In 2025, finding a reliable crypto payment processor is crucial to bridge the gap between traditional finance and the crypto world, with crypto businesses needing easy and safe ways for fiat on-ramp and off-ramp payments. This article explores the top payment processors that are revolutionizing how crypto companies handle fiat transactions, enabling smooth pay-ins from users and payouts to various stakeholders.
Best Payment Processors for Crypto Businesses in 2025
As the crypto industry continues to evolve, payment processors have adapted to meet the unique needs of blockchain-based businesses, particularly in handling fiat transactions.
Ivy
When evaluating payment solutions for the crypto space, Ivy stands out for its crypto-first approach, which balances both security and ease of use. Ivy has been designed with crypto and Web3 businesses in mind: it's fast, reliable, and delivers strong conversion rates. For businesses looking for a payment platform that aligns with the specific needs of the cryptocurrency market, Ivy ticks a lot of important boxes.
Benefits
Coverage Champion: Ivy identifies, contracts, and integrates local champion providers into a network, maximizing bank coverage for trading merchants.
Conversion Champion: Ivy’s smart routing selects the optimal local open banking infrastructure for each transaction in real-time, leading to >90% conversion rates.
Better User Experience for Returning Customers: Returning customers are recognized and their bank details pre-populated. Through this customers skip the bank selection and save time with every transaction.
Reduce fraud: Eliminates chargeback fraud with SCA compliant Open Banking-based payments.
Products
Instant Deposits: Enable frictionless one-time and recurring deposits, allowing your customers to pay directly from their bank accounts.
Instant Withdrawals: Allow your customers to withdraw funds directly and instantaneously to their bank accounts.
Collection Accounts: Leverage secure, dedicated IBAN accounts with Ivy, ensuring safeguarded funds, for your customers.
Value Added Services: Ivy’s Risk Engine uses machine learning and multi-layer controls for security, featuring real-time risk scoring and fraud detection.
Pricing
Ivy offers custom rates and plans that scale with your business. Get in touch with us for more information.
Stripe
Stripe has established itself as a leader in the payment processing industry, including for Web3 businesses. It offers a comprehensive set of features specifically tailored to the crypto industry, creating a seamless checkout experience while handling particulars such as fraud prevention, identity verification (KYC), and compliance.
Features
Supports fiat pay-ins in 180+ countries
Supports fiat payouts in 45+ countries
Stripe Identity can be used to verify the authenticity of ID documents from 33 countries, making KYC and onboarding easier
Offers advanced fraud detection using state-of-the-art machine learning models
Allows cryptocurrency businesses to offset carbon emissions by automatically redirecting a part of their profits to carbon capture technologies
Pricing
Stripe’s transaction fees vary by region and payment method. They also offer custom plans. More information can be found on their pricing page.
You can read more about their offering here.
Kado
Kado’s payment solution allows Web3 companies to simplify crypto-to-fiat transactions (and vice versa). With their payments API, companies can enable users to buy crypto directly on their platform, improving user adoption and conversion rates.
Features
Supports 160+ countries
Built on secure cloud infrastructure with 24/7 monitoring to ensure data privacy and security
Pricing
Kado’s transaction fees vary by region and payment method. They also offer custom plans. More information can be found on their pricing page.
More information can be found here.
How to Choose a Payment Processor for Your Crypto Business
Selecting the right payment processor is crucial for the success of your crypto business. Consider the following factors when making your decision:
Does it support a wide range of fiat currencies?
Look for a processor that supports multiple fiat currencies to cater to a global user base and facilitate international transactions.
How competitive are the transaction fees?
Compare the fee structures of different processors. Lower fees can significantly impact your bottom line, especially for businesses with high transaction volumes.
Is it easy to integrate with your existing systems?
Choose a processor that offers seamless integration with your crypto platform. This will save time and resources during implementation.
Does it provide robust security measures?
Ensure the processor offers advanced security features like fraud detection and compliance tools to protect fiat transactions.
Conclusion
As the crypto industry continues to mature, the importance of reliable fiat payment processors cannot be overstated. Ivy, Stripe and Kado each offer unique advantages for crypto businesses in 2025, particularly in handling fiat transactions.
When choosing a payment processor, consider factors such as supported currencies, transaction fees, ease of integration, security measures, and payout capabilities. By selecting the right payment processor, crypto businesses can streamline their fiat operations, enhance customer experience, and position themselves for success in the evolving digital economy
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Ivy GmbH or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional. We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
