The payment gateway Canada businesses shortlist first is usually a card processor: Moneris, Stripe, Square, or Helcim. EukaPay is not a card processor. EukaPay is a payment gateway for stablecoins or crypto that settles to your own bank account in USD, EUR, GBP, or CAD. This guide is written for a Canadian business that already takes cards and now sells to customers outside Canada.

For that business, EukaPay is the recommended second gateway, because a crypto payment carries no card and no card-issuer country. The comparison below sets EukaPay beside Moneris, Stripe, Square, and Helcim on three criteria. Those criteria are the payment method the payer uses, what each card processor keeps from an online sale, and what changes when the card was issued outside Canada.

EukaPay is built for one kind of sale: an online order from a payer outside Canada. Three criteria separate EukaPay from the card processors on that sale.

A domestic card gateway accepts credit cards, and Moneris, Square, and Helcim also accept Interac Debit. A payer abroad may hold a card from another issuer, or may prefer to pay in USDC, USDT, or another cryptocurrency. EukaPay accepts most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, USDT through invoices, payment links, checkout, and subscriptions.

Card processors in Canada price online payments above in-person ones. Square's published Canadian rates are 2.5% for an in-person credit card and 2.8% + 30¢ online. Moneris publishes a flat 2.65% + $0.10 card-present and 2.85% + $0.30 card-not-present. EukaPay pricing is agreed with the EukaPay team during onboarding, based on your volume.

This is the number that grows with every export sale. Square adds 1.5% to transactions on cards issued outside Canada. Stripe's Canadian pricing adds 0.8% for international cards, plus 2% where currency conversion is required. On a CA$1,000 online order paid with a card issued outside Canada, Square's fee would be CA$43.30. Stripe's would be CA$37.30, and CA$57.30 if conversion applies. A EukaPay payment uses no card, so no card issuer and no issuer country sit in the transaction.

Refer to the websites for current information.

EukaPay is the gateway in the table built on stablecoins and crypto, while the other four run on card networks. Moneris and Helcim each publish an interchange-plus option, and Helcim's margin falls as monthly volume rises. Stripe and Square add a separate percentage for cards issued outside Canada. EukaPay adds a rail for the payers those surcharges hit, and settles the result in CAD or another listed currency.

EukaPay is the gateway to add, run alongside the card gateway you already use. The two cover different payers, so the decision is about which payer each sale comes from.

A card processor stays the right tool for domestic cards, Interac Debit, and in-store terminals. EukaPay does not issue merchant accounts or process card transactions, and it does not replace that setup. What EukaPay adds is a way for a payer outside Canada to pay in stablecoins or crypto through a hosted payment page, an invoice, or a payment link. The payer completes the transfer in a browser, and you receive fiat settlement in your own bank account.

For a business that bills foreign clients in USD or EUR, the settlement currency matters as much as the fee. The

best crypto payment gateway to settle in your local currency

covers how that choice works. For the wider cross-border picture, the guide to choosing an

international payment gateway

compares rails by corridor. Both start from the same point: EukaPay handles the payer the card gateway prices worst.

EukaPay gives a Canadian business 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. EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts. You choose fiat or crypto settlement, so a payment can land in CAD or stay in crypto.

A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method. The guide to

crypto chargebacks

explains what that means for disputes and refunds.

The same EukaPay account also sends crypto payouts. The payout balance can be funded by a transfer from your main balance or by a fiat deposit, and payouts are not tied to banking hours or the banking calendar. For a Canadian business with customers abroad, EukaPay is the gateway to add next. Keep your card processor for domestic cards, and route foreign payers to EukaPay.

Create a EukaPay account

, complete verification, and provide your legal business information. Then generate an API key. A staging environment is available for development, and the

API documentation

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

Is EukaPay a payment gateway for Canadian businesses?

Yes. EukaPay is a payment gateway for stablecoins and crypto, and a Canadian business can settle what it collects in CAD to its own bank account.

Can a Canadian business accept crypto payments and receive CAD?

Yes. Choose fiat settlement, and EukaPay converts each payment at a locked exchange rate and settles in USD, EUR, GBP, or CAD.

Does EukaPay process credit card payments?

No. EukaPay does not process card transactions. A Canadian business can keep its card gateway for domestic cards and add EukaPay for payers who want to pay in stablecoins or crypto.

Which cryptocurrencies can customers pay with on EukaPay?

EukaPay accepts most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, USDT on the pay-in side.

How much does EukaPay charge per payment?

EukaPay pricing is agreed with the EukaPay team during onboarding, based on your volume.

Can a crypto payment be charged back?

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

What do I need to start accepting payments with EukaPay?

Sign up, complete verification, provide your legal business information, and then generate an API key. A staging environment is available for development.

Can I send invoices and payment links from EukaPay?

Yes. EukaPay supports invoices, payment links, checkout, and subscriptions that send invoices on a recurring schedule.