List of Merchant Payment Gateway projects on Optimism (2026)

OKX Pay is a smart-account payment application built on a Layer 2 network that enables self-custodial stablecoin transfers without gas fees. Users split private key control between their device and OKX, using account abstraction and passkey or email-based recovery, and send stablecoins to recipients via phone numbers, email addresses, QR codes, or payment links. The platform also converts stablecoins to local currency at participating merchant point-of-sale terminals and applies deposits to low-risk onchain yield strategies, crediting rewards automatically. Users can bridge stablecoins in from several other blockchain networks to use within the app.

Crossmint Token Checkout is a merchant payment gateway that lets buyers purchase digital assets using credit cards, debit cards, mobile wallets, and cross-chain crypto payments, with stablecoin settlement support. The system automatically creates a wallet for buyers who do not already have one, removing the need for prior crypto ownership before checkout. Merchants and issuers use it to sell a range of digital assets, including tokens, memecoins, and tokenized goods, alongside NFTs, without building separate payment infrastructure for each asset type.

NOW Payments is a merchant payment gateway that lets businesses accept cryptocurrency payments online and at the point of sale. It converts incoming payments and settles funds to a merchant's preferred currency without taking custody of user assets. The gateway supports invoicing, plugins, and API integration for e-commerce platforms and recurring billing across multiple supported assets and blockchains.

0xProcessing Crypto Payment Gateway is a merchant payment gateway that lets businesses accept cryptocurrency payments online and at checkout. It supports API integration, wallet connections, static wallet addresses, payment forms and links, and virtual point-of-sale terminals, with a risk-control mechanism that converts incoming crypto into stablecoins to shield merchants from price volatility. Merchants can also issue business invoices, run recurring subscription billing, execute mass payouts, and deploy the gateway under their own branding. A unified dashboard provides transaction management, analytics, and withdrawal to bank accounts.

thirdweb Pay enables crypto and fiat payment processing for blockchain applications with cross-chain payment support and user-friendly checkout experiences.

CoinGate is a merchant payment gateway that enables businesses to accept cryptocurrency payments from customers at point-of-sale or online checkout. The system processes payments across multiple blockchain networks and automatically converts crypto to fiat currencies for settlement. It also includes dedicated payment addresses and refund tools for merchants managing customer transactions.

CoinGate E-commerce Plugins provide ready-made integrations for popular e-commerce platforms including WooCommerce, WHMCS, and PrestaShop. These plugins enable online stores to accept cryptocurrency payments without custom development work.

Coinify Payment Solutions is a merchant payment gateway that lets businesses accept cryptocurrency payments online and in retail settings. It provides API integration, an embeddable checkout widget, and e-commerce plugins, converting incoming crypto to fiat or settling in crypto according to merchant preference. Businesses use it for invoicing, pay-by-link checkout, and point-of-sale acceptance across multiple supported cryptocurrencies, with built-in regulatory compliance handling.

Transak NFT Checkout is a merchant payment gateway that lets partner marketplaces accept fiat payments for non-fungible token purchases. Users complete a purchase using local payment methods within the partner interface, and Transak executes the underlying marketplace contract and delivers the token directly to the buyer's wallet. It supports several non-fungible token standards and is used by marketplaces seeking to offer fiat checkout for NFTs across multiple blockchain networks without requiring buyers to hold cryptocurrency in advance.

DePay Payment Widgets are a merchant payment gateway that lets businesses accept cryptocurrency payments through embeddable components on websites, online stores, and applications. The system routes payments directly wallet-to-wallet, using decentralized finance mechanisms to automatically convert whatever token a buyer holds into the token the merchant configured to receive. It supports one-off payments and donation variants, and integrates with widely used e-commerce and content platforms through dedicated plugins. Merchants using the widgets can accept a wide range of tokens across multiple blockchains without acting as an intermediary holding customer funds.

Cregis Payment Engine is a merchant payment gateway that lets businesses accept cryptocurrency payments and settle in stablecoins with same-day processing. It provides checkout pages, QR codes, point-of-sale integration, and invoicing tools so merchants can accept crypto without relying on traditional banking rails. The engine converts incoming payments across multiple blockchains and displays real-time values in a range of fiat currencies.

