10 Best Web3 Checkout Alternatives In Europe for 2026

In this article, I will focus on the top Web3 Checkout alternatives in Europe focusing on the platforms that enable businesses to process crypto payments simply, safely, and efficiently.

These are Coinflow and Payoneer, and they offer real-time settlements, crypto-to-fiat conversion, and multi-wallet capabilities.

The integration of these solutions will help you leverage the growing Web3 economy, be it a small or large business.

What is a Web3 Checkout?

A Web3 checkout enables customers to pay for purchases, including NFTs, digital tokens, and services, via cryptocurrency and blockchain wallets.

This modern payment flow uses direct on-chain settlement, which is quicker, and more transparent, and decentralized than traditional systems that use cards.

Incorporating cryptocurrency and blockchain wallet connections into online retail platforms and applications simplifies onboarding customers.

This allows them to access digital with no friction. Web3 checkouts strengthen and empower companies to crypto pay natively, cut down on third-party middlemen, and give users more control, which creates a more secure and frictionless payment experience on the decentralized web.

Key Points & Best Web3 Checkout Alternatives In Europe

10 Best Web3 Checkout Alternatives In Europe

1. Coinflow

In Europe, Coinflow stands out amongst competitors for their smooth integration of crypto payments into e-commerce platforms.

They are the only competitors in this field with an intuitive interface that gives merchants the ability to accept cryptocurrencies with no complex set up.

Coinflow differentiates themselves through risk management solutions for business where they automatically convert the crypto to the local fiat.

Enhanced security and transaction safety are given to both parties through their reputable smart contract protocols.

For European traders in the Web3 economy, Coinflow has fast transaction processing, regional compliance and lower costs, making it the obvious choice.

Pros And Cons Coinflow

Pros

• The merchants have direct control over the funds since crypto payments are non-custodial.
• The payment platform accepts several blockchains, and tokens, including stablecoins.
• The payment platform can be easily embedded into NFT platforms and Web3 wallets.
• Users can easily audit their payments as the system uses an on-chain transparent history.

Cons

• The payment platform has limited options for on-ramps of fiat and might need other services.
• The payment platform has fewer plugins for e-commerce platforms.
• Less mainstream adoption due to the requirement of having crypto wallets on the users’ end.
• Complex questions might have slow feedback for customer support.

2. Halliday

Halliday stands out as one of the best in Europe for Web3 alternatives as it consolidates the best of both worlds, as merchants are able to accept decentralized payments with ease.

The flexible, fully customizable checkout and layer-2 solutions integrated with several wallets make it a stand out as seamless to the consumer.

Merchants can also see real time analytics and payout control for a deeper understanding of the cash flow and customer control.

With the industry’s best compliance and fraud protection built to European standards, Halliday enables merchants to Web3 with peace of mind, increasing crypto usage in eCommerce.

Pros And Cons Halliday

Pros

• The payment platform streamlines payments with support for multiple currencies.
• The platform allows European merchants to settle payments in fiat after the crypto transactions.
• Developers and Web3 applications can easily integrate with the payment platform as they provide a seamless API.
• The platform places particular emphasis on meeting compliance for EU.

Cons

• The payment platform lacks integration with the more widely used e-commerce platforms since they are a fledgling platform.
• Depending on whether the crypto networks are congested, the platform can have relatively higher transaction fees.
• The payment platform has a low level of awareness and marketing as compared to more popular services like Stripe.
• Users of the payment platform tend to find it frustrating since some of the more advanced functionalities tend to be fully automated.

3. Superfluid

Superfluid is a top alternative in Web3 checkouts in Europe as you can redefine payment flows through real-time streaming of funds, unlike legacy one-time transactions.

Superfluid’s core value is in allowing real continuous payments from users’ wallets to merchants, which is ideal for subscriptions, pay-per-use services, and dynamic billing.

Superfluid’s real-time settlement reduces buyer and seller friction and volatility exposure. Superfluid meshes with popular Web3 wallets and supports many digital assets

Which is a flexible, transparent, and programmable payments solution aligning with European businesses to new trends in decentralized commerce.

Pros And Cons Superfluid

Pros

• Users on the platform can take advantage of payment streaming services in real-time and create a highly customizable service for different use cases like subscriptions/SaaS.
• The platform can integrate directly to the users smart contracts since it uses public blockchain.
• Supports various ERC-20 tokens.
• Fully programmable and transparent payments, ideal for developers in Web3.

Cons:

• Developing took a while for non-technical people.
• For traditional e-commerce and one-off purchases, this isn’t suitable.
• Depending on which blockchain you use, gas taxes can be a lot.
• Net of industry has little.

