Crypto Invoice & Billing Systems Multi-Currency Payments Merchant Checkout Integration

Crypto Payment Gateway Development Company

We build crypto payment gateways that enable businesses to accept digital assets seamlessly and securely. Our solutions are designed for merchants, SaaS platforms, and enterprises that require reliable crypto payment processing at scale.

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How much does it cost to build a crypto payment gateway?

How long does it take to launch a crypto payment gateway?

130+ projects

since 2015

blockchain expert

Reason

Why Choose Us as Your Crypto Payment Gateway Development Company

Merehead has been developing scalable projects since 2015, and since 2018 we have started the crypto path. Our experience includes the development of centralized, decentralized crypto exchanges, P2P exchanges and trading platforms. We also have experience in developing crypto payment gateways with the installation of our own nodes.

In practice, projects of this scale are not simple and always differ in a wide range of features and settings. Our development team built its own microservice architecture of the crypto payment gateway, which successfully works with agents and merchants. It has a powerful dashboard with roles for the support team.

The project development lasted 9 months and required the involvement of the best developers. This is a significant case that well demonstrates our practical experience in the field of crypto projects and especially in the development of a crypto payment gateway.

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Experience in Crypto Payment Solutions

We have experience delivering crypto payment platforms for diverse use cases. This ensures practical, production-ready solutions.

Business-Oriented Payment Architecture

Our architectures prioritize merchant needs and operational efficiency. This supports long-term growth.

Security & Compliance Focus

Security and compliance are embedded into every layer of our crypto payment gateway architecture, from wallet management to transaction processing.

Scalable Merchant Infrastructure

Our solutions scale with transaction volume and merchant growth. No re-architecture is required.

One of the biggest challenges for crypto payment gateways is easy setup for merchants and a simple payment path for users. Thus, a powerful system must be combined with a simple and intuitive interface for all market participants.

Services

Crypto Payment Gateway Development Services

Our crypto payment gateway development services cover the full cycle from architecture design to production deployment. Each solution is customized to business requirements, supported currencies, and compliance needs.

01

Custom Payment Gateway Development

We develop custom crypto payment gateways tailored to your business model and transaction flow. Solutions are built for high availability and long-term scalability.

02

Multi-Currency Payments

Our gateways support multiple cryptocurrencies across different blockchains. This allows businesses to accept payments from a global customer base.

03

Buy & Sell Offer Management

Users can create, manage, and filter buy and sell offers based on price, payment method, and location. The platform automatically matches offers according to predefined rules.

04

Merchant Checkout Integration

We integrate crypto payments into merchant checkout flows for websites, apps, and platforms. The experience is optimized for fast confirmation and minimal friction.

05

Stablecoin & Fiat Settlement Options

We design settlement flows that support stablecoins and fiat conversions. This helps businesses reduce volatility exposure and simplify accounting.

06

Crypto Invoice & Billing Systems

Our gateways include invoice generation and billing tools for one-time and recurring payments. This supports subscription-based and B2B payment models.

07

Compliance & Risk Management Tools

We implement tools for transaction monitoring, limits, and compliance workflows. These features help businesses operate within regulatory requirements.

About

What Is a Crypto Payment Gateway?

A crypto payment gateway is a platform that enables businesses to accept cryptocurrency payments from customers. It processes blockchain transactions and settles funds to merchant wallets or accounts.

A flexible dashboard and easy installation of an interactive payment widget are key features of a cryptocurrency payment gateway. Such systems are convenient for small businesses that trade online. This makes it possible to attract new users and be closer to the 3.0 audience.

Cryptocurrency payment gateway is a complex system that must provide 3 roles on one platform: merchant, user and platform owner. An interactive widget is a visual component that allows a user to pay for items with cryptocurrency. Flexible dashboards for the merchant and platform owner help to configure and manage key components of the system.

In practice, such platforms are developed only by companies that have experience and deep expertise in creating cryptocurrency payment gateways.

11

years on the market

133

completed projects

40+

development team

Step-by-Step

How a Crypto Payment Gateway Works

A crypto payment gateway processes customer payments through blockchain networks and merchant systems. It ensures accurate transaction verification and reliable settlement.

The Customer Initiates a Payment in Cryptocurrency

Customers select crypto as a payment method during checkout. The gateway generates a payment request and address.

Blockchain Transaction Processing

The transaction is broadcast to the blockchain network. The gateway monitors its confirmation status in real time.

Settlement to Merchant Wallet or Account

Funds are settled to the merchant’s crypto wallet or converted and transferred as configured. Settlement logic depends on business preferences.

Crypto Address & Invoice Generation

The system generates a crypto address for payment and a limited time for invoice payment.

Payment Confirmation & Verification

Once confirmed, the payment is validated against predefined rules. This ensures accuracy and prevents double spending.

Refunds & Chargeback Handling

The gateway supports refund workflows where applicable. These processes are designed to maintain transparency and control.

Be prepared for payments to arrive after the allotted time or from wallets that do not pass AML. Often users confuse networks or send funds to the wrong addresses. Such cases should be anticipated in advance and described in the platform documentation before development.

