Best Stripe Alternatives for Accepting Crypto Payments in 2026

The best Stripe alternative for crypto payments in 2026 could be PassimPay. It supports 74+ cryptocurrencies across 18+ blockchains, charges fees starting at 0.5%, and offers EUR and USD settlement. Stripe charges 1.5% for stablecoin payments and supports selected dollar-backed stablecoins rather than cryptocurrencies such as BTC, ETH, or USDT.

Introduction

Stripe is a broad payment platform covering cards, bank payments, subscriptions, invoicing, marketplaces, and other financial services. By 2026, it had also expanded its stablecoin payment functionality, allowing eligible merchants to accept dollar-backed digital currencies and receive the proceeds in their Stripe balance in local currency.

Stripe currently supports USDC on Tempo, Ethereum, Solana, Polygon, and Base. US businesses can also accept USDP on Ethereum and Solana and USDG on Ethereum. Stablecoin payments cost 1.5% of the transaction amount, and availability depends on the merchant’s country.

This functionality is convenient for existing Stripe merchants that want to add stablecoins as another payment method. However, it is more limited for companies that treat cryptocurrency as a core payment channel. Stripe does not accept BTC, ETH, USDT, or a broad range of altcoins through its standard stablecoin checkout, and each payment is limited to $10,000.

This article therefore compares alternatives to Stripe specifically for accepting crypto and stablecoin payments.

How We Ranked the Best Stripe Alternatives for Crypto Payments

We assessed each provider using six criteria that affect the complete crypto payment process:

• Security and compliance: regulatory status, merchant verification, transaction monitoring, account protection, and the availability of compliance information.
• Fees and pricing transparency: processing rates, fixed charges, network fees, conversion costs, and the difference between advertised and effective pricing.
• Supported assets and networks: the cryptocurrencies, stablecoins, and blockchain networks customers can use at checkout.
• Settlement options: whether merchants can receive crypto, stablecoins, EUR, USD, GBP, or other fiat currencies.
• Integrations: programming interfaces, modules for online stores, payment links, invoices, recurring payments, and customizable checkout tools.
• Merchant support: documentation, reporting, payment recovery, technical assistance, account management, and support for higher transaction volumes.

We compared these services only against Stripe’s crypto and stablecoin functionality. A provider did not receive a higher ranking for offering card acquiring, bank debits, or other conventional payment services outside the scope of this article.

Stripe Alternatives for Crypto Payments Compared

The current figures differ from some older Stripe and competitor comparisons. Stripe now supports more networks and stablecoins than the original brief stated, while BitPay currently advertises 100+ cryptocurrencies and CoinGate focuses its merchant product on 10+ payment assets.

1. PassimPay — Best Overall Stripe Alternative for Crypto Payments

Stripe’s stablecoin checkout is designed primarily as an additional payment method for businesses already using its infrastructure. PassimPay is more suitable when cryptocurrency acceptance is a core payment channel. It supports 74+ cryptocurrencies across 18+ blockchains, including BTC, ETH, USDT, and USDC, while Stripe is limited to selected dollar-backed stablecoins. PassimPay’s processing fees also start at 0.5%, compared with Stripe’s 1.5% stablecoin payment fee.

Merchants can accept assets such as BTC, ETH, USDT, USDC, and other cryptocurrencies, automatically convert incoming funds into stablecoins, or arrange settlement in EUR and USD. PassimPay also provides programming interfaces, modules for content management systems, invoices, payment links, QR codes, and permanent wallet addresses.

The Canadian entity within the group is registered with the Financial Transactions and Reports Analysis Centre of Canada as a money services business under registration number C100000852. PassimPay reports more than $4 billion in processed volume, 7.2 million monthly transactions, 99.99% service availability, and more than 530 merchants.

