Estonia's leading cryptocurrency payment gateway (2026)

Core Insights

Estonia's crypto payment gateway enables merchants to process payments, convert cryptocurrency into fiat currency, and access blockchain infrastructure.

MiCA regulations have completely changed the cryptocurrency industry in Estonia. The framework requires companies to obtain new licenses, adjust operations or cease business activities.

Companies can choose from different payment systems, including merchant gateways, bank partnerships, Lightning Network options and encryption infrastructure.

Estonia has earned a well-deserved reputation as a blockchain and financial technology center. The country has supported digital innovation for many years. Today, it remains home to several companies that provide crypto payment services to merchants and businesses.

The implementation of the European Union's Cryptographic Asset Markets Regulation (MiCA) has significantly changed the industry landscape. Some Estonia's crypto payment gateways have obtained the necessary authorizations, while others are still adapting to new regulatory requirements.

Despite these changes, businesses can still access reliable cryptographic payment gateways and blockchain infrastructure providers. This guide focuses on some of Estonia's leading crypto payment gateways and the services they provide.

Estonia's enterprise-class B2B crypto payment gateway

Dream Finance Oü (CoinsPaid / CryptoProcessing)

Dream Finance Oü is the provider behind the CoinsPaid and CryptoProcessing platforms and one of the most well-known cryptocurrency payment gateways in Estonia. The company enables merchants to accept cryptocurrency payments from customers around the world.

The platform provides encrypted payment processing, virtual wallet solutions, cryptocurrency and fiat currency exchange services, and cryptocurrency exchanges. It also provides functions such as OTC trading, SaaS platform licensing and cross-chain recovery. These characteristics make it suitable for business use.

CoinsPaid processed crypto transactions worth billions of euros. The company previously held a virtual asset service provider (VASP) license issued by the Financial Intelligence Service of Estonia.

is currently applying for MiCA Cryptographic Asset Service Provider (CASP) authorization. During the transition period, Dream Finance positioned itself as a trustworthy blockchain payment infrastructure provider.

Finrax-B2B cryptographic payment gateway

Finrax is a B2B cryptographic payment gateway in Estonia that serves merchants in the international market. Although the company mainly operates in Lithuania, it also supports companies in Estonia and across Europe.

The platform provides instant settlement and fixed exchange rates to help companies reduce risks associated with fluctuations in cryptocurrency prices. The company offers payment processing tools designed to speed up transactions and make them more predictable.

Crypto Payment Gateway in Estonia Finrax's Official Page

The company processes millions of transactions in more than 170 countries around the world. It has announced that it will stop providing cryptocurrency-related services until it obtains a MiCA license. Companies should confirm the availability of services in advance.

Swapin (Ungaro LLC)-Instant Crypto Payment Settlement

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

The company adopts a non-managed strategy that allows companies to receive digital assets through non-traditional managed services. In addition, the company also provides companies with invoicing tools to simplify cross-border crypto payments.

This Estonia crypto payment gateway supports a variety of mainstream cryptocurrencies and provides fast settlement speeds. It also won the Mastercard FINITIV People's Choice Award.

The platform has passed an independent audit by Grant Thornton and is therefore trustworthy in the European fintechnology field.

Striga Technology OÜ/Lightspark Payments Europe

Striga Technology OÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜÜLater, it became part of Lightspark and transformed into an enterprise payment infrastructure provider.

Now renamed Lightspark Payments Europe, the company provides embedded cryptographic payment APIs, also provides cryptographic custody services, bank-as-a-service, virtual IBAN, card issuance and real-time cross-border settlement.

The company combines blockchain technology with traditional financial services to serve businesses across Europe. It also leverages Bitcoin Lightning technology to provide fast, low-cost digital payments.

After obtaining its first MiCA CASP license, the company became one of the largest crypto infrastructure companies in Estonia. It also holds an Electronic Money Institution (EMI) license.

Hybrid Liquidity and Commercial Payment Platform

CreaFast (eazypayz.com)

CreaFast Oü was a former payment service provider in Estonia that provided customized payment workflows and settlement solutions. The company has provided payment-related services to businesses.

However, the company terminated all services effective July 1, 2026. This move is related to changes in European cryptocurrency regulation. The company said it does not store customers 'funds, cryptocurrencies or outstanding balances.

All customer accounts have been closed or are being cleared. As a result, CreaFast's business as a cryptographic payment gateway in Estonia has ceased.

CoinMetro-a trusted crypto-payment platform

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

CoinMetro previously held a virtual asset service provider license from the Estonia Financial Intelligence Agency. It also applied for MiCA CASP authorization in Malta.

In 2026, the company suspended some services, such as account opening, deposit and withdrawal. CoinMetro entered the restructuring process, citing financial difficulties, industry issues and regulatory pressures as reasons.

PayHare

PayHare is a payment technology provider focusing on open banking and account-to-account payments. The provider provides payment solutions for multiple industries including iGaming, streaming, dating and digital services.

Its platform focuses on direct bank payments and cross-border payment paths. The company uses the Open Banking API to connect businesses to banking networks.

PayHare operates in a wider range of payments areas. But there is not much information about specialized cryptographic payment gateways or Estonia cryptographic licenses.

WhiteBIT (Estonia Entity/ W Group)

WhiteBIT is a large European cryptocurrency exchange ecosystem, some of its business related to Estonia. The company provides a range of encryption services to businesses through its Whitepay platform.

The Whitepay platform provides merchant payment solutions, encrypted checkout, POS payments, invoice and donation processing. Companies can also obtain cryptocurrency custody, OTC services, and institutional crypto infrastructure.

Whitepay also supports the payment process that is encrypted to fiat currency through a bank connection. The platform provides services to companies that need to integrate digital assets into existing payment infrastructure.

Some relevant entities of the W Group have obtained MiCA authorizations in European jurisdictions. As such, WhiteBIT is the regulated cryptographic infrastructure provider in the region.

Estonia's Open Banking, Lightning Network and Infrastructure Cryptographic Payment Gateway

Lastbit

Lastbit is a payment project focused on the Bitcoin Lightning Network. It aims to make Bitcoin payments faster and cheaper for daily users.

The project focuses on instant transactions and Lightning Network-based payment solutions. Its technology was later associated with Striga, which is now integrated into Lightspark Payments Europe.

Today, its role is mainly seen as part of the evolution of modern lightning payment infrastructure.

Trustyfy

Trustyfy is a financial technology company registered in Tallinn that provides corporate banking tools and crypto payment services.

This Estonia crypto payment gateway provides corporate card services, European corporate accounts and digital asset payment services. Trustyfy supports multiple cryptocurrencies and uses an unmanaged method.

Trustyfy's core focus is to give companies control of their own funds. The company integrates traditional financial instruments and crypto-friendly payment infrastructure into one dashboard.

Conclusion

Estonia continues to play an important role in the European crypto payment ecosystem. The country has 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 suspended operations or adjusted their business priorities.

For businesses looking for a crypto payment gateway in Estonia, understanding the current services of each provider is crucial. The right platform depends on business needs, payment requirements and the digital asset solutions supported.