Best International Payment Processing Services in 2026

Exporters, importers, and wholesalers now collect revenue and settle supplier invoices across dozens of currencies as supply chains stretch across regions. Cross-border B2B transaction value is projected to exceed $42.7 trillion in 2026, and the international payment services market is estimated at $193.5 billion this year. For trading businesses, the problem is converting currencies, settling supplier payments, and receiving client funds without multi-day banking delays. An international payment gateway automates end-to-end.

The strongest option for international trade in 2026 is NOWPayments. It supports 30+ stablecoins across major blockchains, charges 1% for single-currency deposits and 1.5% for multi-currency deposits with partner rates as low as 0.3%, and clears mass payouts in an average of 1–3 minutes. Its ecosystem ties together acceptance, payouts, conversions, wallets, and treasury workflows, making it the strongest fit for exporters, importers, marketplaces, and cross-border teams.

Below is our international payment gateway list for 2026:

1. NOWPayments
2. Payoneer
3. Wise
4. Airwallex
5. CoinGate

What International Trade Payment Gateways Need to Handle

Trading businesses collect money from buyers on one continent and pay suppliers, freight forwarders, and partners on another. A cross-border payment gateway must do more than process a single card charge; it has to handle currencies, local rails, batch payouts, and compliance documentation.

Key requirements include:

• Multi-currency collection and conversion. Accept, hold, and convert multiple currencies with predictable exchange fees.
• Local and alternative payment methods. Support local bank transfers, digital wallets, and stablecoins beyond international cards.
• Settlement and payout speed. Ensure timely payments to suppliers and partners without disrupting cash flow.
• Mass payouts. Pay hundreds of suppliers or partners at once with minimal manual work.
• Compliance and risk controls. Manage AML/KYC requirements, sanctions screening, and cross-border payment risks.

How We Ranked the Best Payment Gateways for International Trade

We compared international payment gateways based on three key criteria relevant to trading businesses in 2026:

• Supported Methods: Currencies, cards, bank transfers, local options, and stablecoins.
• Transaction Fees: Processing costs, FX markups, payout fees, and subscription charges.
• Business Features: Mass payouts, APIs, settlement speed, treasury tools, integrations, and customer support.

*Rates, supported assets, and settlement options change frequently. Verify current terms on each provider’s official site before signing up.

NOWPayments

Best for: A complete crypto business ecosystem covering acceptance, mass payouts, conversions, wallets, and treasury workflows.

Skip it if: You need a bank-licensed fiat account with direct local settlement in every corridor.

NOWPayments is a crypto payment gateway that combines acceptance, payouts, conversions, wallets, and treasury workflows in one account. The platform is custodial by default, which means it handles wallet infrastructure, rate locking, confirmations, and outbound transfers internally. This structure fits trading companies that want to invoice international clients in stablecoins, pay overseas suppliers without correspondent banks, and run mass payouts from the same dashboard. As a platform for exporters, importers, marketplaces, and affiliate networks, it treats blockchain rails as core financial infrastructure rather than an add-on.

Supported Payment Methods. The center of the catalog is stablecoin settlement: merchants can accept USDT and USDC across ERC-20, TRC-20, BNB Smart Chain, Solana, Polygon, Arbitrum, and the Lightning Network, with 30+ stablecoins supported in total. Beyond stablecoins, the gateway lists 350+ coins and tokens across 40+ networks, and new assets are added monthly. Invoices and checkout can display prices in 75+ fiat currencies, so a buyer in Brazil, India, or Nigeria sees a familiar amount while settlement happens on-chain. Fiat on-ramps and off-ramps run through third-party partners, and crypto-to-fiat withdrawals carry a 1.5–2.3% partner fee depending on volume. 

Feature	NOWPayments
USDT Support	8+ networks
USDC Support	✅
Stablecoins	30+
Total Assets	350+
Networks	40+
Fiat Display	75+ currencies
Fiat Settlement	Via partners (1.5–2.3%)

Transaction Fees. NOWPayments charges a 1% service fee on single-currency deposits and 1.5% on multi-currency deposits that require conversion or fixed-rate locking. Partners can cut the single-currency rate to as low as 0.3% through ChangeNOW Pro payout usage, long-term volume discounts, or voluntary verification. Off-chain conversions cost 0.5%, payouts carry a 0% service fee, and eligible ChangeNOW Pro payouts have a $0 network fee. 

