Best Crypto Payment Gateways in 2026: Compare Your Options
The best crypto payment gateway is the one that will take your business, lets customers pay with the coins they hold and sends the money where you need it. If you want a managed service and qualify for an account, start with BitPay or CoinGate. If someone on your side can run Bitcoin checkout, consider BTCPay Server. Coinbase Business, B2BinPay and Confirmo fit narrower cases, with product and eligibility limits. Use the shortlist to decide who to talk to, then compare the offer you're approved for and the work it leaves you.
Which crypto payment gateway should you shortlist?
Shortlist by the job you need done. A payment button is only useful if your company is allowed to use it, your customers can pay with it and someone can account for the money that comes in.
If nobody on your team runs payments, we'd look first at a managed account. BitPay is worth a look if you're applying from the US or Canada. CoinGate is worth a look where its merchant country list and receiving options fit. BTCPay Server becomes attractive when receiving Bitcoin directly, and controlling it, is worth the work of running it. The other options below each depend on your company, the product or the agreement before they belong on your list.
The table below is our own judgment about fit. The formula that orders the list doesn't use it.
| What you need | What to find out first |
|---|---|
| Company, people and customers | Where the company is incorporated and operates, where its owners and controllers are citizens and live, what you sell, where your customers are, and who collects whose revenue |
| Payment method | Which coin and network, whether customers pay from a wallet or an exchange, the amounts allowed, and whether the checkout method is switched on |
| Where the money must land | Your own company wallet or your company bank account, in which currency, whether the provider allows that destination, when it releases the money, and proof that it arrived |
| Who controls the money | Who can approve, sign, change a destination and spend, and what the provider or host can block |
| Daily operation | Who keeps the integration working, checks payments, matches the books, handles refunds and support, and covers when someone's away |
| Full price | The processing fee, quote margin, minimums, network fees to move the money, conversion, account charges and exception charges in your agreement |
The list below compares dated public records, not the whole market, and no single company could give you all of these offers at once. The price rows are hidden here, but the scores still count them. The cost score rests on incomplete charges, and an unknown price drops out of it without becoming free. Coinbase's rate is a migration headline, B2BinPay's covers coins but not stablecoins and may leave out per-payment minimums, BTCPay's figure is for software only, and Confirmo's comes from dated Irish documents, so it's unclear whether the current tariff matches.
- 1
CoinGateManaged checkout and conversion, if your account and receiving options fit
81/100- It offers hosted checkout and other payment channels for different ways of collecting.
- Its currency page lists what it accepts and what it settles in different sections.
- The headline fee leaves out a quote margin it doesn't price, and possibly other charges.
- 2
BitPayManaged checkout for an eligible US or Canadian business
73/100- Its invoice statuses help you decide when to ship an order.
- BitPay describes a way to settle in BTC to an approved company wallet.
- Your approval, the application fee and the full cost of receiving the money are still unknown.
- 3
ConfirmoInvoicing that depends on which Confirmo entity you sign with
72/100- Its Irish documents keep invoice credit, wallet settlement and payouts to other people apart.
- It describes verifying your destination and keeping settlement records.
- You can't price it until it's clear which entity, tariff version and receiving offer apply to you.
- 4
Coinbase Commerce / Coinbase BusinessCoinbase Business checkout, if your business qualifies and you have a developer
67/100- Each checkout request is single-use and credited to your Business account.
- It sends payment and refund events your store can act on.
- The old Commerce name and its migration price aren't an offer to new Business customers.
- 5
CryptoProcessing by CoinsPaidCheckout and payouts for merchants who already have an eligible account
66/100- Payment requests come with hosted, QR code and embedded checkout options.
- Accounts approved for it can top up and withdraw euros through a bank.
- Its Estonian company isn't taking new clients and its Lithuanian one has suspended all crypto services. The advertised 1.5% is a ceiling, not your full bill.
- 6
NOWPaymentsCrypto to your own wallet, if its residency and citizenship rules don't exclude you
63/100- It publishes 1% for same-coin payments and 1.5% when a payment needs conversion.
