September 29, 2026
Best Crypto Payment Gateways for E-commerce Stores in 2026
A practical comparison of crypto payment gateways for online stores: fees, custody, card support, verification and integrations — and which store each one suits.
Choosing a crypto payment gateway for a store comes down to five questions: how much it costs, who holds the money, whether non-crypto customers can pay, what verification you need and how it plugs into your store.
Comparison
| Gateway | Fee per payment | Custody | Card payments | Merchant verification |
|---|---|---|---|---|
| Vulta | 0% (flat plans from $0) | Non-custodial | Yes, 13 providers | None |
| CoinGate | 1% + payout fees | Custodial | Limited | KYC/KYB |
| NOWPayments | 0.5% (1% multi-currency) | Direct to your wallet | Via partners | Varies |
| Coinbase Commerce | 1% | Self-managed wallet | No | Coinbase account |
| BitPay | 1–2% + $0.25 | Custodial (fiat settlement) | No | KYB |
| Plisio | 0.5% | Custodial | No | Light |
| OxaPay | 1.5% on links | Custodial | No | Light |
| Cryptomus | 0.4–2% | Custodial | Limited | KYC (since 2025) |
Fees change; figures reflect public pricing pages and reviews at the time of writing.
How to choose
You want fiat in a bank account automatically: CoinGate or BitPay — at a percentage fee and with full business verification.
You want the lowest fees and funds in your own wallet: Vulta charges 0% and settles directly to your wallet; NOWPayments and Coinbase Commerce also pay to your wallet, at 0.5–1% per payment.
Most of your customers don't hold crypto: you need card payments. Vulta routes card payments across 13 licensed providers by the customer's country and settles USDC to you — or run a card-only checkout that never mentions crypto.
You need a plugin for a specific platform: check each gateway's integrations. Vulta works on any site through payment links and an embeddable checkout (Max), plus webhooks to mark orders paid.
Our take
For most small and mid-size stores, the deciding factors are card support and fees. A crypto-only checkout leaves out most shoppers; percentage fees add up as you grow. Read the detailed comparisons: Vulta vs CoinGate, vs NOWPayments, vs Coinbase Commerce, vs BitPay, vs Cryptomus.
Frequently asked questions
Which crypto payment gateway has the lowest fees?
Vulta charges 0% per payment with flat monthly plans. Among percentage-based gateways, Plisio and NOWPayments start around 0.5% and Coinbase Commerce at 1%.
Which gateway lets customers pay by card?
Vulta routes card payments across 13 licensed providers and settles USDC to your wallet. Most crypto-only gateways either don't support cards or rely on a single partner.
Which gateways are non-custodial?
Vulta sends every payment straight to your wallet. Coinbase Commerce's self-managed option and NOWPayments also pay to your wallet; CoinGate, BitPay, Plisio, OxaPay, Cryptomus and CoinPayments hold funds on their balance before payout.
Which gateway is best for a store without a company?
Gateways that require business verification (CoinGate, BitPay) won't work. Vulta needs no verification.