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Between August 2024 and November 2025, our research team analyzed 57 crypto payment processors across the world using the following weighted criteria:
- Supported Cryptocurrencies & Payment Options (25%): Variety of digital assets accepted plus traditional payment alternatives
- Transaction Fees & Pricing Transparency (20%): Cost structure, conversion fees, and settlement charges
- Settlement Speed & Flexibility (15%): Time to funds availability and fiat conversion options
- Security & Compliance (15%)*: Regulatory adherence, fraud prevention, and data protection
- Integration & Technical Support (15%)*: API quality, platform plugins, and customer service
- Industry & Risk Support (10%)*: Ability to serve high-risk merchants and specialized sectors
After applying this algorithm, we rank-ordered all companies and selected the top performers. The table below breaks down how each processor compares across the key factors that matter most to businesses evaluating the solutions offered by top crypto payment companies, with in-depth reviews to follow.
*Some criteria are not listed on the table for the purposes of brevity and concision. See company sections for more detailed breakdowns of rank placement.
The Top Crypto Payment Companies in 2025
1. Paynote: Best for Comprehensive Payments + Crypto Support
Paynote (formerly known as SeamlessChex) stands apart from dedicated crypto processors by offering a full-spectrum payment solution that includes cryptocurrency acceptance alongside traditional payment methods. This makes it the only processor on this list that can truly serve as your complete payment infrastructure rather than just an add-on for digital currency. The company specializes in serving high-risk and high-volume merchants, businesses that often face rejection or service termination from mainstream processors like Stripe and PayPal. It provides white-glove service with dedicated account management to help merchants navigate complex compliance requirements across all payment types.
The platform particularly excels for industries facing payment challenges: telemedicine, online gaming, nutraceuticals, CBD, insurance, and emerging sectors. Paynote's crypto capabilities integrate seamlessly with its core offerings of credit card processing, ACH payments, and eCheck solutions, meaning businesses can offer customers the choice between traditional and crypto payments without managing multiple vendor relationships, reconciling separate reporting systems, or facing the termination risk that comes with pure-crypto gateways relying on traditional processors for their business accounts.
Crypto Support: Bitcoin, major cryptocurrencies + credit cards, ACH, eChecks
Fees: 1-2% transaction fees (negotiated based on volume and payment type)
Fiat Conversion: Yes (automatic conversion available across all payment types)
Settlement Speed: 1-3 business days
Best For: High-risk merchants needing comprehensive payment options beyond crypto alone
2. Coinbase Commerce: Trusted & Established Crypto Brand
Coinbase Commerce leverages the trust and infrastructure of Coinbase, one of the world's largest cryptocurrency exchanges, with its primary strength being the automatic conversion to USDC, which protects merchants from volatility while keeping transactions on-chain. The service integrates with major platforms, like Shopify, WooCommerce, and Primer, through ready-made plugins, allowing Coinbase users to experience instant, zero-fee payments. However, the platform supports only 10+ cryptocurrencies, compared to competitors offering hundreds, and customers pay network gas fees, which can reach $20-$50 during periods of high blockchain congestion, creating unpredictable checkout experiences.
Coinbase’s primary drawbacks include its crypto-only functionality (no credit card or ACH processing), requiring businesses to manage separate payment providers for traditional transactions, plus difficult technical setup with incomplete documentation that frustrates non-technical merchants.
Crypto Support: 10+ major cryptocurrencies (Bitcoin, Ethereum, USDC, Litecoin, Dogecoin)
Fees: 1% transaction fee (managed custody), plus on-chain gas fees
Fiat Conversion: USDC auto-conversion (stablecoin-based)
Settlement Speed: Instant for Coinbase wallet users, on-chain timing for others
Best For: Businesses seeking a trusted brand with a stablecoin focus
3. BitPay, for established compliance and nonprofit support
BitPay holds the distinction of being one of the oldest crypto payment processors, with over a decade of operational history translating into robust compliance frameworks and established relationships with banking partners for fiat conversion. The platform particularly excels for nonprofits and donations, offering specialized tools like hosted donation pages and processing crypto donations at no fee for qualified 501(c)(3) entities. However, BitPay requires a non-refundable $150 application fee, with no guarantee of approval, which means merchants must pay upfront before knowing if they qualify—a significant barrier for smaller businesses testing crypto acceptance.