- Payments go to your own wallet by default, with optional Custody for balances and batch payouts.
- Its terms exclude EU, UK, US and UAE residents or citizens. The EUR bank route has conditions, and its full price isn't public.
- 7
B2BinPayManaged processing, once you know which entity serves you and whether your country is allowed
62/100- Its public tariff lists prices by asset group and for other money operations.
- It describes itself as a custodian, so who controls the money is something you can ask about.
- Its El Salvador policy restricts Canada and the US, and the wording in its footer doesn't match.
- 8
Crypto.com Pay for BusinessCheckout for an approved shop whose customers use the Crypto.com App or supported wallets
59/100- Customer-approved App subscriptions can collect funded renewals automatically.
- Refunds can be full or partial, for App and external-wallet payments alike.
- Payout fees aren't public, minimum payout amounts can leave small balances waiting, and it's unclear whether the Shopify app can be installed now.
- 9
BTCPay ServerBitcoin straight to your wallet if you're ready to run checkout yourself
57/100- You can sign spends in an external wallet instead of on the server.
- Wallet and payment exports help you match your records.
- Hosting, security, maintenance and support are your job.
- 10
CoinPaymentsHosted crypto invoices and scheduled payouts for an approved shop outside the EU/EEA
53/100- You can keep a balance or send crypto out per payment or in hourly, nightly or weekly batches.
- Current docs cover WooCommerce and WHMCS modules, plus hosted invoices, payment links and an API.
- Its fee pages disagree, EU/EEA service is paused with no confirmed restart, and bank payouts need an account-specific quote.
- 11
OpenNodeManaged Bitcoin and Lightning checkout for a registered business whose customers pay in Bitcoin
51/100- Eligible US businesses can get dollar conversion and bank transfers, where approved.
- Customer invoices and one-off or mass Bitcoin payouts cover jobs beyond checkout.
- It's Bitcoin only, and the published 1% is a typical rate, not your quote, so your full bill is still unknown.
- 12
PlisioCrypto invoices and store plugins for eligible shops happy to be paid in crypto
49/100- It publishes a 0.5% rate for BTC API payments and prices white label separately.
- It lists store and billing integrations, including a public WooCommerce plugin.
- It isn't clear which company you'd contract with or whether it's licensed, and bank settlement couldn't be verified.
- 13
OxaPayCrypto invoices for an approved business that can handle its own crypto-to-bank step
48/100- Ordinary invoices and payment links have a listed 1.5% fee.
- Static addresses take repeat deposits, and white label puts payment details in your own checkout.
- No contracting company or licence appears in its public terms, and withdrawals can be held for review with no release deadline.
- 14
TripleAManaged checkout and local-currency payouts for approved businesses with enough crypto sales
47/100- Singapore's official MAS entry lists its Singapore company as a Major Payment Institution for four services.
- It publishes checkout and invoice workflows, plus guides to refunds and settlement.
- There's no public processing price, a monthly minimum commitment can apply, and bank withdrawals need about USD 3,000, so smaller balances can sit waiting.
- 15
Cryptomus46/100Informational entry. This model is not a recommendation to open a new merchant account. Check current availability directly with the provider.
- 16
Heleket45/100Informational entry. This model is not a recommendation to open a new merchant account. Check current availability directly with the provider.
- 17
PaykillaA tailored crypto checkout, once you have the price and payout terms in writing
45/100- It offers checkout through an API, a widget or invoice links.
- You can choose who pays the fee, and there's a dedicated channel for integration work.
- Its pages don't confirm a licence or regulator for its Seychelles company, and costs beyond the starting 0.5% aren't published.
- 18
CoinremitterCrypto receipts for an eligible shop that's fine with payments passing through its wallet
41/100- Invoices, shareable payment pages and seven listed platforms and libraries cover several ways to collect.
- Its test TCN credit can help your developer walk through the payment flow.
