BitPay is the gateway to start with for a US merchant: it publishes its fee (2% + 25 cents below $500,000 a month, falling to 1% above $1,000,000) and holds New York DFS authorization. Stripe now accepts stablecoins for US businesses outside New York. Most other providers here quote fees only after signup.
Quick answer
Choose BitPay if you want a published fee and New York coverage. Choose Stripe Stablecoin Payments if you already use Stripe and are not in New York.
- 01BitPay: Best published pricing
- 02Stripe Stablecoin Payments: best for Stripe users
- 03Coinbase Business: best for Coinbase accounts
- 04Triple-A: Best licensed enterprise
- 05Coinflow: best for USDC settlement
The 5 best crypto payment tools
BitPay has processed crypto payments since 2011. Its pricing page lists 2% + 25 cents per payment below $500,000 a month, 1.5% + 25 cents to $999,999 and 1% above $1,000,000, plus NMLS ID 1496848 and New York DFS authorization.
- Chains
- Bitcoin, Bitcoin Cash, Litecoin, Dogecoin, XRP Ledger, Ethereum, Polygon, Arbitrum, Optimism, Base, Solana
- Platforms
- Web, API, Plugins
- Fees
- Under $500,000/mo: 2% + 25¢; $500,000 to $999,999: 1.5% + 25¢; $1,000,000+: 1% + 25¢; higher for high-risk industries
- US availability
- US merchants supported; NMLS ID 1496848; NY DFS virtual currency authorization
- Launched
- 2011
Pros
- Fee drops to 1% + 25 cents at $1,000,000+ monthly volume
- Registered with NMLS (ID 1496848) and authorized by the NY DFS
- In business since 2011
Cons
- 2% + 25 cents fee below $500,000 monthly volume
- Higher fees for high-risk industries
- Fixed 25 cent charge on every invoice at every volume tier
Skip it if you sell in a high-risk industry: BitPay says higher fees apply.
Stripe's stablecoin payments take USDC on Tempo, Ethereum, Solana, Polygon and Base, and are open to US businesses in every state except New York. Customers can pay up to $10,000 per transaction.
- Chains
- EthereumSolanaPolygonBaseTempo
- Platforms
- Web, API
- US availability
- US businesses in all states except New York
- Chains
- USDC on Tempo, Ethereum, Solana, Polygon and Base; USDP on Ethereum and Solana (US only); USDG on Ethereum (US only)
Pros
- Settles in USD, so the merchant holds no crypto
- Works with subscriptions, invoices and Connect
- No disputes or chargebacks
Cons
- Not available to businesses in New York
- Customer limit of $10,000 per transaction
- Refunds always go back as stablecoins; no manual capture
Skip it if your business is in New York, or you need a published crypto fee: Stripe's pricing page gives none.
#3C
Best for Coinbase accounts
Coinbase Business replaced Coinbase Commerce: the old /commerce page now redirects to it. It is available in the US and Singapore, and funds sit in a Coinbase account.
- Platforms
- Web, API
- Custody
- Custodial
- US availability
- Available in the US and Singapore
- Fees
- Fee on each completed payment; rate shown only inside the account
- Chains
- USDC on Ethereum, Base, Polygon, Optimism, Avalanche and Arbitrum; USDT on Ethereum
Pros
- Payments settle to the account in seconds, 24/7
- Stablecoin payments are final, with no chargebacks
- Payment links and invoicing built in
Cons
- Only available in the US and Singapore
- Per-payment fee is not published; visible only after login
- Custodial: funds sit in a Coinbase account
Skip it if you want to know the fee before signing up: Coinbase shows the rate only inside the account.
Triple-A, founded in 2020, is a FinCEN-registered MSB with US money transmitter licenses (NMLS ID 2514255), and also holds licenses in France, Singapore and Canada.
- Platforms
- Web, API
- US availability
- FinCEN MSB 31000330633586; money transmitter licenses, NMLS ID 2514255
- Launched
- 2020
- Chains
- Bitcoin, Ethereum, Tron, Polygon, Lightning, Solana, Arbitrum; Binance Pay
Pros
- US money transmitter licenses (NMLS ID 2514255)
- EU CASP and payment institution licenses in France
- Payouts in 30+ local currencies across 70+ countries
Cons
- No public fee schedule
- Aimed at enterprises; pricing via sales
- Founded in 2020, a shorter track record than older processors
Skip it if you run a small shop: Triple-A publishes no fee schedule and sells through its sales team.
Coinflow takes US payments by card, ACH, wire and Cash App Pay and settles in USDC to Solana, EVM or Stellar wallets. It suits merchants who want crypto settlement from ordinary payment methods.
- Platforms
- Web, API, SDK
- US availability
- US pay-ins by card, ACH, wire transfer and Cash App Pay
- Chains
- USDC settlement to Solana, EVM and Stellar wallets or contracts
Pros
- US pay-ins by card, ACH, wire and Cash App Pay
- Direct USDC settlement to a merchant wallet or contract on Solana, EVM or Stellar
- Homepage states fraud and chargeback liability is shifted to Coinflow
Cons
- No public pricing page
- Built for merchants, not individual users
- Crypto pay-ins are an optional advanced rail, not the default
Skip it if you want a price list: Coinflow has no public pricing page.
