A payment gateway is a technology that enables businesses to accept online payments by securely handling the entire payment process, from card payment authorization to digital payment confirmation. In the Belgian payment landscape, a payment gateway connects customers, banks, and payment providers to support electronic payment methods such as credit and debit cards, bank transfer, mobile payment, and local payment methods. As online shopping grows, businesses in Belgium rely on secure payment gateways to offer a smooth payment experience across desktop and mobile app environments. A modern payment gateway in Belgium must support multiple payment options, comply with the Payment Services Directive, and ensure efficient, secure transactions in a well-developed payment system.
NOWPayments is the top payment gateway provider on our list because it delivers a reliable payment solution that combines local and global payment capabilities with advanced digital payment technology. It allows businesses in Belgium to accept payments using various payment methods and currencies, making it ideal for companies that need an international payment platform alongside modern electronic payment options. As a secure payment gateway and payment processor, NOWPayments supports efficient payment flows, diverse payment methods, and global payment access while remaining easy to integrate. For businesses in Belgium looking to choose the best payment gateway, NOWPayments stands out as a top payment gateway in Belgium thanks to its flexibility, scalability, and future-ready payment platform.
Choosing the right payment gateway matters more than ever in 2025 for Belgium, as the country combines strong local payment preferences with growing cross-border e-commerce. Belgian consumers expect fast, secure, and familiar payment options such as Bancontact, cards, and digital wallets. At the same time, businesses must comply with EU regulations like PSD2 while keeping transaction costs under control. A well-chosen gateway improves conversion rates, reduces friction at checkout, and allows merchants to scale efficiently in a competitive digital market.
Here’s a list of the best payment gateways for Belgium:
- NOWPayments
- Stripe
- Adyen
- PayPal
- 2Checkout
What We Considered When Choosing the Best Payment Gateway: Our Selection Criteria
To ensure an unbiased and practical comparison, we evaluated each payment gateway based on features that are most critical for businesses operating in Belgium. Our goal was to identify payment solutions that align with the Belgian payment landscape, support both local and global transactions, and deliver a reliable, efficient payment experience for merchants and their customers.
- Payment Method Support: The ability to support local payment methods in Belgium such as Bancontact, as well as cards, bank transfers, mobile payments, and global payment options, ensuring merchants can accept payments from a wide customer base.
- Transaction Fees: Transparent and competitive pricing structures that directly impact profitability, especially important for businesses in Belgium processing high volumes of online payments.
- Transaction Speed: Fast payment processing and settlement times that improve cash flow and enhance the overall digital payment experience for both merchants and customers.
The comparative table below summarizes how each gateway performs in these three decisive categories, which we will explore in detail for each provider.
| Payment Gateway | Payment Method Support | Transaction Fees | Transaction Speed |
| NOWPayments | 350+ supported cryptocurrencies | 0.5% standard fee; up to 1% for fixed-rate or multi-currency options | ~5 minutes average transaction time |
| Stripe | 125+ payment methods (cards, Bancontact, wallets, SEPA) | Bancontact: 1.4% + €0.25 per transaction | First payout in 7–14 days; instant payouts ~30 minutes |
| Adyen | 250+ global and local payment methods | Cards (EU): ~0.95% + €0.11 per transaction | Standard payout delay: 2 business days |
| PayPal | Available in 200+ markets, 130+ currencies | 3.4% + fixed fee per transaction (Belgium) | Instant transfers in minutes; standard payouts 3–5 business days |
| 2Checkout (Verifone) | 45+ payment methods, 100+ billing currencies | 3.5% + $0.35 per successful transaction | Payouts weekly, bi-weekly, or monthly (plan-based) |
NOWPayments
NOWPayments is the best cryptocurrency payment gateway that allows businesses to accept digital assets while maintaining full control over their funds. It is considered an ideal payment gateway for businesses in Belgium that want a secure payment gateway supporting modern digital payment solutions. Designed for both local and global use, it fits perfectly into the evolving payment landscape in Belgium, where companies increasingly look beyond traditional card payments. As a reliable payment gateway and payment processor, NOWPayments helps businesses in Belgium choose the best payment solution for international transactions and the future of payments in Europe.
Supported Payment Methods. NOWPayments enables businesses to accept payments using cryptocurrencies, offering a diverse payment environment that goes beyond traditional local payment methods like credit cards in Belgium. With support for hundreds of digital assets, it allows companies to offer multiple payment options and serve customers using widely used payment methods across borders. Stablecoin support ensures efficient payment processing while reducing volatility, making it suitable for businesses that need predictable transactions in Belgium and internationally. This makes NOWPayments a strong alternative payment solution within the payment system in Belgium, especially for merchants seeking local and global payment gateways.
