As we move into 2026, the adoption of cryptocurrency payments is rapidly gaining traction worldwide, with businesses recognizing the benefits of offering digital payment solutions. Consumers are increasingly seeking flexible and innovative online payment methods, prompting businesses to embrace cryptocurrency as a legitimate and secure payment option. This shift is driven by factors such as lower transaction fees, faster processing times, and the growing acceptance of cryptocurrencies as a trusted payment method. In Malta, businesses are particularly eager to integrate cryptocurrency payments, partnering with the best payment gateway providers to enhance their payment processing, improve customer satisfaction, and expand their market reach.
NOWPayments stands out as the best payment gateway in Malta, offering an efficient and user-friendly solution for online merchants. With competitive transaction fees, a wide variety of supported cryptocurrencies, and robust security features, NOWPayments is an ideal payment solution for businesses looking to optimize their payment processing. Its seamless integration with popular e-commerce platforms such as Shopify and WooCommerce makes it a reliable choice for businesses of all sizes. Whether you’re just starting or have an established online store, NOWPayments provides the tools and support to elevate payment processing in Malta, ensuring secure and efficient payment solutions for both local and international transactions.
Choosing the right payment gateway in 2026 is crucial for businesses in the digital economy, especially in markets like Malta. A reliable payment gateway provider must offer various payment options, minimize transaction fees, and ensure smooth integration with existing platforms. Additionally, having access to dependable customer support is essential for maintaining efficient payment processing operations. By evaluating these factors, businesses can select the best payment gateway solutions that will enhance their payment methods, streamline online transactions, and foster growth in the evolving e-commerce payment landscape of Malta.
Here is the list of the best payment gateways in Malta in 2026:
- NOWPayments
- Trust Payments
- Stripe
- Fondy
- Viva Wallet
| Payment Gateway | Transaction Fees | Payment Method Support | Integration Ease |
| NOWPayments | 0.5% mono, 1% conversion, volume discounts | 300+ cryptos, 75+ fiat | API, E-commerce plugins, POS, Crypto widgets |
| Trust Payments | 1.5%-2.5% + €0.20-€0.30/card | 30+ methods | APIs, 10+ plugins, POS |
| Stripe | 2.9% + €0.25 (EU), 4.4% + €0.30 (int’l) | 100+ methods, 135+ currencies | APIs, checkout forms, 100+ integrations |
| Fondy | 0.9% + €0.20/European | 300+ methods, no crypto | 30+ plugins, payment links, API |
| Viva Wallet | 0.20% debit, 0.30% credit, +0.40% non-EEA | 30+ methods, 24 countries | Smart Checkout, 30+ plugins, 5-min onboarding |
NOWPayments
In 2026, NOWPayments emerges as the best payment gateway, particularly for businesses in Malta and globally, looking to leverage the growing adoption of cryptocurrencies. Launched in 2019 as part of the ChangeNOW ecosystem, NOWPayments is a non- custodial payment solution with custodial options available that enables secure and efficient payment processing for industries like eCommerce, iGaming, and SaaS. Its custodial model ensures reliable transaction processing, backed by robust security measures such as KYC/AML protocols and advanced encryption. With competitive transaction fees, broad cryptocurrency support, and seamless integration options, NOWPayments provides merchants with a comprehensive payment gateway service that allows them to thrive in the digital economy. Its user-friendly design and all-inclusive features make it a top payment gateway provider for businesses in Malta and beyond.
Transaction Fees. NOWPayments offers highly competitive transaction fees, starting at 0.5% for mono-currency crypto transactions and 1% for transactions requiring currency conversion These rates are significantly lower than traditional payment processors. The non-custodial model with custodial options available ensures secure fund management, while the auto-conversion feature allows merchants to settle in stablecoins or fiat, reducing exposure to crypto volatility and improving cost efficiency for international transactions.
Payment Method Support. NOWPayments supports over 300 cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), stablecoins like USDT, and privacy coins such as Monero (XMR). It also facilitates online payments in 75+ fiat currencies through seamless crypto-to-fiat conversions, allowing merchants to cater to a diverse, global customer base. This extensive support for payment methods makes NOWPayments ideal for industries like iGaming and eCommerce, enabling merchants to accept payments in nearly any cryptocurrency, meeting the demands of international customers.
Integration Ease. NOWPayments excels in integration ease, offering a no-code payment widget for quick website embedding, plugins for popular platforms like WooCommerce, and Magento, as well as a robust API for custom solutions. The payment widget provides seamless checkouts without redirection, improving the online payment experience for customers. Features like customizable invoices and real-time analytics streamline payment processing, making NOWPayments accessible to businesses with minimal technical expertise, while also supporting more complex setups for larger enterprises.
