List of Crypto Payment Gateways (2026): 10 Providers Compared

This is a list of the main crypto payment gateways in 2026, compared on what matters when you integrate one: fees, recurring billing, custody, and stablecoin support.

Disclosure: OrcaRail publishes this blog and is one of the gateways listed. Every competitor figure below comes from the provider's own pricing page or documentation, checked on 13 October 2026, with a link to the source. Pricing changes, so confirm with the provider before you decide.

Quick comparison

Gateway	Published fee (standard tier)	Recurring billing	Model
OrcaRail	0.5% per completed transaction, first 1,000 free; no fee when self-hosted	Yes: payment link per cycle, or on-chain auto-charge (EVM, Solana)	Hosted API or self-hosted; non-custodial by default
Coinbase Commerce	1%	Not documented	Hosted
BitPay	2% + $0.25 (lower at higher volume)	Invoice-based	Hosted, settles to fiat or crypto
NOWPayments	From 0.5% (1% with conversion)	Yes: recurring invoices	Hosted
CoinGate	1%	Scheduled invoices	Hosted
CoinPayments	3% + network fee	Not documented	Hosted
Cryptomus	2% for new accounts, negotiable to 0.4%	Yes	Hosted
Stripe stablecoin payments	1.5%	Yes, through Stripe Billing	Hosted, settles to fiat
MoonPay Commerce (Helio)	1%–2%	Yes	Hosted
BTCPay Server	None (you pay hosting)	Not built in	Self-hosted, open source

Network (gas) fees are extra on every gateway, and who pays them depends on the provider and your settings.

How to choose

• Selling subscriptions? Choose between gateways that send an invoice every cycle, where the customer pays each one by hand, and gateways that charge automatically from an approval the customer signs once. Automatic charging keeps churn lower. On-chain, this works through an ERC-20 allowance on EVM chains or an SPL token delegation on Solana. Why we chose allowance pulls.
• Fee at your volume. A flat percentage is easy to model. Fixed per-invoice fees, like BitPay's $0.25, weigh heavily on small payments.
• Custody and settlement. Some gateways hold your funds and pay out in fiat. Others send stablecoins straight to a wallet you control.
• Stablecoins and chains. Check that the tokens your customers hold (USDC, USDT) are accepted on the networks they use.
• Testing. A testnet sandbox lets you exercise the whole flow, including webhooks and renewals, without real money.

OrcaRail

OrcaRail is a developer-first API for stablecoin checkout and subscriptions on EVM chains and Solana.

• Fee: 0.5% per completed transaction on the hosted platform, and the first 1,000 transactions are free. Self-hosted OrcaRail has no OrcaRail fee. See pricing.
• Recurring billing: two collection methods. A payment link per cycle, or on-chain auto-charge that pulls each renewal from an ERC-20 allowance (EVM) or SPL delegation (Solana). See subscriptions.
• Custody: non-custodial by default. Payments settle to withdrawal addresses you control.
• Developer tooling: REST API, signed webhooks, Node and PHP SDKs, a Laravel Cashier package, a WooCommerce plugin, and an MCP server for AI coding agents.
• Testing: free sandbox organizations on testnets with ak_test_ keys.

Coinbase Commerce

Coinbase Commerce is Coinbase's merchant checkout.

• Fee: 1% per transaction, as listed on the Commerce page.
• Recurring billing: Coinbase Commerce documents no native subscription feature.
• Note: Coinbase has announced that it will fold Commerce into Coinbase Business. Check whether onboarding is open in your country.

BitPay

BitPay is one of the oldest crypto processors. It settles to a bank account or to crypto.

• Fee: tiered by monthly volume. 2% + $0.25 per paid invoice under $500K a month, 1.5% + $0.25 up to $1M, and 1% + $0.25 above that. See BitPay support.
• Recurring billing: invoice-based. The customer pays each bill.

NOWPayments

NOWPayments supports a long list of coins.

• Fee: starts at 0.5% for payments with no currency conversion. Payments with conversion are 1%. See pricing.
• Recurring billing: a Recurring Payments API that sends invoices or payment requests each billing period.

CoinGate

CoinGate is a hosted processor based in the EU.

• Fee: 1% per transaction on the Standard plan, with no monthly fee. Enterprise rates are custom. See pricing.
• Recurring billing: the Billing product sends "one-time or scheduled invoices."

CoinPayments

CoinPayments supports many coins and tokens.

• Fee: 3% per payment plus network fees, per its fee page. The page also lists a free tier, but it applies only to personal wallet deposits, not merchant payments.
• Recurring billing: not documented on the fee page.

Cryptomus

Cryptomus offers payments, payouts, and exchange in one account.

• Fee: new accounts pay 2% per transaction. Depending on business type, turnover, and integration, the rate can drop to 0.4%. See payment fees.
• Recurring billing: offered as a recurring payments service.

Stripe stablecoin payments

Stripe accepts stablecoins and settles them in your Stripe balance in local fiat.

• Fee: 1.5% of the transaction amount in USD. See Stripe docs.
• Tokens: USDC on Tempo, Ethereum, Solana, Polygon, and Base. USDP and USDG are accepted on some chains, US only.
• Recurring billing: yes, through Stripe Billing subscriptions.
• Limits: businesses must be in a supported country. The US is generally available, and the EU, Hong Kong, Mexico, and Switzerland are in private preview. Customers can pay up to $10,000 per transaction, and stablecoin payments have no dispute support.

MoonPay Commerce (formerly Helio)

MoonPay Commerce is the former Helio product, which grew out of the Solana ecosystem.

• Fee: 1% or 2% per transaction, depending on tier and risk category. Swaps cost 0.25% extra and auto off-ramp 0.5%. See pricing.
• Recurring billing: subscriptions are supported.

BTCPay Server

BTCPay Server is free, open-source, self-hosted software, focused on Bitcoin and Lightning.

• Fee: no processing fee. You pay for hosting and run the server yourself.
• Recurring billing: not a core feature.
• Custody: fully non-custodial. Payments go to your own wallet.

Summary

• Lowest published fee on a hosted platform: OrcaRail (0.5%, first 1,000 free) and NOWPayments (from 0.5% without conversion). Cryptomus reaches 0.4% only after negotiation.
• Free, self-hosted: BTCPay Server for Bitcoin, or self-hosted OrcaRail for stablecoins on EVM and Solana.
• Automatic on-chain subscriptions without per-cycle invoices: OrcaRail auto-charge. Stripe Billing also supports stablecoin subscriptions, at 1.5% and with fiat settlement.
• Settle to a bank in fiat: Stripe or BitPay.

To try OrcaRail, open a free sandbox and follow Getting started.