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Key Factors Influencing the Development Cost of Crypto Payment Gateway - zainabegum - 07-18-2025
Crypto payment gateways are slowly becoming super-important in the modern-day world! But why is this happening? That’s because more businesses started to accept cryptocurrencies.
More than 15,000 enterprises accept crypto payments worldwide in 2024. And the market is estimated to cross more than $5 billion by the year 2030.
No matter whether you are looking for a simple MVP or an advanced crypto payment gateway development. The first thing you should know is the cost involved and what drives the cost.
your expenses better!
Key Factors Influencing the Development Cost of Crypto Payment Gateway
Before diving into learning the overall expenses, you need to understand what causes them. There are numerous regulatory and operational factors that influence the overall budget.
Here’s a breakdown of the key factors to consider,
1. Type of Payment Gateway
There are two primary models, custodial and non-custodial. Custodial gateways involve managing users’ funds and require infrastructure for storage and access control. Non-custodial gateways rely on user-owned wallets, making the architecture simpler.
2. Supported Currencies & Blockchains
Supporting multiple cryptocurrencies requires individual integrations, and each of them comes with its own protocols and testing requirements.
3. Integration Requirements
Connecting with wallets, exchanges, point-of-sale systems, or APIs for invoicing, KYC, and analytics increases technical scope. The more integrations, the more time required.
4. Security Protocols
Implementing encryption, anti-fraud systems, and KYC/AML compliance is crucial. These elements ensure trust, reduce risk, and may involve third-party tools or custom development.
5. Regulatory Compliance by Region
Selecting the region of operation impacts your costs. Because different locations come with their own set of regulations, which sometimes even affect the development timeline.
Say, for example, in the USA, the crypto payment gateways come under the category of MSB or Money services businesses.
These must be registered with FinCEN and comply with AML rules.
Similarly, in European countries, crypto payment gateways must comply with PSD2. This includes the implementation of strong customer authentication and meeting security standards.
But remember, regulatory compliance is something you can’t escape. So, try to align with them and stick to it in your crypto payment gateway development journey.
Cost Breakdown by Development Methods to Build a Crypto Payment Gateway
How you build your crypto payment gateway has a direct impact on both the timeline and the budget. There are two common approaches, i.e., custom development or using a white-label solution.
1. Custom Development from Scratch
This approach involves building the gateway entirely from the ground up. It allows full control over the backend, smart contracts, UI/UX, security layers, and blockchain integrations.
It’s well-suited for unique business models or large-scale deployments.
The cost starts from $18,500, depending on features, region, and team structure.
2. White-Label Payment Gateway Solutions
White-label platforms offer pre-built frameworks that can be customized and integrated into your ecosystem.
They reduce development time and simplify initial deployment. However, flexibility is limited compared to custom builds.
The cost starts from $7950 based on the provider, customization level, and integration needs.
Choosing between these methods depends on your goals, speed, simplicity, full ownership, and scalability.
Conclusion
To build a successful crypto payment gateway, you need to have proper planning and execution. Have your focus equally on all three factors, namely, security, scalability, and ongoing maintenance.