4. Bitzaro

Bitzaro is one of the top companies in Europe in simplifying the processing of cryptocurrency payments and offering services such as instant invoicing and easy-to-integrate payment processing widgets.

They offer the ability to create payment links and QR codes that their customers can use to pay in different cryptocurrencies without needing to set up accounts or navigate through complicated cryptocurrency payment procedures. As such, customers can pay and check out in an instant.

They also facilitate payment processing in different networks, offer security and compliance, and manage to Fiat on and off cryptocurrency integrated payment solutions. As a result, European merchants can easily and securely implement Web3 payments.

Pros And Cons Bitzaro

Pros:

• Supports various cryptocurrencies and its conversion to fiat.
• There is a merchant dashboard available to assist in payment tracking.
• For Web3 Platforms and NFT marketplaces, fast integrations are provided.
• Compliance with European regulations is provided.

Cons:

• Less liquidity for a smaller user base.
• More technically advanced features might take longer to be set up.
• Support is available, but it can be slow.
• Some tokens have less support for settling fiat, and payments.

5. Stripe (Web3 integrations)

Stripe is one of the best Web3 checkout alternatives in Europe because of it’s ability to integrate cryptocurrency payments with traditional payment methods.

They are one of the only partnerships that integrate the trust of global payment processors with Web3, enabling users to complete one checkout while purchasing with cryptocurrencies and fiat.

Their instant payments, rapid onboarding APIs, and advanced fraud protection are positive solutions for European companies.

Their ability to compute data in real time, and support for multiple blockchain networks ensures that customers can complete payments with confidence. They are a Web3 checkout with enabling.

Pros And Cons Stripe (Web3 integrations)

Pros:

• Their global structure and API are easy to use, and, on top of that, they are developer friendly.
• Supported crypto payments are available through partners as well as your own custom integrations.
• They have a well established risk system and compliance.
• Payment integrations are easy with e-commerce and subscription systems.

Cons:

• New Web3 features are mostly based on partners, and, are not native to the system.
• There isn’t much blockchain native functionality.
• Prices for transactions that contain crypto might be higher.
• They might not fully address all EU crypto regulations that pertain to Web3 integrated systems, in their systems.

6. PayPal (crypto-enabled)

PayPal is one of the best options when it comes to accessibility and trust in Web3 as one of the crypto-enabled features.

PayPal is distinguished in the field in that it allows merchants and customers to purchase, trade and use cryptocurrencies in a rapid and safe manner.

Europe merchants are able to perform instant crypto-to-fiat thus keeping the international market volatility in check providing a fluid unimpeded checkout experience.

PayPal’s global outreach and regulatory adherence allows merchants to experience Web3 payments without added technical work. This blend of accessibility and trust allows PayPal to stand at the helm of Web3 credits in Europe.

Pros And Cons PayPal (crypto-enabled)

Pros:

• Users are able to access a brand they are familiar and trusted with.
• Provides services to buy, sell, and hold crypto using PayPal.
• Easy onboarding for merchants in supported countries.
• PCI-compliant and has strong fraud mitigation.

Cons:

• Only a small selection of cryptocurrencies are supported.
• Custodial solution; merchants cannot access the private keys.
• Fees to convert cryptocurrencies are expensive.
• Has limited capabilities for blockchain-native Web3 applications.

7. Amazon Pay

As a result of Amazon’s reputation and ability to process crypto transactions, Amazon Pay has quickly become one of the most used Web3 alternatives in Europe.

What differentiates Amazon Pay in the market is their ability to facilitate a quick and secure checkout process without customers having to create accounts or new crypto wallets.

For merchants, powerful fraud protection is offered with the ability to support multiple currencies. There is also seamless payment integration with instant payment confirmations.

The ease and security Amazon Pay offers has made it one of the most appealing payment gateways in the European market.

Pros And Cons Amazon Pay

Pros:

• Highly regarded and well known in Europe.
• Easily compatible with online shops and e-commerce platforms.
• Safe and secure, PCI-compliant, and has fraud protection.
• Quick checkout with saved credentials.

Cons:

• Does not integrate directly with crypto or Web3.
• Limited support for international crypto.
• Fees for merchants can be higher than those of crypto-native gateways.
• Less flexible for payments on subscriptions or NFTs.

8. Zoho Invoice

Zoho Invoice is unique in Europe for offering invoicing and crypto payments functionalities in tandem, serving the needs of SMEs.

Customers can submit payments via crypto against any of the professional invoices that can be created and sent. Automated conversion of crypto payments to the local currency is done to limit volatility.

Features such as, automated reminders and real-time tracking, offer visibility to merchants over their cash flow.

