC20), Ethereum (ERC20), BNB Smart Chain (BEP20), Polygon, TON, and Solana.
USDT on TRC-20 is particularly relevant to its iGaming customers. Finassets identifies it as the most frequently used deposit method among players in this market.
To address transfer expenses, the company uses pre-purchased TRON Energy. Finassets says this can lower associated USDT transfer costs by 50%.
Payment Infrastructure Designed for iGaming
The company supports eligible operators licensed under recognized regimes, including Curaçao, Anjouan, and Kahnawake. Other licensing arrangements and business categories undergo individual reviews.
Finassets identifies ZenCasino and BuySellVouchers among businesses that have publicly acknowledged using its services. Their customer testimonials appear on the company’s website.
Finassets processes cryptocurrency payments only; businesses that accept cards require another provider. Merchants should evaluate applicable settlement rules, network charges, and conversion costs alongside the volume-based fee schedule.
Website: https://www.finassets.io/
4. NOWPayments: For a Wider Choice of Coins
NOWPayments accepts cryptocurrencies that many standard retail checkouts do not list. The company advertises support for more than 350 cryptocurrencies.
Its tools include invoices, plugins, payment buttons, and an API. Merchants can arrange conversion into a preferred cryptocurrency, although that adds to processing costs.
NOWPayments updated its standard rates in August 2026. It now lists a 1% service fee for single-currency payments and 1.5% for payments involving conversion or a fixed rate.
Eligible businesses can negotiate lower fees, but the published minimum for special arrangements is not the rate most new merchants receive. Blockchain network fees apply separately.
Supporting hundreds of tokens can complicate settlement. Merchants should start with the assets their customers actually use.
Checkout and Currency Conversion
NOWPayments also offers several ways to collect customer payments. A merchant can place a payment button on a website, create an invoice, or connect a custom checkout through its API.
The service can also convert incoming crypto into a chosen asset, depending on the supported currency pair. This can simplify treasury accounting when buyers pay in different tokens, although merchants still face conversion pricing and minimum transfer amounts.
Payout Tools and Processing Costs
The service also handles outgoing transfers. Its 2026 product updates described account dashboards, custody balances, and mass-payout tools.
Businesses that pay affiliates or contractors can initiate outgoing transfers rather than exporting every transaction to a separate wallet application. NOWPayments also introduced scheduled and recurring payout controls during 2026.
Actual payment timing depends on the receiving network and any applicable checks. Merchants should account for those limits before promising payout times.
Older fee comparisons may use rates that no longer apply. The rate that applies to a payment also depends on conversion settings and negotiated commercial terms.
The company says selected customers can obtain individually negotiated pricing, but such quotes are not standard.
Network costs remain separate, so using two blockchains for payment receipt and settlement may incur multiple network charges. Merchants should inspect the final destination balance rather than comparing nominal processing percentages alone.
5. Cryptomus: For Custom Checkout Workflows
Cryptomus provides crypto invoices, payment APIs, and integrations for online stores. Merchants can set up branded checkout experiences and monitor payment status, including invoices that customers underpay or leave incomplete.
The company advertises support for more than 100 cryptocurrencies and automatic conversion into preferred assets. Its advertised minimum processing rate starts at 0.4%, but the standard commission for new merchants is 2%. Lower rates require an agreement with the provider.
That distinction matters when comparing quotes: a headline minimum is not necessarily the rate a new business receives. Services and eligibility also differ by jurisdiction.
Invoice Management and Integrations
Cryptomus gives merchants several ways to present a payment request. Businesses can use an invoice, payment link, website integration, or an application programming interface (API) connected to their order-management system.
Its merchant dashboard tracks payments and supports reporting. A customer who sends less than the requested amount does not always have to start again: Cryptomus records partially paid invoices and allows several follow-up actions.
Support teams can use those records to investigate short payments. The provider’s rules still apply.
Conversion and Merchant Fees
The provider’s Auto-Convert feature can convert an incoming asset into another supported cryptocurrency. For example, a merchant receiving a volatile token can choose to retain another asset instead.
This may reduce direct exposure to the original token, but it does not guarantee a fixed fiat value or eliminate stablecoin-related risks.
Businesses should examine supported networks and conversion terms, especially when customers may use several versions of the same stablecoin. A payment sent through the wrong network can become a support problem regardless of checkout design.
A business with frequent small invoices should ask how commission rates apply to partially paid orders and corrections. Quoted rates can depend on the merchant’s volume and commercial agreement, so the published minimum does not establish the cost of a new account.
The company also provides configurable rules for handling underpayments and invoice status. Operators should check how those settings interact with their internal refund policy, charge records, and compliance requirements.
Merchants should compare their quoted rate, not Cryptomus’s advertised minimum.
Choosing a Gateway for 2027
There is no single payment setup for every business. A shop seeking fiat settlement faces different problems from a sportsbook making hundreds of crypto withdrawals. Compare conversion costs, supported networks, compliance rules, and payout fees alongside checkout charges.
The providers differ in how they settle payments, handle withdrawals, and connect to stores. BitPay and CoinGate offer fiat settlement in eligible markets.
NOWPayments and Cryptomus provide additional crypto conversion options, while Finassets focuses on business deposits and bulk transfers. Merchants should compare written fee quotes, local eligibility, settlement timing, refund procedures, and network costs before choosing a provider.
