Top 7 Crypto Payment Gateways You Can Rely on

Accepting payments in cryptocurrency through gateways is now as common as in traditional finance. With such a wide variety of platforms on the market, it can seem difficult to determine the most trustworthy ones — after all, large sums of money are within a risk. This article explains what distinguishes a reliable crypto gateway and provides 7 examples of platforms that have proven their trustworthiness.

What Is a Reliable Crypto Payment Gateway?

Working with finances involves a constant risk of encountering fraudsters and losing funds. Such situations should be unacceptable in the work of gateways, as businesses manage huge amounts of money. In the crypto field, due to its relative youth, fraudulent schemes may develop even more, so it is worth paying close attention to choosing a platform really capable of protecting your account.

First and foremost, the crypto gateway must comply with AML (Anti-Money Laundering) standards to prevent illicit financial activities and KYC (Know Your Customer) rules to help avoid fraud by verifying users. Regular CERTIK audits also confirm the platform’s legality. Additional protection layers include such measures as encryption technology, the ability to enable multi-factor (MFA) or two-factor (2FA) authentication, and whitelists preventing transferring funds to untrusted addresses. All of this should be accompanied by customer support ready to quickly resolve any issues.

Best Payment Gateways

Among the most frequently used platforms that merchants select for their reliability are the following:

• Cryptomus;

• SpectroCoin;

• Coinify;

• OpenNode;

• CoinPayments;

• CoinsPaid;

• SpicePay.

Cryptomus

Cryptomus payment gateway is a prime example of a reliable platform. It complies with AML and KYC regulations, protects transactions with encryption technology, and allows you to enable 2FA. It also has the feature of automatic logout after inactivity, preventing account misuse.

In terms of functions for business, the crypto gateway supports over 100 cryptocurrencies and charges a 0.4% commission. Integration options include API and over 20 plugins, as well as tools such as auto-conversion to stablecoins, recurring payments, mass payouts, and white label. Cryptomus operates worldwide and supports 22 languages, so you will definitely reach your audience here.

Pros:

• KYC compliant, automatic AML verification, 2FA, encryption, whitelist.

• 100+ supported coins.

• Fees are 0.4%.

• Global access and support for 22 languages.

• Supports API and 20+ plugins.

• Many useful tools for work.

• 24/7 support, personal manager.

Cons:

• Geographical restrictions.

SpectroCoin

The SpectroCoin platform complies with AML and KYC standards and offers 2FA as an additional security measure. But reliability is not the only thing it is chosen for. It offers a choice of crypto assets and fees that are network ones only. You can choose an API and several plugins to integrate with your website; also, there are features such as auto-conversion, libraries for templates and payment buttons.

Pros:

• AML and KYC compliance, 2FA

• Network fees only.

• Global access.

• Useful tools for work.

Cons:

• Small amount of cryptocurrencies (57).

• A few integration options.

Coinify

The Coinify gateway is popular in Europe, Asia, and some other regions — in 170 countries in total. It complies with KYC and AML standards and takes care of security settings. It has a support service, Help Desk, and provides a personal manager for individual assistance. The gateway features on Coinify are accepting payments in 35 cryptocurrencies with a commission of 1% or above. Integration methods include plugins, and tools to simplify work include corporate brokerage and individual currency trading.

Pros:

• AML and KYC compliance.

• Global access (170+ countries).

• Support service and Help Desk available.

Cons:

• High fees (from 1%); the amount differs in regions.

• Small amount of cryptocurrencies (35).

• A few integration options.

OpenNode

OpenNode requires each user to complete KYC, which confirms the platform's compliance. The gateway only supports Bitcoin and charges a 1% fee but offers many APIs and plugins for integration. Features such as automatic conversion to local currency and payouts are also available here. Payments are supported both on-chain and on the Lightning Network.

Pros:

• KYC compliance.

• Many useful tools for work.

• Many integration options.

Cons:

• Only Bitcoin is supported.

• High on-chain fee — 1%.

• Poor customer support.

CoinPayments

CoinPayments is one of the earliest crypto gateways. It follows KYC compliance, protects transactions with encryption technology, and allows you to connect 2FA. It supports 40 digital assets for payments, with fees ranging from 0.5 to 1.5%. Integration methods include API and a variety of 15 plugins, and the toolkit offers auto conversion, invoice builder, and payment buttons.

Pros:

• KYC compliance, 2FA, and encryption.

• Many useful tools for work.

• Many integration options.

Cons:

• A small number of cryptocurrencies (40).

• Fees may rise to 1.5% while converting.

• Limited geographical availability.

CoinsPaid

The CoinsPaid platform began its journey in Estonia but now operates in more than 45 countries. It adheres to KYB, KYC, and AML standards and has risk-scoring systems to detect suspicious activity. It accepts more than 20 crypto assets with a commission of up to 1%. Integration methods include API and several plugins. The website features are a knowledge base and customer support.

Pros:

• KYB, KYC, and AML compliance.

• Fees are less than 1%.

• Many integration options.

• Knowledge base and support service.

Cons:

• A small number of cryptocurrencies (20+).

• Limited geographical availability.

• A few tools for work.

SpicePay

The SpicePay platform is popular in South America, Asia, and Eastern Europe but is available worldwide. It adheres to KYC and AML standards and protects transactions using SSL technology. Although it only supports four cryptocurrencies, the gateway has a low fee of just 1%. The available tools include conversion and direct bank transfers, and the integration options are APIs and plugins. There is a 24/7 support service in case you have any questions.

Pros:

• KYC and AML compliance, SSL technology.

• Global access.

• Fees are up to 1%.

• 24/7 support service.

Cons:

• Small amount of cryptocurrencies (4)

• A few tools for work.

• Minimum payout amount.

We suggest you remember all the described gateways in one comparison table.

The choice of a payment gateway should be based not only on a functionality assessment but also on its security measures. This is precisely the factor determining smooth and successful operation on the platform. We wish you every success in your work!