I will outline 10 payment solution processors available to small online merchants in Web3. Small merchants need a payment process they can easily integrate with that is reliable and secure.
As merchants accept more cryptocurrencies and consumer crypto usage continues to climb, merchants will need payment processing tools more than ever. The tools reduce transaction fees, eliminate chargebacks, and offer more beneficial global settlements and instant multi-currency flexibility, along with a range of services that are great for online businesses.
Key Point & Best Web3 Payment Solutions for Small Online Businesses List
| Payment Gateway | Key Points / Features |
|---|---|
| BitPay | Supports Bitcoin & stablecoins, easy merchant integration, strong security, low fees |
| NOWPayments | Multi-crypto support, instant settlements, API for merchants, non-custodial |
| CoinGate | Accepts 50+ cryptocurrencies, invoicing, payment buttons, low conversion fees |
| CoinPayments | Wide crypto support (2000+ coins), vault & cold storage, plugins for e-commerce |
| B2BinPay | B2B crypto payments, multi-asset wallets, API & gateway, compliance-focused |
| PayPal | Fiat & crypto payments, widespread adoption, buyer/seller protection, easy withdrawals |
| Stripe | Crypto via partner integrations, subscription & online payments, developer-friendly API |
| Revolut Business | Multi-currency accounts, crypto support, business cards, real-time analytics |
| Alchemy Pay | Fiat-to-crypto payments, global merchant network, hybrid payment solutions |
| OxaPay | Multi-chain crypto payments, instant conversion to fiat, merchant API & wallet |
1. BitPay
BitPay is one of the best Web3 payment solutions for small online businesses. It is user-friendly, has competent security, and is capable of handling multiple cryptocurrencies. It is not like other payment gateways.
It lets merchants accept Bitcoin, stablecoins, and other major cryptocurrencies for payments and convert them to fiat currency as needed, reducing the risk of volatility. Because of its simplicity, its plugins and APIs make it easy for e-commerce platforms to implement it.
This is great for small businesses that cannot afford to have extensive technical support. Also, BitPay ‘s merchants are not custodial, and the wallets are transparent. This means that payment flexibility and fast, accessible systems can be provided to merchants while maintaining control over the funds.
BitPay Features
- Merchants are able to receive payments using Bitcoin, stablecoins, and various types of cryptocurrencies, thus enabling businesses to reach a range of crypto customers.
- Merchants are able to receive payments using Bitcoin, stablecoins, and various types of cryptocurrencies, thus enabling businesses to reach a range of crypto customers.
- Instant Fiat conversion is available in order to mitigate crypto market risks.
2. NOWPayments
NOWPayments is unique among Web3 payment solutions, as it caters to small online enterprises and supports 300+ cryptocurrencies, making it easier for sellers to reach an abundant crypto‑aware audience. The service is non-custodial, allowing business owners to manage their funds without third parties.
Automatically converting digital currencies to stablecoins or fiat protects against the risk of crypto trading. It allows for simple integration via API, several plugins for well-known services, or a no-code small widget, making it a perfect service for small businesses with a little tech variety.
NOWPayments Features
- Customers have access to more than 300 types of cryptocurrencies therefore you are able to receive payments from more customers.
- Full control of your funds is maintained due to wallet non-custodial access.
- Stablecoins and fiat are converted automatically therefore you will have less exposure to market volatility.
3. CoinGate
CoinGate is an excellent Web3 payment solution for small online businesses due to its unique combination of cryptoflexibility, quick settlement, and low risk attributes. They support a variety of cryptocurrencies and automatically convert to fiat or a stablecoin to eliminate the volatility risk.
They offer an API and several eCommerce plugins that enable even the least technical teams to seamlessly integrate their services. Cryptocurrency Payment API] From start to finish, CoinGate transaction settlements take a few minutes. And because payments are final and irreversible on the blockchain, there’s no risk of chargebacks, which is a big deal for small businesses.
