The EU’s MiCA legislation is establishing a more unified regulatory framework. It becomes easier for companies in Poland to implement crypto payment gateways.
There is a growing interest in non-custodial crypto payment gateways. Businesses can now use services such as BoomFi, PYMSTR, and BlockBee to receive payments in personal wallets.
Crypto payment gateways in Poland provide several features. That includes stablecoin settlements, recurring payments, SEPA payments, API integration, and fiat payments.
Poland is turning into a key market for crypto payments. More and more businesses are accepting digital assets for online purchases and cross-border payments. This trend is giving rise to the need for trustworthy crypto payment gateways in Poland.
As a member state of the European Union, Poland adheres to the principles of the Markets in Crypto-Assets (MiCA) regulation. MiCA sets general standards for crypto-asset service providers.
Despite some national legislation still pending, EU-licensed service providers may operate in Poland. Local firms also continue to register as VASPs (Virtual Asset Service Providers). It helps businessmen feel more comfortable when selecting a processor.
If merchants want to receive Bitcoin or stablecoins safely in their stores, choosing a good provider is essential. The following crypto payment gateways in Poland offer great advantages.
1. BoomFi: All-in-one Web3 Crypto Payment Gateway in Poland
BoomFi is a crypto payment gateway infrastructure with a Polish entity, BoomFi Poland Sp. z o.o. The service provider is registered as a Virtual Asset Service Provider in Poland.
The platform supports Ethereum, Polygon, Solana, Arbitrum, Tron, and BNB Chain. More blockchain networks will be added later.
Top Crypto Payment Gateway in Poland | Source: boomfi.xyz
Merchants may accept one-time payments, subscriptions, invoices, and usage-based billing. The payments are processed via hosted checkout pages, payment links, and APIs.
BoomFi allows users to settle payments in any cryptocurrency, including stablecoins. The merchants may also choose to settle in fiat currencies: EUR, USD, and GBP.
The platform uses a self-custody payment solution, in which merchants hold their wallets and private keys. Moreover, BoomFi provides real-time AML monitoring and integration with accounting systems like Xero and QuickBooks.
Key Features:
Registered Polish VASP
Multiple blockchain networks
Crypto and fiat settlements
Hosted checkout and payment links
Integration via API
Recurring billing and invoicing
Self-custody payments
Real-time AML monitoring
Best for: Businesses that require subscriptions, recurring billing, and reliable crypto payment infrastructure.
2. SpectroCoin: Supporting SEPA Instant and SWIFT Transfers
SpectroCoin operates on behalf of Spectro Finance OÜ. It is an Estonia-based company serving customers from the whole European Economic Area, including Poland.
The platform does not serve only as a payment processor. Along with being a crypto payment gateway in Poland, the platform offers exchange services, digital wallets, and even Visa debit cards.
The merchants may accept Bitcoin and various other cryptocurrencies. SEPA and SEPA Instant payment methods are used for quick Euro settlements. The developers may integrate SpectroCoin using APIs and plugins for popular e-commerce platforms.
Key Features
Crypto payment gateway
Crypto exchange services
Digital wallets
Visa debit cards
SEPA and SEPA Instant
API and eCommerce plugins
Best for: Companies that need payment processing and crypto exchange services.
3. PYMSTR: Non-custodial Stablecoin Payment Gateway
PYMSTR is a non-custodial payment gateway designed specifically for stablecoin payments. It accepts USDC and USDT stablecoins on Ethereum, Base, Polygon, Arbitrum, and BNB Chain blockchains.
Money goes straight into the merchant’s wallet. The company never keeps any client money. PYMSTR charges a flat rate of 1% for transactions. There are no subscription plans, reserve requirements, FX spread, or minimum processing amount.
The service also offers APIs, checkout pages, and payment split services. This makes it convenient for businesses operating in several countries.
