How to Receive Crypto Payment in France? Top Service Providers

Key Insights:

• Binance Pay collaborated with French giant Ingenico in 2023, which took the crypto payment trend in the country on a massive scale.
• Autorité des Marchés Financiers is an independent regulatory body that regulates France’s financial markets.
• France introduced the PACTE Act in 2019, which established a legal framework for digital assets. This opened the door for crypto payment gateways in the Country.

France entered the crypto market in 2019. That year, the country passed the PACTE Act, which legalized digital assets. It introduced a registration framework for Virtual Asset Service Providers (VASPs). That officially legitimized the companies operating in this domain.

It also indirectly opened the door for the crypto payment gateways in the country. In 2022, AMF (Autorité des Marchés Financiers), a regulatory body responsible for securing financial markets, registered Binance.

France became the first major European nation to grant regulatory approval to a crypto exchange. In 2023, Binance partnered with a French-native global payments firm, Ingenico. Together, they launched an in-store crypto payments service in the country using Binance Pay.

This was one of the largest and most visible rollouts of a crypto payment gateway for brick-and-mortar retail in France. After this, the floodgates opened for Web3 firms providing payment services. Today, dozens of companies are operating throughout the country.

How Crypto Payment Gateways Work in France?

Crypto Payment Gateways work as intermediaries. Mercnets use these in order to easily accept cryptocurrencies and convert them into Euros. They operate in the same way as traditional card processors like Stripe and Worldline.

The workflow is as follows:

1. Integration: The merchant will integrate the payment gateway into an API, a plugin (such as WooCommerce & Shopify), or a payment terminal.
2. Customer payment: At the time of purchase, the customer will scan a QR code or pay with their digital wallet to pay for their order. The payment gateway will generate an invoice in the customer’s chosen cryptocurrency (BTC, ETH, USDT, etc.).
3. Confirmation: Once the transaction is processed, the blockchain confirms the payment. Many crypto payment gateways offer the option of near-instant settlement. Otherwise, they hold the funds until a set number of confirmations have been completed.
4. Conversion and Settlement: Many crypto payment gateways automatically convert the cryptocurrency to euros (to protect from the volatility). They then make the EUR payout to the merchant through SEPA bank transfers. Some crypto payment gateways also allow merchants to hold the cryptocurrency in their accounts.
5. Compliance: Gateways handle KYC/AML checks (if required) and report to authorities. They also ensure compliance with AMF/DASP or MiCA rules.

Key Advantages of Using Crypto Payment Platforms in France

• Low or no fees when compared to traditional card use (typically 0.5–1%)
• Global reach
• Fast settlements (with stablecoins, especially)
• Reduced potential for fraud due to blockchain transparency
• Ability to process purchases in stores with either QR or near field communication technology through a terminal.

Businesses choosing crypto payment gateways must ensure that they are registered and compliant with French/EU regulations.

Prominent Crypto Payment Gateways Serving in France

Guardarian

Guardarian is a crypto-to-fiat gateway. It is ideal for French businesses wanting to convert crypto payments into fiat currencies. Estonian entrepreneur Petr Sergeev founded this platform in 2017, headquartered in Prague, Czech Republic. He is currently serving as the CEO of the company.

Operating under EU regulations, this firm offers reliable account-free service. That enables customers to buy and sell over 1000 cryptocurrencies. Supported by different payment methods, it’s a go-to place for all crypto enthusiasts.

Crypto Payment Gateway Guardarian’s Official page | Source: guardarian.com

Guardarian is a non-custodial crypto payment gateway. This suggests that private information remains secure, and they never store your assets. The merchant receives each dime in their personal wallet. The platform makes crypto accessible by offering a variety of local options.

Currently supported fiat currencies include USD, EUR, CAD, AUD, KRW, ILS, RON, ARS, INR, and many more. Additionally, it offers a range of payment methods. Bank transfers, Apple Pay, Google Pay, Revolut, Open Banking, SEPA, SPEI, Visa, Mastercard, and PIX are all included in this.

Coinbase Commerce (Evolved in Coinbase Business)

Crypto exchange Coinbase launched Coinbase Commerce worldwide, including in France, on Feb 15 2018. The aim was to enable mainstream businesses to accept the payments in digital assets. However, it was shut down this year on March 31, 2026.

Coinbase merged its services into its new venture, Coinbase Business. It is an all-in-one platform for businesses using stablecoins. It provides them with the facilities of custody, account integrations, payments, and payouts.