The solution has automated workflows and is regulatory compliant, thus not disrupting the financial processes of the business, enabling them to easily Web3 payments.

Pros And Cons Zoho Invoice

Pros:

• Basic invoicing solution with some payment integrations.
• Accepts online payments via standard payment gateways.
• Easy invoice tracking, management, and automation.
• Reasonably priced for small businesses.

Cons:

• No Web3 or crypto checkout.
• Limited blockchain payment capabilities.
• Basic integrations with e-commerce platforms.
• Not best suited for large amounts of crypto transactions.

9. Razorpay

Razorpay has become a Web3 checkout alternative in Europe due to its crypto payment options and payment solution facilities.

What makes Razorpay stand out is its ability to integrate a number of cryptocurrencies and traditional payment options for merchants on one platform.

Automated settlement and reconciliation, partnered with real-time analytics, allow businesses to optimize processes with minimized financial risks.

Razorpay’s strong security, compliance with European law, and developer-friendly APIs makes Web3 payments easy for merchants.

Razorpay is certainly the best option for European merchants looking to adopt decentralized commerce.

Pros And Cons Razorpay

Pros:

• Indian payment gateways with support for Europe through cross-border payments.
• UPI, cards, wallets, and a few integrations that accept crypto.
• It has a good API and is easy to integrate into E-commerce.
• Merchants get real-time insights and dashboards.

Cons:

• No crypto support, and you will need a third-party to integrate with Web 3.0.
• India-centric with partial European coverage.
• Very high fees for cross-border payments.
• Some payment methods are not decentralized, and there is custodial control.

Pros And Cons Razorpay

Pros:

• Indian payment gateways with support for Europe through cross-border payments.
• UPI, cards, wallets, and a few integrations that accept crypto.
• It has a good API and is easy to integrate into E-commerce.
• Merchants get real-time insights and dashboards.

Cons:

• No crypto support, and you will need a third-party to integrate with Web 3.0.
• India-centric with partial European coverage.
• Very high fees for cross-border payments.
• Some payment methods are not decentralized, and there is custodial control.

10. Payoneer

It is easy to see why Payoneer has gained notoriety across Europe as one of the best alternatives in the Web3 space.

They have positioned themselves at the perfect intersection of tradfi and crypto. Payoneer`s unique value proposition revolves around allowing merchants to accept crypto and convert it to local currencies so they can hedge against crypto volatility.

Their ability to receive and settle in multiple currencies at low cost and near real time is perfect for a European firm that has customers around the globe.

Customers appreciate the regulatory compliance and security that Payoneer provides while European merchants also value their ability to adopt Web3 solutions and maintain trustworthy and functional traditional payment infrastructures.

Pros And Cons Payoneer

Pros:

• Offers cross-border payments in several currencies.
• Offers integrations with marketplace and freelance platforms
• Withdrawal to cards and bank accounts is seamless.
• Merchants from Europe can be sure to get their payments.

Cons:

• No Web3 integrations and crypto checkout support natively.
• Cross-border transfers and conversion fees apply.
• No support for tokens and NFT transactions.
• Not suited for merchants that are purely blockchain.

How We Choose the Best Web3 Checkout Alternatives

Variety Of Crypto Support The best supported the highest number of the prominent cryptos and altcoins.

Transparent Pricing Ins Low Fee Services Competitively priced servItieWithout hidden fees served scored higher.

Simple & Fast Set Up Integration We prioritized the best for the ease of theprovidedAPIs, plugins, and quick set up.

Regulatory Compliance & Security Meeting and exceeding EU regulations, strong encryption, and fraud safe compliance are vital.

Speed Of Transactions The faster the processing and instant settlement times, the higher the rank.

Features & Tools For Merchants The best included invoicing, checkout buttons, auto-settlements, and analytics.

What Makes These Best Web3 Checkout Alternatives In Europe

• EU Compliance: PSD2, AML/KYC, and GDPR-ready for secure and legal operations.
• Multi-Crypto Support: Accepts multiple tokens, stablecoins, and blockchains.
• Seamless UX: Easy wallet onboarding, fiat fallback, and smooth checkout flow.
• Flexible Settlement: Custodial or non-custodial options with fast payments.
• Developer-Friendly: APIs, SDKs, and plugins for easy integration and scalability.

Conclsuion

Overall, most Web3 checkout alternatives in Europe will enable companies to accept digital currency payments while providing ease, security, and compliance.

In addition, Coinflow, Halliday, Superfluid, and PayPal provide a combination of flexibility and real-time payments, crypto-to-fiat payments, and multi-wallet features. With these tools, European Merchants can participate in the Web3 economy.

FAQ