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Swapin

Swapin

Accept crypto, receive fiat

Swapin is a licensed EU crypto payment gateway that enables businesses to accept cryptocurrency payments and receive settlement in fiat (EUR, GBP, USD) directly to their bank account. SwapinCollect offers crypto payment links merchants can share via invoices — customers pay with crypto without the merchant needing technical integration or a crypto wallet.

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Swapin - Crypto Payment Gateway for Business
Description

Swapin is a licensed and regulated crypto payment gateway engineered in the European Union. Established in 2017, it bridges cryptocurrencies and traditional banking, enabling businesses to accept digital assets while receiving settlement in fiat currency directly to their bank account.

Key Features

  • SwapinCollect — Generate customizable payment links that customers can pay via MetaMask, Trust Wallet, or any WalletConnect-compatible wallet. Supported cryptocurrencies include Bitcoin, Ethereum, USDC, LTC, and more. The exchange rate is locked for 30 minutes, ensuring the merchant receives the exact invoiced amount in fiat.

  • Instant Fiat Settlement — 95% of transactions are processed and funds arrive in the merchant's bank account in under 5 minutes, eliminating crypto volatility risk.

  • No Technical Integration Required — Start accepting crypto by simply sharing a payment link via invoice, email, or messaging apps. No API development or crypto wallet needed.

  • Stablecoin Payments — Accept stablecoins from global clients with settlement in EUR, USD, or GBP, with zero integration and zero setup fees.

  • Crypto Buy/Sell Widget — Integrate a white-label widget into your platform so your users can buy and sell cryptocurrencies directly.

  • Business Invoice Payments — Use cryptocurrency to pay business invoices and send money to any SEPA bank account via a Named IBAN.

Swapin is fully licensed (FVT000088) and complies with EU AML regulations, providing a compliant and secure payment processing environment for businesses of all sizes.

Highlights

Pros

  • 95% of crypto-to-fiat transactions settle in under 5 minutes, with funds arriving directly in the merchant's bank account in EUR, GBP, or USD.
  • Crypto payments are irreversible once confirmed on-chain, eliminating chargeback fraud and giving businesses predictable cash flow.
  • Exchange rate locked for 30 minutes on SwapinCollect and SwapinPay, ensuring the merchant or payer receives the exact invoiced fiat amount regardless of volatility.
  • EU-licensed and regulated crypto-asset provider (license FVT000088) audited by Grant Thornton, ensuring institutional compliance standards.
  • SwapinCollect requires zero technical integration — businesses generate a payment link and share it via invoice or email to start accepting crypto immediately.
  • Non-custodial architecture — works with major Web3 wallets (MetaMask, Ledger, Trust Wallet) via WalletConnect and never holds users' private keys.

Cons

  • Some users report delays and extensive documentation requests during the compliance and KYC review process, impacting onboarding speed.
  • Fiat currency support is limited to EUR and GBP, and the platform is primarily SEPA-focused, restricting usability for non-European businesses.
  • Settlement times can extend beyond 5 minutes on weekends and bank holidays when non-instant SEPA transfers are used instead of Instant SEPA.
  • Supported cryptocurrency selection is narrower than competitors — core supported coins are BTC, ETH, LTC, BCH, DASH, TRX, USDC, and BNB.
  • Starter verification level caps are relatively low (€10,000 monthly buy, €4,000 monthly sell), requiring tier upgrades for higher volumes.