To choose the best online crypto payment gateway for small business, you need to consider more factors than just transaction fees. We need to delve deeper into aspects like transaction fees, supported cryptocurrencies, security features, and ease of use.
Here are 3 latest tips from XAIGATE to help you make the optimal choice.
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Don’t ignore transaction fees
Understand clearly the fees to optimize operating costs
One of the main reasons small businesses turn to crypto is to avoid the sky-high fees of traditional payment gateways like PayPal or Visa. While PayPal charges up to 4% per transaction, crypto payment platforms typically charge between 0.5% and 1%, saving you a significant amount of money.
However, transaction fees aren’t the only cost to consider. Many platforms charge extra for withdrawals, fiat conversions, and account maintenance. These additional fees can catch you off guard and unexpectedly raise your operating costs.
For example, BitPay charges a 1% transaction fee but doesn’t charge a withdrawal fee, making it a cost-effective option if you’re not withdrawing funds frequently.
Hidden fees and complex terms
Many crypto payment gateways advertise low fees to attract small businesses, but when actually using them, you may encounter hidden fees that make the total cost higher than expected.
Some fees that may arise that you should check before choosing a platform:
- Withdrawal fees: Some gateways charge low fees for transactions but high fees when you want to withdraw to a personal wallet or bank account.
- Conversion fees: If the platform automatically converts crypto to USD, EUR, or other fiat currencies, check to see if there is a fee. Some platforms may charge 0.5% to 2% for the conversion fee.
- Expedited processing fees: Some platforms offer faster transaction processing options but come with additional fees.
For example, CoinGate has a transaction fee of just 1%, but if you want to withdraw funds to your bank account quickly, you may have to pay an additional 1.5% processing fee.
Cost solution
If you want a platform with flexible fees, no surprise fees, and the ability to optimize cash flow, XAIGATE is a worthy option to consider. With transaction fees ranging from 0.5% – 1%, along with instant conversion to fiat without additional hidden fees, this is one of the most cost-effective best online crypto payment gateways for small business today.
In addition, XAIGATE does not require monthly maintenance fees, giving small businesses more flexibility in managing their finances without worrying about fixed expenses.
Diversified choices to expand your market
The need for multiple coins
In the article Open Source Crypto Currency: Top 5 Criteria for Quality 2025, we discussed the criteria for a coin to qualify. Bitcoin (BTC) may be the most popular cryptocurrency, but not everyone wants to use BTC to pay. With transaction fees sometimes reaching $20 to $30, many shoppers are turning to alternatives like Ethereum (ETH), USDT (Tether) or Solana (SOL).
According to a report from Chainalysis, there are now more than 420 million crypto users worldwide, of which:
- 46% prefer to pay with Bitcoin.
- 19% choose USDT for price stability.
- 10% use Ethereum, especially for transactions involving NFTs or digital services.
If the payment gateway you choose only supports Bitcoin, you’re limiting your market potential. By not offering alternative coins, you could miss out on a significant portion of potential customers.
Adapt to regional preferences and emerging trends
While Bitcoin remains dominant, payment trends vary significantly by region. Payment preferences shift based on where you’re selling:
- For instance, in Latin America, stablecoins like USDT and USDC are widely used due to high inflation and currency devaluation.
- Meanwhile, in Southeast Asia, coins like Solana (SOL) and Binance Coin (BNB) are becoming the go-to, especially for gaming and online shopping.
- Over in Europe and North America, Ethereum (ETH) is often the preferred choice for digital services like NFTs or subscription-based platforms.
Being able to adapt to these regional preferences can help your business attract a broader range of customers, especially as more users look for ways to pay using their preferred digital currencies.
At XAIGATE, we understand the importance of offering diversity in crypto payments. That’s why we support over 100 different cryptocurrencies, including Bitcoin, Ethereum, USDT, Solana, and more. Whether your customers are in Europe, Asia, or Latin America, XAIGATE ensures that your business can accommodate the payment preferences of your global audience.
Easy integration and High security
Complex API can become a big barrier
One of the common problems when small businesses want to implement crypto payments is that the API is too complicated or difficult to integrate into the current system. Many platforms require highly specialized technicians to set up, making the implementation process lengthy and expensive.
For example, NowPayments offers a robust API but requires complex configuration steps, which can be difficult for small businesses looking to implement quickly.
Security is crucial
Unlike bank payments, crypto transactions are irreversible. This means that if a transaction is hacked or fails, you may not be able to get your money back. Therefore, a reliable payment gateway must have strong protection mechanisms, including:
- Two-factor authentication (2FA) to prevent unauthorized access.
- Cold wallet storage to protect assets from hackers.
- Anti-money laundering (AML) and know-your-customer (KYC) systems to ensure transparent transactions.
Support for small businesses
Not only does it have a simple API that is easy to integrate into platforms like Shopify, WooCommerce, XAIGATE also provides a detailed set of instructions to help small businesses deploy in just a few hours instead of a few weeks.
In terms of security, XAIGATE uses two-factor authentication, AES-256 encryption technology and modern anti-money laundering mechanisms, giving businesses peace of mind when processing crypto transactions.
Why XAIGATE is the best online crypto payment gateway for small business?
Choosing the best online crypto payment gateway for small business isn’t just about low fees. It’s about the whole package: clear pricing with no hidden fees, the flexibility to accept a variety of cryptocurrencies, and top-notch security. Want to know more about the best low-fee crypto payment gateways in 2025? Look no further than XAIGATE!
XAIGATE ticks all the boxes! With its low transaction fees, support for over 100 cryptocurrencies, simple integration process, and world-class security, XAIGATE provides a cost-effective and secure solution for businesses looking to accept crypto payments.
What does XAIGATE offer?
With XAIGATE, you can:
- Accept Bitcoin, Stablecoins, and other cryptocurrencies across multiple networks.
- Instantly modify payments and convert balances with ease.
- Receive payments from crypto to fiat and transfer them directly to your bank account.
- Seamlessly integrate with your website or online store via flexible APIs.
In essence, XAIGATE combines the best of both worlds: it’s easy to use, cost-effective, and packed with the features that modern businesses need to stay competitive in a rapidly changing digital landscape.
A true partner in business
What sets XAIGATE apart from other payment gateways is its exceptional customer support. Small businesses often need guidance, and XAIGATE offers more than just transactional support. Their customer service team is available around the clock to help troubleshoot issues, provide strategic advice, and ensure smooth integration with your existing processes. Sounds sweet, right?
Additionally, XAIGATE provides detailed analytics to help you understand your customer’s payment behavior and make data-driven decisions for growth. You’ll have the insights you need to optimize your payment processes and improve your business operations.
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