A payment gateway is a technology that lets businesses accept payments online. It does this by safely handling everything from checking that the card is valid to confirming the payment. A payment gateway in Belgium connects customers, banks, and payment providers so that people can pay with credit and debit cards, bank transfers, mobile payments, and other local ways to pay. As more people shop online, Belgian businesses need safe payment gateways to make sure that payments go through smoothly on both desktop and mobile apps. A modern payment gateway in Belgium must have a payment system that is easy to use, supports a wide range of payment methods, follows the Payment Services Directive, and makes transactions quick and safe.
NOWPayments is the best payment gateway on our list because it has a reliable payment system that uses the most up-to-date digital payment technology and lets you pay in your own country and around the world. It lets businesses in Belgium accept payments in a variety of currencies and methods. This is great for businesses that need both a modern electronic payment platform and an international payment platform. NOWPayments is a safe payment gateway and processor that makes it easy for people from all over the world to pay in a number of ways. It also goes well with other things. NOWPayments is one of the best payment gateways for businesses in Belgium. This is because it can change, grow, and be used again in the future.
Choosing the right payment gateway matters more than ever in 2026 for Belgium, as the country combines strong local payment preferences with growing cross-border e-commerce. Belgian consumers like payment methods that are quick, safe, and easy to use, like Bancontact, cards, and digital wallets. Businesses also have to follow EU rules like PSD2 and keep transaction costs low. A good gateway helps businesses grow quickly in a competitive digital market by making it easier to check out, raising conversion rates, and more.
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 table below shows how well each gateway does in these three important areas. We will go into more detail about each provider in the next part.
| 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 payment gateway for cryptocurrencies because it lets businesses take digital assets and still have full control over their money. This is the best payment gateway for Belgian businesses that want to use new digital payment methods safely. It was designed to work both locally and globally, and it fits perfectly into Belgium’s changing payment landscape, where businesses want more than just regular card payments. NOWPayments is a safe payment processor and gateway that helps Belgian businesses find the best way to pay for things online and for the future of payments in Europe.
Supported Payment Methods. NOWPayments has made it possible for businesses in Belgium to accept payments in cryptocurrencies. This gives them more ways to pay than just with credit cards. It works with hundreds of digital assets, so businesses can accept payments in a variety of ways and serve customers from all over the world using the same payment methods. Stablecoins speed up payments and make them less volatile, which is good for businesses that need to make sure their transactions are always the same in Belgium and around the world. This is why NOWPayments is a great choice for Belgium’s payment system, especially for businesses that want to accept payments from both local and international customers.
- Number of Currencies: 350+ cryptocurrencies
- Stablecoins: ✅ USDT, USDC, DAI
- Traditional Cards: ❌
- Digital Wallets: ❌
- Bank Transfer: ❌
Transaction Fees. NOWPayments has clear and fair prices, which makes it one of the best ways to pay for digital transactions in Belgium that do not cost too much. It has low processing fees, so it is a good option for Belgian businesses that want to find the best payment gateway without spending a lot of money. Businesses in Belgium, no matter how old or new they are or what industry they are in, benefit from not having to pay setup or monthly fees. Optional conversion features give merchants more options for dealing with 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 to handle payments quickly and well. It can settle digital payments almost right away after the blockchain confirmation is done. Belgium is a great place for businesses that need payments to be available all the time because it processes transactions all the time. You can get your money almost right away, which speeds up the payment process and improves cash flow. NOWPayments is one of the best payment gateways in Belgium for businesses that want to be quick and keep things running smoothly.
- 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 well-known payment gateway that many businesses in Belgium use to process payments. It stands out in Belgium’s payment landscape because it strongly supports local payment methods, like Bancontact, which is a popular way to pay that millions of people use. Stripe works with both local and international payment methods, so it is great for buying things online and paying for things from other countries. It is a reliable payment gateway for Belgian businesses that need payment solutions that are compliant, work well, and can grow with them.
Supported Payment Methods. Stripe works with a lot of different currencies and payment methods, so it covers most of the most common ones in Belgium. Businesses can accept payments from credit and debit cards, bank transfers, and digital wallets all in one place with a single payment aggregation platform. This flexibility lets businesses give their customers the best options for paying. Stripe works well with Belgium’s payment system, which is already very advanced.
- 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’s pricing for each transaction is clear and follows the rules for payments in Belgium and Europe. The fees depend on how you pay, and local payment methods like Bancontact are not too expensive. Payments are easy to make because there are no setup or monthly fees. This structure is good for Belgian businesses that want to know how much they will have to pay every month.
- Processing Fee: 1.4% + €0.25 (Bancontact)
- Monthly/Setup Fee: ❌ None
- Conversion Fee: 2%
- International Fee: +1%
Transaction Speed & Settlement. Stripe lets you approve payments right away and tells you when they will be settled. It may take longer to get your first payment, but payments in Belgium are always on time. Companies that meet the requirements can get paid right away. Stripe is a very reliable way for a lot of people in Belgium to pay.