- Payments pass through its internal wallet first, there's no bank payout, and stablecoins need the monthly Premium plan. Its own documents disagree on when the fee is charged.
- 19
Binance Pay (merchant)App-based checkout for an approved business whose customers already use Binance
22/100- Its docs cover refunds for successful payments, including partial returns up to the original amount.
- There's a WooCommerce plugin and an API for custom shops.
- Many countries, including the US, Canada, UK and UAE, are excluded, the checkout fee depends on your contract, and we couldn't verify a direct bank payout.
- 20
Alchemy Pay Crypto PaymentManaged checkout for shops with crypto-using customers, once price and approval are clear
19/100- Its docs lay out the payment, conversion and balance stages, so you know what to ask.
- Its token list shows USDT on networks including TRX, SOL and TON, if your account has them switched on.
- We couldn't find a merchant price, approval rules, how money reaches your bank or how ordinary refunds work.
Every provider in the list links to its full review. The sections below look more closely at six of them: BitPay, CoinGate, BTCPay Server, Coinbase Business, B2BinPay and Confirmo.
When does a managed gateway make sense?
Choose a managed gateway when you want a provider to run the payment service and you're fine with its rules on crediting and releasing your money. You maintain less infrastructure, but the order, the customer and the bookkeeping are still yours.
BitPay: worth a look if you're in the US or Canada
BitPay is a practical starting point if you want a managed service and meet its onboarding rules. Its country article lists the US and Canada for merchant onboarding, with new EEA, UK and Australian onboarding paused. So it's an option for some applicants, not a worldwide offer.[1]
Expect checks on the business and the people behind it. BitPay's documentation asks for company information, an active trading website, ID for an owner or authorised person, and settlement details. You have to say where the money will go as part of the application, before checkout is installed.[2]
We'd consider it if you fit and want a managed workflow with clear documentation. The catch is the full agreement and cost: the application fee, the processing fee, getting paid out, exceptions and refunds each need their own answer. The BitPay review goes through those tradeoffs.
CoinGate: managed checkout and conversion
CoinGate is worth shortlisting if you want hosted checkout and a choice of how you receive the money. Canada is on its merchant-country list, and the US isn't on the list we read for this page. Where it can reach customers is a different question from where it opens merchant accounts.[8]
The service runs through an account with UAB Decentralized. Its General Terms say the account opens after required checks, describe custody and exchange services, and let it delay, suspend or cancel transactions for suspicious activity. Account funds aren't insured deposits.[11]
The catch is that the headline fee is only part of the quote, and it says nothing about whether the money arrives at your destination. If CoinGate passes your country and customer checks, the CoinGate review is the next read.
When is BTCPay Server the better fit?
Choose BTCPay Server if you want to receive Bitcoin directly and have someone who can run it and look after it. We wouldn't pick it just because the software fee looks attractive.
BTCPay's wallet documentation treats receiving and signing a spend as different jobs. You can sign with an external hardware wallet or a compatible wallet, or use a hot wallet on the server. Those put the keys in different places.[16]
A third-party host changes the decision. BTCPay's hosting guide warns that a host with a server hot wallet can control funds, and a malicious host or compromised server can change future payment instructions. Keeping already received coins in an external wallet doesn't, by itself, protect the next invoice.[17]
You need a plan for updates, backups, payment monitoring and cover for when you're out. If your suppliers expect bank money, you may also need a conversion provider or a bank, and they'll run their own verification. The BTCPay Server review helps you tell the software apart from a host or a conversion partner.
| Job | Question for whoever would run it |
|---|---|
| Receiving | How will you know new invoices still point to your wallet? |
| Spending | Who can approve a refund, and where are the signing keys held? |
| Maintenance | Who handles updates and backups, and who recovers a server that goes down? |
| Accounting | Who matches orders to payments, refunds and wallet records? |
| Support | What help is under contract, and what relies on volunteers? |
Name a replacement who can spot a payment problem and rebuild the service from your own records. Routine shop logins shouldn't be able to spend. If nobody can explain the recovery plan in plain words, count that missing work as part of the cost.
