This guide compares crypto payment gateways. It does not compare card acquirers, and none of the four providers here will give you a merchant account or process a Visa or Mastercard transaction. What they do is accept payments in cryptocurrencies on public networks and convert the proceeds into currency that reaches a bank account. If you need card acceptance, that is a different kind of provider and a different shortlist.

EukaPay is the recommendation for a business that needs both directions of that flow in one account. That means collecting in stablecoins or crypto, then sending payouts back out on the networks recipients actually use. The four providers compared here are EukaPay, BitPay, CoinGate, and NOWPayments. The criteria are which cryptocurrencies you can accept, which cryptocurrencies and networks you can send on, which fiat currencies settle to your bank, and what the provider charges.

Coverage is three separate questions wearing one label. A provider can be broad on one and narrow on another, so a single number on a homepage will not answer any of them for you.

Providers advertise totals that run from around ten assets to several hundred. The total is a poor proxy, because the assets that clear most business payments are a short list: Bitcoin, Ether, and the two large dollar stablecoins. A gateway carrying 300 assets and a gateway carrying a dozen can offer the same practical coverage for a business selling to companies. The longer list often exists to serve retail traders instead of merchants. Read the list for what your buyers hold, not for its length.

Sending is where coverage usually narrows. An asset that a provider accepts at checkout is not automatically an asset it will send. The network matters as much as the asset, because USDC on Ethereum and USDC on Tron are different transfers with different costs to the recipient. Ask which assets a provider sends, on which networks, and whether you can set that per recipient rather than once for the whole account.

The last leg is the one your finance team sees. Crypto coverage is irrelevant if the provider cannot settle into the currency your business banks in. A provider's handling of the conversion matters as much as its currency list. Our guide to

a locked exchange rate

explains that mechanic.

EukaPay settles in USD, EUR, GBP, and CAD to your own bank account.

Refer to their websites for current information.

EukaPay's answer on the payout row is worth reading twice. Asset and network are set per payout, so different recipients in the same run can receive different assets on different networks. That is the control a business needs when one supplier wants USDC on Ethereum and another wants USDT on Tron. BitPay lists 12 networks at checkout and settles into seven currencies. CoinGate publishes a 1% standard rate and settles into three. NOWPayments lists 350+ assets and routes fiat to a SEPA account through a partner. EukaPay answers the payout row with a named asset and network set you can vary per recipient. It settles into USD, EUR, GBP, and CAD.

Fewer than the marketing numbers imply, and the honest answer depends on which side of the flow is your constraint. A business collecting from consumers may want breadth at checkout, because a shopper who cannot pay in the asset they hold abandons the payment. A business collecting from other companies rarely needs more than Bitcoin, Ether, USDC, and USDT, because invoices get paid in dollar stablecoins.

The constraint moves when you start paying people. Suppliers, affiliates, and contractors name an asset and a network, and a provider that accepts an asset it will not send leaves you moving funds by hand. EukaPay is built for that case. The same account collects in BTC, ETH, LTC, SOL, USDC, and USDT. It

sends payouts

in ETH, USDT, and USDC on the Ethereum and Tron networks. Mass payouts run from a recipient list uploaded as a CSV file in the merchant dashboard, and the Payout API creates payouts programmatically, one payout per request.

EukaPay runs pay-ins, payouts, and fiat settlement from one account. That account offers instant crypto-to-fiat conversion at a locked exchange rate to remove your exposure to crypto price swings, support for most major cryptocurrencies, and settlement in USD, EUR, GBP, and CAD to your bank account. The locked rate is applied by default on every conversion, on pay-ins and on payouts.

A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method. Payouts are not tied to banking hours or the banking calendar.

If your shortlist criterion is coverage across both directions with settlement into four currencies, EukaPay is the provider to test first. Open an account, connect the assets and networks your customers and recipients actually use, and run a payment through the staging environment before you switch anything live.

Create an account at

the EukaPay dashboard

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

API documentation

covers invoices, subscriptions, payouts, balance transfer, and customers, and a staging environment is available for development.

What does multi chain mean for a crypto payment gateway?

It means the gateway can accept and send the same or different assets across more than one blockchain network. USDC on Ethereum and USDC on Tron are separate transfers, so a provider's network list matters as much as its asset list.

Which cryptocurrencies can I accept with EukaPay?

EukaPay accepts BTC, ETH, LTC, SOL, USDC, and USDT on the pay-in side, through checkout, invoices, and payment links.

Which cryptocurrencies and networks can EukaPay send payouts on?

Payouts are sent in ETH, USDT, and USDC on the Ethereum and Tron networks.

Can I pay different recipients on different networks in the same payout run?

Yes. Asset and network are set per payout, so one recipient can receive USDC on Ethereum while another receives USDT on Tron in the same run.

Which fiat currencies does EukaPay settle in?

EukaPay settles in USD, EUR, GBP, and CAD to your own bank account. You choose fiat or crypto settlement per account.

Does EukaPay lock the exchange rate when it converts?

Yes. The locked exchange rate is applied by default on every conversion, on pay-ins and on payouts.

Does accepting crypto payments expose me to chargebacks?

A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method rather than a service a provider adds on top.