CryptoReview
Submit listing

CoinGate

Crypto payment gateway with 1% processing and MiCA licensing since 2025

Payment gateway Founded 2014 Lithuania
Visit coingate.com
Our score
Very good
Be the first to review
Processing fee 1%
Settlement CryptoStablecoinsFiatAuto-conversion
Settle in stablecoins Yes
Self-hosted option No
Business verification (KYB) Yes

What is CoinGate?

CoinGate is a Lithuania-based crypto payment gateway founded in 2014. Businesses can accept BTC, USDC and 10+ other crypto assets, then settle payments in EUR, USD, stablecoins or crypto. The company says it has processed more than 7 million payments and serves 500+ businesses.

Company and regulatory status

CoinGate is operated from Vilnius by the Lithuanian company behind the CoinGate brand. It began operations with a three-person team in Vilnius. The service obtained a MiCA license in the European Union on December 17, 2025, and applies KYC and AML controls to merchant accounts. Its regulated status applies within the relevant EU framework. Merchant obligations can differ by country.

How the gateway works

A merchant can use a hosted checkout, payment links, email invoices, payment channels, an API or a no-code dashboard. E-commerce plugins support WooCommerce, Magento 2, PrestaShop, OpenCart, Shopify, WHMCS and Wix. The API includes a sandbox for testing payment and payout workflows, as well as billing and balance management.

At checkout, CoinGate generates a payment address and locks the exchange rate for the invoice. After confirmation, the incoming asset can be settled to a bank account or crypto wallet, or converted into EUR, USD or stablecoins. Payment channels provide a permanent blockchain deposit address for one client. This lets clients deposit without creating a new invoice each time. CoinGate also holds crypto and fiat balances, supports refunds, and offers crypto payouts with saved wallet addresses. BSC and Polygon were added as network options for several coins in June 2026. EURC is available across payments, payouts, refunds, deposits and conversion on Ethereum.

Fees and availability

Standard merchant processing costs 1% per completed order, with no upfront subscription cost or monthly fee on the Standard plan. Standard-plan EU businesses can make SEPA withdrawals for free, while the minimum withdrawal fee is 50 EUR. Standard-plan fiat settlements run weekly by default. Enterprise customers can negotiate on-demand schedules.

CoinGate supports payouts in 180+ countries. Merchant onboarding requires KYC and KYB checks, including business registration documents and proof of identity. The assets, settlement currencies and payout routes available to a merchant depend on the account and jurisdiction.

Track record and risks

CoinGate launched crypto payouts in January 2025 and obtained its MiCA license in December 2025. It processed 1.42 million crypto payments in 2025. In the first half of 2026, it processed 782,403 crypto payments and completed 8,155 payouts. USDC represented 22.1% of payments in that period, ahead of Bitcoin at 21.0%.

Merchants rely on CoinGate while funds are held or converted, creating counterparty and provider-shutdown risk. Crypto payments are generally irreversible, so an incorrect address or amount can create a loss. Volatility can affect funds before settlement, and regulatory coverage does not remove merchant-country requirements. Supported networks and asset availability can also differ.

Best for:E-commerce merchants accepting cryptoEU businesses settling in EURPlatforms sending crypto payoutsTeams needing API payments

Pros and cons

Pros

  • 1% processing fee per completed order
  • Fiat, stablecoin and crypto settlement options
  • Plugins for WooCommerce, Shopify, Magento 2 and others
  • Payouts available in 180+ countries
  • MiCA-licensed in the EU since December 2025
  • API includes a sandbox environment

Cons

  • Standard-plan settlements run weekly by default
  • Minimum withdrawal fee is 50 EUR
  • Merchant KYC and KYB are required
  • Funds depend on CoinGate while held or converted
  • Asset and network availability varies by jurisdiction
  • Crypto payment mistakes are generally irreversible

Our review

4.0/5
Very good

CoinGate combines regulated settlement, payouts and integrations with a 1% standard processing fee and custodial counterparty exposure.