Advantages

• Broader cryptocurrency coverage: PassimPay supports 74+ cryptocurrencies, while Stripe’s checkout is limited to selected stablecoins. This makes PassimPay more suitable when customers pay with BTC, ETH, USDT, or other digital assets.
• Lower starting fee: processing starts at 0.5%, compared with Stripe’s published 1.5% stablecoin payment fee.
• More blockchain networks: support across 18+ blockchains gives merchants more flexibility over the networks and transaction costs available to customers.
• EUR and USD settlement: merchants can accept cryptocurrency and receive settlements in fiat instead of keeping all revenue in digital assets.
• Automatic stablecoin conversion: incoming volatile assets can be converted into USDT or USDC, reducing exchange-rate exposure between payment and withdrawal.
• Crypto-focused infrastructure: payment acceptance, conversion, withdrawals, mass payouts, reporting, and crypto settlement are central parts of the product rather than an additional payment method.
• Published operating figures: the provider discloses its processed volume, monthly transaction count, service availability, merchant count, and Canadian registration details.

Drawbacks

• PassimPay is not a complete replacement for Stripe’s card acquiring, bank payments, subscription billing, tax tools, or marketplace infrastructure. Businesses may need to use both services if they accept conventional and crypto payments.
• Merchant identity and business verification are mandatory. PassimPay is not a payment gateway for anonymous or document-free business accounts.
• Funds are temporarily held and processed within an account managed by the provider before conversion or withdrawal. It is not a self-hosted gateway that sends every payment directly to a merchant-controlled wallet.
• Support for 74+ assets is wider than Stripe’s selection but narrower than the 350+ cryptocurrencies offered by NOWPayments.
• EUR and USD settlement availability can depend on the merchant’s jurisdiction, business model, and completed verification.

PassimPay is best suited to online stores, gaming platforms, marketplaces, digital services, and international companies for which crypto is a meaningful payment channel rather than an occasional checkout option.

2. Stripe Stablecoin Payments — Best for Existing Stripe Merchants

Stripe remains a convenient option for companies that already use its payment infrastructure and only need to add stablecoins as one more payment method. Businesses can enable stablecoin acceptance through Checkout, Elements, Payment Links, Invoicing, Billing, or Stripe Connect instead of integrating a separate crypto gateway.

Stripe charges 1.5% of the transaction amount. Completed payments settle in the merchant’s Stripe balance in local currency, so the business does not need to hold or convert stablecoins itself. Customers are redirected to a Stripe-managed crypto page where they select a supported currency and network and connect their wallet.

Advantages

• Easy addition for existing users: merchants already using Stripe can enable stablecoin payments within their existing payment infrastructure.
• Local-currency settlement: Stripe converts completed stablecoin payments and credits the merchant’s standard Stripe balance.
• Several integration options: stablecoins can be accepted through Checkout, Elements, invoices, payment links, subscriptions, and marketplace accounts.
• Recurring payments: Stripe Billing supports stablecoin payments for invoices and subscriptions.
• Broad customer wallet compatibility: customers can connect supported cryptocurrency wallets through Stripe’s payment page.
• Refund support: full and partial refunds are returned as stablecoins to the customer’s original wallet.
• No conventional chargebacks: Stripe states that stablecoin payments do not produce disputes that withdraw funds from the merchant’s account.

Drawbacks

• Stablecoins only: Stripe’s standard flow does not accept Bitcoin, Ether, Tether, or other non-supported cryptocurrencies.
• Higher processing fee: the 1.5% charge is three times PassimPay’s published starting rate of 0.5%.
• Limited market availability: stablecoin acceptance is available to US businesses, while availability in the European Union, Hong Kong, Mexico, and Switzerland remains in private preview.
• Transaction limit: customers can pay no more than $10,000 in a single stablecoin transaction.
• Provider-managed checkout: customers are redirected to a Stripe-hosted page to connect their wallet and complete payment.
• Limited crypto treasury functionality: the standard product settles into local currency and is designed as a payment method within Stripe, rather than a multi-asset crypto account for holding, converting, and withdrawing different coins.

