Best Cryptocurrency Payment Gateways for WooCommerce

Accepting crypto on a WooCommerce store means lower transaction fees than card processors in most cases, faster settlement, and no chargebacks, since crypto payments aren’t reversible the way card payments are. It also opens the store to customers who specifically want to pay that way. None of that happens without a payment gateway that can talk to the blockchain and handle conversion, so here’s what to actually look at when picking one:

• Which cryptocurrencies it supports
• Whether you receive fiat, crypto, or your choice of either
• The actual fee structure, not just the headline number
• Security and compliance measures
• How much setup and verification it requires

MyCryptoCheckout

MyCryptoCheckout (WordPress.org, active, v2.169, updated June 2026) sends payments directly to a wallet you control, no intermediary holding funds, no KYC verification. It supports 100+ cryptocurrencies and works with any wallet or exchange service you already use.

The free version caps out at 5 sales per month. Past that, paid licenses remove the cap; check the current tiers on the plugin’s own site since they’ve shifted from a flat single price to a tiered model.

CoinGate

CoinGate (active, v2.3.1) accepts Bitcoin plus 50+ other cryptocurrencies from any wallet or exchange, with payouts in fiat (USD/EUR/GBP) or crypto (BTC/USDT) and a flat 1% fee per transaction, no hidden costs. Setup requires creating a CoinGate account and identity verification.

Coinbase Commerce

Coinbase Commerce is still an active product (confirmed current as of this writing, though we couldn’t pull its current fee schedule directly, Coinbase blocks automated page fetches, so verify current fees on their site before committing). It’s backed by one of the more established names in crypto, supports Bitcoin, Ethereum, Litecoin, Bitcoin Cash, Dai, and USD Coin, and lets you receive payouts in fiat or crypto.

DePay

DePay (active on the WooCommerce marketplace, v3.0.7, 1,000+ active installs, 4.5/5 rating) accepts crypto and stablecoins across Ethereum, Polygon, Solana, Arbitrum, Optimism, Base, and more, paid directly into your own Web3 wallet (MetaMask, Phantom, Coinbase Wallet, and 100+ others). It’s free to install, with a 1.5% transaction fee, not fee-free as sometimes described, and no monthly or setup charges on top of that.

Custodial vs. Non-Custodial: The Distinction That Actually Matters Most

Before comparing fees or coin lists, the single most consequential decision is custodial versus non-custodial, and it’s worth understanding clearly since it shapes everything else about how a gateway behaves. Non-custodial gateways (MyCryptoCheckout, DePay) send payments straight to a wallet address you control, the gateway never holds your funds even momentarily, which means no counterparty risk if the gateway provider has financial trouble, but also means you’re solely responsible for wallet security, private key management, and any mistake in a wallet address is unrecoverable. Custodial gateways (CoinGate, Coinbase Commerce) hold funds briefly (or longer, if you choose crypto payout over fiat) before settling to you, trading some of that direct control for built-in fraud monitoring, easier fiat conversion, and a support team to call if something goes wrong with a transaction. Neither model is universally better, a small store comfortable managing its own wallet security gets lower fees and full control with a non-custodial option; a store that wants crypto payments handled more like a traditional payment processor, with a company standing behind the transaction, is better served by a custodial gateway even at a slightly higher cost.

Handling Volatility: Do You Actually Want to Hold Crypto?

A decision that trips up a lot of first-time crypto merchants: whether to receive the payment in crypto (and hold whatever price swings come with it) or convert immediately to fiat. CoinGate and Coinbase Commerce both offer instant fiat settlement as a standard option, meaning a $50 sale in Bitcoin lands as $50 in your bank account regardless of what Bitcoin does an hour later, insulating the store from volatility entirely. MyCryptoCheckout and DePay, being non-custodial and wallet-direct, put that conversion decision in your hands, the payment arrives as crypto and stays crypto until you personally move it to an exchange and sell, meaning genuine price exposure between the sale and whenever you convert. For a store treating crypto as just another payment rail rather than an investment position, instant fiat settlement removes a real operational risk; for a merchant who wants to accumulate crypto as part of a broader strategy, the non-custodial route offers that option directly.