Fee Type	Rate
Single-Currency Deposits	From 1% down to 0.3%
Multi-Currency Deposits	1.5%
Conversions	0.5%
Payouts	0% service fee
ChangeNOW Pro Payouts	$0 network fee
Fiat Withdrawals	1.5–2.3% (partner fee)

Business-Focused Features. NOWPayments processes 99% of deposits in under one minute, with an average transaction time of about 5 minutes across all networks. Mass payouts reach 1,000+ recipients in a single click over API or CSV at a 0% service fee, clearing in an average of 1–3 minutes, while the email payout system delivers funds to a supplier’s wallet in under 1 second with no network fee. Standard stablecoin payouts average 26 seconds on BNB Smart Chain and 94 seconds on Ethereum ERC-20. The REST API reports 99.99% uptime with a 350 ms average response time, plugins cover WooCommerce, and 24/7 dedicated support costs nothing extra. 

Feature Area	Key Capabilities
Revenue Infrastructure	Payments, invoices, payment links, POS
Treasury Automation	API, scheduled withdrawals, custody balances
Mass Payouts	1,000+ recipients, email payouts (<1 sec)
Stablecoin Settlement	USDT, USDC, cross-border supplier payments
Enterprise Scale	High-volume processing, custom terms, 24/7 support
Ecosystem	Payments + payouts + conversions + wallets

What Makes NOWPayments Different:

• All-in-one business ecosystem. Acceptance, mass transfers, conversions, custody wallets, and recurring billing live in one dashboard, so international payment solutions don’t require stitched-together providers.
• Payouts by email. The ecosystem email payout solution delivers funds in under 1 second at $0 network fees, removing wallet-address friction for suppliers and affiliates.
• Earning and growth layer. The ecosystem covers monetization angles such as the 25% lifetime affiliate program, and partnership includes tax and compliance guidance plus hands-on operational support.

Sources:

• NOWPayments pricing
• NOWPayments mass payouts
• NOWPayments fiat solutions
• NOWPayments help center

Payoneer

Best for: Marketplace sellers and businesses collecting client payments through local receiving accounts.

Skip it if: You need on-chain settlement or processing economics below 1%.

Payoneer is a multi-currency business account with a built-in billing layer, designed for companies that receive payments from international clients and platforms. It operates in over 190 countries and territories and supports more than 70 currencies, providing local receiving details that allow trading businesses to collect payments as if they were local companies. The network covers 2,000+ marketplaces, including Amazon, eBay, Etsy, Airbnb, Upwork, and Fiverr. For international business transactions routed through marketplaces or direct client invoices, it remains one of the most established options.

Supported Payment Methods. Payoneer provides local bank details in 13 currencies: USD, EUR, GBP, JPY, AUD, CAD, SGD, HKD, AED, MXN, IDR, BRL, and KRW, plus SWIFT receiving details in 19 additional currencies. Clients can pay by credit or debit card, ACH bank debit in the US, open-banking transfer in the UK and EU, local bank transfer, PayPal, or Payoneer balance. Card payments have a per-transaction cap of $15,000 / €15,000 / £15,000, while local bank transfers allow up to $100,000. Payment requests with attached invoices can be sent in 6+ currencies. These international payment methods cover most B2B trade flows, though on-chain options are absent.

Feature	Payoneer
Currencies	70+
Countries	190+
Local Receiving Details	13 currencies
SWIFT Receiving	19 additional currencies
Cards	✅
ACH / Open Banking	✅
Marketplaces	2,000+

Transaction Fees. Receiving from another Payoneer balance or into a local-currency receiving account is free, while receiving in a non-local currency costs 1% with a $1.00 minimum. Card payments cost up to 3.99% plus a $0.49 fixed fee, and ACH or EU/UK bank debits cost 1%. Currency conversion between balances runs 0.5% above mid-market, rising to up to 2% on withdrawal, and same-currency withdrawals to a local bank cost a flat $1.50 / €1.50 / £1.50 per transaction up to $50,000 per month, then 0.5%. Accounts that receive less than $2,000 in 12 months pay a $29.95 annual fee. 

