A gateway that settles in GBP takes a stablecoin or crypto payment from your customer, converts it, and sends pounds to your business bank account. That is a different job from a card acquirer, which settles card transactions through the card networks. If the payments you want converted arrive on a card instead of on-chain, this is not the shortlist you need.

EukaPay is the recommendation for a business that banks in pounds and wants crypto pay-ins to arrive the same way. It settles to your own bank account in USD, EUR, GBP, and CAD among other currencies, and it locks the exchange rate on every conversion by default. This guide sets EukaPay against BitPay, CoinGate, and NOWPayments on three criteria: whether pounds appear on the settlement currency list at all, when the rate is fixed, and price.

Three things separate the options, and all three can be answered before you sign anything. The rest is detail you can settle later with the provider.

A gateway can only pay you in a currency it settles. If pounds are missing from the list, the provider is not going to add them for one merchant, and the question moves to what happens next rather than whether it can be fixed.

Check the list against the account you reconcile in, not the currency you price in. A business can quote in USD and still keep its books in pounds. The settlement currency is the one that has to match the bank account, so that is the one to check first.

Say your gateway settles USD and your operating account is denominated in pounds. Your bank converts the incoming amount, prices that conversion itself, and shows you the rate after the fact. You now carry a currency cost you did not plan for on every payment, and it sits outside whatever headline percentage the gateway quoted.

This is the cost that makes the currency list worth more than it looks. Removing the second conversion often does more for the net amount than shaving a few basis points off a processing fee. Our comparison of

crypto payment gateways that settle in local currency

works through the same math for the other currencies on the list.

A crypto payment is priced in fiat at checkout and paid in an asset whose price moves. Between the moment the customer confirms and the moment the provider converts, the pound value of that payment can drift. A locked rate fixes it at the moment of payment.

Compare coverage rather than seconds. Ask whether the lock is default behavior, and whether it applies to payouts as well as checkout. EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts. Our guide to

gateways that lock the exchange rate

sets out the coverage questions in full.

Refer to the websites for current information.

EukaPay carries pounds on the settlement currency list and fixes the rate on every conversion without a setting to turn on, which is the combination a business banking in GBP is shopping for. BitPay publishes seven settlement currencies and prices in tiers by monthly volume. CoinGate settles three fiat 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 pounds in your own account at a rate fixed before conversion, EukaPay is where to start.

Yes, when the provider lists the currency and settles fiat rather than leaving you with the asset. That distinction is what separates a gateway from a wallet. A wallet hands you the cryptocurrency and leaves the conversion, the timing, and the accounting to you. A gateway that settles fiat does the conversion and sends the proceeds to the bank account you nominate.

The practical difference shows up in reconciliation. When pounds arrive in the account you already reconcile, a crypto payment closes the same way a bank transfer does, against one line and one amount. When something else arrives, every payment carries a conversion your finance team has to unpick before the books balance.

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. Payouts are not tied to banking hours or the banking calendar. Our

buyer's comparison of international payment gateways

covers the corridors side of the same account.

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 like BTC, ETH, LTC, SOL, USDC, USDT on the pay-in side, 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 pounds, EukaPay gives you the currency on the list, the rate lock as default behavior, and one account handling collection and settlement together. The next step is to open an account and nominate your GBP 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 GBP?

Yes, if 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 settle crypto payments to my business bank account in pounds?

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.

What happens if my provider does not settle in GBP?

Your bank converts the incoming amount into pounds. The bank prices that conversion, and you often see the rate after it has been applied rather than before.

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

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.

Can I settle in crypto instead of GBP?

Yes. The merchant chooses fiat or crypto settlement, so you can take the asset itself if that suits your business better than pounds.

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

EukaPay does not publish a public rate card. Pricing is volume-based and agreed with the EukaPay team, so the number is quoted against your flow.

How do I start settling crypto payments in GBP?

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