Anna Kratky Strebl in @TheFintechTimes on why subscriptions are the real test for stablecoins: https://t.co/DSFKicn7Er https://t.co/fJQqD26KrE
Confirmo
Crypto and stablecoin payment processor with MiCA and Irish PI licenses operating since 2014
3.9/ 5
Our score
Good
Processing fee
0.5%
Settlement
CryptoStablecoinsFiatAuto-conversion
Settle in stablecoins
Yes
Self-hosted option
No
Business verification (KYB)
Yes
What is Confirmo?
Confirmo is an enterprise crypto payment gateway enabling merchants to accept digital assets, execute automated mass payouts, and handle recurring stablecoin subscriptions with fast settlement in fiat or cryptocurrency.
Corporate background and governance
Originally established in Prague in 2014 under the name BitcoinPay in partnership with European crypto exchange Coinmate, the platform rebranded to Confirmo. The company is led by Chief Executive Officer Anna Štrebl, with product strategy led by Chief Product Officer Ritesh Patel. The company maintains dual European authorizations, operating under Confirmo Limited with a Payment Institution license from the Central Bank of Ireland alongside Markets in Crypto-Assets regulation.
Payment flows and supported networks
Confirmo provides non-self-hosted processing infrastructure that bridges onchain payments with conventional accounting. Merchants integrate checkout flows via a REST API, webhook notifications, embedded payment buttons, or an open-source WooCommerce plugin. The platform processes payments across eight networks: Arbitrum, Bitcoin, Ethereum, Litecoin, Optimism, Polygon, Solana, and TRON. For recurring revenue models, Confirmo Subscribe lets merchants pull pre-approved stablecoin payments directly from self-custody wallets via WalletConnect or connected exchange accounts. In-person transactions are handled through a virtual web terminal and a mobile point-of-sale interface compatible with the Bitcoin Lightning Network.
Pricing and settlement options
Merchant transaction fees range from 0.5% to 0.8% per processed invoice, with setup and ongoing account maintenance offered for free. High-volume enterprises can negotiate reduced rates. Settlement settles in minutes into merchant accounts in crypto, stablecoins such as USDC and USDT, or fiat currencies. Bank deposits via SEPA in EUR and CZK are restricted to verified businesses holding domestic European Union bank accounts.
Regulatory status and operational track record
The service operates across all 50 U.S. states and 141 countries globally. By April 2026, Confirmo processed over $100M in cumulative USDC volume, maintaining a 99.97% platform uptime and a 99% merchant retention rate. Its recurring subscription smart contracts completed an external security audit by Halborn in July 2026. Business onboarding requires full business verification (KYB) before live payment endpoints can process transactions.
Counterparty trade-offs and operational risks
Because Confirmo is a custodial payment processor, funds face short counterparty exposure between customer settlement and merchant withdrawal. Crypto transactions are chargeback-free, meaning incorrect recipient wallet entries or customer misrouting cannot be reversed. Furthermore, fiat bank withdrawals remain limited to EU accounts, and developer onboarding lacks a dedicated sandbox, requiring merchants to test integrations using low-cost live blockchains.
Best for:European merchants needing fiat payoutsSaaS platforms billing recurring stablecoinsTrading firms executing bulk disbursementsRetailers using WooCommerce plugins
Pros and cons
Pros
- Holds both MiCA authorization and a Central Bank of Ireland Payment Institution license
- Processing fees between 0.5% and 0.8% with zero monthly software costs
- Smart contracts for recurring stablecoin billing audited by Halborn
- Operates across all 50 U.S. states and 141 countries
Cons
- Fiat bank settlements are restricted to businesses with European bank accounts
- No dedicated sandbox environment, requiring live-chain testing with real funds
- Merchant funds face custodial counterparty exposure prior to wallet payout
- Standard transaction fee of 0.8% is higher than unverified peer-to-peer gateways
Our review
3.9/5
Good
Confirmo delivers compliant, MiCA-licensed stablecoin billing and payouts for European and international merchants, though fiat bank settlements remain limited to verified EU business accounts.
Confirmo operates as a specialized crypto and stablecoin payment processor originating in Prague in 2014 under the name BitcoinPay. Led by CEO Anna Štrebl, the gateway serves businesses across 141 countries, handling invoice checkouts, recurring billing, and batch mass payouts. By April 2026, the platform had processed over $100M in cumulative USDC volume while maintaining 99.97% uptime.
The service distinguishes itself through European regulatory status, holding a Markets in Crypto-Assets (MiCA) authorization alongside a Payment Institution license from the Central Bank of Ireland. Its transaction fee ranges between 0.5% and 0.8% depending on monthly volume. That processing fee comes in above alternatives like Cryptomus at 0.4% or NOWPayments at 0.5%, but Confirmo pairs the rate with direct bank settlements in EUR and CZK for European enterprises.
Key advantages center on enterprise stablecoin tooling and speed. Settled payments arrive within minutes across networks including Arbitrum, Optimism, Solana, Polygon, Tron, Ethereum, and Bitcoin Lightning Network. Its Subscribe feature lets merchants run recurring pull payments from exchange accounts and over 700 self-custodial wallets, audited by Halborn Security. Integration options include a WooCommerce plugin, open-source API documentation, email invoicing, embedded payment buttons, and virtual point-of-sale functionality.
Weaknesses relate to sandbox availability and geographic limitations on fiat access:
- Fiat bank withdrawals in EUR and CZK require a verified EU bank account, restricting non-EU businesses to crypto-only settlements.
