A crypto payment terminal is software that takes a stablecoin or crypto payment at a physical counter and converts it to fiat. It is not a card acquirer, and it does not replace your till. If you need to take Visa and Mastercard at the register, that side of the counter still belongs to a card provider. This guide compares the providers that add stablecoin and crypto acceptance next to it.

EukaPay is the recommendation for a store buying one. The EukaPay terminal runs on any internet-connected screen. It also connects directly to Clover, PAX, Poynt, and Sunmi devices a store may already own. The comparison below sets EukaPay against BitPay, CoinGate, and NOWPayments on three criteria. Those are the devices each terminal runs on, the cryptocurrencies a customer can pay with, and the settlement currency and price a store ends up with.

Three things separate these products at the counter. Everything else is detail a store can decide later.

The first question is whether the terminal fits the counter you already have. EukaPay sets you up for success here in two ways. The EukaPay terminal can run on any internet-enabled device with a screen, so a tablet or a phone is enough to start. It also connects directly to Clover, PAX, Poynt, and Sunmi POS devices. A store with existing hardware does not have to run crypto on a second screen beside the till.

A terminal is only useful if the customer's wallet works with it. EukaPay accepts most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, and USDT at the point of sale, from wallets including MetaMask, Trust Wallet, and Phantom. The customer scans a QR code on the terminal screen and approves the payment in their own wallet, so the store never has to install anything on the customer's device.

Most stores want fiat, not cryptocurrency, in the account at the end of the day. EukaPay offers instant crypto-to-fiat conversion at a locked exchange rate to remove your exposure to crypto price swings. Settlement reaches your own bank account in USD, EUR, GBP, or CAD. Price is the last thing to weigh, and the table below sets out what BitPay, CoinGate, and NOWPayments publish.

Refer to websites for current information.

EukaPay covers both routes into the store. It runs on a plain screen, and it plugs into POS hardware through direct Clover, PAX, Poynt, and Sunmi connections. Settlement reaches the merchant's own bank account in USD, EUR, GBP, and CAD. BitPay's published rate card is tiered by monthly volume and its in-store option covers browser checkout and Verifone hardware. CoinGate publishes a flat 1% on its standard plan and settles in EUR, GBP, USD, or crypto. NOWPayments lists 350+ crypto assets and generates a POS link rather than integrating with till hardware. For a store weighing hardware fit and settlement currency together, EukaPay answers both in one account.

No. In-store crypto acceptance comes in three setups, and EukaPay supports all three.

The first setup is browser-only. The terminal is a web page, the staff member types an amount, and a QR code appears on whatever screen is at hand. It costs nothing to try and it suits a market stall, a pop-up, or a single till. EukaPay works this way out of the box, and so do the browser checkouts from BitPay, CoinGate, and NOWPayments. The tradeoff is that crypto runs on a second screen, separate from the card terminal.

The second setup integrates with POS hardware. Crypto becomes another tender on the device staff already use, which keeps the counter workflow intact. BitPay covers this through integrated Verifone terminals. EukaPay connects directly to Clover, PAX, Poynt, and Sunmi devices, so a store is not tied to one hardware vendor.

The third setup is mobile acceptance away from a fixed counter, for a delivery driver, a market pitch, or a service call. Any browser-based terminal can do this, so the deciding factor becomes settlement rather than hardware. EukaPay settles in USD, EUR, GBP, or CAD to the merchant's own bank account, which makes the mobile case behave like the counter case. For more on the hardware question, see the EukaPay comparison of

crypto POS terminals and payment gateways

.

The EukaPay terminal is one product on an account that also handles deposits, payouts, and fiat settlement. EukaPay offers instant crypto-to-fiat conversion at a locked exchange rate to remove your exposure to crypto price swings. The same account supports most major cryptocurrencies. Settlement reaches your bank account in USD, EUR, GBP, and CAD. EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts. The fiat value of a counter sale is fixed at the moment the customer pays. A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method. You can read more about how the

locked exchange rate

behaves on a EukaPay account.

If your store also sells online, the same account issues invoices, payment links, and hosted checkouts, so in-store and online takings land in one balance. That is the practical reason to choose EukaPay for the counter: the store does not end up reconciling two systems at the end of the month. Open an account and configure the terminal on the device you already use.

Create a EukaPay account, complete verification, connect your bank account, and configure the terminal on any internet-connected screen or on a supported Clover, PAX, Poynt, or Sunmi device. You can

sign up for a EukaPay account

to get started. Developers (or coding agents) building against the same account can read the

API documentation

for invoices, subscriptions, payouts, balance transfer, and customers.

Do you need a special terminal to accept crypto payments in store?

No. The EukaPay terminal can run on any internet-enabled device with a screen, so a tablet, a phone, or a desktop browser is enough to take a payment at the counter.

Can EukaPay run on a POS device a store already owns?

Yes. EukaPay connects directly to Clover, PAX, Poynt, and Sunmi POS devices, so crypto can sit alongside the tenders already configured on that hardware.

What cryptocurrencies can a customer pay with at a EukaPay terminal?

EukaPay accepts most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, and USDT in store, from wallets including MetaMask, Trust Wallet, and Phantom.

Which fiat currencies can a store settle in?

EukaPay settles in USD, EUR, GBP, or CAD to the merchant's own bank account.

Does the store have to hold cryptocurrency after a sale?

No. The merchant chooses fiat or crypto settlement. With fiat settlement, EukaPay converts the payment at a locked exchange rate and settles the fiat amount to the merchant's own bank account.

How does a customer actually pay at the counter?

The staff member enters the amount on the terminal, a QR code appears on the screen, and the customer scans it and approves the transfer in their own wallet.

Are in-store crypto payments subject to chargebacks?

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

Can the same EukaPay account take online payments as well as in-store payments?

Yes. The same account issues invoices, payment links, and hosted checkouts, so a store that sells in person and online can often keep both in one balance.