As per Coinbase’s official page, this platform is currently available only in the United States and Singapore. This means businesses operating only in these 2 countries can apply for a Coinbase Business account and continue accepting crypto payments.

However, Coinbase has plans to expand to more countries throughout t026. People residing in France can still do retail trading and buy/sell crypto through Coinbase’s official website or app. Businesses and institutions can leverage Coinbase Institutional for advanced trading.

Bitnovo Pay

Bitnovo Pay is a crypto payment gateway, launched in France in May 2023. The non-custodial platform started with selling Bitcoin vouchers at over 3.000 points of sale. These vouchers are a means to buy crypto with cash.

Later, in November 2023, the firm obtained PSAN (Prestataire de Services sur Actifs Numériques)

registration from the French AMF. This approval helped them legally offer their crypto services in the country.

Bitnovo’s payment gateway enables businesses to accept payments from BTC to USDC on their website or in their physical store. Businesses receive the exact amount in euros while the customers pay in cryptocurrencies. This minimizes volatility risk, as the price remains fixed at the time of the transaction.

Bitnovo Pay employs robust security to protect funds throughout each transaction. They developed a procedure that ensures both compliance and peace of mind. It supports various e-commerce systems via documented APIs and plugins, enabling fast integration. Their cryptocurrency payment gateway processes payments in minutes and does not require complex methods.

Confirmo

Confirmo is a Czech crypto and stablecoin payment processor. The platform received MiCA authorization on December 16, 2025. The Central Bank of Ireland issued this to its Irish subsidiary named Confirmo Limited.

The company registered as a CASP (Crypto-Asset Service Provider) and became the first Czech firm to obtain a MiCA license. This authorization approves Confirmo to operate in all 27 EU member States, including France.

Confirmo enables businesses to make global payments faster and with greater transparency using stablecoins. It enables retailers to quickly conduct transactions, deliver substantial rewards, accept cryptocurrency payments, and settle seamlessly.

The platform offers real-time payment processing, automated currency conversions, and powerful reporting tools. These features all integrate with ease and work seamlessly.

BTCPay Server

BTCPay Server is an open-source, self-hosted cryptocurrency payment gateway. It is free to use, secure, private, and resistant to censorship. This platform was the result of the frustration of French developer and entrepreneur Nicolas Dorier.

Around 2017, Bitcoin was facing a major scaling problem. The blocks were full, fees were rising, and there were disagreements on all sides on how to increase the capacity. To solve the issue and double the block size limit, developers proposed SegWit2x, a contentious hard fork, in November 2017.

Many in the Bitcoin community questioned and opposed this new development. They were concerned that this hard fork could split the chain, create security issues, and affect Bitcoin’s decentralization narrative.

BitPay openly supported SegWit2x. Dorrier was dissatisfied with this approach, which led directly to the creation of BTCPay Server that same year. Since its launch, the platform has grown into an essential piece of infrastructure for businesses and organizations accepting Bitcoin payments.

BTCPay Server allows users to accept Bitcoin payments without the use of middlemen. Merchants’ payment servers are directly connected to their own Bitcoin nodes. They get complete control over their finances and transaction history.

Aurpay

Aurpay offers a crypto payment gateway that you can access through its advanced API or official platform. Founded in 2021, it allows merchants to receive crypto payments directly, adhering to local regulations.

It provides businesses with a safer, faster, lower-cost way to accept crypto payments and send crypto payouts. The platform saves 90% on fees. It charges only 0.8%, which is considerably lower than other options.

Aurpay has an innovative Smart contract feature that enables 100% non-custodial control over funds. It doesn’t hold your funds or private keys, so you have full authority over the received payment.

The platform offers secure, cross-border payment solutions that enable users to accept Bitcoin payments online in real time. It is a member of the Money Services Business (MSB). That organization strictly follows AML, ATF, and other risk control measures for crypto payments.

The Growing Role of Crypto Payment Gateways in France

Crypto Payment Gateways are essentially changing the way businesses throughout France accept payments. Cryptocurrencies are becoming part of everyday life through innovations and greater regulatory clarity.

In past years, France has taken several important steps to position itself as a major crypto leader in Europe. It was among the first countries to enact a cryptocurrency law (PACTE) and to implement regulations for operator compliance (MiCA).

Businesses across France are extensively integrating compliant cryptocurrency payment gateways. This approach is helping them broaden their customer base. As adoption grows, merchants who embrace these tools today are bound to gain the first-mover advantage.

The post How to Receive Crypto Payment in France? Top Service Providers appeared first on The Coin Republic.