Fee Type	Rate
Local-Currency Receiving	Free
Non-Local Currency Receiving	1% (min $1.00)
Credit/Debit Card	Up to 3.99% + $0.49
ACH / EU-UK Bank Debit	1%
Balance Conversion	0.5% above mid-market
Withdrawal Conversion	Up to 2%
Local Bank Withdrawal	1.50/€1.50/£1.50 flat (<50k/mo, then 0.5%)
Annual Fee (low activity)	29.95 (<2,000 received/yr)

Business-Focused Features. Card payments arrive within 2 calendar days, local bank transfers land in 1–3 business days, and Payoneer-to-Payoneer transfers credit in about 2 hours, while ACH debits range from 1 hour to 5 business days. Withdrawals to a local bank typically complete the same day or within 1–3 business days, with most arriving within two. The Mass Payout tool sends batch transfers to 150 bank accounts at once up to 1,000 payments per file for US businesses, and the platform’s international payment processing services include a RESTful API with OAuth 2.0, webhooks, and a sandbox.

Feature Area	Key Capabilities
Client Invoicing	Payment requests in 6+ currencies
Mass Payouts	150 bank accounts per batch; 1,000 per file (US)
Developer Tools	REST API, OAuth 2.0, webhooks, sandbox
Marketplace Network	2,000+ platform integrations
Working Capital	Capital Advance (eligibility-based)
FX Tools	Target-rate conversion, auto-withdrawals

What Makes Payoneer Different:

• Marketplace depth. With 2,000+ integrated platforms, it is the default rail for marketplace payouts from Amazon to Upwork.
• Local receiving accounts. Bank details in 13 currencies allow a trading business to receive payments like a local company in the US, EU, UK, and key Asian markets.
• Established compliance footprint. Payoneer is regulated in 8 jurisdictions, holds PCI DSS certification, and processed $80.2 billion in volume during FY2025.

Sources:

• Payoneer pricing
• Payoneer receiving accounts
• Payoneer marketplace network

Wise

Best for: Low-cost currency conversion and fast global transfers with transparent mid-market pricing.

Skip it if: You want to accept card payments as a new customer where card acceptance closed to new sign-ups in late 2026.

Wise Business is a multi-currency account built around foreign exchange rather than card acquiring. Businesses get local account details in up to 22 currencies, hold 40+, convert 140, and send to 160+ countries at the mid-market rate with markups from 0.23%. The Essential plan is free, and the Advanced plan costs a one-time $31, with no monthly charges on either. Trading companies that primarily transfer money by bank transfer and want to see the actual exchange rate before sending benefit the most. It handles international payments for business with no monthly overhead.

Supported Payment Methods. Wise provides local account details in up to 22 currencies, and receiving in nine core currencies, such as AUD, CAD, EUR, GBP, HUF, NZD, PHP, SGD, and USD, is free. Clients can pay by local bank transfer, SWIFT, Wise-to-Wise transfer, or through invoices and payment links with QR codes. Card acceptance remains available to existing users at 2.9% + $0.30 for US domestic and 4.2% + $0.30 for international cards, but Wise closed card acceptance to new business customers in September 2026. Receiving USD by wire costs a fixed $6.11, while ACH deposits are free. 

Feature	Wise
Currencies Held	40+
Local Account Details	22 currencies
Free Receiving	9 currencies
Convert	140 currencies
Send Coverage	160+ countries
Cards (existing users)	2.9% + $0.30 US / 4.2% + $0.30 intl

Transaction Fees. Currency conversion starts at 0.23% on major routes for US businesses, and volume discounts apply automatically above $25,000 sent per month. There is no monthly fee: the Essential plan is free, and the Advanced plan costs a one-time $31. ATM withdrawals are free up to $250 per month, then cost $1.95 plus 1.95%, and e-wallet top-ups carry a 2% charge.

Fee Type	Rate
Currency Conversion	From 0.23% (mid-market)
USD Wire Receiving	$6.11 fixed
USD ACH Receiving	Free
Card Acceptance (existing users)	2.9% + $0.30 US / 4.2% + $0.30 intl
Essential Plan	Free
Advanced Plan	$31 one-time
ATM (over $250/mo)	$1.95 + 1.95%

Business-Focused Features. Speed is Wise’s strongest published metric: 77% of transfers arrive in under 20 seconds and 95% land within 24 hours, while USD wires take 1–2 business days and SWIFT runs 2–5 days. The BatchTransfer tool pays up to 1,000 recipients from a CSV upload, and the business API is free. Accounting integrations cover Xero, QuickBooks, FreeAgent, and FreshBooks, and the Wise Platform product lets larger companies embed the same rails under their own brand. Teams get three free virtual cards, and USD balances held through program banks earn 3.4% variable APY.

