List of Merchant Payment Gateway companies in Web3 (2026)

Orbi Gateway is a merchant payment gateway that enables businesses to accept stablecoin payments as part of their checkout flow. It integrates with a business's existing sales channels to process digital dollar payments from customers. The product is hosted on its own platform separate from the consumer Orbi app and is aimed at businesses rather than individual consumers.

Stvble X is a business payments platform that bundles fiat-crypto conversion, merchant checkout acceptance, and invoicing into a single suite accessed from one homepage under the Stvble Global Limited brand. Its on/off-ramp widget lets platforms integrate cryptocurrency market access using multiple payment methods and currencies. A merchant payment gateway component allows businesses to accept cryptocurrency payments through their existing checkout flows with automated settlement to preferred currencies. An invoicing tool lets businesses send and receive invoices with flexible settlement in fiat currencies or stablecoins for cross-border transactions.

A crypto payment gateway enabling businesses to accept cryptocurrency payments through QR codes, POS systems, and NFC tap-to-pay, with unified fiat and crypto account management, KYT compliance checks, and flexible payout options to bank accounts or crypto wallets.

Dexter x402 Facilitator implements the x402 payment protocol for AI agent micropayment settlement on Solana. The system validates tool requests through cryptographic verification, processes DEXTER token payments with millisecond confirmation times, generates on-chain receipts for audit trails, and maintains facilitator endpoints for autonomous agent-to-agent transactions. The implementation serves both as payment provider for Dexter services and payment consumer for external x402-compatible resources.

MCPay is an open-source payment layer for Model Context Protocol servers that lets users access paid APIs with pay-per-call pricing instead of subscriptions. It proxies requests, negotiates x402 payment, accepts on-chain payment, retries the MCP call after confirmation, and streams usage and revenue events.

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.

Sarafa Merchant is a web-based payment acceptance platform for businesses, enabling in-store and online collection via scannable QR codes and merchant-specific payment identifiers. The system processes multi-currency transactions and settles funds in the merchant's preferred currency. Merchants manage payment activity and configure their storefront through a dedicated web portal.

Shakesco is a self-custody crypto wallet and payments app that lets individuals and businesses buy, send, and receive Bitcoin, Ethereum, and stablecoin-based assets. It is built on an ERC-4337 smart contract wallet, using multi-party computation to secure account recovery and account abstraction to remove seed phrase management and gas handling for users. The app bundles payment links, point-of-sale checkout, a loyalty token marketplace, recurring payments, split payments, and privacy features such as stealth addresses and Bitcoin silent payments into one interface.

PayLeaf provides mobile cryptocurrency payment processing for cannabis merchants through QR code scanning and Phantom wallet integration, enabling acceptance of PUFF, SOL, and USDC with automatic stablecoin conversion to avoid volatility.

Eluter Platform is a neobank offering multi-currency accounts for companies engaged in international trade. It provides accounts in dollars, pesos, and crypto, alongside international payments, foreign exchange conversion, payment links for online collections, and team-based access management. Businesses use it to centralize cross-border financial operations, converting between currencies and settling payments to overseas counterparties from a single interface.

Fincra APIs is a payments infrastructure platform providing developers with unified REST endpoints for collecting, converting, and disbursing funds across multiple currencies and payment methods. Businesses integrate checkout pages, payment links, virtual accounts, and direct debit into their own applications to accept customer payments, then use payout and money transfer endpoints to send funds to beneficiaries across many countries. The platform also offers currency conversion between supported currencies and identity verification to validate customer information during onboarding. Authentication, webhooks, and rate limiting support integration into fintech, e-commerce, payroll, and remittance applications.

ClockPay provides payment gateway services through payment link generation and API integration, enabling cryptocurrency transaction processing with real-time exchange rate calculations and secure wallet management.

Recurrente is a payment processing platform that lets businesses in Guatemala accept card payments, bank transfers, and stablecoin payments through a single dashboard. It provides physical and mobile point-of-sale acceptance, shareable payment links, an online store builder, and automated subscription billing, alongside virtual bank accounts and inbound transfers from the United States, Mexico, and Europe. Users can also buy, sell, and accept payment in dollar-pegged stablecoins and tokenized gold, with funds settled to local bank accounts. The platform serves merchants, freelancers, and service businesses seeking card, transfer, and digital-asset payment acceptance in one system.

Trokera is a regulated digital financial platform for receiving, storing, exchanging, and sending Bitcoin and USDT. It operates continuously, supporting Bitcoin transfers on-chain and via the Lightning Network alongside USDT transfers across multiple blockchains. The platform offers fiat conversion, card payments, and merchant payment tools, serving both individuals and businesses in markets where it is available.

