Coinbase Commerce Alternatives in 2026: What to Use Now

The replacement depends on what you liked about Commerce: an easy checkout, bank payouts, or control of your wallet.

Why are people looking for a Coinbase Commerce alternative?

Coinbase set 31 March 2026 as the deadline after which its Commerce portal would be permanently inaccessible. Its successor is Coinbase Business, and merchants outside the US and Singapore were told to find another provider.^[3] So you're replacing the service, not shopping for a cheaper one.

Business also changes what customers can spend. Its payment links accept only USDC and USDT, both stablecoins. Payments arrive in your Business account as USDC, and bitcoin isn't part of the formal payment suite.^[4]

Wallet control is another difference. A self-custodial setup appeals to owners who want to hold their own crypto, while Business puts your sales in a balance Coinbase holds. That can make cash-out easier, but you now depend on Coinbase to release your sales money.

The legacy Commerce profile on Trustpilot showed 22 reviews and a score of 1.6 when we looked. Two of the visible reviews described old withdrawal, refund or support problems; others were about personal Coinbase accounts.^[9] We couldn't refresh the profile later, and none of it tells you how Business performs today. The Coinbase Commerce review covers the product change.

Which replacements can your business use?

Start with country and business approval, then compare features. A gateway can take payments from customers abroad and still turn away merchants based in some countries.

CoinGate's list includes the UK, Canada, Australia and Singapore, as well as EU countries. The United States isn't on it.^[11] Its terms also prohibit gambling without a valid licence, unlicensed financial services, and adult content without age verification.^[13] Those limits matter more than a low price.

BitPay takes applications from US and Canadian businesses and has paused new onboarding in the EEA, UK and Australia.^[2] It bans sexually explicit services, and forex and gambling need its approval. Confirmo's commercial policy covers business or professional activity, applies country and sanctions checks, and keeps an internal list of prohibited sectors. None of that promises your shop will be accepted.^[26]

For a US merchant, remove CoinGate. If you won't arrange software maintenance, remove BTCPay. Confirmo stays a candidate only once it confirms it will take your business.

1. 1

   CoinGate

   Hosted checkout for merchants in supported countries

   81/100

   1%
   • Accept bitcoin as well as stablecoins such as USDC
   • Bank settlement in EUR, GBP or USD
   • A 1% fee with no fixed per-order charge
   • US merchants aren't on the country list. Standard settlements are weekly, and conversion pricing includes a risk margin.
   Read review ↗Visit site
2. 3

   BitPay

   Daily bank settlements and familiar shop integrations

   73/100

   2% + $0.25
   • A hosted way to accept bitcoin without managing a bitcoin wallet
   • Automatic settlements each business day above the relevant minimum
   • Shopify lists BitPay as a crypto payment provider
   • The entry fee is 2% plus 25 cents, and some bank payout minimums are too high for a small shop.
   Read review ↗Visit site
3. 4

   Confirmo

   Business invoicing at a lower Irish rate

   72/100

   0.8%
   • 0.8% invoicing fee in the Irish fee schedules
   • Euro bank payouts for approved merchant accounts
   • Different listed charges for settling to you and paying third parties
   • Approval depends on your country and sector, and the commercial policy doesn't give a euro bank arrival time.
   Read review ↗Visit site
4. 12

   BTCPay Server

   Your own bitcoin wallet, with software you have to run

   57/100

   0%
   • Payments go directly to a wallet you control
   • No software subscription or percentage fee
   • A WooCommerce integration with setup docs
   • Hosting, backups and support are on you, and turning crypto into bank money needs another service or plugin.
   Read review ↗Visit site

The Bank of Lithuania lists CoinGate's operator with crypto-asset and payment institution licences. New York's regulator lists BitPay, Inc. and Coinbase, Inc. as licensed entities. Those are useful checks, but a company listing doesn't mean approval for every product, industry or location.^[15][19] This is general information, not legal advice.

When is CoinGate the best replacement?