Architecture

Crypto Payment Gateway Architecture We Build

Our payment gateway architecture is designed for performance, security, and scalability. Each component supports high transaction throughput and operational stability.

Payment Processing Layer

The processing layer handles payment requests and transaction tracking. It ensures accurate mapping between orders and blockchain payments.

Blockchain Node Integration

Direct integration with blockchain nodes enables reliable transaction monitoring. This reduces dependency on third-party services.

Address & Wallet Management

Wallet systems manage addresses and private keys securely. This ensures safe custody and settlement flows.

Settlement & Conversion Logic. Settlement logic manages crypto-to-crypto or crypto-to-fiat flows. This provides flexibility in fund management.

Monitoring & Reporting Layer. Monitoring tools track system health and transaction activity. Reporting supports audits and business analysis.

Features

Core Features of a Crypto Payment Gateway Platform

Core features focus on reliability, security, and merchant usability. These capabilities ensure smooth payment acceptance and settlement.

Multi-Currency Support

Merchants can accept multiple cryptocurrencies through a single integration. This simplifies operations and expands payment options.

Real-Time Payment Confirmation

The gateway provides real-time confirmation updates for incoming payments. This improves customer experience and order processing.

Merchant Dashboard & Analytics

Dashboards provide visibility into transactions, volumes, and settlement status. Analytics support informed business decisions.

Wallet & Address Management

The platform manages payment addresses and wallet infrastructure securely. This ensures accurate fund routing.

Security & Fraud Prevention

Built-in security mechanisms detect suspicious activity and reduce fraud risks. This protects both merchants and customers.

Cost

Cost of Crypto Payment Gateway Development

The cost of crypto payment gateway development depends on supported currencies, settlement logic, and compliance scope. Final pricing is defined after technical and business analysis.

It is worth noting that the cost:

MVP (1–2 blockchains): $40,000 - $70,000

Medium (Multi-chain): $80,000 - $150,000

Large (Multi-merchant): $150,000 - $300,000

The number of blockchain networks, widget flexibility, KYC and AML integration, internal exchange and integration of fiat payment methods are key features that affect the final cost of development.

In practice, it is first of all important to pay attention to security, transaction verification logic and widget usability. These are the main components that we recommend to include in the work.

Taking into account our experience in developing crypto payment gateways, we will be happy to advise you on how to build a system with minimal effort and maximum efficiency, which components to pay attention to and which ones to skip.

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Who Should Launch a Crypto Payment Gateway

top crypto fintech startups

crypto entrepreneurs and investors

crypto on/off-ramp businesses

local payment aggregators

FAQ

Have questions in mind?

Answers to the most frequently asked questions from our clients

It is a system that allows businesses to accept cryptocurrency payments. The gateway processes and settles transactions securely.

Development typically takes 3–6 months depending on complexity. Integrations and compliance affect timelines.

Costs vary by features and scope, usually starting from mid five figures. Final estimates depend on requirements.

Yes, we support stablecoin payments and fiat settlement flows. This reduces volatility risks.

Legality depends on business model and compliance. We help design gateways aligned with US regulations.

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Top expert

10 years of experience

Security

Security in Crypto Payment Gateway Development

Secure Key & Wallet Management

Private keys and wallets are protected using industry best practices. This minimizes the risk of unauthorized access.

Transaction Validation & Monitoring

Each transaction is validated against network and business rules. Continuous monitoring detects anomalies.

Fraud Detection & Risk Rules

Risk rules identify suspicious behavior and prevent abuse. This reduces financial losses.

Why is this important?

In our practice, cryptocurrency gateways are often subject to DDoS attacks, so it is important to have a stable and secure system. On the other hand, we recommend not storing customer funds but sending them immediately to the merchant's wallet.

Compliance

Compliance & Regulatory Considerations

KYC & AML Integration

We integrate KYC and AML workflows where required. This helps meet regulatory obligations.

Transaction Screening

Transactions can be screened against risk criteria. This supports fraud prevention and compliance.

Regional & Merchant Compliance Rules

Compliance logic adapts to regional and merchant-specific requirements. This enables global operations.

Why is this important?

In practice, you will regularly receive requests for payment from gray crypto wallets. To prevent your hot wallte from being blacklisted, you should always check transactions (KYT) on individual transit wallets. This is our TOP 1 recommendation.

Use Cases

Use Cases for Crypto Payment Gateways

E-Commerce & Online Stores

Online stores can accept crypto payments globally. This expands customer reach.

SaaS & Subscription Platforms

Gateways support recurring and usage-based billing models. This suits SaaS businesses.

Marketplaces & Digital Services

Marketplaces can process payments between buyers and sellers. This enables platform monetization.

Why is this important?

In practice, we see increased demand for cryptocurrency payments, especially in retail, which had nothing to do with cryptocurrencies yesterday. Having your own crypto payment gateway is a great opportunity to launch your own strong online business in a rapidly growing market.