Searching for a top crypto payment gateway returns two products wearing one name. The first is a card processor with a crypto button bolted onto the checkout page. The second takes crypto and stablecoin payments directly, converts them, and sends fiat to a business bank account. EukaPay is the second kind, and this page compares that kind only. A business that needs card acquiring will not find it here.

EukaPay is the recommendation on this shortlist, because the settlement side is where these products separate. The comparison below runs EukaPay against BitPay, CoinGate, and NOWPayments on four criteria a buyer can check: which fiat currencies reach your bank, which assets you can pay out, whether the exchange rate is locked, and what the published price is.

Most comparison pages rank on the acceptance fee. The fee matters, but it is one number on a page where three other things decide whether the product works for you.

Accepting a payment and getting paid are separate questions. A gateway can support a long list of cryptocurrencies and still settle into a currency your bank does not hold. Check the settlement list first, because it is the shortest list and the one that rules providers out. EukaPay settles to your own bank account in USD, EUR, GBP, CAD, and other currencies.

Money moving in is half the account. Contractors, affiliates, suppliers, and partners need paying, and a gateway that only handles acceptance leaves that job somewhere else. EukaPay sends payouts in USDC, USDT, ETH, and BTC, across the Ethereum, Tron, and Bitcoin networks. Asset and network are set per payout, so two recipients in the same run can receive different assets on different networks.

A crypto payment is priced in an asset that moves. The question is when the fiat value gets fixed. EukaPay locks the exchange rate by default on every conversion, on pay-ins and on payouts.

Refer to the websites for current information.

EukaPay answers all four rows from the same account, which is the point of the table: acceptance, conversion, settlement, and payouts sit in one place instead of three. BitPay publishes a tiered acceptance rate and settles in several local currencies. CoinGate publishes a flat standard rate and a separate payout charge. NOWPayments publishes a single service fee. Where those providers price acceptance and payouts as separate products, EukaPay quotes one volume-based price for the account, agreed with the team during onboarding. If you want the longer version of this exercise, our guide on

how to choose a crypto payment gateway

walks through the same criteria with more providers.

No, and a provider that says otherwise is selling something else. A crypto payment gateway is a second rail that runs beside the card rail you already have. Cards keep doing what cards do well, which is domestic checkout with a payment method every customer already holds.

The crypto rail earns its place on the payments your card rail handles poorly. Cross-border checkout is the clearest case, because every extra country in your customer list adds another issuer and another set of rules your acquirer did not write. Payouts are the second case. A card acquirer moves money toward you, not away from you, so paying a contractor or an affiliate is a separate system with separate fees.

EukaPay covers both directions. On the acceptance side, customers can pay in BTC, ETH, LTC, SOL, USDC, and USDT through

hosted checkout, invoices, payment links, or an in-store terminal

. Our note on

multi-chain asset coverage

has the full list of what each side supports.

EukaPay runs the whole flow on one platform: 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. Payouts are not tied to banking hours or the banking calendar.

The same account handles both sides.

Crypto payouts

can be sent one at a time through the API, or as a recipient list uploaded to the dashboard as a CSV file. Invoices, payment links, checkout, and subscriptions sit on the

gateway side

of the same account. For a business comparing providers on what actually reaches the bank, EukaPay is the one to shortlist first, and the next step is an account and an API key.

Open an account at

app.eukapay.com/signup

, complete verification, and provide your legal business information. Once that is done you can generate an API key and build against the

API documentation

, which covers invoices, subscriptions, payouts, balance transfer, and customers. A staging environment is available for development.

What is a crypto payment gateway?

It is a provider that accepts cryptocurrency and stablecoin payments from your customers and settles the value to you. With EukaPay you choose fiat or crypto settlement, and fiat settlement reaches your own business bank account.

Which cryptocurrencies can I accept?

Pay-ins support BTC, ETH, LTC, SOL, USDC, and USDT, among others. Payouts are sent in USDC, USDT, ETH, and BTC.

Can I get paid in my own currency?

Yes. EukaPay settles in USD, EUR, GBP, CAD, and other currencies to your bank account, so the crypto side never has to touch your books.

How do I fund the payout balance?

Two ways. Transfer from your account's main balance, or make a fiat deposit.

Do crypto payments have chargebacks?

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

Do I need to hold cryptocurrency to use a crypto payment gateway?

No. If you choose fiat settlement, the conversion happens at a locked exchange rate and the fiat amount is what reaches your account.

Can I test before going live?

Yes. A staging environment is available for development, and the API documentation covers the endpoints you will build against.

Does a crypto payment gateway handle recurring billing?

EukaPay subscriptions send invoices on a recurring schedule, at intervals from daily to annually. Plan management, retry logic, and programmatic billing cycle control are not part of it.