CoinGate is a sensible starting point if you can get approved and want a ready-made checkout and bank money without running a payment server. It publishes a 1% Standard fee and offers shop plugins, invoices and bank settlement.^[10]

CoinGate lists euro transfers by SEPA or SWIFT, while dollars and pounds use SWIFT. USDC and EURC are on its currency page; USDT isn't.^[12] If most of your customers pay with Tether, look at another option before you build anything.

The 1% isn't the whole cost of converting. CoinGate's commercial policy says processing adds a risk margin on top of the merchant fee, but it gives no size for that margin.^[14] A spread like that can cut the bank money you receive even when the headline fee looks low.

Standard automatic settlements are weekly. Free SEPA withdrawals have a €50 minimum amount, which means you must have that much to withdraw. SWIFT has a €50 minimum fee, which is money charged on the transfer.^[10] Our CoinGate fee breakdown covers the other charges.

When is BitPay worth paying more for?

BitPay is worth a look if you're a US or Canadian applicant who wants daily settlements or bitcoin checkout. Shopify lists it as a crypto payment provider.^[28]

Its entry fee is 2% plus 25 cents per payment below $500,000 in monthly volume. Higher volume lowers the percentage, and high-risk businesses may pay more.^[16] The flat 25 cents is what bites on small baskets. On a $10 order the entry fee comes to 45 cents, which is worth knowing before you offer a crypto discount.

“Daily” is when BitPay issues the settlement, so the money may not reach your bank that day. BitPay's docs give a $20 minimum for US dollar ACH settlement but $10,000 for dollar wires to banks outside the US. The developer table lists a €500 minimum for euro SEPA, though BitPay's help article gives a different one, so check the figure in your dashboard.^[18] A small non-US shop that asks for dollars could wait much longer to reach its minimum than one taking euro payouts.

We'd pay more for BitPay if it offers a coin, checkout or bank payout the cheaper options can't. Think twice about low order values or international dollar wires. The BitPay review and the BitPay versus Coinbase comparison go through the trade-offs.

When should you consider Confirmo?

Confirmo is worth a quote if you want business invoicing and euro settlement, but only once it confirms it accepts your country and industry.

The archived Irish fee schedule, effective 30 December 2025, lists 0.8% for invoicing. Merchant settlement carries a 0% processing fee, while payouts to other recipients cost 0.5% plus network fees. Bank or payment-service fees can still apply.^[24] Don't add the payout charge to ordinary bank settlements, since they're a different service.

Confirmo's replacement Irish fee schedule takes effect on 1 November 2026.^[25] Its posted Terms already list USD 100 plus network costs for recovering a mispayment.^[1] Which fee applies depends on which Confirmo company and which version of the schedule your contract uses, and nothing in the documents promises free recovery under the older terms.

Its policy describes bank settlement through partners but gives no euro arrival time, so ask before you count on it to pay suppliers.

Is BTCPay Server the closest option to old Commerce?

BTCPay is the closest option here if the feature you miss is receiving bitcoin in your own wallet. It's free, self-hosted software, not a company that holds your sales balance, and its FAQ says it charges no subscription or processing fee.^[20]

Self-hosting means you arrange a server to run checkout, and someone has to handle the updates, backups and repairs. If you're already stretched keeping up with the shop, deliveries and customer messages, a hosted processor may be better value even with a percentage fee.

Support is community-based. BTCPay's support page also points to a place to find paid help, but with no guarantee from the project.^[22] If you hire an installer, ask who picks up when checkout stops working and what happens if they're unavailable.

BTCPay's docs cover connecting WooCommerce to a server, receiving payment notifications and mapping order statuses.^[23] Your developer will need to set that up, because the old Commerce plugin can't simply be swapped for it.

Coin choice is the other catch. Treat BTCPay as a bitcoin option: its altcoin integrations are maintained by their communities, and external exchange plugins can add fees and minimums.^[21] Don't count on every coin your customers used with Commerce working in a basic installation.

1. 
   01

   Name the person looking after the server

   Agree who installs updates, keeps backups and responds when checkout fails.

2. 
   02

   Choose how you hold the wallet

   Decide who can move funds and how you'll recover access. Receiving money and spending it need different permissions.