Why NOWPayments is The Best Crypto Payment Gateway in 2026
As we look ahead to 2026, NOWPayments stands out as a leading crypto payment gateway, especially for businesses looking to embrace the digital currency revolution. Its user-friendly interface, competitive transaction fees, and robust security features make it an attractive choice for merchants of all sizes. With the increasing adoption of cryptocurrencies, NOWPayments not only facilitates seamless transactions but also supports a wide range of cryptocurrency payment methods, allowing businesses to cater to a diverse customer base. Additionally, its integration capabilities with various e-commerce platforms and wallets simplify the payment processing process, further enhancing the overall online payment experience. By choosing NOWPayments, businesses in Malta can position themselves at the forefront of the evolving payment gateway market and beyond.
Trust Payments
Trust Payments is a UK-based payment service provider offering a comprehensive suite of payment solutions for businesses seeking to integrate cryptocurrency payments alongside traditional payment methods. In 2026, Trust Payments continues to expand its offerings, enabling merchants to accept both digital currencies and traditional payment methods, enhancing their payment processing capabilities. Designed to support various industries, including e-commerce, gaming, and travel, Trust Payments ensures a seamless payment experience for both businesses and their customers.
Transaction Fees. Trust Payments offers competitive transaction fees for digital payment processing, allowing merchants to benefit from transparent and flexible pricing. The payment gateway supports multiple payment methods with a focus on efficiency for online transactions and international payments, offering an attractive option for businesses looking to minimize payment processing costs.
Payment Method Support. Trust Payments supports over 30 payment methods, including major credit and debit card payments (Visa, Mastercard, American Express), digital wallets (Google Pay, Apple Pay, PayPal), and local European payment schemes such as SEPA and iDeal. This payment gateway solution provides merchants with a variety of payment options, allowing them to cater to local and international payment preferences in the e-commerce payment landscape. Its omnichannel capabilities enable payment processing for online platforms, POS terminals, and ePOS systems, ensuring smooth transactions across different payment methods used by customers.
Integration Ease. Trust Payments simplifies payment gateway integration through APIs and plugins for popular e-commerce platforms like Shopify, WooCommerce, and Magento. Its compatibility with POS and ePOS systems makes it an ideal choice for both online merchants and physical stores. The integration process is quick and easy, requiring minimal technical expertise for standard setups, though more complex customizations may require developer input. With over 10 pre-built plugins and a sandbox environment for testing, Trust Payments ensures a smooth onboarding process for businesses in Malta and other regions.
Stripe
Stripe is a leading global payment processor that provides comprehensive payment solutions for businesses seeking to integrate cryptocurrency payments alongside traditional payment methods. In 2025, Stripe has expanded its offerings, enabling merchants to accept stablecoin payments and manage digital assets along with standard currencies. This move aligns with Stripe’s mission to offer efficient payment processing across various platforms and markets, enhancing the flexibility of payment options available to businesses globally.
Transaction Fees. Stripe follows a transparent pricing model with no setup or monthly fees, making it a flexible payment solution for businesses. Standard transaction fees are 2.9% + €0.25 per card transaction for European payments, with international payment transactions priced at 4.4% + €0.30. Additional fees are applicable for services like instant payouts (1% of payout amount) and currency conversion (1%-2%). For businesses in Malta with high transaction volumes, Stripe offers custom pricing, providing an adaptable payment gateway for larger enterprises.
Payment Method Support. Stripe supports over 100 payment methods, including major credit and debit card payments (Visa, Mastercard, American Express), digital wallets (Apple Pay, Google Pay, PayPal), and local payment schemes like SEPA, iDeal, and Bancontact. It processes online payments in over 135 currencies, enabling businesses to cater to a global audience. Stripe’s features like Link, which allows one-click checkout, enhance the convenience of accepting online payments, providing customers with a quick and efficient payment method.
Integration Ease. Stripe ensures efficient payment processing by offering easy integration through its comprehensive APIs, prebuilt checkout forms, and plugins for popular e-commerce platforms like Shopify, WooCommerce, and Magento. Its no-code solutions, such as payment links and hosted checkout pages, allow online merchants to begin accepting payments immediately. With over 100 third-party integrations, Stripe supports both simple and complex setups. The platform is backed by 24/7 customer support, ensuring businesses can smoothly implement global payment solutions with minimal disruption.
Fondy
Fondy is a payment solutions provider offering businesses in Malta the tools to accept both traditional and cryptocurrency payments. As a global payment gateway, Fondy continues to expand its reach in 2025, providing secure and flexible payment processing services for e-commerce, travel, and other online services. The platform focuses on simplicity, speed, and compliance, helping merchants manage transactions efficiently while catering to a global audience.
