In this writing, I will be mentioning the most reliable gateways for receiving digital assets and the Best Stripe Crypto Payment Alternatives in Europe.
With the increase in the adoption of crypto, merchants need secure ,compliant and effective solutions.
This guide focuses on the most effective platforms that provide the ability to diversify virtual payments in the modern economy by fast payments, low fee , and high level currency coverage and supports enhanced digital payments.
Key Points & Best Stripe Crypto Payment Alternatives In Europe
| Alternative | Key Point |
|---|---|
| NOWPayments | Supports 100+ cryptocurrencies with instant fiat conversion and easy API integration |
| CoinsPaid | High-volume processor trusted by enterprises; strong compliance and custodial wallet options |
| TripleA | Licensed in Europe; offers seamless merchant settlement in local currencies |
| BitPay | Established global gateway; supports Bitcoin, stablecoins, and prepaid crypto cards |
| CoinGate | Popular in EU; supports payments in BTC, ETH, and 70+ altcoins |
| PayPal (Crypto Checkout) | Mainstream adoption; allows crypto payments with instant fiat conversion |
| SpectroCoin | European-focused; offers merchant tools, wallets, and exchange services |
| BVNK | Bank-grade compliance; specializes in stablecoin payments and treasury management |
| Plisio | Low fees; supports 50+ coins with easy e-commerce plugins |
| Paybolt | Fast settlement; designed for retail crypto payments with QR code support |
10 Best Stripe Crypto Payment Alternatives In Europe
1. NOWPayments
Having almost non-custodial security and being able to integrate in a variety of ways makes NOWPayments one of the best Stripe crypto payment alternatives in Europe because merchants are granted full autonomy over their funds and there is no need for a central intermediary.
Their most unique strength is accepting hundreds of cryptocurrencies and providing automatic coin-to-coin conversions enabling businesses within Europe to get paid in their asset of choosing, and their customers can pay in any cryptocurrency.
The service is seamless and can be embedded within any website or application, and because of its support for donation tools, customizable checkout flows, and subscription billing, it is one of the most modern and best options for European merchants in need of fast cross border payments.
| Pros | Cons |
|---|---|
| Supports hundreds of cryptocurrencies. | Limited advanced compliance tools. |
| Non-custodial (funds go directly to merchant wallets). | Fewer enterprise reporting features. |
| Easy API and plugins for quick integration. | Some features require technical setup. |
| Auto coin-to-coin conversion options. | Less brand recognition than legacy processors. |
2. CoinsPaid
CoinsPaid is a foremost competitor to Stripe in Europe because it combines the ability to meet regulatory requirements with a scalable crypto processing system designed for high-volume merchants.
It is the only processor with an all-in-one infrastructure that allows businesses to accept crypto, convert to fiat, and managed corporate wallets with a secure environment for OTC liquidity.
While other gateways focus on obtaining general crypto licenses, CoinsPaid’s focus on European compliance and licensing allows merchants to confidently manage risk and transaction volume.
Because of the granularity of CoinsPaid’s risk-screening and conversion processes, the fast settlement, and flexible integrations, CoinsPaid is a crypto processing backbone for e-commerce, fintech, and iGaming across the European continent.
| Pros | Cons |
|---|---|
| All-in-one crypto ecosystem (gateway, wallets, OTC). | Higher fees for smaller merchants. |
| Strong focus on EU compliance and licensing. | Onboarding can be complex for beginners. |
| Scalable for high-volume payments. | Advanced features may be overkill for small stores. |
| Supports many major digital assets. | Platform can feel heavy for simple use cases. |
3. TripleA
TripleA is recognized as one of the best Stripe crypto payment alternatives in Europe because of its focus on compliant and stable crypto processing made for international merchants and businesses.
Because of the focus on stablecoin payments, it gives European businesses the chance to avoid crypto volatility while servicing the global digital asset economy.
TripleA’s crypto payment processing has instant settlement and zero chargebacks with greater API and plugin integration simplicity.