3. 
   03

   Plan how sales become spending money

   If your bills are in euros or dollars, line up a conversion service and a bank withdrawal, and find out what they cost.

4. 
   04

   Try the whole shop workflow

   Before you switch, test payment confirmation, order updates, reporting and refunds in a test setup.

What will the alternatives cost on your sales?

The lowest fee isn't always the cheapest way to end up with spendable money. On $10,000 of sales in $100 orders, CoinGate's rate costs $100 and Confirmo's Irish invoicing rate costs $80. BitPay's entry rate costs $225. BTCPay's software fee is zero.

Those figures leave out application fees, conversion margins, network and bank fees, and hosting. Coinbase's published 1% applies to merchants migrating from Commerce; new Business accounts see their rate after signing in, as our Coinbase fee page explains.

In the calculator below, BTCPay shows software fees only and Confirmo uses its Irish schedule.

The Coinbase entry in the table below isn't a quote for a new account, and hosted providers differ in how they hold and pay out your money.

	Coinbase Commerce / Coinbase Business	CoinGate	BitPay	Confirmo	BTCPay Server
Score	67/100 · #5	81/100 · #1	73/100 · #3	72/100 · #4	57/100 · #12
Payment fee	from 1%	1%	2% + $0.25	0.8%	0%
Cost on $10k/month	$100	$100	$225	$80.00	$0.00
Pays out to bank	USD	EUR, GBP, USD	AUD, CAD, CHF, EUR, GBP, MXN, NZD, USD	EUR	Not stated
Stablecoin networks	USDC: Ethereum, Base, Polygon, Optimism, Arbitrum · USDT: Ethereum	USDC: Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism · EURC: Ethereum	USDC: Ethereum, Polygon, Arbitrum, Optimism, Base, Solana · USDT: Ethereum, Polygon, Arbitrum, Optimism, Solana · PYUSD: Ethereum · GUSD: Ethereum · USDP: Ethereum · EURC: Ethereum · BUSD: Ethereum, Polygon	USDT: Ethereum, TRON, Polygon, Arbitrum, Optimism, BNB Smart Chain · USDC: Ethereum, Polygon, Arbitrum, Optimism, BNB Smart Chain · USDG: Not stated	USDT: Liquid, TRC20 (plugin)
Coins	2	12	19	10	14
Custody	Custodial	Custodial	Custodial	Custodial	Non-custodial
Merchant KYC	Required	Required	Required	Required	None
Rolling reserve	Not stated	Not stated	Not stated	Not stated	none
Licence	Money transmitter licences (NMLS ID, Coinbase, Inc.) (1163082); New York Virtual Currency Business Activity licence (NYDFS) (122466)	Crypto-Asset Service Provider (MiCA), Bank of Lithuania; licence No. 2, authorization code LB002323 (LB002323); Payment institution, Bank of Lithuania (EMT operations); licence No. 60, authorization code LB002324 (LB002324)	Money transmitter (NMLS ID) (1496848); Virtual Currency Business Activity licence (NYDFS)	Crypto-Asset Service Provider (MiCAR), Confirmo Limited (C570624); Payment Institution (PSD2), Confirmo Limited — electronic-money-token transfer scope (C570624)	Not stated
Plugins	Not stated	WooCommerce, Wix, Magento 2, WHMCS, OpenCart, PrestaShop	WooCommerce, Shopify, Magento 2, WHMCS, Wix, BigCommerce	WooCommerce, Shopify	WooCommerce, Shopify, PrestaShop, Magento, BigCommerce, Odoo
Legal entity country	United States	Lithuania	United States	Ireland	Not stated
Founded	Not stated	2014	2011	2014	Not stated

A weekly payout works if you plan around it, and gets awkward if you buy stock with yesterday's receipts.

Should eligible merchants stay with Coinbase Business?

Staying is reasonable if you're already approved, your customers pay in the stablecoins Business accepts and the account pays out the way you need. For US stores, BitPay is the licensed all-rounder with published pricing and daily settlements, and Coinbase Business can be the cheaper licensed stablecoin option at the migrated rate. If you're a new Business merchant, compare the fee you're quoted.