Stripe is best for companies that already rely on its wider payment stack and want a controlled way to add dollar-backed stablecoins without adopting a separate crypto operating system.

3. BitPay — Best for US Enterprise Merchants

BitPay is one of the longest-running cryptocurrency payment processors. It supports more than 100 cryptocurrencies and allows merchants to receive settlement in local currency, cryptocurrency, or a combination of the two. Daily fiat settlement is available directly to a bank account.

Pricing depends on monthly processing volume. Merchants processing less than $500,000 pay 2% plus $0.25 per transaction. The rate falls to 1.5% plus $0.25 from $500,000 and to 1% plus $0.25 at monthly volumes of $1 million or more.

Advantages

• More than 100 cryptocurrencies: BitPay supports major coins, stablecoins, and additional digital assets.
• Daily settlement: fiat settlements are processed each business day.
• Flexible allocation: businesses can receive funds in fiat, crypto, or a selected combination.
• Enterprise compliance: BitPay publishes its regulatory and compliance information and holds a New York virtual currency business license.
• Online and physical payments: available tools include hosted checkout, invoices, modules, programming interfaces, email billing, and retail payment products.
• Long operating history: BitPay has processed crypto payments since 2011.

Drawbacks

• The entry rate of 2% plus $0.25 is higher than Stripe’s 1.5% stablecoin fee and PassimPay’s 0.5% starting rate.
• The fixed $0.25 charge can be expensive for businesses processing many small payments.
• Payments remain under BitPay’s management until settlement.
• Full business verification is required.
• Higher fees may apply to businesses classified as high risk.
• Although BitPay supports many currencies, its public pricing and settlement model is oriented more toward established merchants than small crypto-native projects.

BitPay is best for US enterprises and international merchants that value daily bank settlement, a long operating record, and formal compliance processes.

4. CoinGate — Best for EU Merchants

CoinGate is a regulated European crypto payment gateway that operates under authorization within the EU Markets in Crypto-Assets framework. Its standard plan charges 1% per payment with no setup or monthly fee and currently supports more than 10 cryptocurrencies for merchant payments.

Merchants can receive crypto, convert incoming payments into stablecoins, or settle in EUR, USD, or GBP. CoinGate also provides programming interfaces, online-store modules, invoices, payment channels, refunds, conversion, and crypto payouts.

Advantages

• EU regulatory position: CoinGate provides European merchants with a clearer basis for regulatory and supplier review.
• Simple pricing: the standard processing fee is 1%, with no monthly charge.
• Fiat and stablecoin settlement: merchants can convert incoming crypto into EUR, USD, GBP, or supported stablecoins.
• Multiple integration methods: modules, programming interfaces, invoices, payment channels, and account-based tools are available.
• Published service fees: CoinGate lists standard processing, payout, conversion, and withdrawal charges.
• Enterprise plan: higher-volume merchants can request individual pricing and dedicated support.

Drawbacks

• Support for 10+ payment assets is narrower than PassimPay, BitPay, and NOWPayments.
• Merchant balances remain under the provider’s management until withdrawal or settlement.
• CoinGate’s 1% standard fee is lower than Stripe’s 1.5% but higher than PassimPay’s 0.5% starting rate.
• Full company verification and compliance review are required.
• The product is most relevant to European merchants; companies in other regions should confirm settlement access and contractual availability.

CoinGate is best for European online stores, marketplaces, and subscription services that value MiCA-regulated processing and bank settlement more than maximum coin coverage.

5. NOWPayments — Best for Maximum Altcoin Coverage

NOWPayments is the broadest option in this comparison by asset count. It supports more than 350 cryptocurrencies and offers programming interfaces, modules, invoices, payment links, buttons, recurring payments, point-of-sale tools, mass payouts, and branded payment pages.

The standard service fee is 0.5% when the merchant receives the same asset used by the customer. The fee increases to 1% when automatic conversion is required, while blockchain network costs apply separately.