Additional drawbacks include crypto-only processing and slow customer support response times averaging 24-48 hours, compared to dedicated account managers. The platform charges both percentage fees (1%) and fixed fees ($0.25) per transaction, resulting in higher effective costs for smaller purchases. Additionally, it offers no support for high-risk industries, such as gaming or CBD, which require specialized underwriting expertise rather than standardized approval processes.
Crypto Support: Bitcoin, Ethereum, Dogecoin, USDC, SHIB, 100+ cryptocurrencies, including Lightning Network
Fees: 1% + $0.25 fixed fee per transaction; $150 non-refundable application fee
Fiat Conversion: Yes (USD, EUR, GBP, and additional currencies)
Settlement Speed: Next business day for fiat settlements
Best For: Established enterprises requiring compliance and nonprofit organizations
Summary of Online Reviews
Organizations highlight "excellent fiat settlement in multiple currencies" and "strong fraud prevention tools for large volumes," while frequently mentioning frustration with the "$150 application fee with no approval guarantee" and "slow customer support response times."
4. NOWPayments, for maximum cryptocurrency variety
NOWPayments delivers the broadest cryptocurrency support of any processor reviewed, accepting over 300 digital assets, including major coins, stablecoins, and niche tokens, through a non-custodial platform that lets merchants maintain full control of their funds. The platform offers extensive integration options, including payment links, donation buttons, point-of-sale tools, and eCommerce plugins for WooCommerce, Shopify, and other major platforms. However, NOWPayments offers crypto-only processing with limited fiat settlement options compared to comprehensive processors, and businesses serving high-risk industries receive no specialized compliance support or dedicated account management.
On the other hand, customer support quality suffers during high-volume periods, with response times stretching to 48-72 hours when merchants face urgent payment issues. The platform also excludes traditional payment methods, forcing businesses to manage multiple vendor relationships, separate reporting dashboards, and the constant risk of termination that comes with being identified as a "high-risk" category by your primary credit card processor.
Crypto Support: 300+ cryptocurrencies, including BTC, ETH, all major altcoins, and stablecoins
Fees: 0.5% for single-currency transactions; 1% with auto-conversion (excludes network fees)
Fiat Conversion: Yes (limited compared to competitors)
Settlement Speed: 5-10 minutes average confirmation time
Best For: Maximum crypto variety and customization for crypto-native businesses
Summary of Online Reviews
Users commend "incredibly wide coin selection" and "easy no-code integration tools," but some report "customer support delays during high volume" and "limited fiat settlement compared to competitors." Several users note that they have "lower fees than most alternatives."
5. CoinPayments, for altcoin specialization
Location: Canada
Year Founded: 2013
Price Range: $
Average Review Score: 3.6/5.0
Services Offered: 2,300+ cryptocurrencies, auto-conversion, invoicing, shopping cart plugins
CoinPayments boasts support for over 2,300 cryptocurrencies, the highest count in the industry, making it ideal for businesses serving crypto-native customers who may hold less common digital assets. The processor offers extensive plugin support for BigCommerce, WooCommerce, Magento, and other eCommerce platforms, allowing merchants to set up auto-conversion between cryptocurrencies to receive payment in their preferred asset.
The platform offers crypto-only processing, with no custom onboarding or dedicated account management, leaving merchants to navigate complex cryptocurrency operations independently without personalized guidance. Additionally, it provides no specialized support for high-risk industries.