Key Features
Non-custodial payment gateway
Supports USDC and USDT stablecoins
Five blockchain networks
Flat rate 1% fee
No monthly costs
Payment split
API integration
Best for: Merchants looking for simple, transparent, and stablecoin payments.
4. BlockBee: Specialized Crypto Payment Gateway in Poland
BlockBee is one of the most popular solutions among crypto payment gateways in Poland. Its non-custodial system means that merchants receive payments directly to their wallets.
BlockBee accepts more than 70 different cryptocurrencies. The fee scheme varies depending on transaction volumes. The standard percentage is 1%, with a chance to go down to 0.25%.
The processor offers various options, including APIs, a payment button, a WooCommerce plugin, and an automatic payout tool. These features make it great for developers and online sellers.
Key Features
Non-custodial payments
Supports 70+ cryptocurrencies
Volume-based fee
WooCommerce plugin
API integration
Automated payouts
Best for: Developers and online stores.
5. Mercuryo: Fiat-to-crypto Payments Infrastructure Platform
Mercuryo is a fiat-to-crypto payments solution. It helps businesses enable customers to acquire cryptocurrencies via convenient payment methods. Users can pay for over 70 cryptocurrencies via debit/credit cards, Apple Pay, Google Pay, bank transfers, and other regional methods.
The platform works in more than 150 countries and supports over 25 fiat currencies. Businesses can easily integrate their services via APIs and SDKs. Merchants usually receive fiat settlements.
Mercuryo is certified with ISO 27001:2022. The platform also supports a simplified KYC process for low-value transactions in eligible regions.
Key Features
Fiat-to-crypto gateway
Over 70 cryptocurrencies supported
Apple Pay and Google Pay
API and SDK integrations
Fiat settlements
ISO 27001:2022 certified
Best for: Businesses offering customers an easy-to-use cryptocurrency buying process.
6. PayPilot: A Bridge Between Crypto and Traditional Banking Infrastructure
PayPilot is a Polish crypto payments provider founded by PILOT INNOVATION SP Z O O. It is registered as a Virtual Asset Service Provider. The platform combines crypto payments, a wallet, and a card service.
Businesses can accept crypto payments and perform instant swaps. Users can store BTC, ETH, USDC, USDT, and EUR in multi-currency wallets. The platform allows users to open EUR IBAN accounts for SEPA transfers.
Debit cards with PayPilot support Apple Pay and Google Pay. The processor also utilizes AML and KYC processes, segregating reserves, and multi-signature cold storage.
Key Features
Polish VASP
Crypto payment gateway
Multi-currency wallets
Instant crypto swaps
EUR IBAN accounts
SEPA transfers
Apple Pay and Google Pay
Multi-signature cold storage
Best for: Businesses requiring locally registered crypto payment providers.
How to Choose a Crypto Payment Gateway in Poland?
It doesn’t matter which company you choose. Each company’s payment requirements may differ. In any case, do not compare providers based on only one aspect, such as transaction fees.
First, determine whether the provider complies with MiCA and VASP requirements, or at least holds the necessary registration. Check the list of supported cryptocurrencies, blockchains, and settlements. If you want to receive fiat payouts, pay attention to the EUR settlement services.
Additionally, it is necessary to compare the API performance, eCommerce plugins, security features, and customer support services. Do not forget about fees; check out transaction, conversion, and settlement fees.
Conclusion
The market of crypto payment gateways in Poland is rapidly growing. The companies offer their customers services such as crypto payments, stablecoin settlements, and fiat conversions.
BoomFi offers robust payment solutions for scaling companies. SpectroCoin offers payment services and exchange solutions.
PYMSTR is oriented toward stablecoin transactions, and BlockBee is suitable for non-custodial payments. The most suitable for fiat-to-crypto services is Mercuryo, and PayPilot has a locally registered office in Poland.
The best crypto payment gateway in Poland depends on your business model, settlement type, cryptocurrencies, and compliance requirements.