- The platform lacks a formal testnet sandbox, requiring merchants to test integrations using live low-fee networks like Litecoin, Tron, or Lightning.
- Self-hosted deployment is unsupported, meaning all transaction routing depends directly on Confirmo's hosted infrastructure.
Confirmo suits regulated European corporations and subscription platforms that need compliant fiat-to-crypto bridging. Merchants outside the EU needing local fiat offramps should evaluate providers with wider international banking networks.
Specs
| Processing fee | 0.5% · unverified |
|---|---|
| Settlement | Crypto, Stablecoins, Fiat, Auto-conversion · unverified |
| Integrations | WooCommerce, API, Webhooks · unverified |
| Invoicing | Yes · unverified |
| Recurring payments | Yes · unverified |
| Mass payouts | Yes · unverified |
| Point of sale | Yes · unverified |
| Self-hosted option | No |
| Business verification (KYB) | Yes · unverified |
| Settle in stablecoins | Yes · unverified |
| Merchant countries | European Union, United States · unverified |
| API & SDKs | Yes · unverified |
Not disclosed by the provider: Coins supported.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Confirmo Subscribe
Automates recurring stablecoin billing from exchange accounts and over 700 self-custody wallets connected through WalletConnect on chains like Arbitrum and Solana.
Mass payouts API
Executes automated bulk transfers in stablecoins or cryptocurrencies to thousands of recipients simultaneously across borders.
E-commerce checkout
Accepts digital assets on web storefronts via a REST API, webhook triggers, or an open-source WooCommerce plugin.
Point-of-sale terminal
Runs in-person transaction checkouts via a browser interface or mobile app supporting offchain Bitcoin Lightning Network settlements.
Dual currency settlement
Settles payments in minutes into stablecoins like USDC and USDT, or directly into EUR and CZK bank accounts for EU merchants.
Inside Confirmo
Checkout
Accept stablecoins and major cryptocurrencies on websites via API integration or e-commerce plugins, with transactions settled within minutes.
Subscribe
Process automated, recurring stablecoin payments across networks like Arbitrum and Solana from self-custodial wallets and exchange accounts.
Payouts
Distribute automated bulk and batch payments to thousands of domestic or international recipients simultaneously using an API or dashboard interface.
POS Terminal
Accept in-person digital asset and Bitcoin Lightning payments using a browser-based virtual terminal or mobile point-of-sale applications.
Confirmo screenshots
What users say about Confirmo
Confirmo focuses on cryptocurrency payment processing, including automated stablecoin subscription tools for enterprise merchants.
Based on 1 Reddit posts and comments from the last 12 months, checked Oct 20, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
No user reviews yet. Have you used Confirmo? Share your experience below.
FAQ
Who founded Confirmo?
Confirmo was founded in Prague in 2014 under the name BitcoinPay, established in partnership with cryptocurrency exchange Coinmate, and is led by CEO Anna Štrebl.
What fees does Confirmo charge merchants?
Confirmo charges a transaction processing fee between 0.5% and 0.8% based on merchant turnover, with no setup fees or monthly subscription charges.
Which cryptocurrencies and networks does Confirmo support?
Confirmo supports stablecoins including USDC and USDT, as well as BTC, ETH, SOL, LTC, and TRX across networks such as Arbitrum, Optimism, Polygon, Solana, Tron, and the Bitcoin Lightning Network.
Is business verification required to use Confirmo?
Yes, businesses must complete Know Your Business (KYB) verification before transacting, with bank settlement in EUR and CZK reserved for verified EU accounts.
Can Confirmo handle recurring stablecoin subscriptions?
Yes, Confirmo Subscribe processes automated recurring stablecoin pull payments from exchange accounts and over 700 self-custody wallets via WalletConnect.
Does Confirmo have its own token?
No, Confirmo does not have a native token and operates strictly as a licensed payment gateway infrastructure provider.
Latest from Confirmo on X
Next stop: Lisbon! Our senior AE Pavlina Akivanova will be at SBC Summit, September 29 to October 1. Going to be there? Find her on the floor and talk stablecoin infrastructure for your business.
We're heading to the IMA Europe London Summit.
Meg Gupta (Head of Growth), Ritesh Patel (Chief Product Officer), and Brendan Nuessle (VP of Sales) will be there. Curious what stablecoins can do for gift cards, rewards, and incentives? Reach out, and we'll set up a time. https://t.co/SngD74WTBO
Meg Gupta (Head of Growth), Ritesh Patel (Chief Product Officer), and Brendan Nuessle (VP of Sales) will be there. Curious what stablecoins can do for gift cards, rewards, and incentives? Reach out, and we'll set up a time. https://t.co/SngD74WTBO
Confirmo Subscribe is now live on @arbitrum!
Recurring payments were the one thing Arbitrum users couldn't do with their stablecoins. Now they can.
Read more: https://t.co/rvy6yYrbwH https://t.co/5J866vxnvg
Recurring payments were the one thing Arbitrum users couldn't do with their stablecoins. Now they can.
Read more: https://t.co/rvy6yYrbwH https://t.co/5J866vxnvg
Recurring payments only work if people trust them, and trust starts with security you can verify.
Thank you @HalbornSecurity for completing a thorough smart contract audit of our new stablecoin subscription product, Confirmo Subscribe!
Learn more: https://t.co/GM0nAEvRRl
Thank you @HalbornSecurity for completing a thorough smart contract audit of our new stablecoin subscription product, Confirmo Subscribe!
Learn more: https://t.co/GM0nAEvRRl
Recent public posts from @ConfirmoPay, shown as published. Not reviewed or endorsed by CryptoReview.
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