Feature Area	Key Capabilities
Transfer Speed	77% <20 sec; 95% <24h
Batch Payments	1,000 recipients (CSV)
Developer Tools	Free API, webhooks
Accounting	Xero, QuickBooks, FreeAgent, FreshBooks
Team Cards	3 free virtual cards
Yield	3.4% APY on USD (via program banks)

What Makes Wise Different:

• Mid-market transparency. Conversion from 0.23% with no hidden FX markup makes the total cost of every corridor predictable before sending.
• Speed at scale. With 77% of transfers completing in under 20 seconds, Wise posts the strongest published settlement speed among the fiat providers in this comparison.
• No recurring fees. Both plans carry $0 in monthly charges, so seasonal traders don’t accumulate fixed costs in slow months.

Sources:

• Wise business pricing
• Wise business account
• Wise Platform

Airwallex

Best for: Combining checkout acceptance and multi-currency treasury in one platform.

Skip it if: You only need payouts and don’t want to pay card-acquiring rates.

Airwallex is a global financial platform that pairs a payment gateway with multi-currency accounts, corporate cards, and expense tools. Merchants can accept payments across 180+ countries and collect in 130+ currencies, while Global Accounts provide local bank details in 70 countries and hold 27 currencies. The Explore plan costs $0 per month in the US, putting full acquiring and treasury tooling within reach of mid-size importers and exporters. It fits trading businesses that want checkout, supplier payouts, and FX management running on a single ledger.

Supported Payment Methods. The breadth of methods to pay is Airwallex’s main draw: 160+ options spanning cards, digital wallets, BNPL, bank transfers, and QR schemes across 180+ countries. Global Accounts provides local bank details in 70 countries and lets businesses hold 27 currencies, with like-for-like settlement in 20+ of them. On the payout side, local rails reach 121 countries, and SWIFT reaches 207, with 60+ payout currencies supported.

Feature	Airwallex
Payment Methods	160+
Countries	180+
Collect Currencies	130+
Hold Currencies	27
Local Bank Details	70 countries
Payout Reach	121 local-rail / 207 SWIFT

Transaction Fees. In the US, domestic cards cost 2.80% + $0.30 and international cards 4.30% + $0.30, with no separate cross-border surcharge. FX conversion runs 0.5% above interbank for major currencies and 1.0% for others, and local methods carry a $0.30 fixed fee plus the method’s own rate. Domestic transfers and local-rail payouts to 120+ countries are free, while SWIFT transfers cost $15–25. The Explore plan is free, and Grow costs $12 per active Spend user per month. One integration covers 180+ countries on this cross-border payment gateway.

Fee Type	Rate
US Domestic Cards	2.80% + $0.30
US International Cards	4.30% + $0.30
FX Markup	0.5% major / 1.0% other
Local Payment Methods	$0.30 + method fee
Local-Rail Transfers	Free (120+ countries)
SWIFT Transfers	$15–25
Explore Plan	$0/mo

Business-Focused Features. Card settlements arrive the next business day in the US and UK under a T+1 model. Payouts complete same-day in 94–95% of cases, with 45–65% settling instantly on local rails, and corridors such as USD→EUR clear in 0–1 day. Batch payments support up to 1,000 recipients, and the platform adds no-code payment links, plugins for Shopify, WooCommerce, Magento, and BigCommerce, and two-way sync with Xero, QuickBooks, and NetSuite. This international payment processing solution is ideal for finance teams that want one vendor for acceptance and payouts.

Feature Area	Key Capabilities
Settlement	T+1 card settlement (US/UK)
Payout Speed	45–65% instant; 94–95% same-day
Batch Payments	1,000 recipients
Integrations	Shopify, WooCommerce, Magento, BigCommerce
Accounting	Xero, QuickBooks, NetSuite
Corporate Cards	Multi-currency issuing (40–60+ countries)

What Makes Airwallex Different:

• Gateway-plus-treasury stack. Acceptance, multi-currency accounts, cards, and expense management share one ledger, which shortens reconciliation for trading companies.
• Published payout performance. Reporting 45–65% instant and 94–95% same-day payouts gives finance teams concrete numbers to plan working capital around.
• Regional acquiring pricing. Rates start at 1.30% + £0.20 in the UK and 1.30% + €0.25 in the EEA, which is below its US card pricing.

