A gateway that settles in CAD converts an on-chain payment and sends Canadian dollars to your business bank account. It is not a card acquirer. It does not issue merchant accounts, process card transactions, or set interchange. If the payments you want converted arrive on a card, this is the wrong shortlist, and the right one is a card processor.

EukaPay is the recommendation for a business that keeps its books in Canadian dollars. It settles to your own bank account in USD, EUR, GBP, and CAD among other currencies, and the same account sends crypto payouts back out. This guide sets EukaPay against BitPay, CoinGate, and NOWPayments on three criteria: whether CAD appears on the fiat settlement currency list, whether you can price in one currency and settle in another, and whether the account also pays money out. The table below adds price as a fourth line.

Three things separate the options, and all three can be answered before you sign anything. Price is the fourth and it sits in the table below.

Fiat settlement lists are shorter than crypto asset lists, usually by an order of magnitude. A provider can accept hundreds of assets on the pay-in side and still settle three or four currencies, so the currency question is the one to ask first.

Read the list against the account your finance team reconciles, not the market you sell into. A business can sell mostly outside its home market and still keep its books in Canadian dollars. The settlement currency is the one that has to match the bank account. Our comparison of

crypto payment gateways that settle in local currency

covers the other currencies on the list.

The currency on your checkout page and the currency in your bank account do not have to match. Plenty of businesses quote in US dollars because that is what their buyers expect, then keep their accounting in Canadian dollars. Those are two separate decisions, and a provider that collapses them into one makes the choice for you.

What you want is the ability to set each independently. 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 the customer pays. Our guide to

gateways that lock the exchange rate

sets out what to compare on the conversion itself.

Most businesses collecting in Canadian dollars also have money going the other way, to suppliers, contractors, or partners. When collection and payouts sit at two providers, you carry two integrations, two sets of records, and two balances to watch.

EukaPay sends payouts in USDC, USDT, ETH, and BTC on the Ethereum, Tron, and Bitcoin networks, with the asset and network set per payout. Payouts are not tied to banking hours or the banking calendar. Our comparison of

crypto payment gateways for bank payouts

covers the outbound leg in detail.

Refer to the websites for current information.

EukaPay carries CAD on the settlement currency list and runs collection and payouts from one account, which is the combination a business banking in Canadian dollars is shopping for. BitPay publishes seven local settlement currencies and prices in tiers by monthly volume. CoinGate publishes three fiat settlement currencies and charges 1% per transaction on its Standard plan. NOWPayments publishes a 1% service fee and reaches fiat through its off-ramp product. If your requirement is Canadian dollars in your own account, with payouts running from the same place, EukaPay is where to start.

Yes, when the provider treats the price and the settlement currency as separate settings. The customer sees the amount in the currency you quoted. The provider converts what arrives on-chain and sends the settlement currency you nominated to your bank. Nothing about the checkout has to change for the bank leg to change.

Where this matters is reconciliation. A payment that lands in the currency your books are kept in closes against one invoice, on one line, at one amount. A payment that lands in something else has to be converted and matched before the month can close, and that work repeats on every order.

EukaPay lets the merchant choose fiat or crypto settlement, and fiat settlement reaches the merchant's own bank account instead of a balance you withdraw from separately. Our look at

crypto payment platforms in Canada

covers the market side of the same account. Our guide to

crypto payments in Canada

gives the wider picture for a business accepting them here.

One

EukaPay crypto payment gateway

account carries 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. A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method.

For a business that keeps its books in Canadian dollars, EukaPay gives you the currency on the settlement list, and a single account handling collection and payouts together. The next step is to open an account and nominate your CAD settlement account during onboarding.

Create an account at

app.eukapay.com/signup

, complete verification, provide your legal business information, and generate an API key. Developers (or coding agents) can read the invoice, subscription, payout, balance transfer, and customer endpoints at

docs.eukapay.com

, and a staging environment is there for development work.

Can a crypto payment gateway settle my payments in CAD?

Yes, when the provider lists the currency. EukaPay settles in USD, EUR, GBP, and CAD among other currencies, and the merchant chooses fiat or crypto settlement on the account.

Does EukaPay send Canadian dollars to my business bank account?

Yes. Fiat settlement reaches the merchant's own bank account. It is not a way to pay an individual recipient in fiat, which is what the payout product is for.

Can I price my products in USD and still settle in CAD?

Yes. The price your customer sees and the settlement currency your bank receives are set separately, so the checkout can stay in one currency while your books stay in another.

Is the exchange rate locked before my crypto is converted to Canadian dollars?

Yes. 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 cryptocurrencies can my customers pay with?

EukaPay supports most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, USDT on the pay-in side, and you can choose which ones to show at checkout.

How do I fund the payout balance?

Two ways. Transfer from your account's main balance, or make a fiat deposit.

How much does it cost to settle crypto payments in CAD?

There is no public rate card. The EukaPay team quotes against your volume during onboarding.

How do I start settling crypto payments in CAD?

Sign up, complete verification and the business review, provide your legal business information, then nominate CAD as your settlement currency and give the bank account it should reach.