[喜悦]2024 年 6 个最佳加密支付网关 | 币法典

BitPay 成立于 2011 年，是加密货币支付领域的先驱之一。虽然该公司提供各种与加密货币相关的服务，但它最出名的是为企业提供加密货币支付处理服务。

通过 BitPay，商家可以选择是否以法定货币、加密货币或两者的组合进行付款。

对于担心比特币和以太币等加密资产波动性的商家来说，这是一个很棒的功能，因为他们可以简单地选择让 BitPay 自动将所有加密支付转换为法定货币。

值得注意的是，BitPay 为 Shopify 提供了一个插件，允许任何拥有 Shopify 商店的人轻松接受想要使用加密货币付款的客户的付款。

The fees charged by BitPay vary according to the volume of transactions the business handles via the service on a monthly basis. For businesses that have less than $500,000 transactions per month via BitPay, the company charges a fee of 2% of the payment amount + $0.25. For businesses that receive more than $1 million in crypto payments monthly, the fee is set at 1% of the transaction amount + $0.25.

2. Coinbase Commerce – Crypto payment gateway integrated with the Coinbase exchange

Coinbase Commerce is the crypto payments processing solution offered by major cryptocurrency exchange Coinbase. Similarly to BitPay, Coinbase Commerce is primarily aimed at businesses who want to give their customers the ability to pay with crypto.

Coinbase Commerce allows merchants to sidestep the volatility of cryptocurrencies by automatically converting all crypto payments to USD Coin (USDC), a token that’s designed to maintain its price at $1. Merchants can the use the Coinbase exchange to convert their USDC tokens to dollars or other (crypto)currencies.

A great feature of Coinbase Commerce is its straightforward fee structure. The service takes a 1% cut on all cryptocurrency transactions it handles, with no additional or hidden fees. This payment processor has integrations with WooCommerce, Primer and JumpSeller – if your online business is based on one of these platforms, Coinbase Commerce is a very good option to consider.

Currently, Coinbase Commerce can be used to accept payments in Bitcoin, Ethereum, the USDC and USDT stablecoins, as well as a handful of altcoins.

3. BTCPay Server – Open-source payment processor for Bitcoin

BTCPay Server is a payments processing solution that exclusively supports Bitcoin. Even though it’s only limited to BTC, it boasts a number of features that make it stand out from the crowd.

Notably, BTCPay Server is fully open-source and can be self-hosted. This makes it aligned with the ethos of the Bitcoin community, which seeks to do away with middlemen wherever possible. For users that don’t want to self-host, BTCPay Server can be used on a shared server or on the cloud.

BTCPay Server has integrations with a wide variety of ecommerce platforms, including the likes of Shopify, WooCommerce and Zapier.

An important disadvantage of BTCPay Server is that you don’t get the option to have payments settled with fiat currency. Depending on the type of business, the strong price fluctuations displayed by BTC can make it not viable as a means of payment.

4. Solana Pay – Crypto payment gateway on the highly efficient Solana blockchain

Solana Pay is a crypto payments processing platform that’s based on Solana, a blockchain that offers extremely fast and low-cost transactions. Since most merchants prefer to accept a currency that has a predictable value, Solana Pay is designed to work with stablecoins, which are tokens that maintain a stable value.

Currently, Solana Pay is available through an integration with leading ecommerce platform Shopify and allows merchants to accept the USD Coin stablecoin. A unique feature of Solana Pay is that it allows merchants to easily incorporate customer loyalty programs through various mechanisms such as spendable points, tiered discounts and even NFTs.

The Solana Pay solution itself doesn’t charge any fees. The customer will have to pay a gas fee to make the transaction on the Solana blockchain, and you’ll also have to pay a gas fee if you want to transfer your coins to another wallet. Thankfully, Solana is one of the most efficient blockchains on the market, resulting in minimal fees.

5. NOWPayments – Crypto payments processor with the broadest altcoin support

NOWPayments is a crypto payments processor launched by ChangeNOW, a popular platform for cryptocurrency swaps. Merchants have the option of cashing out the cryptocurrencies cryptocurrencies they receive to their bank account in EUR.

One of the most powerful features of NOWPayments is that it can be used to accept a huge variety of cryptocurrencies. While most crypto payment processors are limited to a handful of cryptos, NOWPayments can be used to accept more than 300 different types of crypto.

NOWPayments also provides a PoS software integration which allows merchants to accept cryptocurrency payments at physical locations. The service also sports a plethora of other features including subscription payments, mass payouts, invoices and donation tools.

Another benefit of NOWPayments is that it has a competitive fee structure, charging 0.5% for standard transactions and 1% for transactions where multiple currencies are involved.

6. Confirmo – Reliable crypto payment processor with Lightning Network integrations

Confirmo is an EU-regulated crypto payment gateway that has been in operation for more than 10 years without any compromises to the platform’s security. Confirmo can be used to accept Bitcoin, Ethereum, the USDC and USDT stablecoins, as well as certain major altcoins such as Solana and Polygon.

Notably, Confirmo provides PoS software that allows merchants to use a smartphone to accept cost-effective Bitcoin payments via the Lightning Network.

Confirmo has a transparent fee structure which allows merchants to avoid dealing with unexpected costs. Merchants are charged with a fee when they wish to withdraw the cryptocurrency they have accumulated through sales. This fee consists of a fixed 0.5% processing fee, plus a withdrawal fee denominated in EUR or USD which depends on the cryptocurrency that’s being withdrawn.

In terms of invoice fees, Confirmo charges a 0.8% fee on payments, but doesn’t charge any fees on payments made through their PoS app.

Although Confirmo doesn’t sport some of the flashier features that can be found at some competitors, it’s a good choice for any business that’s looking for a simple and reliable way to accept cryptocurrency payments.

在加密支付网关中寻找什么？

以下是选择加密支付网关时需要考虑的一些最重要的因素。

一些支付网关在某些领域表现出色，但在其他领域缺乏，选择取决于您优先考虑的功能。

• 支持的加密货币

  ：一些加密支付网关仅支持主要的加密货币，例如比特币和以太坊，而其他加密货币还包含较小的加密货币（也称为“山寨币”）。

  尽管接受 BTC 和 ETH 付款将覆盖绝大多数加密货币持有者，但特定山寨币的爱好者可能会喜欢接受他们选择的加密货币的在线业务，这可能会转化为一些额外的销售额。

• 交易费用

  ：确保选择一个加密支付网关，该网关清楚地概述了他们对交易、法币到加密货币转换和提款收取的费用。

• 与电子商务平台集成

  ：如果您使用 Shopify 或 WooCommerce 等电子商务平台，那么选择已经与您选择的电子商务平台集成的加密支付处理器是有意义的。

• 法定货币支持

  ：如果您不想应对加密货币的波动性，请务必选择一个能够自动将加密货币付款转换为法定货币或稳定币的支付网关，或者至少让您能够兑现为法定货币例如美元或欧元。

• 销售点解决方案

  ：如果您想在物理位置接受加密货币付款，请务必检查您正在考虑的支付网关是否具有 PoS 解决方案。

底线

希望我们的最佳加密支付网关列表可以帮助您找到适合您业务的加密支付解决方案。

如果您正在寻找加密货币领域之外的支付处理器，请务必查看我们针对小型企业的最佳支付处理器列表。

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