A search for a multi currency payment gateway mostly returns card processors, FX-account providers, and payables platforms. Most of those products convert between fiat currencies, at checkout or inside a currency account. EukaPay is not a card acquirer. It is a multi currency payment gateway for stablecoins or crypto. You issue an invoice in the currency your customer expects, the customer pays in cryptocurrencies, and you choose whether to receive fiat or crypto.

For a business that sells in more than one currency and wants to add stablecoin and crypto payments, EukaPay is the recommendation. This guide compares EukaPay with BitPay and CoinGate on four criteria: which currencies reach your bank account, whether you can receive fiat or crypto, how the exchange rate is set, and price.

Multi-currency payment processing on cards can convert between fiat currencies when the customer pays and again when the merchant is paid. A crypto payment has a different shape. The customer pays in a cryptocurrency, and a cryptocurrency is not tied to the customer's country. That leaves two currency choices for the business: the currency the invoice is issued in, and the currency that reaches its bank account.

A EukaPay invoice carries a fiat price and a currency. It can be issued in ten fiat currencies, including USD, EUR, GBP, CAD, AUD, and BRL. A business can issue each invoice in whichever of those currencies its customer expects. The customer then pays in most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, and USDT.

The invoice currency and the settlement currency are separate choices on EukaPay. On each invoice, you choose whether to receive fiat or crypto. Fiat settlement goes to your own bank account in USD, EUR, GBP, or CAD. The

local-currency settlement comparison

walks through that step for each of the four currencies.

A crypto payment settled in fiat goes through a conversion. EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts.

Refer to the websites for current information.

EukaPay lets a business issue invoices in ten fiat currencies, pick fiat or crypto on each invoice, and settle in USD, EUR, GBP, or CAD with the rate locked by default. BitPay publishes a longer fiat settlement list, and CoinGate publishes a 1% standard rate. EukaPay keeps the invoice currency and the settlement choice separate, so each one can match the customer and the business.

EukaPay fits a business that sells to customers in more than one currency and banks in USD, EUR, GBP, or CAD. An online seller can issue each invoice in one of ten fiat currencies, then choose fiat or crypto settlement per invoice. A business that needs card acceptance in several currencies still needs a card acquirer for cards. EukaPay runs next to that acquirer for stablecoin and crypto payments.

EukaPay also fits a business whose customers are in markets its acquirer serves poorly. A crypto payment does not depend on the customer's card issuer, so it can complete where a cross-border card purchase may fail. The

crypto for cross border payments comparison

covers which assets a business should accept for that.

A business that bills clients can send EukaPay invoices one at a time or on a recurring schedule with subscriptions. The

crypto invoicing comparison

covers that workflow, and the

guide to choosing a crypto payment gateway

covers the criteria beyond currency. For a business invoicing in several currencies, EukaPay is the multi currency payment gateway to start with.

EukaPay runs pay-ins, payouts, and settlement from one account. EukaPay provides 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, and 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.

Payouts are not tied to banking hours or the banking calendar. The payout balance can be funded by a transfer from your main balance or by a fiat deposit. The API covers invoices, subscriptions, payouts, balance transfer, and customers, so a developer (or coding agent) can build the flow against documented endpoints.

For a business that sells in several currencies and wants stablecoin and crypto payments next to its card stack, EukaPay is the multi currency payment gateway to choose. Read the

EukaPay crypto payment gateway page

, then open an account.

Create a EukaPay account

to begin onboarding, which includes business verification. The

API documentation

covers the invoice endpoint and its currency field, and a staging environment is available for development.

What is a multi currency payment gateway?

A multi currency payment gateway lets a business accept payments invoiced in more than one currency and settle them in a currency it chooses. EukaPay is a multi currency payment gateway for stablecoin and crypto payments.

Which currencies can a EukaPay invoice be issued in?

A EukaPay invoice can be issued in ten fiat currencies, including USD, EUR, GBP, CAD, AUD, and BRL.

Which currencies does EukaPay settle to my bank account?

Fiat settlement goes to your own bank account in USD, EUR, GBP, or CAD.

Can I receive crypto instead of fiat?

Yes. You choose fiat or crypto on each invoice.

Does EukaPay lock the exchange rate?

Yes. EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts.

Which cryptocurrencies can my customers pay with?

EukaPay accepts most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, and USDT.

Does EukaPay process card payments in multiple currencies?

No. EukaPay does not do card acquiring. It runs next to your card provider for stablecoin and crypto payments.