- Number of Currencies: 350+ cryptocurrencies
- Stablecoins: ✅ USDT, USDC, DAI
- Traditional Cards: ❌
- Digital Wallets: ❌
- Bank Transfer: ❌
Transaction Fees. NOWPayments offers transparent and competitive pricing, positioning it as one of the best payment solutions in Belgium for cost-efficient digital transactions. Its low processing fees make it attractive for companies in Belgium that want to choose the best payment gateway without high overhead. The absence of setup and monthly fees supports startups and established businesses alike across different industries in Belgium. Optional conversion features add flexibility for merchants managing different currencies and payment methods.
- Processing Fee: 0.5% (crypto payments)
- Monthly/Setup Fee: ❌ None
- Conversion Fee: Up to 0.5% (optional auto-conversion)
- International Fee: ❌ None
Transaction Speed & Settlement. NOWPayments is built for fast and efficient payment processing, supporting near-instant digital payment settlement once blockchain confirmation is complete. Transactions in Belgium and globally are processed continuously, making it a strong choice for businesses that require 24/7 payment availability. Funds are accessible almost immediately, which improves cash flow and overall payment experience. This speed makes NOWPayments one of the top payment gateways in Belgium for businesses prioritizing efficiency and uninterrupted operations.
- Payment Processing: ~5 minutes (average)
- Funds Availability: Near-instant after confirmation
- Payout to Bank: ❌ Not applicable (crypto settlement)
- 24/7 Operation: ✅
Stripe
Stripe is a globally recognized payment gateway and one of the most widely used payment processors by businesses in Belgium. It stands out in the Belgian payment environment for its strong support of local payment methods, including Bancontact, which is a preferred payment method with millions of users. Stripe supports both local and global payment methods, making it suitable for online shopping and international payment scenarios. It is a reliable payment gateway for companies in Belgium that need scalable, compliant, and efficient payment solutions.
Supported Payment Methods. Stripe supports a wide range of payment methods and currencies, covering most top payment methods in Belgium. Businesses can accept credit and debit card payments, bank transfers, and digital wallets through a single payment aggregation platform. This flexibility helps merchants offer the right payment options to their customers. Stripe fits well into the well-developed payment system in Belgium.
- Number of Currencies: 135+ currencies
- Stablecoins: ❌
- Traditional Cards: ✅ Visa, Mastercard, American Express
- Digital Wallets: ✅ Apple Pay, Google Pay
- Bank Transfer: ✅ SEPA, Bancontact
Transaction Fees. Stripe applies a clear per-transaction pricing model that aligns with Belgian and European payment regulations. Fees depend on the used payment method, with local payment methods like Bancontact priced competitively. There are no setup or monthly costs, supporting efficient payment management. This structure suits growing businesses in Belgium that want predictable expenses.
- Processing Fee: 1.4% + €0.25 (Bancontact)
- Monthly/Setup Fee: ❌ None
- Conversion Fee: 2%
- International Fee: +1%
Transaction Speed & Settlement. Stripe delivers instant payment authorization and stable settlement schedules. While initial payouts may take longer, ongoing transactions in Belgium are settled regularly. Instant payouts are available for eligible businesses. This reliability makes Stripe a popular payment solution in the Belgian market.
- Payment Processing: Instant authorization
- Funds Availability: 2–7 days
- Payout to Bank: 2 business days
- 24/7 Operation: ✅
Adyen
Adyen is an enterprise-grade payment orchestration platform designed for large and fast-growing companies in Belgium. It unifies online, mobile, and in-store payments into one platform, supporting the complex payment landscape in Belgium. Adyen is especially strong in offering top local payment methods alongside global payment options. This makes it an ideal payment gateway for businesses operating at scale.
Supported Payment Methods. Adyen supports a broad mix of local and global payment methods, including cards in Belgium and methods like Bancontact. Its coverage across countries allows merchants to accept payments directly from customers’ banks where applicable. This diversity improves payment acceptance and trust. Adyen is well suited for companies needing advanced payment orchestration.
- Number of Currencies: 150+ currencies
- Stablecoins: ❌
- Traditional Cards: ✅ Visa, Mastercard, Amex
- Digital Wallets: ✅ Apple Pay, Google Pay
- Bank Transfer: ✅ SEPA, Bancontact
Transaction Fees. Adyen uses an interchange-plus pricing model suitable for high-volume merchants. Fees vary based on payment method and region, offering transparency for enterprise businesses. There are no setup fees, though minimum invoices may apply. This structure fits businesses with predictable transaction volumes.