CoinGate Features
- Merchants are able to receive payments using a wide range of cryptocurrencies, and there is automatic conversion to fiat.
- There is a reduced risk of chargeback which is beneficial for small businesses, and there are quicker payment settlements.
- There are popular e-commerce plugins that enable easy integration.
4. CoinPayments
Small online businesses can engage a broader audience with CoinPayments’ massive coin support, which includes 1,800 cryptocurrencies, helping expand their crypto clientele.
The platform has an in-built multicurrency wallet to make fund management easier and an automatic currency conversion feature that lets merchants select the currency to receive instantly.
By batching coins, CoinPayments’ very low withdrawal fees minimize the costs of transactions conducted. The blend of offered services and low fees truly help make CoinPayments outstanding in the industry.
CoinPayments Features
- There is support for over 1,800 types of cryptocurrencies where you will be able to reach customers from anywhere around the globe.
- There is an automated conversion of funds to the currency of your choosing for convenience; this is made easier with the Multi-coin wallet.
- An easy-to-usemerchant dashboard is available and there is a low fee to withdraw.
5. B2BinPay
B2BinPay is a unique Web3 payment solution designed for small-scale online merchants. It integrates a multi–asset crypto payment gateway with a totally managed Wallet-as-a-Service (WaaS). It enables the acceptance of 350+ digital currencies.
It is easy and quick to conduct an API integration and obtain instant crypto-to-crypto (or) crypto-to-fiat settlement. It has minimal fees (0.25-0.40%) with real-time asset-swapped infrastructure (via instant VWAP-driven swaps) and a robust digital wall with 2FA, address whitelisting, and KYT-compliant features.
This unique setup gives small merchants a lot of flexibility while providing a safe infrastructure without requiring them to develop their own bespoke blockchain.
B2BinPay Features
- There is support for 350+ digital currencies which provides a wide range of crypto adoption.
- For quicker deployment, Managed Wallet-as-a-Service (WaaS) comes with API integration.
- Fees are relatively low (0.25-0.40%) and there are instant swaps either crypto-to-crypto or crypto-to-fiat.
6. PayPal
PayPal is one of the leading solutions for small businesses to integrate Web3 payment solutions, bridging traditional payment methods. It allows merchants to receive and accept crypto payments and convert them to cash immediately.
There is no risk of volatility from crypto. PayPal’s trust and reach make it easy for customers to integrate and pay, especially for small businesses with limited social and technical skills.
PayPal also offers integrated buyer/seller protection, ecommerce interfaces, and invoice creation. The factors of access and flexibility create a great service for small businesses entering the Web3 marketplace.
PayPal Features
- Accepting crypto payments which are then converted into fiat automatically.
- This platform is globally recognized and trusted, offering protection to both buyers and sellers.
- There’s easy invoicing and there’s great integration with big e-commerce platforms.
7. Stripe
Stripe, as a Web3 payment solution, enables small businesses to utilize robust developer tools with support for crypto investments, allowing merchants to accept digital currencies with no disruption to payment flow.
Stripe is great for businesses that lack an extensive tech team due to its APIs and plug-ins that enable ecommerce, subscriptions, and marketplace integrations.
The streamlining capabilities for advanced reporting, fraud detection, and automated settlements enable small businesses to handle their crypto and fiat revenues effectively. Stripe is popular among companies for their unparalleled flexibility and operational ease.
Stripe Features
- You enable crypto payments via partner integrations without changing existing flows.
- Flexible APIs are suitable for subscriptions, marketplaces, and online stores.
- You provide real-time reporting, fraud prevention, and automatic settlements.
8. Revolut Business
Revolut Business gives small online enterprises a multi-currency account & access to 230+ cryptocurrencies with a truly modern, Web3-friendly solution. Although it is impossible to send or receive crypto from the Revolut Business account, you can hold, convert, and purchase digital assets, giving entrepreneurial teams exposure to the Web3 market without having to manage crypto in digital wallets.