Fees3.5
Integrations4.5
Settlement options4.5
Reliability4.0
Support3.5

CoinGate is a Lithuania-based payment gateway founded in 2014. Merchants can accept crypto, settle in EUR, USD or stablecoins, send payouts, manage balances and export transaction records from one account.

Standard merchants receive weekly automatic fiat settlements in EUR, GBP or USD, while enterprise clients can negotiate on-demand schedules. Incoming funds can also remain in crypto or convert to stablecoins. Standard-plan fiat settlement runs weekly by default, and the minimum withdrawal fee is 50 EUR. The standard processing fee is 1% per completed order, with no upfront subscription or monthly fee on the Standard plan.

CoinGate offers an API with a sandbox, a no-code dashboard, payment links, payment channels and plugins for WooCommerce, Magento 2, PrestaShop, OpenCart, Shopify, WHMCS and Wix. Billing, refunds and recurring payments are also covered. Recurring billing launched in May 2026, while payment channels added permanent blockchain deposit addresses for individual clients in July 2026.

Asset support covers BTC, USDC and 10+ crypto assets. CoinGate added EURC on Ethereum in June 2026, along with BSC and Polygon network options for several coins. Bitcoin Cash native was removed in July 2026. Network and asset availability depends on the merchant's checkout flow.

CoinGate became MiCA-licensed in the EU on December 17, 2025, applies KYC and KYB to merchants, and supports payouts in 180+ countries. Funds can be held in a regulated CoinGate account, so merchants face provider custody and shutdown risk rather than controlling every settlement wallet directly. Crypto payments are irreversible, and volatility remains a concern when settlement is not converted promptly.

Listings are researched and drafted with AI assistance from public sources, then checked for accuracy and readability. Spot an error? Tell us. Editorial policy.
Sources (1)

Specs

Processing fee 1% · unverified
Settlement Crypto, Stablecoins, Fiat, Auto-conversion · unverified
Integrations WooCommerce, Magento 2, PrestaShop, OpenCart, Shopify, WHMCS, Wix, API, Payment links · unverified
Invoicing Yes · unverified
Recurring payments Yes · unverified
Mass payouts Yes · unverified
Self-hosted option No
Business verification (KYB) Yes · unverified
Settle in stablecoins Yes · unverified
Merchant countries 180+ countries · unverified
API & SDKs Yes · unverified

Not disclosed by the provider: Coins supported, Point of sale.

Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.

Key features

Hosted crypto checkout

Customers pay invoices at a fixed exchange rate, while CoinGate confirms the blockchain payment and settles it to the chosen destination.

Fiat settlement

Merchants can convert incoming crypto into EUR, USD or stablecoins before withdrawal to a bank account or crypto wallet.

Payment channels

A permanent blockchain deposit address can be assigned to one client. Clients can therefore deposit without a new invoice for each payment.

E-commerce plugins

Ready-made integrations cover WooCommerce, Magento 2, PrestaShop, OpenCart, Shopify, WHMCS and Wix.

API and sandbox

The API supports payments, payouts, billing and balance management, with a sandbox for testing integrations.

Recurring billing

Weekly or monthly invoices can be generated on schedule and emailed automatically, with optional start and end dates.

Crypto payouts

Businesses can send crypto or stablecoins from their CoinGate balance, save recipient addresses and convert currencies before sending.

Accounting controls

Role-based permissions, transaction filters and CSV account statements support reconciliation across crypto and fiat balances.

Inside CoinGate

Checkout integration

Merchants can accept crypto through a ready-made checkout flow, payment links, email invoicing or a custom API integration. The API includes a sandbox for testing.

Billing

Billing tools create crypto invoices and manage payment flows. Recurring billing can generate and email invoices weekly or monthly on a set schedule.

Solutions

CoinGate provides tailored crypto payment setups for businesses, including payment acceptance, settlement and operational workflows.

Plugins

E-commerce plugins connect crypto payments to platforms including WooCommerce, Magento 2, PrestaShop, OpenCart, Shopify, WHMCS and Wix.

Payment channels

Payment channels assign a permanent blockchain deposit address to a client. This lets clients make repeated deposits without a new invoice for each payment.