- Processing Fee: ~0.95% + €0.11
- Monthly/Setup Fee: ❌ None
- Conversion Fee: Varies
- International Fee: Varies
Transaction Speed & Settlement. Adyen provides fast authorization and consistent settlement cycles. Most transactions in Belgium are settled daily or within two business days. This ensures reliable cash flow. The platform supports continuous payment operations.
- Payment Processing: Instant
- Funds Availability: 1–2 days
- Payout to Bank: 2 business days
- 24/7 Operation: ✅
PayPal
PayPal is one of the most widely used payment platforms in the world and a familiar payment method in Belgium. It is trusted for secure electronic payment and buyer protection. PayPal works well as an additional payment option alongside local payment gateways. It is especially popular for international payment and online shopping.
Supported Payment Methods. PayPal allows payments through balances, linked bank accounts, and credit and debit cards. This makes it a widely used payment method among Belgian consumers. Its strength lies in global reach rather than local bank-based methods. PayPal complements other payment solutions in Belgium.
- Number of Currencies: 130+ currencies
- Stablecoins: ❌
- Traditional Cards: ✅ Visa, Mastercard
- Digital Wallets: ✅ PayPal Wallet
- Bank Transfer: ✅ Linked bank accounts
Transaction Fees. PayPal’s fees are higher compared to many local payment methods in Belgium. Pricing includes percentage-based and fixed fees. There are no setup costs. This makes PayPal suitable as a secondary payment option.
- Processing Fee: 3.4% + fixed fee
- Monthly/Setup Fee: ❌ None
- Conversion Fee: ~4%
- International Fee: Included
Transaction Speed & Settlement. PayPal processes payments instantly into the merchant’s PayPal balance. Bank withdrawals take additional time depending on the chosen method. This offers flexibility for managing funds. PayPal operates continuously.
- Payment Processing: Instant
- Funds Availability: Instant (PayPal balance)
- Payout to Bank: 1–5 business days
- 24/7 Operation: ✅
2Checkout (Verifone)
2Checkout is a global payment gateway focused on international and digital commerce. It helps Belgian businesses accept payments across multiple countries with localized checkout experiences. The platform also manages tax and compliance requirements. It is suitable for companies prioritizing cross-border sales over local optimization.
Supported Payment Methods. 2Checkout supports card payments and alternative methods across many regions. Its strength lies in international coverage rather than local Belgian payment methods. This makes it useful for businesses selling globally. It fits into a broader international payment environment.
- Number of Currencies: 100+ currencies
- Stablecoins: ❌
- Traditional Cards: ✅ Visa, Mastercard
- Digital Wallets: ❌
- Bank Transfer: ❌
Transaction Fees. 2Checkout uses a fixed-fee pricing model depending on the selected plan. Fees are higher than many local gateways but include added services. There are no setup fees. This model works well for international-focused businesses.
- Processing Fee: 3.5% + $0.35
- Monthly/Setup Fee: ❌ None
- Conversion Fee: Included
- International Fee: Included
Transaction Speed & Settlement. Payments are processed instantly, while settlement depends on the selected payout cycle. Merchants can choose weekly, bi-weekly, or monthly payouts. This provides flexibility but slower access to funds. The platform operates continuously.
- Payment Processing: Instant
- Funds Availability: Based on payout cycle
- Payout to Bank: Weekly / bi-weekly / monthly
- 24/7 Operation: ✅
Final thoughts
In this article, we have analyzed the top payment gateways in Belgium, including NOWPayments, Stripe, Adyen, PayPal, and 2Checkout (Verifone), focusing on how each solution fits into the current payment landscape in Belgium. Each of these providers offers different strengths for businesses in Belgium, from support for local payment methods and card payments to global payment platforms designed for international transactions. Given that Belgium has a well-developed payment system shaped by the Payment Services Directive and evolving digital payment solutions, choosing the right payment gateway is critical for delivering an efficient and secure payment experience.
Among all reviewed options, NOWPayments stands out as the top payment gateway in Belgium for businesses looking beyond traditional cards and bank transfers. Its non-custodial model, support for 350+ cryptocurrencies, low transaction fees, and fast transaction speed make it a secure and reliable payment gateway for companies operating in a diverse and competitive payment environment. NOWPayments enables businesses to accept payments in Belgium and globally, offering multiple payment options, broad currency coverage, and uninterrupted 24/7 payment processing.