Romania is slowly becoming one of the most active Eastern European countries in digital payments and blockchain adoption. Although the Romanian leu (RON) remains the standard currency, crypto payments and stablecoins are increasingly taking hold among freelancers, e-commerce stores, and global service exporters.

This blog discusses how payments work in Romania, how hybrid gateways can be used by local businesses for RON and crypto, what to check before choosing a gateway, and much more.

Understanding payment gateways in Romania’s context

Let’s break it down. 

• A fiat payment gateway in Romania refers to a platform that allows your customers to pay you in RON (or possibly EUR) via cards, bank transfers, or local wallets, and offers settlement into your business bank account in RON.
  
• A crypto payment gateway in Romania lets you accept digital assets in Romania, immediately convert them into RON or other preferred fiat if you wish, or hold on to your crypto and make a settlement accordingly.

In a country like Romania, where traditional finance is well-established but crypto adoption is steadily growing, hybrid payment gateways are simply the smartest choice. They give Romanian businesses flexibility without friction, letting them serve both local customers who prefer cards and bank transfers and international clients who pay in stablecoins or digital assets. 

How can businesses in Romania benefit from crypto payment solutions

Here is how Romanian businesses can benefit:

• Reach both local RON-paying customers and global crypto users to instantly expand your market.
  
• Cut down on currency conversion issues and settlement delays by accepting crypto directly.
  
• Manage both RON and crypto payments from one platform without juggling multiple systems.
  
• Reduce cart abandonment and improve checkout conversions.
  
• See higher average order values as crypto users often spend more per transaction.
  
• Boost your overall sales and simplify your global operations.

Things to look out for while choosing a Web3 payment gateway in Romania

Here is a checklist:

• Check if the gateway supports RON payments, integrates with local systems, and allows settlement in RON.
  
• Confirm it accepts stablecoins or crypto tokens and offers easy conversion to RON or another fiat.
  
• Make sure the gateway complies with Romania’s laws and MiCA requirements.
  
• Ensure strong protection against fraud, volatility, and custody risks.
  
• Look for simple API/plugin integration and a smooth checkout flow.
  
• Understand conversion timelines, transaction fees, and any exposure to FX or crypto volatility.
  
• Choose a gateway that provides clear records for crypto-to-fiat conversions and tax reporting in Romania.

Also read about: Best Crypto and Fiat Payment Gateway in Greece – Accept EUR and Crypto Payments Safely Online

Why is TransFi Checkout the best crypto & fiat gateway in Romania?

Here’s how TransFi Checkout stands out when you look for the best payment gateway Romania for both fiat and crypto:

• It offers a unified gateway.
  
• Supports 100+ countries, 40+ currencies, 130+ digital assets and 300+ local payment methods.
  
• Comes with a very reasonable processing fee.
  
• Includes in-built conversion tools so you can accept crypto and convert quickly into your preferred fiat.
  
• Provides plugins for major e-commerce platforms (Shopify, WooCommerce) as well as full API for custom flows.
  
• Built with regulated payment environments in mind, which is a plus given Romania’s evolving crypto/legal environment.

If you’re a business wanting to accept both RON and crypto, while ensuring secure online payments in Romania alongside global reach, sign up at TransFi Checkout today.

How to accept RON and crypto securely in Romania via TransFi

Here’s a step-by-step guide:

1. Sign up at TransFi Checkout and set your settlement preferences.
   
2. Integrate the checkout on your website or app.
   
   
3. A Romanian client pays in RON: 

• They select the RON/fiat payment method
• Payment processes through standard rails
• Funds settle in RON (or your chosen fiat) into your account
  

4. A client pays in crypto: 

• Payment is captured in crypto
• TransFi converts it (if you choose) into your preferred fiat 
• Settles into your account
  

5. You keep a check on conversion rates, fees, and settlement timing via the dashboard.

The current regulatory landscape

The main crypto framework of Romania falls under its AML law (Law 129/2019, as amended), which brings crypto-asset service providers, such as exchanges and custodial wallets, under the ambit of anti-money laundering obligations. 

The country is also in the process of aligning itself with the EU's MiCA regulation and has a draft ordinance in place already to authorize and oversee CASPs.

On the payments side, crypto transactions are legally allowed, provided there is a mutual agreement between parties in Romania. In practice, most businesses allow crypto but prefer to convert it into fiat at the point of sale for ease of accounting and stability.

To sum it up, accepting crypto in Romania is becoming feasible and increasingly regulated, but you must pick a gateway such as TransFi Checkout that supports compliance, proper settlement, and the dual rails (fiat + crypto).

Also read about: Best Crypto and Fiat Payment Gateway in Ireland – Secure EUR and Crypto Gateways for Irish Businesses

Future outlook

• Online commerce will continue growing. Romania’s e-commerce market is increasing double digits year-on-year.
  
• The crypto payment adoption among merchants will grow with the expansion of international clients, digital services, and fintech sectors.
  
• Gateways offering hybrid payment solutions in Romania (RON + crypto) will move from niche to standard for businesses with global reach.
  
• Regulation will become more defined. Businesses using compliant gateways like TransFi Checkout will have an advantage as MiCA and local ordinance roll in.

For Romanian businesses looking to go global, combining crypto and fiat payments with local settlement is one of the smartest ways to grow. With TransFi Checkout, you can accept payments from anywhere in the world in digital assets, convert them to EUR, and settle locally in Romania in a way that is both quick and compliant. Sign up today on TransFi and equip your business with EUR and crypto payment rails seamlessly. 

FAQs

1. What are the things to look for while integrating crypto payments into Romanian e-commerce?
   You should check: support for both crypto and RON payment rails, regulatory compliance, ease of integration with your site/platform, clear fee and conversion model, as well as strong security.
   
2. What are the benefits of using hybrid fiat and crypto gateways for merchants in Romania?
   Benefits include: 

• Expanding your client base
• Simplifying your tech stack
• Providing future-proof payment capability
• Increasing basket size
• Reducing cart abandonment
  

3. What is the guide to accepting fiat and crypto payments in Romania?

• Sign up on a gateway such as TransFi Checkout that supports RON + crypto
• Integrate into your website/app 
• Enable both crypto and RON payment methods 
• Decide settlement currency (RON or convert to EUR or other)
• Monitor fees and conversion
• Maintain compliance and tax documentation.
  

4. Which are the most secure and fast payment processors for RON and crypto?
   TransFi Checkout is amongst the most secure and fast payment processors for RON and crypto. It offers both rails (RON/fiat + crypto), low fees, strong security, global reach, and easy integration.
   
5. Why is it important to use only compliant crypto payment gateways for Romanian businesses?
   Crypto-asset services in Romania are subject to AML rules, regulatory oversight is rising, and tax implications apply. Using a non-compliant gateway in such a scenario exposes you to legal, tax, and operational risk.