Third party payment providers take payments on your behalf, so a business can sell without opening its own merchant account at an acquiring bank. The trade is that you hand three decisions to the provider. It sets the payment methods your customers can use. It sets the price of every payment. And it sets the rules for reversing a payment after the money lands.

For a business that wants stablecoins or crypto on that list, EukaPay is the provider to shortlist. Instead of cards, EukaPay accepts most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, USDT, and it settles in USD, EUR, GBP, or CAD to your bank account. This guide sets EukaPay against Stripe, PayPal, and Square, the card-first providers named in the top search results, on payment methods, price, and chargeback exposure.

Every provider on this page, EukaPay included, processes the payment on its way from your customer to your bank account. Signing up means accepting the provider's answer to three questions. EukaPay's answers are built for a business whose customers or counterparties already hold stablecoins or cryptocurrencies.

The provider's list of payment methods becomes your checkout. A card-first provider offers cards and wallets first, and adds other methods on top. EukaPay starts from the other end. A customer can pay with USDC, USDT, BTC, ETH, LTC, or SOL through an invoice, a payment link, checkout, or a recurring subscription invoice.

A third-party payment processor usually publishes a rate card, and the rate card becomes your cost of sale. Card rates often add a percentage for international cards and another for currency conversion. EukaPay has no public rate card. Its pricing is agreed with the EukaPay team during onboarding.

On card rails, a cardholder can dispute a payment through the card network after the goods ship. That dispute right belongs to the payment method, not to the provider. A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method. For more on how reversals work, see

whether crypto payments are reversible

.

Refer to the websites for current information.

EukaPay is built for stablecoin and crypto payments. Stripe also lists stablecoins as a payment method, and Square takes bitcoin in person. EukaPay pairs its crypto pay-ins with fiat settlement in USD, EUR, GBP, or CAD to your own bank account.

EukaPay fits a business that sells to buyers who already hold stablecoins or cryptocurrencies. That group often includes B2B buyers who settle invoices in USDC or USDT, and customers in markets your acquirer serves poorly. It also fits a business that wants payments without card disputes attached. The

guide to B2B stablecoin payments

covers how a finance team signs off on that setup.

A card-first provider fits a business whose customers pay almost entirely by card. In that case the card rate card is the main number to compare, and the provider's card coverage matters more than its crypto options.

A business can sit in both groups. It can keep a card provider for card payments and use EukaPay for stablecoin and crypto payments, so each rail runs on a provider built for it. The

crypto payment gateway for business checklist

lists what to require from the crypto side of that pair.

EukaPay runs pay-ins, payouts, and settlement from one account. It offers 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.

The locked exchange rate applies by default on every conversion, on pay-ins and on payouts. You choose fiat or crypto settlement. You can send crypto payouts to suppliers, affiliates, or contractors from the same account. Send them through the Payout API, or upload a CSV file in the merchant dashboard. The payout balance can be funded by a transfer from your main balance or by a fiat deposit. Payouts are not tied to banking hours or the banking calendar.

For a business adding stablecoin payments, EukaPay is the third-party payment provider to start with. The

crypto payment gateway selection guide

walks through the rest of the shortlist.

Create an account at

app.eukapay.com/signup

, complete verification, and provide your legal business information. Then generate an API key and build against the staging environment. The

API documentation

covers invoices, subscriptions, payouts, balance transfer, and customers for a developer (or coding agent) wiring EukaPay into your stack.

What are third party payment providers?

Third party payment providers are companies that accept payments on a business's behalf, so the business does not need its own merchant account. EukaPay is a third party payment provider for stablecoin and crypto payments.

Is EukaPay a 3rd party payment processor?

Yes, for stablecoin and crypto payments. EukaPay accepts cryptocurrencies like BTC, ETH, LTC, SOL, USDC, and USDT, and it does not process card payments.

Can a crypto payment be charged back?

A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method. Card disputes do not apply to a EukaPay crypto pay-in.

Which currencies does EukaPay settle in?

EukaPay settles in USD, EUR, GBP, or CAD to your bank account. You can also choose to keep settlement in crypto.

How is EukaPay priced?

EukaPay's pricing is agreed with the EukaPay team during onboarding. There is no public rate card.

Does EukaPay lock the exchange rate?

Yes. EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts.

What do I need to open a EukaPay account?

Sign up, complete verification, and provide your legal business information. After that you can generate an API key and use the staging environment for development.