Crypto Payment Gateway

A cryptocurrency payment gateway works much like a traditional one, with a few differences that matter at the till: no intermediaries, settlement in minutes and no exposure to price swings. With 981Block, a merchant accepts crypto at checkout and every payment is converted to euros automatically. Customers pay with the coin they already hold; the business receives euros in its bank account and never has to hold, manage or account for digital assets.

Fast, global transactions

Cryptocurrencies remove the friction of cross-border payments. A customer anywhere in the world can pay in crypto and the merchant receives euros without waiting for the banking cut-off: no banking hours, no bank holidays, no correspondent banks in the middle. Faster settlement means cleaner cash flow and one less reason for a buyer to abandon the checkout.

Lower transaction costs

Fees on crypto payments are meaningfully lower than those charged on traditional card rails. For a business with high sales volume that gap goes straight to the margin, without giving up speed or security.

Stronger security, less exposed data

Every transaction is recorded on a blockchain, so it is immutable, verifiable and easy to reconcile, which cuts payment fraud at the root. Customers never hand over card or bank details, so there is less sensitive data to store and less to lose. 981Block layers KYC and AML controls on top through its partnership with Bit2Me, so both parties are identified as the rules require. If your own contracts sit anywhere in the flow, our blockchain security audits review them before they handle real money.

Settlement without the operational headache

The old dilemma with crypto payments was conversion: customers want to pay in crypto, finance teams need euros in the accounts. 981Block handles the conversion end to end, so the merchant books a euro amount and nothing changes in its accounting.

No banking intermediaries

Our cryptocurrency payment gateway 981Block removes the dependency on banks and third parties. No frozen accounts, no transfers stuck for days, no surprise currency conversion charges on international sales.

Three steps, and only the first one involves your customer:

1. The customer pays in cryptocurrency at the point of sale or the online checkout, using their own wallet.
2. 981Block processes the transaction and converts it to euros automatically through Bit2Me.
3. The business receives euros in its bank account, with no exposure to crypto market volatility.

No technical expertise required. 981Block works with physical card terminals and online checkouts without additional software, and it is compatible with POS platforms such as ICG, so a shop, a restaurant or an online store can adopt it at its own pace. For anything less standard, such as subscriptions, marketplaces or split payouts, our team runs the integration end to end, including any smart contract development the setup calls for.

Support for the leading cryptocurrencies

The gateway accepts the leading cryptocurrencies, Bitcoin, Ethereum and USDT among them, so you widen your customer base without adding operational complexity.

Automatic conversion to your local currency

Volatility is the first objection every finance director raises. With 981Block each payment is converted to euros the moment it is taken, so the amount you invoice is the amount you receive.

Support from the team that sets up your gateway

The people who set up your gateway are the ones who support it afterwards, through a direct channel: whoever answers already knows your integration and how your business runs, and there are no intermediate tiers to go through.

Proven, reliable infrastructure

The platform is built to handle high transaction volume quickly and safely, and the integration with Bit2Me covers regulatory checks and fraud protection. Behind it sits a team with 75+ blockchain projects delivered for 30+ clients across 4+ countries, and 0 hacks in production.

Compliance built into the flow

981Block applies KYC (Know Your Customer) and AML (Anti-Money Laundering) procedures, and crypto-asset services in the EU operate within the MiCA framework. One boundary is worth keeping clear: MiCA covers crypto-assets and utility tokens, while a token that qualifies as a financial instrument falls under securities rules instead, meaning MiFID II and, in Spain, the LMVSI. Accepting crypto payments and our MiCA / MiFID II classifier are two different projects under two different regimes. This describes the framework; it does not replace a case-by-case review. If you are unsure where yours fits, start with our MiCA / MiFID II classifier.

A control panel your finance team will use

Merchants follow transactions in real time, review settled payments and export the figures they need for reconciliation, without asking anyone for a report.

Options that scale with the business

From a single online store to a chain with dozens of points of sale, the same gateway adapts to the volume, the currencies and the reporting each business needs.

Sectors that benefit from cryptocurrency payment gateways

E-commerce and marketplaces

Online retail is where the gap shows fastest. Accepting crypto brings in international buyers without currency conversion friction or heavy banking fees, and with 981Block payments are settled in euros without waiting for the banking cut-off, so the shop sells beyond its usual geography without changing how it operates.

Online gaming and betting

Gaming and betting were early adopters of crypto for a simple reason: players expect deposits and withdrawals to clear in minutes. Blockchain settlement removes the intermediary and keeps the cash-in and cash-out flow predictable.

SaaS and digital services

Software and digital businesses use crypto payments to reach customers in markets where card acceptance is unreliable, cutting processing costs and avoiding bank holds on cross-border collections.

International companies

For companies operating in several countries, international transfers become faster and cheaper. Integrating 981Block simplifies treasury and takes friction out of expansion into new markets.

When a crypto gateway is not the answer

If your customers are domestic, pay by card without complaint and have never asked for crypto, a gateway adds a payment method nobody will use. It earns its place when you sell across borders, when fees and chargebacks take a visible bite out of the margin, or when your audience already holds crypto and paying with it is the natural option for them.

What if you need to collect without volatility?

If the goal is for the amount collected not to depend on the exchange rate at settlement time, the route is stablecoin payment integration: same settlement speed, pegged to an official currency.