BlockBee Payment Gateway is a merchant payment gateway that lets businesses accept cryptocurrency payments online, in person, and through messaging channels. Merchants integrate hosted checkout pages, generate reusable deposit addresses, build custom payment flows via API, or use e-commerce plugins for platforms such as WooCommerce and PrestaShop. The gateway also supports in-person payments through a point-of-sale app and in-channel payments through a Telegram bot. Transactions are processed across multiple blockchains with automatic confirmation tracking and settlement to a merchant's preferred cryptocurrency.

CryptoRoute Pay is a self-custodial crypto checkout platform for merchants that lets businesses create USD-priced invoices and reusable payment links. Customers pay from any major blockchain in any of a wide range of cryptocurrencies, and each payment is swapped on-chain and settled to the merchant as a single stablecoin on one network, for a flat service fee with no monthly, setup, or per-invoice charges. Merchants can use a hosted checkout page or integrate directly through a REST API with signed webhooks covering the invoice lifecycle. The platform offers one-off invoices for individual charges and permanent product links for repeated sales, with recurring subscription billing planned.

Bitnovo Business is a merchant crypto payment gateway enabling businesses to accept cryptocurrency payments via payment links, QR codes, and website integrations with automatic fiat conversion and settlement. Merchants integrate through API or physical ATM hardware installations, and can also distribute Bitnovo gift card vouchers through their retail locations.

TryBit Crypto Payment Gateway is a merchant payment gateway that lets businesses accept cryptocurrency payments online through API integration, CMS plugins, and HTML widgets. It generates invoices, supports donation links, offers a white label solution for platforms embedding the checkout flow, and automatically withdraws settled funds to merchant wallets while mitigating stablecoin volatility. Users can also connect via WalletConnect and access built-in balance conversion or a card-based option to acquire crypto within the same account. The gateway serves e-commerce, SaaS, education, gaming, and other online businesses across multiple blockchains and stablecoins.

Due Payments is a global payment acceptance platform intended to let businesses accept payments through bank transfers, mobile money, digital wallets, and cryptocurrency across multiple networks. It is designed to support global checkout, mobile point-of-sale, payment links, and invoices, with settlement into stablecoins or local currency. The platform's checkout and point-of-sale features are marketed as upcoming rather than currently available to merchants.

DashX Gateway is a payments infrastructure and orchestration platform that helps businesses and independent contractors move money across borders. It provides virtual bank accounts in multiple currencies and routes payouts to local bank accounts in dozens of countries, alongside conversion between stablecoins and fiat currency handled through licensed partners. The platform connects to domestic transfer networks and international wire systems through a single application programming interface, letting payroll, remittance, and fintech companies route payments without building their own banking relationships. Identity verification and compliance monitoring, performed by regulated partners, screen users and transactions before funds settle. Developers integrate the platform through application programming interfaces and software development kits to embed cross-border payment flows into their own products.

BitPay Business Payment Gateway is a merchant payment processing service that enables businesses to accept cryptocurrency online, in-store, or via email invoicing. It integrates with common e-commerce platforms and converts incoming crypto payments to fiat, crypto, or a mix at settlement. Businesses use it to receive and move funds without relying on traditional banking rails.

Lyzi Payment Gateway is a merchant payment gateway that lets retailers, e-commerce sites, brands, PSPs, banks, and nonprofits accept cryptocurrency and stablecoin payments. It connects to point-of-sale systems, checkout flows, and banking partners through a single API, routing transactions across multiple blockchains and wallets or exchanges before converting proceeds to fiat or stablecoins for merchant payout. The platform also provides payment links, buy buttons, and e-commerce plugins for online integration, alongside an administrative backoffice for merchants to manage balances, transfers, and identity verification.

B2BinPay is a cryptocurrency payment platform that lets merchants, financial institutions, and other businesses accept, hold, and move digital assets under a single account and dashboard. It provides merchant checkout integration with automatic settlement, wallet infrastructure for storing and transferring assets, and crypto-to-fiat conversion tools accessible through a unified API. The platform also offers custody, staking, and instant crypto-to-crypto conversion services, and can be deployed under a client's own branding as a white-label solution. Businesses across industries such as e-commerce, gaming, and gambling use the platform to accept payments across multiple blockchains and hold or grow digital asset balances.