Sources:

• Airwallex pricing
• Airwallex payment acceptance
• Airwallex global accounts

CoinGate

Best for: EU-licensed crypto acceptance with fiat settlement to a bank account.

Skip it if: You need daily fiat payouts on a standard plan, or you operate in the US.

CoinGate is a Lithuania-based crypto payment processor licensed as a MiCA CASP and Payment Institution by the Bank of Lithuania. Founded in 2014, it has processed 7 million+ lifetime payments across 180+ countries and focuses on straightforward digital-asset acceptance with optional fiat settlement. Trading businesses can invoice overseas clients on-chain and receive EUR, USD, or GBP in a bank account. It fits European importers and exporters that want regulated acceptance without holding crypto on their balance sheet. 

Supported Payment Methods. CoinGate supports 10+ cryptocurrencies, including BTC, LTC, ETH, USDC, on seven networks, BCH, XRP, POL, DOGE, and SOL, with the Lightning Network enabled by default for Bitcoin. Merchants settling in USDC can route across Ethereum, Solana, Base, Polygon, BNB Smart Chain, Arbitrum, and Optimism. CoinGate discontinued USDT support in 2025 to align with MiCA requirements, which matters for trading partners who prefer Tether. Fiat settlement is available in EUR, USD, and GBP, and the customer-facing checkout is crypto-only. The international payment methods list is shorter than at crypto-native rivals, but it covers the highest-liquidity assets.

Feature	CoinGate
Cryptocurrencies	10+
USDC Networks	7
Lightning	✅
USDT	❌
Fiat Settlement	EUR / USD / GBP
Customer Checkout	Crypto-only

Transaction Fees. Processing costs a flat 1% with no monthly or setup fees, and manual currency conversion adds 1%; automatic checkout conversion is excluded from this charge. Crypto withdrawals and SEPA payouts are free above a €50 minimum, while SWIFT withdrawals cost 0.50% with a €50 minimum fee. Payouts to third parties cost €0.50 + 0.5%, and refunds carry a €0.25 + 0.1% charge.

Fee Type	Rate
Processing	1% flat
Manual Conversion	1%
Crypto Withdrawal	Free (min €50)
SEPA Withdrawal	Free (min €50)
SWIFT Withdrawal	0.50% (min €50)
Third-Party Payouts	€0.50 + 0.5%
Refunds	€0.25 + 0.1%

Business-Focused Features. Payment speed varies by network: Lightning payments confirm in seconds, TRON in about 1 minute, Ethereum in about 3 minutes, and Bitcoin in roughly 20 minutes, with a 20-minute checkout window locking the rate. Crypto balances credit instantly on confirmation and can be withdrawn to any external wallet. Fiat auto-settlement runs weekly on the Standard plan, with next-business-day settlement available on Enterprise terms, and plugins for WooCommerce, PrestaShop, WHMCS, Magento 2, OpenCart, Shopware, and Wix. 

Feature Area	Key Capabilities
Confirmation	Lightning seconds; BTC ~20 min
Fiat Settlement	EUR/USD/GBP (SEPA free, SWIFT 0.5%)
Plugins	WooCommerce, PrestaShop, WHMCS, Magento 2, OpenCart, Shopware, Wix
Recurring	Email invoices with recurring billing
Compliance	MiCA CASP + Payment Institution (LT)
Payout Settlement	Weekly (Standard); next-day (Enterprise)

What Makes CoinGate Different:

• EU license stack. MiCA CASP and Payment Institution licenses from the Bank of Lithuania give regulated businesses a compliant acceptance partner.
• Lightning by default. Bitcoin payments over the Lightning Network settle in seconds at negligible cost.
• Simple published rate card. A flat 1% processing fee with free crypto and SEPA withdrawals makes the total cost easy to model.

Sources:

• CoinGate pricing
• CoinGate for business
• CoinGate company

How to Choose a Payment Gateway for International Trade

Choosing the best international payment gateway depends on your currencies, payment flows, and settlement needs. Use these steps to compare providers:

1. Map your payment flows. Identify customer payments, supplier invoices, payroll, commissions, and refunds.
2. Check country and currency coverage. Confirm support for your markets, currencies, and local payment methods.
3. Choose a settlement method. Compare fiat transfers, stablecoin payments, and custodial balances.
4. Compare total costs. Account for processing fees, FX markups, withdrawals, and subscription charges.
5. Verify settlement speeds. Check actual delivery times and test a transaction before committing.
6. Evaluate mass payouts. Review batch limits, fees, and payout speeds for suppliers and partners.
7. Test reconciliation tools. Look for accounting integrations, CSV exports, and webhooks.

