Digital currency payments are steadily expanding across Asia, with China included. Mainland China maintains tight control over crypto transactions, making the environment complex. Nevertheless, companies in Hong Kong, those serving Chinese users, or international businesses are increasingly adopting dependable crypto payment methods. This guide will cover the best crypto payment gateways for Chinese merchants to help you pick the right one.
Cryptomus
Cryptomus is a global payment gateway available in China, supporting more than 120 cryptocurrencies. It suits both large enterprises and smaller online businesses. Fees begin at 0.4% with complete transparency, giving companies more control over spending.
The platform is designed for speed and security. Withdrawals are normally processed in one to two minutes, and it’s audited by Certik. Security includes two-factor authentication, IP whitelisting, and PIN codes. Merchants are also safeguarded against crypto volatility with automatic stablecoin conversion.
Additional tools such as auto-withdrawal and mass payout options streamline operations. It also supports API integrations with over 20 plugins. With multi-language support and the ability to withdraw fiat via SEPA, SWIFT, and P2P exchanges, handling international payments becomes simple.
TransiFi
TransiFi offers a hybrid crypto and fiat solution that connects global companies with Chinese customers and partners. It connects widely used payment platforms like Alipay with stablecoins such as USDC and USDT, offering fast, low-fee cross-border transactions that follow China’s financial regulations.
Businesses can manage CNY payments alongside crypto on- and off-ramps within a single platform. Transaction fees are between 0.5% and 1%.
The platform is easy to integrate. Ready-made plugins support Shopify, WooCommerce, Magento, and Wix, while full API access and a zero-code widget allow immediate stablecoin acceptance.
HashKey Exchange
HashKey Exchange is a Hong Kong-based platform designed for institutional-level security and compliance. Fully licensed by the Hong Kong SFC, it provides a regulated environment for businesses conducting crypto transactions. The exchange supports direct HKD and USD deposits and maintains 98% of assets in cold storage to protect client funds.
It offers a range of Crypto-as-a-Service services that help institutions adopt digital payments, on-chain applications, and asset tokenization. While access is restricted in mainland China due to regulations, the platform works well for Hong Kong merchants or companies involved in cross-border operations who value security and regulatory adherence.
Alchemy Pay
Merchants can use Alchemy Pay to accept cryptocurrency payments while receiving settlement in local currency. The company’s presence in Asia and partnerships with Chinese banks make it a trusted option for businesses in the area.
Digital payments made in Bitcoin, Ethereum, or other cryptocurrencies are immediately converted into local fiat. This minimizes exposure to market fluctuations while preserving the convenience of using crypto.
Alchemy Pay integrates with AllValue as well as widely used Chinese payment options like Alipay and WeChat Pay, offering merchants a fast and compliant way to serve Chinese-speaking customers.
OxaPay
OxaPay targets Chinese-speaking markets such as Hong Kong, Taiwan, and Singapore. The platform enables merchants to process a broad range of cryptocurrencies and stablecoins through plugins, payment links, and POS systems.
Base fees start at 0.4%, ensuring competitive costs. OxaPay also provides white-label options for businesses seeking customized payment solutions.
Despite restrictions on cryptocurrency in mainland China, OxaPay remains available to merchants in Hong Kong or those serving international customers. Its adaptable features and cost-effective pricing make it ideal for online businesses focused on Chinese-speaking clients.
How To Pick a Crypto Gateway in China?
When choosing a crypto payment gateway in China, merchants must navigate strict mainland regulations. To serve Chinese-speaking customers successfully, merchants need platforms legally registered in Hong Kong or elsewhere. Important elements include minimal fees, robust security, and multiple payment choices. Choosing a platform that balances compliance with functionality ensures secure and efficient payments.
