Leading Crypto Payment Gateways in Estonia (2026)

Key Insights:

• Crypto payment gateways in Estonia enable merchants to process payments, convert crypto to fiat, and access blockchain infrastructure.
• MiCA has revolutionized Estonia’s cryptocurrency sector. This framework requires companies to obtain new licenses, revamp their operations, or stop their activity.
• Businesses can choose different payment systems. It includes merchant gateways, bank partnerships, Lightning Network options, and crypto infrastructures.

Estonia has earned a well-deserved reputation for itself as a blockchain and fintech center. The country has supported digital innovation for many years. Today, it remains home to several companies providing crypto payment services for merchants and enterprises.

The implementation of the European Union’s Markets in Crypto-Assets (MiCA) regulation has significantly changed the industry. Some crypto payment gateways in Estonia have already secured the necessary authorizations. However, others continue adapting to the new regulatory requirements.

Despite these developments, businesses can still access reliable crypto payment gateways and blockchain infrastructure providers. This guide highlights some of the leading crypto payment gateways in Estonia and the services they offer.

Enterprise B2B Crypto Payment Gateways in Estonia

Dream Finance OÜ (CoinsPaid/CryptoProcessing)

Dream Finance OÜ is the provider behind the CoinsPaid and CryptoProcessing platforms. It is one of the best-known cryptocurrency payment gateways in Estonia. The company enables merchants to accept cryptocurrency payments from customers globally.

The platform provides crypto payment processing, virtual wallet solutions, crypto-to-fiat conversion services, and cryptocurrency exchanges. OTC trading, SaaS platform licensing, and cross-chain recovery are also available. These characteristics make the company suitable for enterprises.

CoinsPaid processed billions of euros worth of crypto transactions. The company held an Estonian FIU Virtual Asset Service Provider (VASP) license earlier.

An application for a MiCA Crypto-Asset Service Provider (CASP) authorization is pending now. During the transition period, Dream Finance positions itself as a trustworthy provider of blockchain payment infrastructure.

Finrax– A B2B Crypto Payment Gateway

Finrax is a B2B crypto payment gateway in Estonia that serves merchants in international markets. While the company operates primarily in Lithuania, it also supports businesses in Estonia and across Europe.

The platform provides instant settlements and fixed exchange rates. Such features help businesses decrease their risk associated with cryptocurrency price volatility. The company offers payment processing tools aimed at making transactions quicker and more predictable.

Crypto Payment Gateway in Estonia Finrax’s Official Page | Source: finrax.com

The company processes millions of transactions in more than 170 countries around the globe. It has announced that it will stop providing cryptocurrency-related services until obtaining the MiCA license. Businesses should check the availability of services beforehand.

Swapin (Ungaro LLC) – Instant Crypto Payment Settlement

Swapin is a Tallinn-based fintech company that connects crypto payments with the European banking system. The platform allows merchants to accept digital asset payments and settle them instantly into SEPA bank accounts.

The company employs a non-custodial strategy, allowing businesses to receive digital assets using non-traditional custodial services. Additionally, the company provides businesses with invoicing tools for simplified cross-border crypto payments.

This crypto payment gateway in Estonia supports several major cryptocurrencies and provides fast settlement speeds. It was also recognized with the Mastercard FINITIV People’s Choice Award.

The platform passed the independent audits of Grant Thornton and thus is trustworthy in terms of European fintech.

Striga Technology OÜ/Lightspark Payments Europe

Striga Technology OÜ started as a blockchain infrastructure company specializing in Bitcoin Lightning Network. Later, it became a part of Lightspark, becoming an enterprise payment infrastructure provider.

Now called Lightspark Payments Europe, the company provides embedded crypto payment APIs. It also offers crypto custody services, banking as a service, virtual IBANs, card issuing, and real-time cross-border settlements.

The company merges blockchain technologies with traditional financial services to serve businesses across Europe. It also uses Bitcoin Lightning technology to provide fast and low-cost digital payments.

The firm became one of the largest crypto infrastructure companies in Estonia after getting the first-ever MiCA CASP license. It also holds an Electronic Money Institution (EMI) license.

Hybrid Liquidity & Commercial Payment Platforms

CreaFast (eazypayz.com)

CreaFast OÜ was an Estonian payment service provider offering customized payment workflows and settlement solutions. The company used to provide payment-related services to businesses.

However, the firm terminated all services from 1 July 2026. This move was associated with changes in crypto regulation in Europe. The company stated that it does not store customers’ funds, cryptocurrencies, or outstanding amounts.

All customer accounts have been shut down or are being liquidated. In consequence, CreaFast stopped its operations as a crypto payment gateway in Estonia.

CoinMetro – A Trusted Crypto Payment Platform

CoinMetro is a crypto exchange and financial services platform based in Tallinn. Previously, the company provided services for digital asset trading, payment solutions, and crypto-related financial services.

CoinMetro previously held a license as an Estonian FIU Virtual Asset Service Provider. It also applied for MiCA CASP authorization in Malta.

In 2026, the company suspended some services such as onboarding, deposits, and withdrawals. CoinMetro entered into the process of restructuring, stating the financial difficulties, problems with the industry, and regulatory pressure as reasons.

PayHare

PayHare is a provider of payment technologies specializing in open banking and account-to-account payments. The provider offers payment solutions for various industries including iGaming, streaming, dating, and digital services.

Its platform focuses on direct bank payments and cross-border payment routing. The company connects businesses with banking networks using open banking APIs.

PayHare works in the wider payment segment. However, there is not much information about dedicated crypto payment gateways or Estonian crypto licenses.

WhiteBIT (Estonian Entity/W Group)

WhiteBIT is a big European crypto exchange ecosystem with some operations connected to Estonia. The company offers a range of crypto services for businesses through its Whitepay platform.

The Whitepay platform offers merchant payment solutions, crypto checkout, POS payments, invoices, and donation processing. Businesses may also get cryptocurrency custody, OTC services, and institutional crypto infrastructure.

Whitepay also supports payment flows in the form of crypto-to-fiat using banking connections. The platform offers services for companies that need to integrate digital assets into existing payment infrastructures.

Some related entities of the W Group have received MiCA authorizations in European jurisdictions. Thus, WhiteBIT is a regulated provider of crypto infrastructure in the region.

Open Banking, Lightning & Infrastructure Crypto Payment Gateways in Estonia

Lastbit

Lastbit was a Bitcoin Lightning Network-focused payment project. It aimed to make Bitcoin payments faster and cheaper for everyday users.

The project focused on instant transactions and Lightning-based payment solutions. Its technology later became connected with Striga, which is now part of Lightspark Payments Europe.

Today, its role is mainly viewed as part of the development journey behind modern Lightning payment infrastructure.

Trustyfy

Trustyfy is a fintech company registered in Tallinn offering both business banking tools and crypto payment services.

This crypto payment gateway in Estonia provides corporate card services, European business accounts, and payment services for digital assets. Trustyfy supports several cryptocurrencies and operates with a non-custodial approach.

The key focus of Trustyfy is providing businesses with control over their funds. The company combines traditional finance instruments and crypto-friendly payment infrastructure into one dashboard.

Conclusion

Estonia continues to play an important role in Europe’s crypto payment ecosystem. The country is home to established providers such as CoinsPaid, Swapin, and Lightspark Payments Europe.

At the same time, the market is changing due to new regulatory requirements. Some companies have expanded their services, while others have paused operations or shifted their focus.

For businesses looking for crypto payment gateways in Estonia, understanding each provider’s current services is essential. The right platform depends on business needs, payment requirements, and supported digital asset solutions.

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