AstraPay is a non-custodial Web3 payment protocol enabling businesses and creators to accept cryptocurrency payments through checkout buttons, payment links, or direct API integration. The system generates temporary wallet addresses per transaction and automatically transfers funds to the merchant designated receiving wallet, with fees starting at 0.5 percent per transaction.

Fipto Payment Platform is enterprise stablecoin payments infrastructure that lets businesses send, receive, hold, and convert funds across fiat and stablecoin rails. It provides multi-currency business accounts, global payouts, and instant conversion between currencies with continuous settlement. The platform serves payment service providers, crypto brokers, and enterprise treasury teams operating across multiple blockchains and fiat currencies.

AurasPay is a non-custodial crypto payment platform that lets businesses accept digital-asset payments across online and in-person channels. Merchants create payment links, QR checkouts, invoices, and point-of-sale requests through a merchant dashboard, with an accompanying REST API and commerce plugins for embedding checkout into existing platforms. Payments settle directly to merchant-controlled wallets across multiple blockchains without AurasPay taking custody of funds. The platform also offers white-label deployment for businesses that want a branded payment experience on shared infrastructure.

Koywe Payments is a payments infrastructure product that lets businesses collect and pay funds internationally across multiple Latin American markets and beyond. It processes pay-ins through payment links, hosted checkout, and in-person QR payments, and pay-outs to suppliers and other third parties, using local payment methods in each country. Companies, fintechs and payment service providers access the service through a single platform or API, receiving fee and exchange-rate quotes before confirming each transaction. The product also enables merchants to accept point-of-sale payments from foreign customers in the customer's local currency while settling in the merchant's own currency.

Request Network Protocol is a decentralized payment infrastructure that lets businesses and developers create, send, and accept crypto payment requests. It combines on-chain anchoring with distributed storage to generate verifiable invoices and payment links, track their settlement status, and route funds directly between wallets across multiple blockchain networks. Users access the system through a shared dashboard and API that support both collecting payments from customers and sending payouts to recipients, including cross-chain and crypto-to-fiat settlement options.

ChainRails is a merchant payment gateway that lets businesses accept cryptocurrency and fiat payments from any supported blockchain, token, or currency through a single integration. It processes transactions with an intent-based architecture that escrows funds on-chain, automatically routes and swaps or bridges them, and settles to the recipient's preferred chain, token, or bank account. Businesses integrate through an embeddable payment modal, direct API and SDK calls, or contract-level integration, and can generate shareable payment links, manage deposits and withdrawals, and sponsor network fees for end users through a paymaster feature. A dashboard provides visibility into volume, revenue, and API configuration. Fiat conversion and identity verification are handled through integrated ramp and KYC flows.

CCPayment Payment Gateway is a merchant payment gateway that lets businesses accept cryptocurrency payments through an API or no-code checkout links. It converts incoming payments across multiple blockchains and tokens, applies volume-based service fees, and settles funds to merchant balances without exposure to chargebacks. Merchants can also access built-in token swaps, crypto-to-fiat settlement, discounted network-fee funding for withdrawals, and invoicing tools from the same account. The gateway is used by e-commerce, SaaS, and forex brokerage businesses seeking to accept and manage crypto payments alongside traditional settlement needs.

Confirmo is a stablecoin payment platform for businesses, delivered through a unified dashboard and API. It combines a merchant checkout for accepting one-off payments via hosted invoices, embeddable payment buttons, and email invoicing, with a deposits feature that issues permanent per-customer wallet addresses for recurring inbound transfers. A payouts module lets businesses send on-demand, bulk, or scheduled outbound transfers to crypto wallets or bank accounts, converting between stablecoins and fiat as needed. A subscription billing feature lets merchants create recurring stablecoin billing plans, with each subscription isolated in its own smart contract carrying a scoped, one-time customer approval that can be canceled independently on-chain. All modules settle into a single merchant balance across multiple supported blockchains and stablecoins.

Breeze Payment Platform is a merchant of record payment gateway that lets businesses accept card, digital wallet, and crypto payments through a single API integration. It hosts checkout pages and payout flows, handling payment processing, chargeback and fraud liability, sales tax collection and remittance, and KYC-driven compliance on behalf of merchants. The platform settles merchant balances in stablecoins or fiat and supports recurring subscription billing alongside one-time payins and payouts across multiple blockchains.