Crypto payouts

Businesses can send crypto and stablecoin payouts from their CoinGate balance, save recipient wallet addresses and convert currencies before sending.

Manage & exchange

The account supports deposits, holding, conversion and withdrawals across crypto and fiat balances. Conversions can be handled manually in the dashboard or through the API.

User management

Teams can assign account permissions and manage access for different operational roles.

Multi-currency account

Businesses can keep crypto and fiat balances in one account, with statements and CSV exports for reconciliation and reporting.

Merchant refunds

Merchants can issue refunds for crypto purchases through the platform.

CoinGate screenshots

CoinGate’s homepage shows a crypto payment gateway for global businesses with navigation and product interface previews
CoinGate’s homepage shows a crypto payment gateway for global businesses with navigation and product interface previews · Oct 20, 2026
Docs: CoinGate’s Cryptocurrency Payment API documentation page with navigation, API features, and payment integration details
Docs: CoinGate’s Cryptocurrency Payment API documentation page with navigation, API features, and payment integration details · Oct 20, 2026
Billing: CoinGate’s crypto invoicing landing page explains requesting and receiving payments with an invoice interface preview
Billing: CoinGate’s crypto invoicing landing page explains requesting and receiving payments with an invoice interface preview · Oct 20, 2026

What users say about CoinGate

The available user feedback is sparse and mostly promotional, with a few firsthand reports praising successful gift card use and the merchant directory. No recurring product complaints are supported by at least two different authors.

Top goods

  1. Smooth gift card redemption 2 people 12
  2. Useful merchant directory 2 people 12

In their own words

“It's been quite some time since I had a need for this kind of service, but I have used coingate.com/giftcards a few times with no issues.”
Reddit · r/CryptoCurrency · Mar 10, 2026 · View post
“Trading as a mix of side-income and a hobby here too. On the real-world usage side of things I’ve only experimented in low risk ways. I've used CoinGate gift cards vouchers a couple of times like a test for Steam and PlayStation cards.”
Reddit · r/TRXTrading · Jan 27, 2026 · View post
“Do you spend bitcoin anywhere? Probably a dumb question, but where do you spend bitcoin? I’m trying to use it more instead of just holding, but I don’t know if people actually spend it. I found this directory while digging around, which was useful, but curious where people spend bitcoin.”
Reddit · r/Bitcoin · Jan 30, 2026 · View post

Based on 200 Reddit posts and comments from the last 12 months, checked Oct 18, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.

User reviews

No user reviews yet. Have you used CoinGate? Share your experience below.

Write a review of CoinGate

Your rating
At least 40 characters. Please write about your own experience.

Reviews are moderated before they appear.

FAQ

Who founded CoinGate?

CoinGate began operations in 2014 with a three-person team in Vilnius, Lithuania.

How much does CoinGate charge?

CoinGate's Standard plan charges 1% per completed order and has no upfront subscription or monthly fee. SEPA withdrawals are free for EU-based Standard plan businesses, while the minimum withdrawal fee is 50 EUR.

Is CoinGate available worldwide and does it require KYC?

CoinGate supports payouts in 180+ countries and requires KYC and KYB verification for merchants. Verification includes business registration documents and proof of identity.

Is CoinGate safe for holding merchant funds?

CoinGate operates as a MiCA-licensed crypto service provider in the EU and lets businesses hold crypto and fiat balances in a regulated account. The custody model leaves merchants exposed to provider counterparty and shutdown risk.

Which coins and networks does CoinGate support?

CoinGate supports BTC, USDC and 10+ crypto assets, with EURC available on Ethereum. BSC and Polygon network options were added for several coins in June 2026, while bitcoin-cash:native was removed in July 2026.

Can CoinGate handle recurring crypto payments and payouts?

Yes, CoinGate supports recurring billing and crypto payouts. Recurring invoices can run weekly or monthly, while payouts can be sent from a CoinGate balance to saved recipient addresses.

Latest from CoinGate on X

CoinGate
@CoinGatecom · 9.9K followers
Follow
Until this week, accepting crypto deposits worked one way: new invoice, new address, every single time. Now there's a second way.

