Best Crypto Payment Gateways for SaaS

The use of crypto payments in SaaS keeps growing. What used to be seen as an extra option is now a useful tool for handling global transactions, especially when banks create delays, limits, or higher fees. In this guide, we explore some of the best crypto payment gateways for SaaS businesses.

What Is a Crypto Payment Gateway?

A crypto payment gateway is a platform that enables companies to take payments in digital currencies. It handles the transfer between buyer and seller in a secure and automated way.

In addition to payment processing, certain gateways provide extra tools such as invoicing and conversion to fiat or stablecoins. SaaS companies, in particular, should focus on recurring billing features. Since they rely on subscriptions, they need a system that supports scheduled billing and smooth renewals with minimal effort.

Some other factors to keep in mind while picking a gateway are:

• Fees: even small fee differences between platforms can grow over time, so everything should be clearly shown.

• Supported coins: having popular coins and stablecoins adds more payment options for users.

• Security: 2FA, and PIN codes help keep accounts safe.

• Integration options: support for APIs, plugins, and payment links makes setup easier.

• Business features: tools like custom checkout, auto conversion, and recurring payments can simplify operations.

List of the Best Crypto Gateways for SaaS

Given the large number of crypto gateways on the market, we built this list by focusing on functionality to help you decide. The best crypto payment gateways for SaaS include:

• Cryptomus.
• Bcon.
• INXY Paygate.
• ALFAcoins.
• PayRam.
• ForumPay.

Now we’ll go through each one in more detail.

Cryptomus

Cryptomus is a crypto payment gateway that supports over 120 digital assets, including stablecoins, and is commonly used by SaaS businesses, hosting services, and subscription platforms.

Fees are one of its biggest selling points. They start at about 0.4%, which is on the lower end of the market. Some assets, including USDT ERC-20, come with a fixed $1 withdrawal fee regardless of the amount, and there are no additional network costs. An auto-conversion feature is also available to move funds into stablecoins and reduce exposure to market fluctuations.

The platform supports API integration, plugins, mass payout, recurring payments, and invoice management. It also offers a White Label option for businesses that want a branded setup.

For security, it includes 2FA, PIN protection, and IP whitelisting for APIs. Along with that, it has passed an independent CertiK audit. Support is available 24/7 via Telegram, email, or the website.

• Availability: global.

• Functionality: White Label integration, API integration, plugins, auto-convert, auto-withdraw, mass payouts, invoice management.

• Supported CMS: WooCommerce, PrestaShop, WHMCS, OpenCart, and over 20 others.

• Recurring payments: yes.

• Supported coins: 120+.

Bcon

Bcon is a non-custodial crypto payment gateway built for SaaS platforms that want full control over their funds. Payments go straight to the merchant’s wallet, cutting out any intermediaries. Fees are fixed at 1% per transaction.

It comes with a developer-oriented API that supports real-time invoice creation, payment monitoring, and verification. This setup works well for teams building tailored billing solutions.

Recurring payments are handled through API-based subscriptions. It does take more technical effort than custodial options, but in return offers greater flexibility and independence.

• Availability: global.

• Functionality: API integration, subscription billing, fiat invoicing, on-site checkout, plugins.

• Supported CMS: WHMCS, WooCommerce, OpenCart.

• Recurring payments: yes.

• Supported coins: 100+.

INXY Paygate

INXY Paygate is a custodial payment gateway built for SaaS companies that need compliance and reliable settlement. It applies a fee of about 1% per transaction.

A standout feature is instant conversion. With automatic conversion into fiat or stablecoins, crypto payments become less risky in terms of price swings, making business revenue easier to plan and predict.

The platform offers API access along with integrations like WHMCS, making subscription billing and automation easier. It also supports mass payouts for handling global transactions.

• Availability: 190+ countries.

• Functionality: API integration, WHMCS module, instant conversion, mass payouts, automated billing.

• Supported CMS: WHMCS, WooCommerce, Shopify.

• Recurring payments: yes.

• Supported coins: 20+.

ALFAcoins

ALFAcoins provides a simple crypto payment solution aimed at SaaS businesses and digital service providers. It applies a flat transaction fee of 0.99% on each completed payment.

What makes it notable is the split payment option, which allows funds to be allocated between fiat and crypto. This helps companies hold part of their income in crypto while ensuring they have enough fiat for regular business needs. It is a balanced approach for those testing crypto integration.

The platform supports API-based invoice generation along with webhook confirmations for payments. Although recurring billing isn’t fully automated, it is still possible to manage subscriptions using scheduled invoice setups.

• Availability: global.

• Functionality: API integration, invoice automation, split payments, conversion tools.

• Supported CMS: WooCommerce, Magento, OpenCart.

• Recurring payments: yes.

• Supported coins: 10+.

PayRam

PayRam is a self-hosted, non-custodial payment gateway built for businesses that want full ownership of their payment system. There are no processing fees, only standard network gas fees for transactions.

Payments go straight to merchant wallets, removing custodial risk from the equation. This setup is especially attractive to SaaS companies that value control and security over convenience.

It also offers tools for managing multiple wallets and handling treasury operations. The platform is fairly easy to set up, even without deep technical knowledge.

• Availability: 190+ countries.

• Functionality: MCP, self-hosted checkout, direct wallet payments, API integration.

• Supported CMS: WooCommerce, Shopify, Magento.

• Recurring payments: yes.

• Supported coins: 20+.

ForumPay

ForumPay is a custodial crypto payment gateway built for SaaS businesses that need to accept crypto while receiving fiat payouts. Fees range from 0.4% to 2%.

It supports a wide range of digital assets and instantly converts them into fiat at the moment of payment. This helps remove exposure to market volatility and makes accounting easier.

Recurring billing is included as a key feature, allowing SaaS companies to automate subscription payments through an API or dashboard without manual processing.

• Availability: global.

• Functionality: instant fiat conversion, API, plugins, overpayment management.

• Supported CMS: WooCommerce, Drupal, Magento, PrestaShop.

• Recurring payments: yes.

• Supported coins: 450+.

Choosing a crypto payment gateway for SaaS depends on how well it handles subscriptions, automation, and stable payments. It needs to work with your billing setup and match your risk tolerance. A good tool helps manage recurring payments with less effort.

We hope this guide helped. Feel free to ask if you have questions or want to explore certain use cases.