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As Bitcoin hit $122,000 this week, major financial institutions are treating Bitcoin as a serious asset, and crypto owners are optimistic about the potential price increase. With that being said, many businesses are exploring crypto payment options to target new markets and reach a wider customer base. We created this guide for small businesses to accept Bitcoin in 2025, so they can meet customer expectations and stay ahead of the competition.
Beyond just BTC and ETH, stablecoins have found a perfect use case for international businesses, offering a steady value while also catering to a global audience.
The best part is that modern crypto payment solutions don’t require businesses to build a product from scratch or own a crypto license. This is why partnering up with crypto payment processors for the following features makes things easier:
- Hosted virtual accounts and stablecoin wallets
- Accepting popular cryptocurrencies and stablecoins
- Auto crypto-to-fiat/fiat-to-crypto conversions
- Secure and competitive exchange rates
- Seamless checkout pages for users
How to accept crypto payments with crypto payment gateways?
A crypto payment gateway allows businesses to accept crypto payments so they can get paid in fiat currencies such as GBP, EUR, or USD, without needing to hold the cryptocurrencies. The gateways work as an intermediary between two parties when making an online transaction.
Here’s how businesses can enable crypto checkout
Software integration or API solution
First, to get started, businesses must integrate the payment gateway into their website with an API solution. The setup can be completed within a week, based on the platform complexity.
Payment processing
After the crypto payment provider processes the transaction, the payment is verified, and the merchant then receives the exact amount into their business bank account.
Payment confirmation
Lastly, the payment is confirmed on the network, the provider automatically notifies the customer and the merchant about the successful payment.
Another easier solution for businesses to accept crypto payments is through payment links. Simply add the payment link to invoices and allow customers to pay in cryptocurrencies while you receive the exact amount in fiat (USD, EUR, GBP etc.)
A guide for small businesses to accept Bitcoin in 2025
There are a few key pointers for businesses before they enable crypto checkout to accept crypto payments.
A transparent fee structure
The typical fee ranges from 0.5% to 3% and is based per transaction. Crypto payments cost around 1% with an additional markup for international currencies, and also includes the network fee. However, a payment link option doesn’t incur any fees for the merchant as the customer pays the network and transaction fees.
Processing and settlement time
Crypto processing and settlement times are near-instant; however, some blockchain networks can be slower. Also, some payment processors can slow down the settlement time significantly. It’s important to choose processors that work with multiple blockchains to mitigate the delays.
Deployment complexity
For a quick integration, businesses should partner with providers that offer low-code or API solutions. This way, they don’t need a dedicated tech team and can deploy with a minimal integration process.
Customer experience
Creating a simple user journey and experience increases the conversion rate. The process should involve minimal clicks to payment and an intuitive UI/UX, along with a well-resourced customer support team.
Regulatory compliance
The most important and non-negotiable on the list, businesses must ensure safe and compliant operations. Before partnering up, it’s important to note that the providers are licensed with a trusted risk and compliance team for oversight.
Top crypto payment providers in 2025
Swapin
Swapin is a fast, secure, and licensed payment processing provider from the EU. Established in 2017, Swapin is a pioneer in crypto-bank transactions. Today, Swapin is one of the best crypto gateways for businesses in 2025 and offers a range of solutions for buying crypto and withdrawing crypto to banks, as well as solutions for businesses to accept crypto payments and integrate crypto on- and off-ramp into their platforms.
Website: https://www.swapin.com/
Bitpay
BitPay is one of the oldest cryptocurrency companies, launching in 2011. The company aims to transform how merchants and individuals send, receive, and store money. Their business features eliminate fraud chargebacks, reduce payment processing fees, and allow global payments in cryptocurrency. Additionally, it offers consumers a digital asset management solution that includes a wallet and a card.
Website: https://www.bitpay.com/
OpenPayd
OpenPayd offers financial services with API integration. The platform supports digital currency for businesses by providing access to banking and payment networks, including virtual IBANs and FX services. Additionally, they also offer invoicing, fiat payouts, and multi-user business accounts.
Website: https://www.openpayd.com/
Checkout.com
A British multinational fintech company, Checkout.com, is a B2B payments processor. The platform mainly focuses on e-commerce and fintech partners, but it offers digital asset exchanges tailored for enterprises.
Website: https://www.checkout.com/
The crypto market is evolving, and the need to make payments practical and accessible is driving global crypto adoption. Partnering with crypto payment providers can allow modern businesses to enable crypto checkout and accept crypto payments without licensing.