Tax and Accounting, Don’t Skip This

Crypto payments create tax reporting obligations in most jurisdictions the moment they’re received, generally valued at fair market value in your local currency at the time of the transaction, regardless of whether you immediately convert to fiat or hold the crypto. In the US, the IRS treats crypto as property, meaning every sale is a taxable event and every later conversion or spend of held crypto can trigger a separate capital gains calculation based on the price movement between receipt and disposal. None of the gateways above handle tax reporting for you comprehensively, some provide transaction history exports that make bookkeeping easier, but the actual tax treatment and reporting is the merchant’s responsibility. Talk to an accountant familiar with crypto specifically before accepting any meaningful volume, the rules differ enough from standard sales tax handling that assuming your existing bookkeeping process covers it correctly is a real risk, not a formality. Sales tax itself still applies on top of this in most US states, a taxable sale doesn’t stop being taxable just because the payment method is Bitcoin instead of a card, and the sales tax owed is calculated on the fiat-equivalent value of the sale at the time of the transaction regardless of which gateway processed it.

Setting Up MyCryptoCheckout, a Concrete Walkthrough

Since MyCryptoCheckout is free, non-custodial, and requires no account creation with a third party, it’s worth walking through what setup actually looks like end to end. After installing and activating the plugin, you configure which cryptocurrencies to accept from its supported list (Bitcoin, Ethereum, Litecoin, and dozens of others), then provide a receiving wallet address for each one, generated from any wallet software or exchange account you already control. The plugin handles displaying a QR code and payment address at WooCommerce checkout, along with a countdown timer for exchange-rate-locked payment windows (since crypto prices move continuously, the plugin locks a conversion rate for a set window, typically 15-20 minutes, to protect both merchant and customer from mid-transaction price swings). Order status updates once the plugin detects the payment on-chain, which for Bitcoin specifically can take 10-60 minutes depending on network confirmation settings, worth setting customer expectations about that delay explicitly at checkout rather than leaving them wondering why the order isn’t marked complete immediately.

Refunds Without Chargebacks: A Real Tradeoff

The lack of chargebacks cuts both ways, and it’s worth being honest about the customer-facing side of that tradeoff rather than only celebrating the merchant-side fraud protection. A customer who wants a refund on a crypto purchase has no automatic recourse the way a credit card chargeback provides, the refund happens only if the merchant voluntarily initiates one by sending crypto back to the customer’s wallet. This is a real trust gap for a store new to crypto payments or without an established reputation; it’s worth having an explicit, clearly stated refund policy for crypto orders specifically, and processing refunds promptly and visibly, since the absence of a built-in dispute mechanism means the store’s word is the only backstop a customer has.

What the Checkout Experience Actually Looks Like for Customers

Worth walking through the customer side too, since it differs meaningfully from a card checkout in ways that affect conversion rate. At checkout, the customer selects crypto as a payment method, then sees a payment address (often as a QR code for scanning with a mobile wallet) and the exact crypto amount due, locked to the current exchange rate for a fixed window. The customer then leaves the browser tab, opens their own wallet app, and sends the payment, a meaningfully more manual, multi-step process than tapping a saved card. This extra friction is a real conversion factor: crypto checkout typically has a higher abandonment rate than card checkout simply because of the additional steps and because a meaningful share of site visitors don’t have crypto readily available even if they’re curious about the option. The gateways that support QR-code scanning specifically (all four covered here do) reduce this friction somewhat for customers on mobile with a wallet app already installed, but it’s realistic to expect crypto to remain a secondary payment option for most stores rather than a primary conversion driver, at least until wallet-based payments become more mainstream than they are currently.

Comparing the Four at a Glance

Wallet Security Practices for Merchants Going the Non-Custodial Route

Choosing MyCryptoCheckout or DePay puts real wallet-security responsibility on the merchant, worth treating seriously rather than as an afterthought. A hardware wallet (a physical device that keeps private keys offline, never exposed to an internet-connected computer) is the standard recommendation for any business receiving meaningful crypto volume, meaningfully more secure than a software wallet or exchange account for holding funds beyond what’s actively being moved. Separate the receiving wallet used for the WooCommerce integration from any wallet used for other purposes, keeping business receipts isolated from personal holdings simplifies both accounting and security. And treat the wallet’s seed phrase (the recovery credential behind any crypto wallet) with the same seriousness as a root password or master encryption key, never stored in plaintext in an email, a shared document, or a password manager without additional protections, since anyone with the seed phrase has complete, irreversible control over the funds.

Selling Services Alongside Crypto Payments

If your WooCommerce store sells services rather than physical products, and you want crypto as a payment option for them, Woo Sell Services (WBCOM Designs, active, v5.8.6, $59-499/yr or lifetime) turns WooCommerce into a service marketplace: custom order forms, built-in client messaging, file sharing, status tracking, and reviews. It works alongside any of the gateways above.