Advantages

• More than 350 cryptocurrencies: customers can pay with major coins, stablecoins, and a long list of altcoins.
• Competitive single-currency fee: payments without conversion carry a 0.5% service fee.
• Automatic conversion: merchants can accept several assets while receiving a preferred cryptocurrency or stablecoin.
• Custodial and direct-wallet options: businesses can consolidate funds in a provider-managed balance or configure transfers to an external wallet.
• Wide integration range: programming interfaces, modules, payment links, buttons, invoices, recurring payments, retail tools, and mass payouts are available.
• Branded checkout: merchants can customize the payment experience and keep users on their own website with selected tools.

Drawbacks

• The 0.5% rate applies only when conversion is not required. Multi-currency payments generally cost 1%.
• Network fees remain separate and can materially increase costs on expensive blockchains.
• Fiat conversion and payouts can depend on third-party services and jurisdictional availability.
• Accepting hundreds of assets can create additional accounting, liquidity, and treasury work.
• Merchants need to review custody settings carefully because the route funds take depends on the selected account and payout configuration.
• Its regulatory positioning is less straightforward for EU merchants than CoinGate’s MiCA-authorized model.

NOWPayments is best for crypto-native companies, gaming platforms, online communities, and merchants whose customers genuinely use a wide range of altcoins.

FAQ

What is the best alternative to Stripe for crypto payments?

PassimPay could be the best Stripe alternative for businesses focused on crypto payments. It supports 74+ cryptocurrencies across 18+ blockchains, charges from 0.5%, and offers EUR and USD settlement, while Stripe charges 1.5% and limits its standard crypto checkout to selected stablecoins.

Does Stripe accept cryptocurrency payments?

Stripe accepts selected stablecoin payments. It supports USDC on Tempo, Ethereum, Solana, Polygon, and Base, while US businesses can also accept USDP on Ethereum and Solana and USDG on Ethereum. Stripe does not accept BTC, ETH, USDT, or a broad altcoin selection through its standard stablecoin payment method.

Which crypto payment gateway supports more coins than Stripe?

PassimPay, BitPay, CoinGate, and NOWPayments all support a broader selection of crypto assets than Stripe’s stablecoin payment method. PassimPay supports 74+ cryptocurrencies, BitPay more than 100, CoinGate more than 10, and NOWPayments more than 350.

Is there a cheaper alternative to Stripe for crypto payments?

PassimPay and NOWPayments publish starting fees of 0.5%, compared with Stripe’s 1.5% stablecoin payment fee. CoinGate’s standard rate is 1%. The final cost still depends on conversion, blockchain network fees, settlement method, transaction volume, and the merchant’s individual agreement.

Is PassimPay a good alternative to Stripe for businesses focused on crypto?

PassimPay is a practical alternative when cryptocurrency is a core payment channel. It supports BTC, ETH, USDT, USDC, and other assets, offers automatic stablecoin conversion and EUR or USD settlement, and provides several integration methods. It does not replace Stripe’s complete card, bank payment, billing, and marketplace infrastructure.

Final Words

For businesses that treat crypto as a core payment channel, PassimPay offers a more specialized alternative to Stripe’s stablecoin feature. It covers major cryptocurrencies beyond dollar-backed stablecoins and provides dedicated conversion, payout, and fiat settlement tools.

Stripe remains a go-to choice for existing users that only need to add selected dollar-backed stablecoins to their current checkout. BitPay is better suited to high-volume US enterprises, CoinGate offers a clearer regulatory position for EU merchants, and NOWPayments provides the broadest altcoin coverage.

The choice depends on the role crypto plays in the business. When stablecoins are simply one additional payment method, Stripe may be sufficient. When customers expect to pay with BTC, ETH, USDT, and other assets, a dedicated crypto payment gateway provides broader coverage and more specialized settlement tools.