Dropp Pay Add-ons for WooCommerce, Shopify, WordPress are extensions that adds Dropp payment methods to online stores. Customers pay at checkout using Pay-by-Bank or stablecoin options with merchants receiving instant settlements via RTP.

Smartpay is a merchant payment gateway that processes digital asset payments for retailers across South America and Angola. It converts stablecoin and cryptocurrency payments to fiat currency in real time through an integrated conversion mechanism, crediting merchants in local currency at regular intervals. Merchants integrate the gateway into existing checkout flows to accept cryptocurrency without paying processing fees, and consumers can pay via instant local payment networks using cryptocurrency balances.

ArcPay implements cryptocurrency payment processing for Telegram Mini Apps and web projects through TON Connect integration, facilitating acceptance of TON blockchain tokens including native TON and USDT with commission-based revenue sharing for merchants.

WestWallet API is a merchant payment gateway that lets businesses accept cryptocurrency payments through a RESTful API and pre-built e-commerce integrations. It generates payment invoices, processes transaction callbacks, and supports continuous fund withdrawals with a commission fee applied on outgoing transfers. The gateway is used by merchants seeking to integrate crypto payment acceptance into their own websites or projects.

Pulsar Payment Infrastructure is a business-facing payments system that lets merchants and venues accept stablecoins, crypto, and fiat through POS and Soft POS terminals or QR codes. It provides an API layer for onchain settlement and fiat off-ramp, allowing custom integrations across multiple blockchains. The product targets event operators and venues seeking low-fee, real-time settlement for closed-loop or open payment acceptance.

Coinsub Payment Platform is a cryptocurrency payment infrastructure that lets merchants accept stablecoin payments and manage money movement under their own brand. It supports checkout acceptance, subscription billing, invoicing, and pay links, alongside payouts, wallet-based balance holding, and currency or asset conversion. Businesses integrate it through a hosted checkout page, button or iframe embeds, or a headless API for fully custom payment flows across multiple blockchains.

Yodl Pay is a mobile application that lets travelers make stablecoin payments by scanning everyday local QR codes such as PIX, VietQR, GCash, and QR Ph. Users pay merchants directly from a self-custodial wallet, with funds converted so the merchant receives their own local currency rather than crypto. The app targets travelers and digital nomads paying in person in supported countries, removing the need to hold or exchange local cash or use traditional card rails.

OlyPay is an API-driven B2B payment platform that enables businesses to accept cryptocurrency payments, convert them to fiat currencies, and withdraw funds globally.

Rapyd is a financial services platform that lets businesses embed payments, payouts, card issuance, and multi-currency accounts into their own applications through a unified API and account. It processes online and in-store checkout payments across local payment methods and currencies, and issues virtual and physical cards with configurable spending controls. The platform also handles cross-border payouts through bank transfers, card disbursements, and digital wallet transfers, including settlement in stablecoins. A multi-currency business account underlies all these functions, letting businesses hold, convert, and move balances across currencies from a single dashboard. Businesses across industries use it to accept customer payments, pay employees or partners internationally, and issue cards, all managed through one merchant account and integration.

Chains ERP Point of Sale is a merchant checkout application that businesses enable within their Chains ERP workspace to process in-person sales. It tracks orders through creation, preparation, and payment stages in real time, matches incoming mobile money payments to open orders automatically, and lets staff sign in with an email and PIN separate from the main finance account. The system feeds tips, deductions, and per-staff sales data directly into the payroll module, and accepts mobile money, Bitcoin, and stablecoin payments at checkout.

GemRails is a merchant payment gateway that enables Nigerian businesses to accept stablecoin payments and receive instant naira settlement to their bank accounts. Customers pay by scanning a merchant QR code with stablecoins, and the platform automatically converts the payment and settles funds within seconds. Merchants access a dashboard for transaction monitoring and can integrate payments through an API or checkout flow.

Monstrè enables businesses to accept cryptocurrency payments through NFC-enabled devices including playbands, gift cards, and POS systems.

SmilePayz Payment Gateway is a merchant payment gateway that lets businesses accept local payment methods and stablecoins across markets in Asia, Latin America, and Africa. It provides a single RESTful API secured with digital-signature authentication, connecting merchants to bank transfers, QR codes, e-wallets, virtual accounts, card payments, and stablecoin settlement with same-day payout capability. The platform serves forex and CFD brokers as well as iGaming operators through the same unified API and merchant backend, rather than through separate applications. Real-time transaction routing and webhook-based callbacks support high-volume, latency-sensitive use cases such as trading platforms and gaming deposits.