A Few Other WooCommerce Addons Worth Knowing

Woo Document Preview Pro (v1.3.6, $19-299/yr or lifetime) shows inline, modal, or tabbed previews of PDFs and other product documents right on the product page.

Woo Product Inquiry & Quote Pro (v1.3.1, $39-299/yr or lifetime) adds an inquiry/quote button to product pages so customers can ask for custom pricing instead of buying at list price.

If what you’re after is an infinite-scroll product grid instead, that’s not a Wbcom product despite older versions of this post saying so, see our Load More Products for WooCommerce post for the real (and free) plugin that does it.

Regulatory Considerations Worth a Second Look

Accepting crypto payments doesn’t sit in a regulatory vacuum, and the rules vary meaningfully by where the business is registered and where customers are located. In the US, businesses processing significant crypto volume may trigger money-transmitter licensing requirements in some states, though simply accepting crypto as payment for goods or services (rather than exchanging it as a service) generally falls outside that scope, worth confirming with a lawyer if volume grows past casual levels rather than assuming exemption. The EU’s Markets in Crypto-Assets (MiCA) regulation, phased in since 2024, primarily targets crypto-asset service providers (exchanges, custodial wallet providers) rather than merchants simply accepting crypto for goods sold, but the regulatory perimeter has been actively shifting, worth a periodic check rather than a one-time assumption that stays valid indefinitely. None of the four gateways above handle this compliance layer for the merchant, it remains the store owner’s responsibility regardless of which payment gateway is doing the technical processing. Sanctions screening is a related, easy-to-overlook piece: crypto’s pseudonymous nature doesn’t exempt a merchant from standard obligations not to knowingly transact with sanctioned individuals or entities, custodial gateways typically build some screening into their infrastructure, non-custodial setups place more of that responsibility directly on the merchant, worth factoring into the custodial-versus-non-custodial decision if the store operates internationally at any real scale.

Frequently Asked Questions

Do I need a business bank account to accept crypto payments?

Not for the crypto side itself, a non-custodial gateway needs only a wallet address. You’ll want a bank account eventually for converting crypto to spendable fiat and for tax reporting purposes, but the payment gateway setup itself doesn’t require one upfront.

Can customers pay with a credit card and have it convert to crypto automatically?

Not through the gateways covered here directly, these accept crypto payments from a customer’s existing wallet or exchange balance. A customer without crypto already would need to buy it on an exchange first, a real friction point worth considering if your customer base skews toward people new to crypto rather than existing holders.

What happens if a customer sends the wrong amount of crypto?

This is a real edge case worth planning for. Underpayments (common when a customer’s wallet doesn’t account for network fees correctly) typically leave an order in a pending state until manually resolved; overpayments generally require a manual refund of the difference, since blockchain transactions can’t be partially reversed automatically the way a card refund can.

Is Bitcoin the only practical option, or do the altcoins and stablecoins matter?

Stablecoins (USDC, USDT, Dai) are increasingly the more practical choice for merchants specifically because they don’t carry Bitcoin or Ethereum’s price volatility between receipt and conversion, DePay and MyCryptoCheckout both support several. For a merchant who wants crypto’s low fees and fast settlement without volatility exposure, offering a stablecoin option alongside Bitcoin is often the more merchant-friendly configuration.

Should a small store bother with crypto payments at all?

Depends heavily on the customer base. A store with any meaningful traffic from crypto-native communities, Web3 products, gaming, certain international markets where card infrastructure is weaker, sees genuine incremental sales from offering it. A general consumer store with no particular crypto-adjacent audience is unlikely to see much uptake, and the setup and accounting overhead may not be worth it purely on a “just in case someone wants it” basis. Check analytics for any existing crypto-related traffic or direct customer requests before investing the setup time.

Picking One

There’s no single right answer here: MyCryptoCheckout and CoinGate suit stores that want direct control over how funds are received, Coinbase Commerce trades some of that control for a more established brand, and DePay is the most flexible on which chains and tokens it’ll take. Compare fee structures against your actual transaction volume before committing to one, and settle the custodial-versus-non-custodial and volatility-exposure questions above first, they matter more to the actual day-to-day experience of running crypto payments than any single line-item fee difference between the four.

Whichever gateway ends up in the checkout flow, treat it as an additional payment option rather than a card-processor replacement, at least initially. Most stores that add crypto successfully do it alongside existing card and PayPal options rather than instead of them, letting the small but genuinely interested segment of crypto-native customers pay the way they prefer without asking the rest of the customer base to change anything about how they already check out.