A payment channel is a permanent blockchain deposit address tied to one client. They deposit whenever they need to, with no checkout and no expiry. Every deposit is detected, attributed to the right client, and settled the way you choose: keep the crypto or auto-convert to EUR, USD, or GBP.

No more invoices, expired addresses, no reconciliation spreadsheets quietly growing in someone's downloads folder.

If your business receives repeated deposits from the same clients (ad networks, marketplaces, SaaS, hosting, proxy services), this removes an entire category of work.

Channels are enabled on request while we scale access. The announcement covers how it works and how to get started. https://t.co/LvR9bdcJO7
Image attached to the post
4 1 8 792 View on X
For years, BTC was the most-used payment asset at our checkout. In H1 2026, that changed.

Our new data report is out, covering 782,403 crypto payments processed between January and June. The short version: stablecoins moved to the front.

A few numbers that stood out:

USDC finished the half at 22.1%, overtaking BTC at 21.0% as the most-used payment asset. Its share more than doubled in a year, from 9.3% to 22.1%.

75.4% of orders were settled to fiat, and the crypto-settled share has now fallen for three halves in a row. Merchants want predictable cash flow and clean books.

93.2% of payouts ran through the API, up from 83.3% a year earlier. Manual payouts are quietly disappearing.

Volume grew 21.4% year over year with no single spike. Crypto payments are behaving less like a campaign and more like infrastructure.

The full report covers asset mix, settlement, networks, geography, and a practical checklist for your own setup. Find it in the comment section.
Image attached to the post
4 0 6 800 View on X
We thought about it and today we're dropping bitcoin-cash:native from our supported currencies because nobody uses it and it's a burden to maintain.
56 8 29 20.1K View on X
EURC (Euro Coin) stablecoin is now live on CoinGate.

You can use it across the full flow: payments, payouts, refunds, deposits and currency conversion.

For now it runs on the Ethereum network.

Here's why it matters. Most European businesses that accept stablecoins end up holding dollars. Nothing wrong with that... until you need to pay euro invoices, euro salaries, euro taxes, and the EUR/USD rate gets a say in how much you actually keep.

EURC fixes that. If your books are in euros, your stablecoin can be too. Your euros stay euros, from the moment a customer pays to the moment you put the funds to work.

Thinking it's time your settlements spoke the same language as your accounting? Start with us.
Image attached to the post
2 0 1 541 View on X
Billing the same customer every week or month? You no longer have to send the same invoice manually, again and again.

We just shipped recurring billing.

Set a frequency (weekly or monthly), pick a start date, and optionally define an end date. We handle the rest. Invoices are generated on schedule and emailed to your customer automatically.

Learn more: https://t.co/wFOYgHFnlx
Image attached to the post
3 0 2 561 View on X

Recent public posts from @CoinGatecom, shown as published. Not reviewed or endorsed by CryptoReview.

Alternatives to CoinGate

B2BinPay

Enterprise crypto payment gateway and wallet infrastructure supporting over 350 digital assets

Crypto · Stablecoins +2InvoicingSettle in stablecoins
4.2

BTCPay Server

Open-source, self-hosted Bitcoin and Lightning payment processor charging 0% processing fees

CryptoInvoicingRecurring payments
4.1

Crypto.com Pay

Crypto payment gateway processing over $300M annually with zero-fee options and fiat settlement

Crypto · Fiat +1InvoicingRecurring payments
4.1

Flexa

Digital asset payment gateway with 99+ assets and 0% conversion or custody fees on payouts

Crypto · Stablecoins +2Point of saleSettle in stablecoins
4.1

NOWPayments

Crypto payment gateway supporting 350+ assets with a 1% starting fee

Crypto · Stablecoins +2InvoicingRecurring payments
4.1

SHKeeper

Open-source, self-hosted crypto payment processor charging 0% transaction fees

Crypto · StablecoinsInvoicingSelf-hosted option
4.0
CoinGate vs B2BinPay CoinGate vs BTCPay Server CoinGate vs Crypto.com Pay CoinGate vs Flexa
Visit CoinGate