Not on this list
NOWPayments: Terms exclude US residents: NOWPayments' terms say the service is not offered to US residents or citizens.
Coinbase Commerce: its page now redirects to Coinbase Business, which is ranked instead.
BitPay Card: not a merchant tool, and BitPay's card page now redirects to its homepage.
Crypto Payment Tools compared
Select a name to jump to its review.
| Name | Best for | US availability | Chains |
|---|
| BitPay | US merchants, incl. NY | US merchants supported; NMLS ID 1496848; NY DFS virtual currency authorization | Bitcoin, Bitcoin Cash, Litecoin, Dogecoin, XRP Ledger, Ethereum, Polygon, Arbitrum, Optimism, Base, Solana |
|---|
| Stripe Stablecoin Payments | Stablecoins at checkout | US businesses in all states except New York | EthereumSolanaPolygonBaseTempo |
|---|
| Coinbase Business | Merchants already on Coinbase | Available in the US and Singapore | USDC on Ethereum, Base, Polygon, Optimism, Avalanche and Arbitrum; USDT on Ethereum |
|---|
| Triple-A | Larger merchants | FinCEN MSB 31000330633586; money transmitter licenses, NMLS ID 2514255 | Bitcoin, Ethereum, Tron, Polygon, Lightning, Solana, Arbitrum; Binance Pay |
|---|
| Coinflow | Card pay-ins settled in USDC | US pay-ins by card, ACH, wire transfer and Cash App Pay | USDC settlement to Solana, EVM and Stellar wallets or contracts |
|---|
“Not verified” means we could not confirm the value on the project’s own pages.
How we rank crypto payment tools
- 01Published fee: the processing fee on the provider's own pricing page. A fee shown only after signup counts against it.
- 02US licensing: FinCEN registration, NMLS ID or state licenses named on the provider's own pages, and any excluded states.
- 03Settlement: whether you receive fiat, stablecoins or crypto.
- 04Coverage: coins, stablecoins and networks accepted.
No project paid to be listed or ranked. Full rules: methodology.
What we did not test
- We did not open accounts, deposit money or place trades with these services.
- We did not audit smart contracts, reserves or security claims ourselves; we report what the project and its auditors publish.
- Fees, limits and availability change; the list date shows when we last checked them.
Rubric last updated Oct 1, 2026. Crypto assets are not insured by the FDIC or SIPC, and you can lose all the money you put in. This page is educational content, not financial advice.
How to choose
01Compare fees at your real volume
BitPay's rate drops from 2% + 25 cents to 1% as monthly volume passes $1,000,000.
02Check your state
Stripe's stablecoin payments exclude businesses in New York. BitPay holds New York DFS authorization.
03Decide on settlement before you integrate
Coinflow settles in USDC; Coinbase Business keeps funds in a Coinbase account. Settling straight to your bank avoids holding crypto on the balance sheet.
04Plan refunds
Stripe returns stablecoin refunds as stablecoins. Write a refund policy that says so.
Who should skip all of these
- Individuals paying friends: these are merchant tools. See our best crypto wallets list.
- Merchants who cannot handle KYB checks: every provider here verifies the business.
- Shops that need a card to spend crypto: a crypto card is a different product.
Bottom line
For a US merchant, BitPay is the safe default: its fee and licenses are on its own pricing page. If you already use Stripe and are outside New York, add stablecoin payments there first.
Ask any provider without a public fee for a written quote before you integrate.
Educational content, not financial advice. Crypto assets are volatile; do your own research.
FAQ
What does it cost to accept crypto payments?
±
BitPay charges 2% + 25 cents per payment below $500,000 a month and 1% above $1,000,000. Stripe, Coinbase Business, Triple-A and Coinflow do not publish a rate.
Is Coinbase Commerce still available?
±
Its page now redirects to Coinbase Business, which is available in the US and Singapore.
Can a New York business accept crypto?
±
BitPay holds New York DFS authorization. Stripe's stablecoin payments are not available to businesses in New York.
Can I receive dollars instead of crypto?
±
BitPay settles in fiat. Coinflow settles in USDC, and Stripe's stablecoin payments land in your Stripe balance.
Can customers dispute a stablecoin payment?
±
Not with Stripe: its stablecoin payments have no dispute process, so customers cannot file chargebacks. Refunds go back as stablecoins to the original wallet, and partial refunds are supported. Each Stripe stablecoin payment is capped at $10,000.
What changed in this list
2026-09-26First version: 6 payment tools, fees and US licensing checked on each provider's own pages.
2026-09-26NOWPayments moved to excluded: its terms exclude US residents and citizens. List is now 5 tools.
2026-10-01Added a FAQ on chargebacks and refunds for Stripe stablecoin payments.
Who made this page
✓
Fact check
Checked against 8 sourcesLast check: Oct 1, 2026
A value we could not confirm on the project’s own pages is marked “Not verified” instead of estimated.
How we review