Coinflow is a payment infrastructure platform that enables businesses to accept customer payments and send payouts to users worldwide. It processes credit and debit cards, bank transfers, digital wallets, and stablecoin payments, and settles funds to a merchant wallet or bank account through instant or standard rails. The platform also handles fraud protection, chargeback indemnification, and regulatory compliance for merchants. Additional capabilities include recurring subscription billing and multi-party marketplace payments with split settlements and automated seller payouts.

Nodex is a non-custodial merchant payment gateway that enables businesses to accept cryptocurrency payments and receive settlement instantly. The platform's smart contracts route each payment through decentralized liquidity pools to fetch the best available exchange rate at the time of payment, converting the payer's chosen token into the merchant's selected settlement asset. Merchants connect a self-custody wallet to configure receiving addresses and settlement tokens, avoiding identity screening requirements and per-transaction fees, while payers pay directly from their own web3 wallets across multiple blockchain networks.

Nevermined Pay is a merchant payment gateway that lets AI agents transact autonomously using delegated virtual cards and usage-based billing. Users set spending mandates with amount caps, expiry, and transaction limits, after which agents authorize purchases through the x402 protocol without manual card entry. Enrolled cards are issued as virtual card credentials, including Visa-powered virtual cards, usable at any merchant accepting that card network rather than a single platform. The system meters usage in real time and settles payments across fiat and crypto rails, while also billing AI service providers for agent consumption on their APIs.

Loofta Pay is a non-custodial payment platform that lets users send crypto to anyone using only an email address or social handle instead of a wallet address. Recipients claim funds through a link and choose to hold them in one of many supported tokens or cash out directly to a bank account, while senders can optionally enable a shielded mode that hides the amount and counterparty from public view. The platform also generates shareable payment links and routes cross-chain payments through deposit addresses, letting a payer send whatever token they hold while the recipient receives exactly the asset and network they specified. Businesses can integrate the same rail through an SDK or hosted checkout to power payouts, gifts, payment links, and payroll within their own products. The platform supports transfers and routing across multiple blockchains and settlement tokens.

KIRAPAY Payment Gateway is a cross-chain merchant payment gateway with SDKs and APIs for accepting cryptocurrency payments. It lets customers pay with tokens held on one blockchain while merchants settle on their preferred chain, using an intent-based routing system that handles bridging and swapping behind the scenes. Merchants can also generate no-code payment links without integrating the API directly. The product is in open beta while a new version is under development.

Gaian Payment Platform is a stablecoin payment infrastructure product that enables borderless QR code payments and cross-border transfers with automatic conversion to local currency. It provides an API gateway and open-source SDK for businesses to embed stablecoin payments into their own platforms, alongside a hosted QR scanner and checkout for end users. The platform also issues embedded wallets so users without existing crypto wallets can hold and convert multiple stablecoins, and supports on and off-ramp conversions between stablecoins and local fiat currencies through licensed banking and payment-service partners. It operates across multiple blockchains and settles payouts through local banking rails in several Asia-Pacific markets.

HoneyCoin is a payment orchestration platform aggregating multiple payment providers, processors, and blockchain rails into unified API infrastructure for cross-border business payments. Users hold funds in multi-currency wallets supporting fiat and stablecoins, collect payments via bank transfers and mobile money, execute payouts across various markets, convert currencies through an OTC desk, issue virtual cards for expenses, and process bulk payouts for payroll operations.

Minisend is a cross-chain stablecoin settlement platform that lets individuals and businesses deposit USDC or USDT from multiple blockchains into a single address and convert the balance to local currency. The platform settles payouts to mobile money accounts such as M-Pesa or to local bank accounts across supported African markets. Beyond the consumer app, it offers a merchant dashboard with hosted checkout, payment links, invoicing, and scheduled auto-settlement, alongside off-ramp, on-ramp, and wallet APIs for developers to embed the same conversion and settlement flow into their own products.

StableFlow is a merchant payment gateway that lets Nigerian businesses accept stablecoin payments from customers. It works through a single static QR code or shareable payment links, converting incoming stablecoins into naira and settling funds directly to the merchant's bank account. Merchants receive cashback on processed transactions and can be discovered by nearby customers through the platform's merchant directory.