Yumi Buy Now Pay Later is a checkout SDK and API for merchants and PSPs to offer pay‑in‑4 with crypto. It evaluates applicants with onchain and offchain data, authorizes a limit, splits payment between shopper and Yumi, and settles to the merchant in stablecoins or fiat.

Nummun is Minos Global's crypto payment gateway enabling merchants to accept cryptocurrency payments in the currency of their choice, with integrated custody and brokerage for seamless settlement.

ShieldPay is a business payment platform that lets international wholesalers and trade businesses accept stablecoin payments, hold multi-currency balances, and access credit. It converts incoming stablecoin transfers into same-day USD wires or ACH settlements through a named virtual business account with its own US routing and account numbers. Businesses can also send outbound wire, ACH, or stablecoin payments to suppliers, and apply for business credit cards with limits based on company revenue rather than personal credit history. All account activity, including cards and payments, runs through one Shield account protected by KYC and KYB checks, sanctions screening, and wallet risk screening.

Stablepay is a stablecoin payment network that connects wallets, telcos, fintechs, and financial institutions to enable consumer and merchant payments across Africa. The platform lets users send stablecoins that are automatically converted and settled in local currency in real time, with payments authenticated directly from the sender's wallet. It supports both person-to-person transfers through a stablecoin credential linked to a wallet and direct spending at merchants, bill payments, and mobile money transfers, operating on a public blockchain network.

XKOVA is a white-label consumer payments platform for protocols and stablecoins that provides email-based transfers, ecommerce integrations, rewards, and compliance features.

LocalPayment API is a merchant payment gateway that enables businesses to accept and send cross-border payments across emerging markets through a single integration. It unifies payins, payouts, and treasury and foreign exchange operations, supporting cards, bank transfers, local account-to-account rails, digital wallets, and other alternative payment methods alongside crypto on and off ramp conversion. Businesses use it to collect customer payments, disburse funds, manage currency conversion, and reconcile settlements, with checkout options ranging from hosted payment links to embedded, fully customizable payment forms. The platform operates under local regulatory registrations in each supported market and provides webhook-based status updates for asynchronous payment methods.

A payment processing system enabling private financial transactions with instant settlement through IronWeave's blockchain architecture. Transaction details remain confidential between parties using Private-Shared-Blocks where only participants can access payment information. The system processes fast settlements with near-instant finality, maintains regulatory compliance frameworks, and supports cross-border transactions. All payment data is encrypted individually with keys known only to transacting parties, preventing visibility on public explorers while ensuring verifiable settlement.

Venta Payments is a Solana-based payment platform with optimized transaction routing, enabling merchants to accept cryptocurrency at point-of-sale. The system integrates with existing payment infrastructure while maintaining sub-second transaction finality through Solana's architecture.

Keychain is a merchant payment gateway that lets businesses accept pay-by-bank and USDC payments at a flat 1% fee. It runs alongside existing point-of-sale systems, settles the same day, and includes customer rewards without monthly or per-transaction fees.

A mobile payment platform that accepts cryptocurrency and fiat payments for restaurant and retail purchases, distributing USDC rewards to consumers while facilitating merchant payment processing.

Decal is a merchant payment gateway that enables payment acceptance on any device and includes customer loyalty features. Users can take payments quickly and reward customers without complex setup or high fees.

The Network Bank is a full-reserve bank operating in a special economic zone that provides multi-currency accounts, lending, card issuance, and foreign exchange services for businesses and individuals. It also offers a merchant payment gateway for accepting payments and open APIs that let other companies embed banking, card issuance, and payment features into their own platforms. The bank supports self-custody digital wallet linking, enabling account holders to interact with their own digital assets alongside traditional balances. Its services are delivered through a unified digital platform covering account management, payments, and card operations.

RaiPOS is a software-based payment acceptance solution that transforms Android mobile phones into secure contactless payment terminals, enabling merchants to accept card payments and digital wallet transactions through NFC technology without requiring dedicated hardware.

Estia Payments Gateway is a merchant payment platform integrating with retailer POS terminals and online store checkout systems to accept multi-currency payments. It provides a consumer-facing mobile wallet supporting QR code, NFC, and online payment channels. The system includes real-time transaction analytics, reporting dashboards, and a loyalty rewards program that returns cashback on consumer purchases.