Looking for reliable fiat payment gateways with instant bank transfer options

I run a small remote consulting business and we have been receiving payments from clients across different countries. Some clients prefer paying with local credit cards, while others want to use direct bank transfers like SEPA or ACH. Our main problem is the delay and high conversion fees from standard international banking rails. We are looking into using digital asset payment ramps to speed up settlements and keep conversion costs manageable. The main requirement is having a gateway that works reliably in multiple countries without locking accounts for random verification delays. Curious what platforms or gateways you guys use to accept client payments smoothly.