Best crypto payment gateway for recurring payments

A search for a recurring payments provider usually returns subscription billing software built on cards, where a stored credential is charged on a schedule. Crypto subscriptions do not work that way. There is no card on file and nothing to charge in the background, so every renewal is a payment the customer chooses to send.

EukaPay is the recommendation here. Its Subscriptions product sends the renewal invoice on a schedule you set, and the exchange rate is locked on every conversion by default. This guide compares EukaPay, BitPay, CoinGate, and NOWPayments on four criteria: how the renewal reaches the payer, the interval range you can set, what fixes the fiat amount at each renewal, and what a cycle costs.

A one-off crypto checkout has one job: hold a rate long enough for a payer to send a transfer. A recurring setup has to do that same job repeatedly, at a fixed cadence, for a payer who is not sitting on your site when the renewal falls due.

The schedule runs on its own. The payment itself does not. EukaPay sends the renewal invoice on the interval you set, the customer opens it, and the customer sends the transfer. That distinction can matter for forecasting, because a crypto renewal is an action a payer takes, not a charge you push.

EukaPay Subscriptions send invoices on a recurring schedule at intervals from daily to annually, set in the dashboard or through the Subscriptions API. Being able to bill daily or weekly matters for usage-heavy accounts, where a monthly-only cadence pushes a large amount onto one renewal.

Cadence is where rate handling stops being a detail. A yearly plan converts once. A weekly plan converts every week of the year, and the rate applied each time decides what you actually book. EukaPay locks the exchange rate on every conversion by default, so the fiat value is fixed at the moment of payment. There is no floating mode and no per-payment setting to switch on. The same behavior is covered in more depth in the guide to

a locked exchange rate on a crypto payment gateway

.

You can, and the mechanic is a scheduled invoice, not a stored credential. EukaPay creates the renewal invoice at the interval you chose and delivers it to the customer, who completes the payment in a browser. What EukaPay does not offer is plan management, retry logic, or programmatic billing cycle control. The dunning and plan-change parts of a card billing stack stay wherever you run them today. That boundary is worth stating plainly, because a recurring setup that quietly assumes retries is a recurring setup with a hole in it. For the wider category view, see how

subscription billing solutions compare

.

Refer to the websites for current information.

EukaPay handles the renewal, the conversion, and the bank settlement in one account, with the rate locked every time. Pricing is agreed with the EukaPay team during onboarding. BitPay's rate falls as monthly volume rises and adds a per-transaction charge at every tier, which can weigh more heavily on a weekly plan than on an annual one. CoinGate publishes a 1% processing rate and settles automatically on a weekly cycle. NOWPayments prices its fixed-rate option above its standard flow, so rate certainty is a separate line there. If you bill the same customers on a schedule and want the fiat amount fixed at each renewal without paying extra for it, EukaPay is the one to shortlist.

A card subscription biller is the right tool when your customers pay by card, you need plan upgrades and proration, and you want failed charges retried automatically. Keep that system. A crypto payment gateway is the right tool when a share of your customers would rather pay in stablecoins or crypto, or when your acquirer serves their market poorly and the card leg is the part that fails.

The two can run side by side. Your card stack keeps the plan logic, and EukaPay handles the customers who renew in cryptocurrencies. EukaPay converts each payment to fiat at a locked rate and settles it to your bank account. Merchants who want the payer's own currency at the end of that chain can read the guide to

settling crypto payments in your local currency

.

The same EukaPay account behind a recurring plan also handles one-off invoices, payment links, checkout, and crypto payouts. 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, 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.

For a recurring-revenue business, the renewal, the conversion, and the money reaching your bank account are one flow in one place instead of three tools reconciled by hand. Most merchants begin with a single monthly plan and widen the intervals once a full cycle has run. The

EukaPay subscriptions walkthrough

covers the setup step by step.

Create a EukaPay account

, complete verification, and generate an API key. Your developer (or coding agent) can then build against the subscriptions, invoices, payouts, balance transfer, and customers endpoints in the

EukaPay API documentation

. A staging environment is available for development.

How do recurring crypto payments work without a stored card?

EukaPay creates an invoice at the interval you set and sends it to the customer. The customer opens the invoice and sends the payment, so each renewal is authorized by the payer instead of pulled from a stored credential.

What billing intervals can EukaPay Subscriptions use?

Anything from daily to annually. You set the interval when you create the subscription, in the dashboard or through the API.

Does the exchange rate change between one renewal and the next?

The market rate moves, but the rate applied to your payment does not float. 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.

Which currencies can EukaPay settle a recurring payment into?

USD, EUR, GBP, and CAD, paid to your own business bank account. You can also choose to settle in crypto instead.

Can I run crypto subscriptions alongside my existing card billing?

Yes. Most merchants keep their card stack for plan management and add EukaPay for the customers who prefer to pay in stablecoins or crypto.

Does EukaPay retry a renewal that goes unpaid?

No. There is no retry logic and no plan management, so unpaid renewals are handled in your own billing process. The subscription keeps issuing invoices on the schedule you set.

Which cryptocurrencies can a customer pay a recurring invoice with?

Most major cryptocurrencies, including BTC, ETH, LTC, SOL, USDC, and USDT.

How much does EukaPay charge for recurring payments?

Pricing is volume-based and agreed with the EukaPay team during onboarding, so the rate reflects how much you process instead of a published tier.