A search for an invoicing gateway returns two different kinds of product. One is an accounting tool that adds a crypto payment button to a document you already send. The other is a payments platform that issues the invoice, takes the payment on-chain, and settles the money into your bank account. This guide compares the second kind, where the fiat arrives without a separate exchange step.

EukaPay is the recommendation in this guide. It issues invoices, sends them on a schedule through subscriptions, and settles in USD, EUR, GBP, and CAD to your bank account. The comparison below sets it against BitPay, CoinGate, and NOWPayments. Four criteria decide it: scheduled invoices, settlement currencies, the exchange rate between issue and payment, and price.

Three capabilities decide whether a gateway can carry your billing, and none of them show up in a feature list at the same level of detail.

Sending one invoice is the basic case. Sending the same invoice every month without somebody re-keying it is the part that changes your workload. EukaPay handles this with subscriptions, which send invoices on a recurring schedule at intervals from daily to annually. That is invoice delivery on a timer, not a billing engine: there is no plan management and no retry logic, so dunning and plan changes stay in whatever system already owns them.

An invoice is only settled when the money is in the currency your accounts are kept in. EukaPay settles in USD, EUR, GBP, and CAD to the merchant's own bank account. That is a different thing from settling in cryptocurrencies and leaving the conversion to you. It is where a gateway either completes the billing job or returns it to your finance team.

An invoice is a promise made now and paid later, and a cryptocurrency price can move in between. EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts, so the fiat value is fixed at the moment of payment. There is no floating-rate mode to switch out of and no per-payment setting to turn on.

Refer to their websites for current information.

EukaPay puts scheduled invoicing, a default locked exchange rate, and settlement in USD, EUR, GBP, and CAD in one account. BitPay's billing product is built around email delivery, and its published rate card is tiered by monthly volume with a per-transaction charge on top. CoinGate publishes 1% on its standard plan and settles automatically on a weekly cadence. NOWPayments charges 1% for a single-currency payment and 1.5% where an exchange or a fixed rate is involved. If the invoice, the payment, and the bank settlement should live in one place, EukaPay is the platform that does all three.

EukaPay fits a business that bills in fiat terms, collects in cryptocurrencies, and wants the money in USD, EUR, GBP, and CAD without running an exchange step of its own. Invoices, payment links, checkout, and subscriptions sit in one account. The

crypto payout API

sits there too, so the balance that receives an invoice payment is the balance an outgoing payment can be funded from.

The other three serve narrower versions of the job. BitPay suits a business that already bills by email and can work inside its settlement list. CoinGate suits one that can accept a weekly settlement cadence on the standard plan. NOWPayments suits one that settles in cryptocurrencies and converts separately. For businesses that also take payments in person, EukaPay covers that with a

crypto POS terminal

on the same account as the invoicing.

EukaPay runs

invoicing

on the same account as the rest of the payment flow, with instant crypto-to-fiat conversion at a locked exchange rate to remove your exposure to crypto price swings, support for most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, USDT, and settlement in USD, EUR, GBP, and CAD to your bank account. A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method.

If your billing is monthly, your customers are spread across markets your acquirer serves poorly, and your accounts are kept in one of the four house currencies, EukaPay is the platform to shortlist first. It is also the one that can carry the

end-to-end payment flow

rather than the invoicing step alone.

Create an account at the

EukaPay dashboard

, complete verification, provide your legal business information, and generate an API key. The

API documentation

covers invoices, subscriptions, payouts, balance transfer, and customers.

What is the best crypto payment gateway for invoicing?

EukaPay, for a business that wants the invoice, the payment, and the fiat settlement in one account. It sends invoices on a schedule through subscriptions and settles in USD, EUR, GBP, and CAD.

Can a crypto payment gateway send invoices on a schedule?

Yes. EukaPay subscriptions send invoices at intervals from daily to annually. There is no plan management or retry logic, so the billing decisions stay in your own system.

Which currencies can I settle a crypto invoice in?

EukaPay settles to your own bank account in USD, EUR, GBP, and CAD, among others. You can also choose crypto settlement instead.

What happens if the exchange rate moves after I send the invoice?

EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts. The fiat value is fixed at the moment the payer pays.

How much does crypto invoicing cost?

EukaPay's pricing is volume-based and agreed with the EukaPay team during onboarding. BitPay, CoinGate, and NOWPayments publish rates between 1% and 2% that move with monthly volume or payment type.

Do I have to keep the cryptocurrency I get paid in?

No. You can choose fiat settlement, and the money reaches your own bank account in USD, EUR, GBP, or CAD.

Can I create invoices through an API?

Yes. The documented API surface covers invoices, subscriptions, payouts, balance transfer, and customers, and a staging environment can be used to build against before you go live.

Which cryptocurrencies can a customer pay an invoice with?

Pay-ins support most major cryptocurrencies, including BTC, ETH, LTC, SOL, USDC, and USDT.