Where do Coinbase Business, B2BinPay and Confirmo fit?
These three aren't interchangeable, and they don't share a price list. Your company type, the product or the agreement can rule each one out before fees come up.
Coinbase Business: for a qualifying company and an account-based checkout
Coinbase Business is worth a look if you're in a market it lists and want payments alongside a wider business account. Its overview names US and Singapore availability and requires verification of the business and its beneficial owners. It isn't an offer for an Ontario company.[22]
Its Checkout API describes single-use payment requests credited to the Business account, with full or partial refunds for completed checkouts. Current fees are shown inside the account flow, so the old Commerce price and the migration headline are no guide to what a new merchant would pay.[23]
We'd look at it if your company qualifies and a developer can connect it. Don't budget until you have the contract, payment method, payout details and a quote. The Coinbase Business and Commerce review explains why old Commerce assumptions can mislead you.
B2BinPay: sort out geography and product first
B2BinPay may suit an eligible business that wants managed processing, but its El Salvador AML policy excludes Canadian and US residents and companies. Its footer wording is broader and doesn't match, so don't assume you'd be an exception.[26]
Its disclosures name an El Salvador entity and a Mauritius entity and describe B2BinPay as a custodian. That's B2BinPay's own account of itself, and it doesn't independently show regulatory permission for your contract, country or service. The tariff prices coins, stablecoins and tokens differently and adds minimum commissions and bank operations, so a rate from one column isn't the price of another asset.[25]
We'd settle those basics before paying for an integration. B2BinPay isn't part of the Ontario fee illustration below. The B2BinPay review lists the product and pricing gaps to raise with them.
Confirmo: match the entity and tariff before choosing
Confirmo's Irish documents describe invoicing, balance credit and later settlement clearly enough to be useful. They require your registration to be approved and your bank account or external wallet to be verified. They also treat holding money temporarily for an exchange or transfer as different from a general custody service.[28]
We'd look at Confirmo if it can give you a clear agreement for incoming payments. The catch is that it's unclear which tariff and account terms apply to you: an older Irish schedule, a replacement schedule or another entity's schedule. None of them is your quote yet, even if its effective date has passed. The Confirmo review digs into that.
Its Commercial Policy treats invoicing, settlement to your own wallet and payouts to other recipients as three different things. It describes bank transfers handled by a partner and conditions on crypto settlement. The money has reached you only when it lands in your wallet or bank; balance credit and a broadcast payment come earlier.[29]
What does the comparison table tell you?
The table shows where the paperwork differs for those six providers, using the same dated records as the ranking rather than freshly verified offers.
A few rows need care. BTCPay's asset and plugin list mixes in optional add-ons, so it isn't a list of what works natively at checkout, and bank conversion would need an outside service. Coin and network rows can describe acceptance, settlement or a different product, and a plugin name doesn't tell you it works today. Custody labels are a simplification: your agreement and key setup say who controls the money.
Licence rows come from the documents we read, not a fresh check of the registers. Confirmo's current PSD2 description is only the provider's own claim, sitting next to older register evidence, and B2BinPay's rows are provider claims too. Headquarters and founding fields are background, since your agreement names the company that signs. A listed currency may not come with an approved bank rail, and no-reserve wording doesn't promise unrestricted release.