Payment Gateway Fees Compared

Cost structures vary widely, and judging the best payment gateway for international payments on headline rates alone understates total cost. FX markups, withdrawal fees, and settlement timing all change what a trading business actually pays.

Provider	Platform Fee	Payment Fee	$1,000 Payment Cost Example
NOWPayments	$0	0.3–1%	~3–10
Payoneer	0(29.95/yr if <$2k received)	Up to 3.99% + $0.49 (card)	~$40.39
Wise	$0 (Advanced: $31 one-time)	Conversion from 0.23%	~$2.30 + fixed wire fee
Airwallex	$0 (Explore plan)	2.80% + $0.30 (US domestic card)	~$28.30
CoinGate	$0	1% flat (crypto)	~$10

*Rates are based on publicly available pricing pages and may vary by volume, verification level, and settlement method. Verify current fees directly with each provider.

Total Cost Analysis

The best payment gateway for international transactions on paper can still lose money to FX markups, withdrawal fees, and settlement delays.

NOWPayments: 1% on single-currency deposits and 1.5% on multi-currency deposits, with rates from 0.3% for eligible partners. Payouts carry a 0% service fee, and eligible ChangeNOW Pro email payouts also have $0 network fees.

Payoneer: Local-currency receiving is free, but card receipts cost up to 3.99% + $0.49 and conversion runs 0.5–2% above mid-market. Accounts receiving under $2,000 per year pay a $29.95 annual fee. 

Wise: Conversion from 0.23% with no monthly fee keeps costs low on bank-rail flows, though receiving USD wires costs $6.11 fixed. Card acceptance is no longer available to new customers. International payments for business on Wise now run on bank rails.

Airwallex: 2.80% + $0.30 on US domestic cards pairs with free local-rail payouts, but international cards at 4.30% + $0.30 raise costs on cross-border card flows.

CoinGate: A 1% flat fee with free crypto and SEPA withdrawals is competitive, but weekly fiat settlement on the Standard plan delays cash conversion. Its 1% flat fee still makes CoinGate a low-cost option for EU settlement.

How International Payment Costs Scale with Volume

As transaction volume grows, even small differences in percentage fees become significant. At $1 million in monthly volume, a 1% rate represents $10,000, while a 2.8% rate reaches $28,000 before additional charges.

The chart below illustrates how selected percentage-based fees scale across five international payment providers. Fixed transaction charges, FX markups, and withdrawal costs are excluded.

Crypto-First vs. Fiat-First Gateways

The providers in this comparison fall into two broad rail families. Picking the best payment gateway for international transactions starts with choosing between bank rails and digital-asset settlement.

Crypto-first (blockchain and stablecoin rails):

• NOWPayments
• CoinGate

Crypto-first international payment services settle on-chain around the clock, enabling near-instant cross-border transfers on weekends and holidays when banks are closed. 

Fiat-first (traditional bank and card rails):

• Payoneer
• Wise
• Airwallex

Fiat-first gateways handle international payments for business through bank accounts, cards, and local payment networks. 

When to Choose Each Payment Gateway for International Trade: Decision Framework

Match international payment providers to your buyer base, supplier network, volume, and compliance needs. 

Choose NOWPayments if you:

• Need crypto payments, conversions, custody, and treasury tools in one platform.
• Want cross-border mass payouts with 0% service fees.
• Need 24/7 settlement, stablecoin support, and compliance guidance.

Choose Payoneer if you:

• Receive marketplace payments or international client payments through local accounts.
• Need bank payouts to 190+ countries.
• Want working capital based on transaction history.

Choose Wise if you:

• Prefer bank transfers with mid-market FX rates and fees from 0.23%.
• Need batch payments to up to 1,000 recipients without monthly fees.
• Don’t require card payment acceptance.

Choose Airwallex if you:

• Need payment acceptance and multi-currency treasury in one platform.
• Want T+1 card settlement and fast international payouts.
• Need corporate cards and expense management tools.

Choose CoinGate if you:

• Need MiCA-licensed crypto payment processing in the EU.
• Want Bitcoin Lightning payments with EUR, USD, or GBP settlement.
• Can work with weekly fiat settlements on a standard plan.