BitPay 成立于 2011 年，是加密貨幣支付領域的先驅(qū)之一。雖然該公司提供各種與加密貨幣相關的服務，但它最出名的是為企業(yè)提供加密貨幣支付處理服務。

通過 BitPay，商家可以選擇是否以法定貨幣、加密貨幣或兩者的組合進行付款。

對于擔心比特幣和以太幣等加密資產(chǎn)波動性的商家來說，這是一個很棒的功能，因為他們可以簡單地選擇讓 BitPay 自動將所有加密支付轉(zhuǎn)換為法定貨幣。

值得注意的是，BitPay 為 Shopify 提供了一個插件，允許任何擁有 Shopify 商店的人輕松接受想要使用加密貨幣付款的客戶的付款。

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.

在加密支付網(wǎng)關中尋找什么？

以下是選擇加密支付網(wǎng)關時需要考慮的一些最重要的因素。

一些支付網(wǎng)關在某些領域表現(xiàn)出色，但在其他領域缺乏，選擇取決于您優(yōu)先考慮的功能。

• 支持的加密貨幣

  ：一些加密支付網(wǎng)關僅支持主要的加密貨幣，例如比特幣和以太坊，而其他加密貨幣還包含較小的加密貨幣（也稱為“山寨幣”）。

  盡管接受 BTC 和 ETH 付款將覆蓋絕大多數(shù)加密貨幣持有者，但特定山寨幣的愛好者可能會喜歡接受他們選擇的加密貨幣的在線業(yè)務，這可能會轉(zhuǎn)化為一些額外的銷售額。

• 交易費用

  ：確保選擇一個加密支付網(wǎng)關，該網(wǎng)關清楚地概述了他們對交易、法幣到加密貨幣轉(zhuǎn)換和提款收取的費用。

• 與電子商務平臺集成

  ：如果您使用 Shopify 或 WooCommerce 等電子商務平臺，那么選擇已經(jīng)與您選擇的電子商務平臺集成的加密支付處理器是有意義的。

• 法定貨幣支持

  ：如果您不想應對加密貨幣的波動性，請務必選擇一個能夠自動將加密貨幣付款轉(zhuǎn)換為法定貨幣或穩(wěn)定幣的支付網(wǎng)關，或者至少讓您能夠兌現(xiàn)為法定貨幣例如美元或歐元。

• 銷售點解決方案

  ：如果您想在物理位置接受加密貨幣付款，請務必檢查您正在考慮的支付網(wǎng)關是否具有 PoS 解決方案。

底線

希望我們的最佳加密支付網(wǎng)關列表可以幫助您找到適合您業(yè)務的加密支付解決方案。

如果您正在尋找加密貨幣領域之外的支付處理器，請務必查看我們針對小型企業(yè)的最佳支付處理器列表。

熱點：加密 支付 網(wǎng)關