Its multi‑currency account supports 30+ fiat currencies, enabling businesses to manage payments on a global scale. Revolut also offers secure, pooled storage of digital assets, role‑based access control for employees, and seamless treasury and expense management tools. For small businesses, it is a unique combination of practical financial management and crypto exposure.
Revolut Business Features
- Offers the ability to manage multiple currencies, with optional crypto support.
- Provides the ability to securely hold and convert crypto.
- Offers expense management, team access control, and budget tools.
9. Alchemy Pay
For small online businesses, Alchemy Pay is the best Web3 payment solution since it provides a service that seamlessly integrates both fiat and crypto currencies on a global scale. Alchemy Pay allows merchants to accept cryptocurrency payments through an exchange or wallet and then settles the payment a business’s local currency, helping the business circumvent the hassles of crypto payment volatility.
Alchemy Pay is now able to process payments for over 300 different payment methods in more than 170 countries to major players in the payment industry, like Visa, Mastercard, and mobile/online banking. This increases the likelihood that small merchants will adopt cryptocurrency.
Alchemy Pay Features
- Allows you to accept crypto payments and settle in the local currency, minimizing volatility exposure.
- Provides access to over 300 payment methods around the globe, including cards and bank accounts.
- Zero-risk and hassle-less Web3 integration to your merchants.
10. OxaPay
As businesses migrated to the internet, the need for flexible, Web3-native solutions emerged. This is the current edge OxaPay has over competitors. OxaPay is a convenient tool for deal placement, ultra-low fee payment processing, automatic payment conversion to USDT, volatility hedging, and quick cashing with immediate settlement.
OxaPay’s distinctiveness is attributed to multi-chain capability, ultra low fee processing, daily settlements, USDT volatility hedging, and superior customer experience. Users can pay through a WalletConnect stream on supported layers with supported crypto (EVM-Compatible, Bitcoin, Solana, and Tron).
Oxa has specially developed an automation tool/integration for whom (non-tech Admins) payment links and invoices can be created, cashing, and automatic crypto payment conversion to USDT upon deal placement. OxaPay has a low predictable fee structure (starting with 0.4% on the total processed amount)
OxaPay Features
- Allows you to make cross chain payments across EVM-compatible chains, Bitcoin, Solana and Tron.
- Offers invoicing and payment links with our API and no-code tools.
- Predictable revenue with auto-conversion to stablecoins, and ultra-low fees (0.4%).
Conclusion
To conclude, the best Web3 payments solutions for small digital enterprises enable business owners to quickly onboard customers to a digital crypto payments framework while mitigating risk and compliance concerns.
BitPay, NOWPayments, CoinGate, and CoinPayments are the most crypto-inclusive and easiest to onboard, while B2BinPay and OxaPay are the most competitive for multi-chain solutions. PayPal and Stripe, crypto on-ramps and infrastructure to integrate for fiat and crypto payments, and Revolut Business, Alchemy Pay, multi-currency managed, and operationally simple, are also traditional players.
With the right Web3 payments solutions, small firms can expand onboarding customers from anywhere, protect their crypto volatility while streamlining the payments to enable crypto pay and broaden adoption profitably.
FAQ
Web3 payments use blockchain technology to process transactions directly between users, without relying on traditional intermediaries like banks or card networks. This leads to lower transaction fees, faster settlement, and reduced risk of chargebacks, all of which are big advantages for small online businesses.
Yes — many Web3 payment solutions provide strong security through cryptographic protocols and decentralized verification. Unlike traditional payment systems, blockchain-based payments are immutable, meaning once a transaction is confirmed, it cannot be reversed, reducing fraud risk. However, the security also depends on how you integrate and manage wallet access, so it’s important to design your system carefully.
Web3 gateways typically offer significantly lower fees than legacy payment processors because they eliminate many intermediaries. You may still have costs like integration, wallet management, and on‑chain transaction gas fees (depending on blockchain), but for many small businesses, the savings per transaction can outweigh these.