A payment gateway is a technology that enables businesses to accept online settlements by securely transmitting encrypted transaction data between customers, merchants, and financial institutions. It processes transactions in real-time while verifying funds and preventing fraud, supporting methods from credit cards and digital wallets to cryptocurrencies and bank transfers.
The best crypto payment gateway in our rating is NOWPayments because it supports 30+ stablecoins, allowing merchants to serve the widest range of customer preferences. Unlike traditional gateways limited to fiat and card networks, NOWPayments enables businesses to accept Bitcoin, altcoins, and stablecoins through a single integration, removing currency friction for international customers and crypto-savvy tourists. With deposit fees starting at just 0.3% and seamless e-commerce integration, it is the most versatile and cost-effective choice for Greek entrepreneurs in 2026.
In 2026, choosing the right crypto payment gateway is important because the digital economy has shifted consumer expectations toward fast, frictionless online transactions. The right solution improves processing speed, reduces costs by eliminating unnecessary intermediaries, and enhances customer satisfaction by supporting preferred methods.
Here is a list of the best payment gateways for businesses in Greece:
- NOWPayments
- Worldpay
- Adyen
- Everypay
- Viva
What We Considered When Choosing the Best Payment Gateway: Our Selection Criteria
Our goal in creating this comparison is to provide an unbiased overview based on features that are critical for businesses in Greece. We focused on identifying the most relevant criteria that align with the specific needs of Greek companies and their customers.
- Supported Assets: Essential for businesses looking to diversify the payment options they offer, especially those wanting to accept both traditional and digital currencies.
- Fees: Directly impacts profitability, making it crucial for businesses to choose a service with competitive pricing and transparent charges.
- Fund Control: Important for businesses that require flexibility in managing customer settlements, ensuring they have control over funds and the transaction process.
The comparative table below summarizes how each gateway performs in these three decisive categories, which we will explore in detail for each provider.
| Provider | Supported Assets | Fees | Fund Control |
| NOWPayments | 30+ stablecoins | Deposits: 0.3%–1%; Withdrawals: 0% for NOW Ecosystem | Custodial |
| Worldpay | 200+ fiat methods, cards, wallets, SEPA; no crypto | ~2.75% + €0.20 per transaction, monthly fees €20–€50 | Custodial (2–3 day settlement) |
| Adyen | 200+ fiat methods, cards, wallets, local methods; no crypto | Interchange++ (~€0.11 + scheme fees), €120 minimum invoice | Custodial (next-day settlement) |
| Everypay | Cards, wallets, SEPA, doseis; no crypto | ~1.5% per transaction, no monthly/setup fee for standard | Custodial (1–2 day settlement) |
| Viva | Cards, wallets, SEPA, Viva Wallet; no crypto | ~1.5% per transaction, no monthly fee, free internal transfers | Custodial (instant within ecosystem) |
NOWPayments
NOWPayments stands out as the best crypto payment gateway for businesses worldwide. It is not just a processor but a complete business ecosystem designed for enterprises seeking to monetize, scale, and operate globally. The platform unifies transaction acceptance, mass payouts, treasury conversions, and wallet infrastructure under one API. NOWPayments prioritizes stablecoin liquidity, treasury automation, and cross-border settlement. For businesses seeking innovative payment solutions beyond traditional banking, NOWPayments delivers a comprehensive infrastructure designed for modern digital commerce.
Supported Assets. NOWPayments supports an extensive portfolio of digital assets that exceeds what most companies offer in the European market. Merchants gain access to 30+ stablecoins such as USDT across multiple blockchains, USDC, DAI, and BUSD through this advanced provider. This broad coverage of online payment methods ensures Greek businesses can serve crypto-savvy tourists, remote workers, and international clients without currency friction.
| Asset Category | Details |
| Stablecoins | 30+ including USDT (ERC-20, TRC-20, BEP-20), USDC, DAI, BUSD |
| Fiat Support | Conversion available through integrated partners |
| Coverage | Global including EU and Greece |
Fees. NOWPayments structures its pricing as one of the most competitive options for digital asset transactions in Europe. Deposit fees range from just 0.3% to 1%, making this processor significantly cheaper than traditional card processors for cryptocurrency settlements. The platform charges zero withdrawal fees when using NOW Ecosystem email-based transfers to ChangeNOW Pro wallets. With no monthly fees, setup costs, or hidden charges, NOWPayments offers transparent payment solutions for businesses of every size.