With licenses across many jurisdictions and a strong compliance-first framework, it provides European companies with a reliable way to accept crypto with consistent accounting, fast crypto settlement services, and efficient cross-border payment processing.
| Pros | Cons |
|---|---|
| Stablecoin support for reduced volatility. | Supports fewer altcoins than some competitors. |
| Strong compliance across jurisdictions. | Feature set tailored more to medium/large businesses. |
| No chargebacks (blockchain finality). | API integrations require technical familiarity. |
| Global payment reach with fast settle- ment. | Fewer built-in plugins than others. |
4. BitPay
Bitpay is arguably one of the best Stripe crypto payment alternatives in Europe, as it possesses the more mature, reliable infrastructure forged from over a decade of global utilization.
Where Bitpay stands out the most is in its fiat-settlement accuracy, allowing European firms to accept crypto from customers across the globe and arrive to a zero volatility risk to always obtain the euro amount they want.
With quality fraud control, seamless integrations, and enterprise-level stability, Bitpay is best suited for European businesses that value operational predictability and enduring trust.
| Pros | Cons |
|---|---|
| Long-standing reputation and reliability. | Fee structure can be higher for small merchants. |
| Accepts crypto with fiat settlement in EUR. | Some features are limited to enterprise tiers. |
| Rich tools: invoices, recurring payments, POS. | Not ideal for ultra-low fee requirements. |
| Broad merchant support ecosystem. | Setup can be complex for beginners. |
5. CoinGate
CoinGate is, without a doubt, one of the best alternatives for Stripe crypto payments in Europe, due to the fact that it is tailored to the European regulation laws and offers seamless settlement directly to EU bank accounts which is very convenient for merchants in the region.
Its most competitive differentiation is its multi-currency routing engine (businesses can accept more than 70 crypto currencies and payments can automatically convert to euros or be kept in crypto depending on the customized settings).
Overall, the independence in choosing how to crypto revenues is a unique feature. Easy plugins, fast payouts, and transparent pricing of CoinGate make it an easy and Europe-oriented option for merchants who need reliable and compliant crypto payment.
| Pros | Cons |
|---|---|
| SEPA bank settlement for EUR payouts. | Payout timing may vary. |
| Supports 70+ cryptocurrencies. | Fewer enterprise-level integrations. |
| Transparent pricing and clear fee structure. | UI/interface feels less modern. |
| Easy plugins for major platforms. | Smaller support team vs larger competitors. |
6. PayPal (Crypto Checkout)
PayPal is a remarkable alternative to Stripe within the EU market. PayPal enables companies to accept digital currency without having to set up new gateways or complex integrations.
Its competitive strength is converting crypto to euros right away. This is attractive and simplifies volatility and accounting for companies within Europe.
PayPal has millions of customers which allows merchants to easily access a wide user base. PayPal has self-service fraud protection and merchant dispute capabilities. PayPal is the best option for companies that want a simple way to integrate crypto payment.
| Pros | Cons |
|---|---|
| Instant crypto-to-fiat conversion. | Limited to PayPal’s supported crypto list. |
| Familiar checkout for customers. | Not full crypto custody control. |
| Built-in fraud and buyer protection. | Availability differs by region. |
| Zero extra setup for current PayPal users. | Less customizable for developers. |
7. SpectroCoin
In Europe, the best alternative to Stripe for cryptocurrency transactions is SpectroCoin, a company that offers a unique comprehensive ecosystem (including a wallet, exchange, and payment gateway) tailored to the needs of European merchants.
SpectroCoin’s competitive advantage is the ability to make real-time crypto-to-fiat conversions directly to the SEPA bank accounts of businesses.
This feature enables businesses to have efficient and reliable settlements without the use of third-party settlement services.
SpectroCoin also offers basic invoice generation and payment buttons, as well as plugins for the major e-commerce sites, which allows both small online merchants and large e-commerce stores to integrate the system quickly.