Transaction Fees. Fondy offers transparent and competitive transaction fees, with card payments starting at 0.9% + €0.20 per transaction for European cards. There are volume discounts available for high-transaction merchants. Additionally, there are no setup fees or long-term contracts, making it an attractive payment gateway in Malta. An integrated business account incurs a €10 monthly fee, which includes features such as instant settlements and multi-currency accounts, providing a cost-effective solution for businesses in Malta and beyond.
Payment Method Support. Fondy supports over 300 payment methods across 200+ countries, including major credit and debit card payments (Visa, Mastercard, American Express), digital wallets (Apple Pay, Google Pay, PayPal), and local payment options like SEPA, iDeal, and BLIK. Its intelligent checkout system uses geolocation to display relevant local payment methods, boosting conversion rates for global and European customers. However, Fondy does not currently support cryptocurrencies due to regulatory restrictions, focusing instead on a wide range of payment options for both local and international transactions.
Integration Ease. Fondy provides a variety of integration solutions to meet the needs of online merchants. With over 30 plugins for e-commerce platforms like Shopify and WooCommerce, as well as payment links for businesses without websites, Fondy makes it easy to start accepting payments quickly. Its RESTful API allows for custom payment gateway integrations, and mobile SDKs for iOS, Android, and React Native ensure compatibility with app-based businesses. Setup is fast, typically completed in under an hour for standard integrations, with 24/7 support and detailed documentation to assist merchants.
Viva Wallet
Viva Wallet is an easy-to-use payment gateway designed for businesses in Malta and across Europe, offering a cloud-based platform to manage payment processing efficiently. As a licensed e-money institution under the PSD II Directive, it provides payment solutions for industries such as eCommerce, retail, and hospitality. With low transaction fees, support for a variety of payment methods, and simple integration, Viva Wallet helps merchants streamline their payment processing services while improving customer satisfaction. With top-tier security such as PCI-DSS Level 1, machine learning for fraud protection, and 3D Secure, it ensures secure payment processing for both local and international transactions.
Transaction Fees. Viva Wallet offers competitive transaction fees with no setup or monthly charges. Fees start at 0.20% for debit/prepaid cards and 0.30% for credit card payments for domestic and EEA consumer cards, with a minimum fee of €0.01 per transaction (€0.10 for Viva.com Terminal users). For non-EEA cards, an additional 0.40% fee applies, while eCommerce platform plugins may add a 0.35% surcharge. Merchants in Malta can reduce fees to 0% by using the Viva Wallet Business Debit Card for corporate expenses, such as Google Ads or fuel, making it a cost-effective solution for high-volume businesses in Malta.
Payment Method Support. Viva Wallet supports over 30 payment methods, including major credit and debit card payments (Visa, Mastercard, American Express, JCB, Bancontact), digital wallets (Apple Pay, Google Pay, Samsung Pay, PayPal), and local schemes like iDeal, Przelewy24, and SEPA. The platform’s Smart Checkout adapts to payment preferences, offering region-specific payment options in three currencies (EUR, GBP, RON). This variety of payment methods helps businesses cater to international customers, enhancing conversion rates for European customers and improving their online payment experience.
Integration Ease. Viva Wallet ensures smooth integration with its Smart Checkout, offering over 30 plugins for popular e-commerce platforms like WooCommerce, Shopify (with Shopify integration in Malta), PrestaShop, and CS-Cart, which require no coding. The RESTful API and mobile SDKs for iOS, Android, and React Native support custom integrations for businesses with specific needs. For businesses without websites, payment links and web POS provide quick payment processing setup. With a simple 5-minute onboarding process and 24/7 customer support, Viva Wallet is accessible to businesses in Malta and beyond, regardless of their technical expertise.
Final Thoughts on Payment Gateways in Malta in 2026
Choosing the right payment gateway in Malta is crucial for businesses seeking secure payment processing and seamless online payments. After evaluating five key solutions, NOWPayments, Trust Payments, Stripe, Fondy, and Viva Wallet, NOWPayments stands out as the best choice for businesses in Malta and globally.
NOWPayments offers highly competitive transaction fees, starting at 0.5% for mono-currency crypto transactions and 1% for currency conversion, which are significantly lower than traditional processors like Stripe and Viva Wallet. It also supports over 300 cryptocurrencies and 75+ fiat currencies, enabling businesses to cater to both local and international customers with a variety of payment methods. NOWPayments ensures efficient and secure payment processing with advanced encryption and KYC/AML protocols, offering both non-custodial and custodial options.