| Fee Type | Amount | Note |
| Deposit Fee | 0.3%–1% | For cryptocurrency deposits |
| Withdrawal Fee (NOW Ecosystem) | 0% | Email-based transfers to ChangeNOW Pro wallets |
Fund Control. NOWPayments operates on a custodial model where the provider manages transaction processing and fund handling on behalf of merchants. This payment architecture allows Greek businesses to benefit from streamlined settlement without managing complex private key infrastructure themselves. Merchants access funds through the dashboard and execute withdrawals via email-based transfers to ChangeNOW Pro wallets at no additional cost. The custodial approach combines professional fund management with the flexibility of the broader NOW ecosystem for secure solutions.
| Fund Control Aspect | Status |
| Custody Model | Custodial |
| Withdrawal Method | Payouts to ChangeNOW Pro wallets |
| Withdrawal Fee | 0% within NOW Ecosystem |
| Access Speed | Standard settlement through platform |
Worldpay
Worldpay ranks among the largest processors globally, facilitating card transactions for millions of merchants across retail and e-commerce. This established payment provider delivers end-to-end acceptance, including merchant acquiring, gateway services, and risk management tools. Through POS terminals, hosted checkout pages, and recurring billing, Worldpay offers comprehensive payment platforms for established enterprises. Greek businesses seeking reliable traditional solutions benefit from its extensive banking partnerships and multicurrency capabilities.
Supported Assets. Worldpay facilitates transactions across more than 200 methods globally, encompassing major credit and debit card networks, digital wallets, and regional bank transfer schemes. The platform processes settlements in over 120 currencies, enabling Greek merchants to accept international orders without forcing customers to convert funds manually. However, Worldpay does not support cryptocurrency acceptance, which means businesses cannot receive Bitcoin, Ethereum, or stablecoin settlements through this service. For merchants whose customers rely exclusively on traditional financial instruments, this extensive fiat coverage provides sufficient versatility.
| Asset Category | Details |
| Cryptocurrencies | Not supported |
| Traditional Cards | Visa, Mastercard, Amex, Diners Club, JCB, UnionPay |
| Digital Wallets | Apple Pay, Google Pay, Samsung Pay |
| Bank Transfers | SEPA, SWIFT, ACH |
| Currencies | 120+ for processing and settlement |
Fees. Worldpay typically charges approximately 2.75% plus €0.20 per transaction for small business accounts, though exact rates depend on contract negotiations and volume. In addition to per-transaction costs, most plans require monthly maintenance charges ranging from €20 to €50, plus potential setup fees reaching €200. The pricing structure includes additional costs for chargeback handling, premium support tiers, and PCI compliance maintenance. While the company provides detailed schedules to signed merchants, the complexity of its tiered payment solutions model makes it challenging for Greek businesses to predict exact costs.
| Fee Type | Amount | Note |
| Transaction Fee | ~2.75% + €0.20 | Per transaction for small business |
| Monthly Fee | €20–€50 | Varies by plan tier |
| Setup Fee | €0–€200 | Depends on contract negotiation |
| Chargeback Fee | €15–€25 | Per disputed transaction |
Fund Control. Worldpay operates on a fully custodial model where funds remain under the platform’s control throughout the entire transaction lifecycle from authorization through settlement. Merchants cannot access revenue until Worldpay releases funds to designated bank accounts after approval. Settlement typically occurs within two to three business days, requiring businesses to plan cash flow around holding periods. While the provider offers detailed reporting tools, the mandatory delays make this payment gateway less ideal for businesses needing rapid access to funds.
| Fund Control Aspect | Status |
| Custody Model | Fully custodial |
| Settlement Time | 2–3 business days |
| Fund Access | Through bank account only after release |
| Hold Period | Standard holding until settlement |
Adyen
Adyen functions as a unified global platform that consolidates online, mobile, and in-person processing into one technical infrastructure. Headquartered in Amsterdam, this payment gateway provider offers direct acquiring across multiple regions without requiring separate local bank relationships. Its solutions include revenue optimization tools, real-time reporting, and machine learning-powered fraud prevention for growing businesses. As one of the best options for online business, Adyen appeals to fast-growing companies requiring scalable omnichannel platforms.
