As the financial landscape evolves, regulatory frameworks like the Markets in Crypto-Assets (MiCA) Regulation are reshaping the payments industry. MiCA, established by the European Union, provides a structured approach to the regulation of crypto-assets and related payment services. Businesses seeking MiCA regulated payments must ensure compliance while choosing the right payment providers.

This guide explores the five best MiCA-regulated payment providers in 2025:

1. Ivy

2. Yapily

3. Stripe

4. TrueLayer

5. Plaid

Best MiCA Regulated Payment Providers in 2025

Ivy

Ivy is redefining digital payments with its Open Banking-based solutions that cater to businesses of all sizes. With a focus on instant transactions, lower fees, and security, Ivy offers a robust alternative to traditional card and wallet-based payment methods.

Key Benefits of Ivy

• Coverage Champion: Ivy partners with top-tier local banks and Open Banking providers, ensuring businesses maximize their bank coverage.

• Conversion Champion: With advanced smart routing technology, Ivy selects the best local Open Banking infrastructure for each transaction in real-time, achieving conversion rates of over 90%.

• Enhanced User Experience: Returning customers benefit from pre-populated banking details, eliminating the need to select their bank repeatedly, thus streamlining the payment process.

• Fraud Reduction: Ivy leverages Strong Customer Authentication (SCA)-compliant Open Banking payments to eliminate chargeback fraud.

Ivy’s Products

• Instant Payments: Businesses can accept low-cost, real-time payments directly from customer bank accounts.

• Recurring Payments: Ivy facilitates flexible, frictionless recurring transactions that are more secure than Direct Debit and cheaper than card payments.

• Instant Payouts: Businesses can offer fast, reliable payouts to their customers with instant transaction processing.

Ivy’s Fees

Ivy offers custom pricing, tailored to business needs. Get in touch with us for more information here.

Yapily

Yapily provides a powerful Open Banking platform that enables crypto businesses to access financial data and execute payments seamlessly via APIs. By supporting instant, secure bank-to-bank transactions, Yapily reduces the reliance on intermediaries, which helps lower transaction costs and settlement times. The platform emphasizes compliance with key financial regulations, including fraud prevention, anti-money laundering (AML) measures, and secure customer onboarding. Yapily’s flexible and scalable infrastructure is designed to accommodate businesses of all sizes, helping them optimize operations and make data-driven decisions. 

For more information, visit Yapily's crypto solution page here.

Stripe

Stripe supports crypto businesses with global payment solutions, including payment processing and payouts, through a single integration. It features fraud prevention and authorization optimization. Stripe also enables the use of stablecoins, offering a seamless infrastructure to move, store, and convert them. Additionally, Stripe offers a fiat-to-crypto onramp to facilitate cryptocurrency purchases and integrates various payment methods for global transactions. 

Stripe ensures compliance with financial regulations for crypto businesses, offering tools that adhere to relevant legal and regulatory frameworks. This includes compliance with anti-money laundering (AML) standards and other regional requirements. Stripe's infrastructure is designed to support legal transactions in the crypto space while managing risk and maintaining security.

For more details, you can explore Stripe's crypto page here.

Truelayer

TrueLayer provides Open Banking solutions designed to help crypto businesses streamline payments and enhance customer onboarding. By enabling instant fiat-to-crypto transactions with strong authentication, TrueLayer reduces fraud risks and failed payments while improving conversion rates. Its API-driven infrastructure allows businesses to integrate secure, high-speed payment flows with minimal friction.

With ready-made UI components, TrueLayer makes it easier for businesses to offer seamless deposit experiences while ensuring compliance with financial regulations. The platform supports secure account verification, reducing manual processes and enhancing security. TrueLayer’s Open Banking technology also helps businesses expand into new markets by offering localized, real-time payment options.

By removing the need for card payments and reducing operational costs, TrueLayer provides a cost-effective alternative for crypto platforms looking to scale efficiently. Its solutions ensure that businesses can offer fast, secure, and compliant payment experiences to customers globally.

For more details, visit TrueLayer’s crypto page here.

Plaid

Plaid offers API-driven solutions to help crypto businesses streamline account onboarding, funding, and transactions. By enabling users to securely link their financial accounts, Plaid facilitates seamless fiat-to-crypto payments, reducing friction in the customer experience. Its integration helps businesses minimize fraud risks while improving conversion rates and transaction speed.

Plaid’s technology also supports secure wallet connectivity, ensuring users can move funds efficiently between accounts. With a focus on security and compliance, the platform helps crypto businesses meet regulatory requirements while providing a smooth user experience.

For more details, visit Plaid’s crypto page here.

Conclusion

As MiCA regulations shape the future of financial transactions, businesses must choose payment providers that align with compliance requirements, while offering efficiency, security, and cost-effectiveness. For businesses seeking a MiCA-compliant payment solution in 2025, Ivy, Yapily, Stripe, Truelayer, and Plaid each provide unique benefits. However, Ivy’s high conversion rates make it a top choice for businesses looking to modernize their payment processing while maintaining compliance.