Accept Bitcoin, ETH, stablecoins, and more — with or without KYC. Useful for founders in Stripe-unsupported countries or anyone who wants borderless payments.
9 gateways compared
Open-source, self-hosted, and fully non-custodial. You run it on your own server, keep your own keys, and pay no processing fees. Best for Bitcoin-native businesses that can handle technical setup.
Hosted gateway with non-custodial default flows and an optional custody balance. Supports 300+ cryptocurrencies, plugins, payment links, and fiat withdrawals. KYC can be triggered for suspicious activity or specific compliance cases.
MiCA-licensed in the EU and built for businesses that want compliance, checkout links, and fiat settlement. Merchants should expect KYC/AML checks and a straightforward 1% processing fee on the standard plan.
Legacy self-custodial product. Coinbase says Commerce is being unified into Coinbase Business and merchants must transition by March 31, 2026, so this is a migration path rather than a fresh greenfield choice.
Direct-to-wallet gateway with plugins, API, and white-label checkout. Public docs say you can start without KYC, and the API fee is 0.5% while white label is 1.5%.
Custodial gateway with white-label checkout, auto-convert, and fiat withdrawal options. Public FAQ says KYC is mandatory for all users, so this is a compliance-first option with flexible payment tooling.
No-KYC crypto gateway with no-code payment links, Merchant API, plugins, auto-convert, and auto-withdrawal. Public docs advertise fees from 0.4% and broad coin coverage.
Gateway with merchant API docs, CMS modules, auto-withdrawal, and flexible fees from 0.4%. Public AML/KYC materials show verification checks are part of the platform, so it is not a no-KYC option.
Enterprise-grade processor with direct bank settlement, crypto settlement, invoices, retail tools, and strong compliance controls. Fees are tiered by monthly volume, so it is best for serious businesses rather than hobby projects.
| No KYC | Self-hosted | Lightning | Fiat out | |
|---|---|---|---|---|
| BTCPay Server | ✓ | ✓ | ✓ | ✗ |
| NOWPayments | ~ | ✗ | ✗ | ✓ |
| CoinGate | ✗ | ✗ | ✗ | ✓ |
| Coinbase Commerce | ~ | ✗ | ✗ | ~ |
| Plisio | ✓ | ✗ | ✗ | ✗ |
| Cryptomus | ✗ | ✗ | ✗ | ✓ |
| OxaPay | ✓ | ✗ | ✗ | ✗ |
| Heleket | ✗ | ✗ | ✗ | ✗ |
| BitPay | ✗ | ✗ | ✓ | ✓ |
✓ Yes · ~ Partial or above threshold · ✗ No · Last updated May 2026 · Not financial advice