Supported Assets. Adyen processes transactions through more than 200 methods spanning cards, digital wallets, bank transfers, and locally preferred instruments across Europe, Asia, and the Americas. The platform enables merchants to accept settlements in over 30 currencies with automatic conversion directly to Greek accounts. Coverage includes Visa, Mastercard, American Express, Apple Pay, Google Pay, PayPal, iDEAL, Sofort, Bancontact, Giropay, and SEPA transfers. Despite its global reach, this provider does not offer native cryptocurrency processing, limiting online payment methods for crypto-focused merchants.
| Asset Category | Details |
| Cryptocurrencies | Not supported |
| Traditional Cards | Visa, Mastercard, Amex, Maestro, UnionPay |
| Digital Wallets | Apple Pay, Google Pay, PayPal |
| Local Methods | iDEAL, Sofort, Bancontact, Giropay, SEPA |
| Currencies | 30+ for processing and settlement |
Fees. Adyen utilizes an interchange-plus-plus pricing model that breaks costs into interchange fees, scheme fees, and processing markup. This transparent approach typically results in costs around €0.11 plus scheme fees and a small margin per transaction. While the platform charges no monthly fees or setup costs, it imposes a minimum monthly invoice of approximately €120. Low-volume merchants must pay the difference if transaction fees fall below this threshold, making Adyen better suited to established businesses.
| Fee Type | Amount | Note |
| Transaction Fee | Interchange++ | ~€0.11 + scheme fees + markup |
| Minimum Invoice | €120/month | If transaction fees are lower |
Fund Control. Adyen employs a custodial fund management system where transactions are processed through licensed banking infrastructure before settlement to merchant accounts. Funds remain under the platform’s control during the lifecycle with standard settlement on the next business day. This custodial model requires merchants to rely on Adyen’s financial systems for fund security and availability. Greek businesses must factor this one-day settlement into cash flow planning, as immediate access to payment proceeds is not available.
| Fund Control Aspect | Status |
| Custody Model | Fully custodial |
| Settlement Time | Next business day |
| Fund Access | Through bank settlement only |
| Regulatory Oversight | Licensed payment institution |
Everypay
Everypay serves as a Greece-focused payment gateway specializing in localized infrastructure for domestic and international card networks. This provider offers online acceptance, physical POS terminals, and installment processing tailored to Greek consumer behavior. With deep integration into the Greek banking system and native-language support, Everypay delivers payment solutions designed specifically for local merchants. Support for popular doseis plans makes this platform ideal for businesses selling higher-ticket items to Greek customers.
Supported Assets. Everypay focuses on traditional channels that dominate the Greek consumer market through major card networks and digital wallets. The platform supports Visa, Mastercard, American Express, and Diners Club alongside Apple Pay and Google Pay for mobile-first customers. Everypay also facilitates Greek installment plans known as doseis, a unique method that drives higher conversion rates for expensive goods. However, this provider does not support cryptocurrency acceptance, limiting online payment methods for businesses seeking crypto solutions.
| Asset Category | Details |
| Cryptocurrencies | Not supported |
| Traditional Cards | Visa, Mastercard, Amex, Diners Club |
| Digital Wallets | Apple Pay, Google Pay |
| Local Methods | Doseis (installments), SEPA |
| Currencies | 20+ primarily EUR-focused |
Fees. Everypay offers competitive pricing for the Greek market with typical charges around 1.5% per transaction for standard card settlements. Volume-based discounts are available for higher-processing merchants using this local payment gateway. The platform imposes no setup fees or monthly maintenance charges for basic accounts, making it accessible to startups. Additional costs of 0.5% to 1.0% apply when customers select doseis installment plans at checkout.
