Accepting crypto is the easy part. The harder part comes after the payment clears: a crypto gateway whose conversion only moves money between cryptocurrencies still leaves the merchant to find their own route to a business bank account, whether that means a separate exchange account or an OTC desk.

EukaPay is a Cryptomus alternative built for that last step. It is a crypto payment gateway where you accept stablecoins or crypto, EukaPay converts at a locked exchange rate, and your business receives USD, EUR, GBP, or CAD in its bank account. This guide covers why merchants compare, what Cryptomus does well, where EukaPay is different, and how to switch.

In this guide, you'll learn:

Auto-Convert stays in crypto.

Cryptomus's Auto-Convert moves a payment between cryptocurrencies. That is not the same feature as settlement to a bank account.

No published route to a bank account.

Cryptomus does not publish a route that lands the money in a business bank account, so the merchant is left to build that step themselves.

Operating costs still run in fiat.

The business receiving a payment usually needs USD, EUR, GBP, or CAD in its own account to pay staff, vendors, and taxes. A platform that only moves value between cryptocurrencies leaves that last conversion as the merchant's own problem.

Cryptomus accepts 12+ cryptocurrencies, which suits a crypto-native audience that pays in a wide range of coins. Its Auto-Convert feature moves a payment from one cryptocurrency to another, which serves a merchant that wants to hold its balance in crypto or run its own treasury on-chain. If your priority is keeping and managing funds in crypto, that works.

EukaPay provides settlement in USD, EUR, GBP, CAD to your bank account. There is no separate off-ramp provider to select, contract with, and reconcile against. For Canadian merchants, Interac withdrawals are also available.

Every conversion runs at a locked exchange rate, on pay-ins and on payouts, to remove your exposure to crypto price swings. Conversion is part of the payment, not a second product you enable.

EukaPay supports most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, and USDT, which covers the assets merchants are actually paid in.

Refer to the websites for current information.

Switching a payment method is lower risk than most teams expect if you sequence it.

Create the account and start onboarding first.

EukaPay reviews every business before it goes live, so begin that review while your current gateway is still running.

Build against the sandbox.

A sandbox environment is available for development during the onboarding review, so your developer (or coding agent) can integrate and test in parallel.

Run both gateways briefly.

Keep your existing option live and add EukaPay as a second choice at checkout. Compare completed payments, settlement timing, and support response on real orders.

Move reconciliation before you move volume.

Decide how EukaPay's order references map to your accounting entries and confirm one full cycle matches your bank deposits.

Then switch the default.

Once a cycle reconciles cleanly, make EukaPay the primary option and retire the old integration.

Whichever surface you sell through, the same infrastructure sits underneath every EukaPay transaction: 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.

Signing up starts at the

EukaPay dashboard

, where a merchant completes verification and provides legal business information before generating an API key. The

API documentation

covers the invoice, subscription, payout, balance transfer, and customer endpoints an integration team will actually build against, backed by a staging environment for development work before going live.

What is the main difference between Cryptomus and EukaPay?

EukaPay builds crypto-to-fiat settlement into the product, so a payment can finish as a bank deposit in the merchant's own currency, converted at a locked exchange rate.

Does EukaPay settle crypto payments to a bank account?

Yes. A merchant chooses fiat or crypto settlement, and fiat settlement reaches the merchant's own bank account in USD, EUR, GBP, or CAD.

Which cryptocurrencies can a payer use on EukaPay?

EukaPay accepts BTC, ETH, USDT, USDC, BCH, LTC, SOL, and Lightning on the pay-in side.

What happens if a customer wants to pay in a cryptocurrency EukaPay does not accept?

The payer would need to use one of EukaPay's supported pay-in assets instead. Checking the asset list against a business's typical customer base avoids a mismatch at checkout.

Is the locked exchange rate optional on EukaPay?

No. The locked exchange rate applies by default on every conversion, on both pay-ins and payouts, with no opt-in step required.

Why would a business switch from Cryptomus to EukaPay?

The clearest reason is settlement. A business that needs its crypto revenue to land as fiat in its own bank account gets that as a standard part of EukaPay, instead of building the conversion step separately.

Will switching gateways interrupt my checkout?

It does not need to. Add EukaPay alongside your current provider, reconcile one full cycle, then make it the default and retire the old integration.