Crypto Support: 2,300+ cryptocurrencies across all major and niche blockchains
Fees: 0.5% processing fee (plus network transaction fees)
Fiat Conversion: Yes (crypto-to-crypto and crypto-to-fiat options)
Settlement Speed: Variable by network (Bitcoin ~10 min, faster for alt chains)
Best For: Businesses wanting extensive altcoin support for crypto-enthusiast customers
6. Stripe, for existing Stripe ecosystem integration
Location: San Francisco, CA
Year Founded: 2010 (crypto added 2024)
Price Range: $$
Average Review Score: 4.2/5.0
Services Offered: USDC/USDT acceptance, auto-conversion to USD, standard Stripe integration
Stripe's crypto offering focuses exclusively on stablecoins (USDC and USDT) across Ethereum, Polygon, and Solana networks, automatically converting stablecoin payments to USD that settles in merchants' Stripe accounts while maintaining Stripe's signature developer experience and reporting consistency. For businesses already using Stripe for traditional payments, adding crypto requires minimal additional setup through Stripe Checkout, Elements, or Payment Intents API. However, Stripe's crypto product remains in public preview with limited availability, requiring individual approval for U.S. businesses only. The documentation is incomplete with references to non-existent features, making implementation frustrating without experienced developer resources.
Stripe's biggest drawback for high-risk merchants is the sudden termination of accounts with little explanation or recourse, which affects both their traditional and crypto processing simultaneously. The platform also supports only two stablecoins (no Bitcoin, Ethereum, or altcoins), severely limiting customer payment options compared to competitors that offer hundreds of cryptocurrencies. They also charge the highest fees on this list at 1.5%, while providing no dedicated account management, white-glove onboarding, or specialized compliance support for challenging industries.
Crypto Support: USDC and USDT (stablecoins only) on Ethereum, Polygon, and Solana
Fees: 1.5% transaction fee
Fiat Conversion: Auto-converts to USD and settles to Stripe balance
Settlement Speed: Standard Stripe timing (typically 2-7 business days)
Best For: Existing Stripe and low-risk merchants adding crypto
Summary of Online Reviews
Existing Stripe users appreciate "seamless integration with current Stripe infrastructure" and "familiar reporting format," but commonly complain about "confusing and incomplete documentation" and "limited access requiring approval." Many note it "feels unfinished and early-stage."
The Top Crypto Payment Companies in the US by Specialty
We also broke down the top companies into three subcategories based on specialty:
Best for High-Risk Merchants Needing Full Payment Options: Paynote
Paynote wins the overall crown for comprehensive payment options because it is one of the few full-service (ACH, eCheck, credit card) payment processors that offer crypto. Most of the others are traditional low to mid-risk processors that do not support the industries with the greatest need for crypto, making them harder to recommend. Since Paynote is not only crypto-friendly but also a high-risk specialist, it stands out as a leader in this market.
Best for Maximum Cryptocurrency Variety: CoinPayments
CoinPayments wins out on sheer crypto variety. While we don’t recommend crypto as a primary payment option, firms looking to conduct business exclusively through crypto should consider CoinPayments, as they cast the widest net.
Best for Established Brand Trust & Compliance: Coinbase
Coinbase is one of the most recognizable names in decentralized finance, and there are few platforms that can rival it in terms of sheer brand recognition and trust.
Best for eCommerce: Paynote
Paynote dominates the eCommerce category by offering every payment method customers want through a single integration, including credit cards (75% of transactions), ACH payments, eChecks, and cryptocurrency. This eliminates the need to manage multiple payment providers with separate dashboards, reconciliation processes, and API integrations. The platform's transaction routing across multiple banking partners automatically handles seasonal volume spikes that plague eCommerce businesses during holidays and sales events, while straightforward APIs and native Shopify integrations make implementation faster than other options on this list.
The Bottom Line: Comprehensive Solutions Win
Cryptocurrency represents an important payment option for modern businesses, but it's rarely the only payment option customers want. The most successful merchants offer choice: crypto for those who prefer it, credit cards for the majority, and ACH or eChecks for those who want bank-to-bank transfers.
Paynote delivers this comprehensive approach while specializing in the high-risk categories that pure-crypto processors and mainstream payment companies won't serve. If your business operates in gaming, nutraceuticals, telemedicine, CBD, or other challenging industries, and you want to offer crypto alongside traditional payment methods, Paynote provides the expertise and infrastructure to support sustainable growth.
Apply now to see how Paynote beats the top crypto payment companies when you want to consolidate your payment infrastructure.