For European merchants, the user-friendly interface and strong regional compliance make it easy and efficient to accept cryptocurrencies.
| Pros | Cons |
|---|---|
| Integrated wallet + exchange + payment gateway. | Interface less polished than newer platforms. |
| Instant SEPA settlements. | Support experience varies by region. |
| Payment buttons, invoicing tools available. | Smaller ecosystem than some peers. |
| Supports major digital assets. | Onboarding can take longer. |
8. BVNK
One of the top Stripe crypto payment alternatives in the European Market, BVNK, enjoys the convergence of traditional banking reliability and contemporary blockchain payment systems.
Its competitive advantage in the market, and the reason BVNK is dedicated to swift, global settlements with the use of stable coins, is that it provides merchants a way to transfer funds internationally without banking setbacks and expensive fees.
Within the European market, BVNK is a leading provider with the best compliance, enterprise tools, and flexible APIs.
For European businesses that need scalable, regulated, and high-speed crypto payment systems that go above and beyond traditional payment gateways, BVNK is the right choice.
| Pros | Cons |
|---|---|
| Banking + blockchain rails in one system. | Enterprise focus may be too advanced for small merchants. |
| Virtual accounts and multi-currency support. | Stringent onboarding and compliance. |
| Fast stablecoin settlements. | Higher minimum requirements. |
| Regulated, secure infrastructure. | Less mainstream recognition. |
9. Plisio
Plisio offers one of the best alternatives to Stripe for European merchants because of its lightweight, simple, and non-custodial approach.
Especially for smaller and medium-sized merchants, one of the most unique advantages is its payment forward system.
The system sends crypto payments directly to the merchants’ wallets without Plisio holding the payment, thereby providing a non-custodial solution.
The system also provides a layer of independence and security which is often lacking in crypto payment gateways.
The easy-to-integrate plugins, dozens of cryptocurrency support, low fees, and lack of compliance and onboarding hurdles makes accepting crypto payments easy and efficient to European merchants.
This gives Plisio the ability to to offer European merchants a solution to easily and efficiently accept cryptocurrency.
| Pros | Cons |
|---|---|
| Direct to merchant wallet forwarding. | Minimal compliance/legal support. |
| Low fees and simple pricing. | Fewer enterprise tools. |
| Easy plugins for e-commerce. | Limited advanced reporting. |
| Fast setup with minimal KYC. | Smaller coin list than others. |
10. Paybolt
Paybolt has gained prominence as a top-stripe cryptocurrency payments alternative, especially in Europe, due to its focus on superfast, ultra-low blockchain payments optimized.
Its most unique asset is its three-layered payment structure to balance ultra-low costs with payments at unprecedented speeds, enabling everyday retail and online commerce.
Supporting multiple blockchains, Paybolt has democratized \businesses to accept crypto with a low technical configuration.
Its focus on real-time payment settlements, invoicing tools, and merchant-oriented features strengthen its value proposition to European enterprises surpassing crypto payment processors.
| Pros | Cons |
|---|---|
| Ultra-fast blockchain payment processing. | Less mature crypto ecosystem. |
| Low fees and quick settlement. | Fewer third-party integrations. |
| Supports multiple blockchain networks. | Smaller developer community. |
| Simple merchant tools. | Not as widely recognized as legacy players. |
Conclsuion
To sum up, Stripe’s crypto payment options provide merchants with the quickest payments and cheaper transactions, and are more beneficial at scale.
The payment service providers, such as NOWPayments, Coinspaid, TripleA and BitPay are easy, secure, and offer flexibility to merchants.
These payment gateways enable European merchants to increase the number of payment channels in order to improve payment experience and offers to remain competitive in an ever-growing digital economy.
FAQ
Crypto gateways enable faster global payments, lower fees, and access to customers who prefer digital assets.
Yes, most operate under EU-friendly compliance frameworks, but licensing varies by country.
Plisio and NOWPayments are ideal due to easy setup, low fees, and minimal onboarding requirements.
CoinsPaid and BVNK offer scalable infrastructure, strong compliance, and high-volume capabilities.
Yes, services like BitPay, CoinGate, CoinsPaid, and SpectroCoin provide fiat or SEPA payouts.