| Fee Type | Amount | Note |
| Transaction Fee | ~1.5% | For card payments |
| Installment Fee | +0.5–1.0% | For doseis transactions |
Fund Control. Everypay utilizes a custodial processing model where funds are held during authorization and settlement before transfer to merchant accounts at major Greek banks. The platform typically completes settlement within one to two business days, providing faster access than many international competitors. As a regulated institution overseen by the Bank of Greece, this gateway maintains strict fund handling controls. Merchants rely on its infrastructure during the brief holding period, with domestic regulatory framework providing additional assurance for secure payment processing.
| Fund Control Aspect | Status |
| Custody Model | Fully custodial |
| Settlement Time | 1–2 business days |
| Fund Access | To Greek bank accounts |
| Regulatory Oversight | Bank of Greece regulated |
Viva
Viva operates through Viva Wallet to deliver an integrated financial ecosystem combining processing with business banking across Europe. This payment provider issues business accounts with local IBANs, physical and virtual cards, and online gateway services alongside POS hardware. The vertically integrated approach reduces third-party relationships by enabling payroll, supplier settlements, and expense management within one payment platform. With strong penetration in Greece, Viva Wallet offers solutions that blend local banking convenience with European scalability.
Supported Assets. Viva Wallet enables businesses to accept settlements through major card networks, digital wallets, and SEPA transfers across the European Economic Area. The platform supports multiple currencies while settling primarily in EUR with instant transfers between Viva Wallet accounts. Viva’s ecosystem includes proprietary instruments such as business accounts with Greek IBANs for receiving, holding, and spending funds. Despite comprehensive fiat coverage, this provider does not currently support cryptocurrency transactions through its payment gateway service.
| Asset Category | Details |
| Cryptocurrencies | Not supported |
| Traditional Cards | Visa, Mastercard, Amex, Maestro |
| Digital Wallets | Apple Pay, Google Pay, Samsung Pay |
| Local Methods | SEPA, instant transfers, Viva Wallet P2P |
| Currencies | 10+ EUR primary for Greece |
Fees. Viva Wallet charges approximately 1.5% per transaction for online card settlements with no monthly maintenance fees for basic business accounts. Transfers between Viva Wallet accounts occur instantly and without fees, creating cost-effective payment solutions for ecosystem users. Withdrawals to external Greek or EU bank accounts incur modest costs ranging from €1 to €3 per transfer. Physical POS terminal leases cost between €0 and €29 monthly depending on the hardware plan selected by the merchant.
| Fee Type | Amount | Note |
| Transaction Fee | ~1.5% | For online card payments |
| Viva-to-Viva Transfer | 0% | Free |
Fund Control. Viva Wallet operates under a Bank of Greece license, maintaining a custodial model where funds are held within the platform’s ecosystem. Merchants enjoy instant access to balances for internal transfers, card spending, and operational expenses. For withdrawals to third-party accounts, funds typically become available within one business day through this provider. This custodial structure combines licensed banking oversight with immediate internal fund mobility for Greek businesses seeking reliable payment providers.
| Fund Control Aspect | Status |
| Custody Model | Fully custodial |
| Internal Access | Instant within Viva Wallet ecosystem |
| External Withdrawal | 1 business day |
| Regulatory Oversight | Bank of Greece licensed |
Conclusion
In this review, we analyzed the best payment gateways for online business operating in Greece during 2026, including NOWPayments, Worldpay, Adyen, Everypay, and Viva. Each provider offers distinct advantages, from Worldpay’s global reach and Adyen’s enterprise capabilities to Everypay’s local expertise and Viva’s banking integration.
NOWPayments distinguishes itself not as a simple gateway but as a comprehensive business ecosystem built for enterprise scalability. With stablecoin-first treasury infrastructure, under-one-second email payouts, and mass settlement automation, it serves as a strategic infrastructure partner rather than a basic processor. Beyond transaction rails, the platform offers compliance guidance, tax operational support, and integrated conversion workflows that empower Greek businesses to monetize globally. For enterprises ready to scale with digital assets, NOWPayments delivers the uptime, velocity, and ecosystem depth required for sustainable growth.