The Business overview limits availability to C corporations and LLCs in the US and Singapore. A broader description mentions other entity types, so read the availability section itself. The US agreement names LLCs with more than one owner and C corporations, so a sole-owner US LLC should ask whether it qualifies. That clause doesn't cover Singapore's rules.^[30]

The published US dollar bank payout uses ACH and may take one to three business days. Automatic conversion to dollars has fees and spread.^[7] Singapore merchants would need to confirm how they'd be paid out to their bank.

For more options beyond this shortlist, see our crypto payment gateway comparison or the guide to choosing a processor.

How do you switch without losing track of orders or money?

Treat the checkout, the records and the money as three different jobs. Swapping the button on your site won't move an old invoice or settle a pending payment.

Commerce has closed, so there's no old checkout to keep running during the switch. If you're replacing an interim processor or an active Business account, you can overlap; otherwise keep another payment method open until the replacement is approved and connected.

1. 
   01

   Collect records and open items

   Find saved exports, payment emails and order records. List unpaid invoices, refunds owed, disputed amounts and transfers still in flight.

2. 
   02

   Get the replacement approved

   Confirm your country, activity, rate and payout method with the new provider, and finish its business checks before telling customers it works.

3. 
   03

   Connect checkout and order updates

   Replace the plugin or custom connection, then check payment status, duplicate notices, expired invoices and refunds.

4. 
   04

   Switch new orders and reconcile old money

   Send new sales through the new checkout. Let existing payments finish in their original system, and retire old links only once each one has been settled.

What records should you keep?

Keep invoice amounts and currencies, order references, payment times, coins and networks, transaction references, fees and payouts, plus bank references when you have them. Match them sale by sale so an unpaid order or a double-counted transfer can't hide in the totals.

Coinbase says Commerce transaction history doesn't transfer to Business.^[3] If you saved an export before the closure, keep one copy untouched and work from another. If you didn't, gather the records you have and ask Coinbase support what's still available, because the old export button may no longer work.

How much time should you leave for approval?

Expect questions about your company, owners and activity. KYB is a check on your business documents, and approval from one provider doesn't carry over to another.

Coinbase says most Business applicants hear back within a few weeks, and asks for extra information by email where needed.^[6] That's Coinbase's timeline, not CoinGate's, BitPay's or Confirmo's, so ask your chosen provider how long approval takes before you schedule the checkout change.

What needs changing in a custom checkout?

Your developer needs to replace the old API connection and payment notifications, called webhooks. What you want is for an order to ship once, after the right payment is confirmed.

Coinbase's current checkout documentation says a customer coming back to your site isn't proof they paid; the shop should wait for a successful payment notification or check for a completed status.^[8] Your developer should also handle cancelled, late, partial and repeated notices, so nobody has to guess whether to ship when a customer closes the payment window or sends less than the invoice amount.

Can you keep two processors during the move?

Yes, as long as both are active and approved. Keep each order with its original payment request: a second invoice for an order that's already paid could make the customer pay twice. Look at the original's status before sending a replacement.

Shopify also warns that third-party transaction fees may apply and that crypto refunds aren't automatic through Shopify.^[28] Shopify's own charges count toward the bill too, and whoever answers customers needs to know where refunds are issued.

Before you remove an active old service, make sure pending payouts have arrived, someone is handling refunds and you can explain every outstanding order.

What if you still have money in a legacy Commerce wallet?

Getting at money in a legacy wallet is its own recovery job; signing up with another gateway won't move it. Coinbase says the old withdrawal tool is disabled after the deadline, and that a saved wallet recovery phrase may still give you access through a compatible wallet, though the balance it shows may be incomplete.^[3]

Stick to Coinbase's official transition guidance and support channels. Your recovery phrase controls the wallet, so never put it in a support email or give it to a stranger offering recovery. If wallet software isn't your thing, get help from someone whose identity and process you can verify.

Keep the legacy amount on its own line in your books so an old open balance doesn't skew the new processor's reports.

Questions merchants ask about replacing Coinbase Commerce