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Наш лучший выбор: Revolut — Лучший криптобанк для большинства пользователей Открыть счет ↗ (партнер)
● UPDATED 31 MAR 10 PROCESSORS 9 HOSTED · 1 SELF-HOSTED

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10 crypto payment gateways compared on fees, coin support, fiat settlement, integration options, and compliance — for merchants, SaaS platforms, and high-volume businesses.

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Reviewed by Stephan Kulik · Last updated: · How we rank
§ 01 ХОСТИНГОВЫЕ ПРОЦЕССОРЫ

Хостинговый — самый простой запуск.

1
7.8
NOWPayments Most Coins Hosted

350+ coins, 0.5% fee — widest altcoin coverage globally

💳 0.5% fee 🪙 350+ coins ★ 4.4 Trustpilot
2
7.8
CoinGate Hosted

MiCA-licensed EU gateway with 70+ coins and Lightning Network

💳 1% fee 🪙 70+ coins ✓ Fiat settlement ★ 3.6 Trustpilot
3
7.6
BitPay Best for Enterprise Hosted

The OG enterprise crypto payment gateway since 2011

💳 2% fee 🪙 100+ coins ✓ Fiat settlement ★ 1.2 Trustpilot
4
7.5
Stripe (Stablecoin Payments) Best for Developers Hosted

Global payments infrastructure now with 1.5% USDC in 100+ countries

💳 1.5% fee 🪙 3+ coins ✓ Fiat settlement ★ 1.8 Trustpilot
5
7.5
Coinbase Commerce Best for US Hosted

Backed by the most trusted name in crypto — 1% flat, 10+ coins

💳 1% fee 🪙 11+ coins ✓ Fiat settlement ★ 3.9 Trustpilot
6
7.2
TripleA Hosted

Most-regulated crypto gateway — MAS, ACPR, FinCEN licensed

💳 0.8% fee 🪙 5+ coins ✓ Fiat settlement ★ 3.7 Trustpilot
7
7

120+ coins, 0.4% fees, built for B2B mass payouts

💳 0.4% fee 🪙 120+ coins ✓ Fiat settlement ★ 3.5 Trustpilot
8
5.8
OpenNode Hosted

Bitcoin-only payments with Lightning Network — 160+ countries

💳 1% fee 🪙 1+ coins ✓ Fiat settlement ★ 2 Trustpilot
9
5.8
Plisio Hosted

0.5% fees, 50+ coins, no-frills gateway for cost-conscious merchants

💳 0.5% fee 🪙 50+ coins ★ 3.2 Trustpilot
§ 02 СОБСТВЕННЫЙ ХОСТИНГ И OPEN-SOURCE

Собственный хостинг — без комиссий, полный контроль.

1
6.3
BTCPay Server Best Self-Hosted Self-Hosted

Zero fees, self-hosted, open-source — full sovereignty

💳 0% fee 🪙 120+ coins
§ 03 СИСТЕМА ПРИНЯТИЯ РЕШЕНИЙ

Выберите то, что подходит вашему стеку.

Choose hosted if…

  • You want to start accepting crypto in minutes
  • You need a Shopify / WooCommerce / Magento plugin
  • You want optional fiat settlement (USD/EUR)
  • You don't run your own server

Choose self-hosted if…

  • You want zero transaction fees
  • You need full privacy and control
  • You have technical infrastructure in place
  • You process high volumes (the savings compound fast)
§ 04 МЕТОДОЛОГИЯ

Как мы оцениваем processors.

Scores weight transaction fees (20%), integration ease (15%), settlement speed (15%), coin support (15%), security & compliance (15%), fiat conversion (10%), and customer support (10%). Self-hosted processors receive a privacy premium.

Читать полную методологию →
§ 05 ВОПРОСЫ И ОТВЕТЫ

Часто задаваемые вопросы

What is a crypto payment processor? +
A crypto payment processor (also called a crypto payment gateway) allows businesses to accept cryptocurrency payments from customers. It handles the technical integration, blockchain monitoring, and optionally converts crypto to fiat currency. Examples include NOWPayments, BitPay, and Coinbase Commerce.
Which crypto payment processor has the lowest fees? +
NOWPayments charges 0.5% per transaction with no monthly fee, making it among the lowest-cost options for standard payments. BTCPay Server is free (self-hosted, open source) but requires technical setup. Stripe Crypto charges 1% but integrates into existing Stripe accounts seamlessly.
Do I need to convert crypto to fiat immediately? +
No. Most processors offer flexible settlement: you can receive crypto directly to your wallet, auto-convert to a preferred stablecoin (USDT/USDC), or convert to fiat (USD/EUR) via processors like BitPay and Triple-A that hold fiat banking licences. Fiat settlement typically takes 1–3 business days.
What is the difference between a hosted and self-hosted payment processor? +
A hosted processor (NOWPayments, BitPay, Coinbase Commerce) manages the infrastructure for you — easier to set up but you rely on a third party. A self-hosted processor (BTCPay Server) runs on your own server — no fees, full privacy, but requires technical knowledge to deploy and maintain.
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