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Crypto payment gateways compared.

Five ways to take stablecoin payments at checkout, compared on what matters to a store. Every figure comes from each company's own pages, checked on 18 October 2026.

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Five gateways, side by side.

The fee, who holds the money, where your business can be, what customers pay with, and how cash reaches your bank.

BitPayNOWPaymentsCoinGateCoinbase BusinessMintage Pay

Fee per payment2% + 25¢ below $500,000 a month, 1.5% + 25¢ up to $1M, 1% + 25¢ above. Higher for high-risk industries1.0% when you receive the coin the customer paid, 1.5% when it is converted1%, plus 0.50 EUR + 0.5% on each crypto payout (0.50 EUR + 1.5% with conversion)1% for merchants moving from Coinbase Commerce1% per completed payment. No setup fee and no monthly fee

Who holds the moneyPaid to BitPay, then settled to you dailyOffers a custody balance; payouts to your wallet have no service fee, only network feesYour CoinGate account balance, until you withdrawCoinbase holds your funds (custodial only)Nobody: every payment goes straight to your own wallet

Where your business can beNew merchants from the US and Canada. The EEA, UK and Australia are paused for new merchantsIts terms say the service is not offered to residents or citizens of the EU, the UK, the US, the UAE or RussiaMerchants in 60 countries; the US is not one of themBusinesses with a legal entity in the US or SingaporeStores in the US and most other countries, by application

What customers pay withBitcoin, Ethereum and other coins; stablecoins listed include USDC, DAI and EURC (USDT is not on its pricing page)More than 350 currencies, USDT among themMore than 10 cryptocurrenciesUSDC (USDT announced)USDC on Base, Polygon and Solana. USDT on Polygon, Solana and TRON

Getting cash to your bankDaily settlement to your bank in AUD, CAD, EUR, GBP, MXN, NZD or USDNot covered in its fee guideCrypto and SEPA withdrawals free (50 EUR minimum); SWIFT 0.5%Direct to your bank accountThrough your own Stripe, Coinbase Business or exchange account

Checked on 18 October 2026 on each company's own pages: BitPay pricing, BitPay supported countries, NOWPayments fee guide, NOWPayments terms of service (updated 16 October 2026, section 15), NOWPayments pricing, CoinGate pricing, CoinGate's public list of merchant countries, Coinbase: Transitioning from Coinbase Commerce to Coinbase Business. Prices and policies change, so check them before you decide. Mintage Pay is not affiliated with any of these companies.

One at a time.

Mintage Pay vs BitPay

Fees with a 25¢ charge per payment, daily settlement, and new merchants paused outside the US and Canada.

Mintage Pay vs NOWPayments

Hundreds of coins, 1.0% or 1.5%, and terms that exclude the EU, the UK and the US.

Mintage Pay vs CoinGate

Euro payouts, payout fees on top of 1%, and no US merchants.

Coinbase Business vs Coinbase Commerce

What changed when Commerce closed, and the self-custodial option outside the US and Singapore.

How to choose

Start with where your business is: two of these do not onboard US businesses, one does not serve the EU or the UK, and Coinbase Business is for the US and Singapore only.

Then decide who should hold the money. Most gateways keep payments in an account until they settle or you withdraw. Mintage Pay pays each order straight to your own wallet.

Count the whole fee

Compare the total, not the headline rate: a fixed charge per payment and payout or withdrawal fees add up, especially on small orders.

On a $20 order: BitPay's first tier is $0.65 (2% + 25¢), NOWPayments $0.20 or $0.30, CoinGate $0.20 plus payout fees, Mintage Pay $0.20.

Questions merchants ask when choosing.

Which crypto payment gateway has the lowest fees?

On a typical stablecoin payment: Mintage Pay 1% flat; CoinGate 1% plus 0.50 EUR + 0.5% on each crypto payout; NOWPayments 1.0%, or 1.5% with conversion; Coinbase Business 1% for merchants moving from Commerce; BitPay 2% + 25¢ below $500,000 a month.

Which gateways do not hold my money?

Mintage Pay sends every payment straight to your own wallet. BitPay settles to you daily, CoinGate keeps a balance until you withdraw, Coinbase Business is custodial, and NOWPayments offers a custody balance with payouts to your wallet.

Which ones accept US businesses?

BitPay (US and Canada), Coinbase Business (US and Singapore) and Mintage Pay (the US and most other countries). CoinGate's merchant list does not include the US, and NOWPayments' terms exclude US residents and citizens.

Which ones accept businesses in Europe or the UK?

CoinGate (60 countries, including the UK and most of the EU) and Mintage Pay. BitPay has paused new merchants in the EEA and the UK, NOWPayments' terms exclude the EU and the UK, and Coinbase Business is US and Singapore only.

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