- Payment Processing: Instant authorization
- Funds Availability: 2–7 days
- Payout to Bank: 2 business days
- 24/7 Operation: ✅
Adyen
Adyen is a way for big and fast-growing businesses in Belgium to handle payments. It brings together payments made online, on a mobile device, and in a store into one platform, which makes Belgium’s payment system work better. Adyen is great at giving customers payment options that work in their area and around the world. This is why it is the best payment gateway for businesses that do a lot of business.
Supported Payment Methods. Adyen lets you pay in a lot of different ways, both in your area and all over the world. You can use cards and services like Bancontact in Belgium, for example. In some countries, merchants can take payments directly from customers’ banks because it works in so many of them. This variety makes it easier to get paid and makes people trust you. Adyen is a good choice for businesses that need to handle payments in a more advanced way.
- Number of Currencies: 150+ currencies
- Stablecoins: ❌
- Traditional Cards: ✅ Visa, Mastercard, Amex
- Digital Wallets: ✅ Apple Pay, Google Pay
- Bank Transfer: ✅ SEPA, Bancontact
Transaction Fees. Businesses that do a lot of business will benefit from Adyen’s interchange-plus pricing model. It is clear for big companies that the fees depend on the payment method and the area. You do not have to pay anything to set up, but there may be minimum invoices. This structure works well for businesses that do a lot of business on a regular basis.
- Processing Fee: ~0.95% + €0.11
- Monthly/Setup Fee: ❌ None
- Conversion Fee: Varies
- International Fee: Varies
Transaction Speed & Settlement. Adyen quickly approves transactions and settles them on a regular basis. In Belgium, most transactions are finished on the same day or within two business days. This makes sure that the money coming in and going out stays the same. You can process payments on an ongoing basis with the platform.
- Payment Processing: Instant
- Funds Availability: 1–2 days
- Payout to Bank: 2 business days
- 24/7 Operation: ✅
PayPal
PayPal is a well-known way to pay in Belgium and one of the most popular ways to pay in the world. People trust it to keep their money safe when they buy things online. PayPal is a good extra way to pay that works well with payment gateways in your area. Buying things online and sending money to other countries is very common.
Supported Payment Methods. You can pay with your PayPal balance, your linked bank accounts, or your credit or debit cards. A lot of people in Belgium use it to buy things for this reason. It has power because it can reach people all over the world, not just in local banks. In Belgium, PayPal works well with other payment methods.
- Number of Currencies: 130+ currencies
- Stablecoins: ❌
- Traditional Cards: ✅ Visa, Mastercard
- Digital Wallets: ✅ PayPal Wallet
- Bank Transfer: ✅ Linked bank accounts
Transaction Fees. PayPal costs more than many other ways to pay in Belgium. Prices include fees that are either set or based on a percentage. Getting started does not cost anything. So, PayPal is a good backup payment method.
- Processing Fee: 3.4% + fixed fee
- Monthly/Setup Fee: ❌ None
- Conversion Fee: ~4%
- International Fee: Included
Transaction Speed & Settlement. With PayPal, payments go straight to the merchant’s PayPal account. It may take longer to get your money out of the bank depending on how you choose to do it. This gives you more options for how to use your money. PayPal is always open.
- Payment Processing: Instant
- Funds Availability: Instant (PayPal balance)
- Payout to Bank: 1–5 business days
- 24/7 Operation: ✅
2Checkout (Verifone)
2Checkout is a payment gateway that works all over the world and is helpful for both online and international businesses. It helps Belgian companies get paid by customers in other countries by giving them a checkout process that is different from other stores. The platform also takes care of taxes and other legal obligations. It works well for businesses that want to focus on selling goods and services across borders instead of making their operations better at home.
Supported Payment Methods. You can use 2Checkout to pay with a card or other methods at a lot of places. The best thing about it is that it can process payments from anywhere in the world, not just Belgium. This is helpful for businesses that sell things all over the world. It fits in with the bigger picture of how people pay each other all over the world.
- Number of Currencies: 100+ currencies
- Stablecoins: ❌
- Traditional Cards: ✅ Visa, Mastercard
- Digital Wallets: ❌
- Bank Transfer: ❌
Transaction Fees. 2Checkout uses a fixed-fee pricing model, but the amount you pay depends on the plan you choose. The fees are higher than those of many local gateways, but they include extra services. There are no costs to set up. This model is good for companies that do business all over the world.
- Processing Fee: 3.5% + $0.35
- Monthly/Setup Fee: ❌ None
- Conversion Fee: Included
- International Fee: Included
Transaction Speed & Settlement. Payments are processed right away, but how long it takes to settle depends on the payout cycle you choose. Merchants can choose to get paid once a week, every other week, or once a month. You have more choices with this, but it takes longer to get your money. The platform is always on.
- 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.