Crypto Gateways with Fiat Settlement
Accept crypto payments, receive fiat (USD, EUR) in your bank account. These gateways handle the conversion for you.
Last updated: March 2026 · 13 gateways match this category
Fiat Settlement: Accept Crypto, Receive Dollars
Fiat settlement means the gateway converts received crypto to USD, EUR, or GBP and deposits it into your bank account. This is ideal for businesses that want to accept crypto as a payment option without holding volatile assets. BoomFi, BitPay, CoinGate, and CoinsPaid all offer fiat settlement.
Settlement timing varies: BitPay settles next business day, CoinGate within 1-2 days, BoomFi daily. CoinsPaid offers custom settlement schedules for enterprise clients. Factor this into your cash flow planning — crypto-only gateways settle immediately (to your wallet), while fiat settlement adds a 1-2 day delay.
Fiat settlement requires KYC. Every gateway offering bank deposits must verify your business identity for regulatory compliance. This is non-negotiable — anti-money laundering regulations require it. If you cannot provide business documents, you will need to use a crypto-only gateway and convert manually via an exchange.
Top 3 Compared
| Feature | BoomFi | CoinsPaid | BitPay |
|---|---|---|---|
| Tier | Silver | Bronze | Bronze |
| KYC Level | Minimal KYC | Full KYC | Full KYC |
| Transaction Fee | 1% | 0.8% | 1% |
| Monthly Fee | Free (Pro plan available) | Custom pricing | Free |
| Supported Crypto | BTC, ETH, USDT, USDC, SOL +1 | BTC, ETH, USDT, USDC, LTC +5 | BTC, ETH, USDT, USDC, LTC +4 |
| Chains | Ethereum, BSC, Solana, Polygon +3 | Ethereum, BSC, Tron, Polygon | Ethereum, Polygon, Litecoin |
| Subscriptions | |||
| Invoicing | |||
| POS Terminal | |||
| API | |||
| Plugins | None | None | WooCommerce, Shopify, Magento, BigCommerce |
| White Label | |||
| Mass Payouts | |||
| Fiat Settlement | |||
| Non-Custodial | |||
| Open Source | |||
| Affiliate Program | TBD Revenue share | Custom B2B partnership | Varies Partner program |
| Action |
All Matching Gateways
BoomFi
SaaS companies needing crypto subscription billing with fiat settlement
1%
6+ coins
CoinsPaid
Enterprise businesses processing high volumes who need fiat settlement and OTC services
0.8%
10+ coins
BitPay
Established businesses needing a fully compliant, regulated gateway with fiat settlement
1%
9+ coins
CoinGate
European businesses wanting EU-compliant crypto payments with fiat settlement in EUR
1%
10+ coins
Confirmo
European merchants wanting fiat settlement with white-label checkout
0.8%
8+ coins
ForumPay
Retail and e-commerce businesses wanting POS + online crypto acceptance with fiat off-ramp
0.5%
12+ coins
B2BinPay
B2B and enterprise businesses needing white-label crypto payment processing with fiat settlement
From 0.4%
10+ coins
CryptoPay
UK businesses wanting FCA-regulated crypto payment processing with GBP settlement
0.8%
6+ coins
Binance Pay
Businesses targeting Binance's 300M+ user base wanting zero-fee crypto payment acceptance
0%
14+ coins
0xProcessing
Mid-to-large businesses wanting white-label crypto processing with fiat settlement and proven scale
0.5%
12+ coins
Alchemy Pay
Businesses wanting a fiat-to-crypto bridge — accept card payments from non-crypto customers, settle in crypto or fiat
1%
10+ coins
TripleA
Asia-Pacific businesses wanting licensed, MAS-regulated crypto payment processing with fiat settlement
0.8%
6+ coins
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