| BitPay | CoinGate | BTCPay Server | Coinbase Commerce / Coinbase Business | B2BinPay | Confirmo | |
|---|---|---|---|---|---|---|
| Score | 73/100 · #2 | 81/100 · #1 | 57/100 · #9 | 67/100 · #4 | 62/100 · #7 | 72/100 · #3 |
| Pays out to bank | AUD, CAD, CHF, EUR, GBP, MXN, NZD, USD | EUR, GBP, USD | Not stated | USD | EUR, USD | EUR |
| Stablecoin networks | USDC: Ethereum, Polygon, Arbitrum, Optimism, Base, Solana · USDT: Ethereum, Polygon, Arbitrum, Optimism, Solana · PYUSD: Ethereum · GUSD: Ethereum · USDP: Ethereum · EURC: Ethereum · BUSD: Ethereum, Polygon | USDC: Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, Optimism · EURC: Ethereum | USDT: Liquid, TRC20 (plugin) | USDC: Ethereum, Base, Polygon, Optimism, Arbitrum · USDT: Ethereum | USDT: Not stated · USDC: Not stated | USDT: Ethereum, TRON, Polygon, Arbitrum, Optimism, BNB Smart Chain · USDC: Ethereum, Polygon, Arbitrum, Optimism, BNB Smart Chain · USDG: Not stated |
| Coins | 19 | 12 | 14 | 2 | Not stated | 10 |
| Custody | Custodial | Custodial | Non-custodial | Custodial | Custodial | Custodial |
| Merchant KYC | Required | Required | None | Required | Required | Required |
| Rolling reserve | Not stated | Not stated | none | Not stated | Not stated | Not stated |
| Licence | Money transmitter (NMLS ID) (1496848); Virtual Currency Business Activity licence (NYDFS) | 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) | Not stated | Money transmitter licences (NMLS ID, Coinbase, Inc.) (1163082); New York Virtual Currency Business Activity licence (NYDFS) (122466) | Digital Asset Service Provider (PSAD), B2BINPAY EL SALVADOR S.A. DE C.V. (PSAD-0064); Bitcoin Service Provider (PSB), B2BINPAY EL SALVADOR S.A. DE C.V. | Crypto-Asset Service Provider (MiCAR), Confirmo Limited (C570624); Payment Institution (PSD2), Confirmo Limited — electronic-money-token transfer scope (C570624) |
| Plugins | WooCommerce, Shopify, Magento 2, WHMCS, Wix, BigCommerce | WooCommerce, Wix, Magento 2, WHMCS, OpenCart, PrestaShop | WooCommerce, Shopify, PrestaShop, Magento, BigCommerce, Odoo | Not stated | WooCommerce | WooCommerce, Shopify |
| Legal entity country | United States | Lithuania | Not stated | United States | Not stated | Ireland |
| Founded | 2011 | 2014 | Not stated | Not stated | Not stated | 2014 |
The gateway finder can turn those differences into a first shortlist, though it can't get you an account or fill in a missing quote. Once you've shortlisted, crypto payment processors compared covers the day-to-day work.
How do you check the coins and networks customers use?
Start with the coin and network your customers hold, then check that your account has them switched on. A coin name alone leaves the network open and says nothing about receiving the same coin into your own wallet afterwards.
CoinGate's currency page has different lists for what it accepts, settles, pays out or withdraws, and takes as deposits. Its merchant acceptance section lists native Bitcoin on Bitcoin and Lightning and USDC across named networks, but not USDT. Each list covers a different service, so don't read one as another.[13]
Think about the wallets and exchanges your buyers use. Can they pick the right network easily? Does their exchange take its withdrawal fee out of the amount delivered? Can the invoice expire before a delayed withdrawal arrives? And how does an underpaid, late or wrong-method payment show up on your side?
Customers shouldn't have to learn a new payment method just to get you a lower headline fee. A confusing method can lead to abandoned orders and support work, and a long coin list won't necessarily bring more sales.
How much should you budget for processing?
The processing fee is one line in your budget. This illustration shows how a fixed per-payment charge changes the comparison as order size changes; it doesn't pick an account or work out your whole bill.
Take a hypothetical stationery company incorporated and operating in Ontario, owned by Canadian citizens who live there. It sells ordinary goods to Ontario customers in USD. Customers pay native BTC on Bitcoin mainnet, the shop pays the fee, and either BitPay's standard rate or CoinGate's Standard rate has been approved and pays out to the company's approved external BTC wallet. Nothing here shows either provider would approve that profile today.
The model leaves out anything we couldn't price: minimums, quote and risk margins, network and conversion fees, and account charges, plus your own hosting, staff time and refunds. BitPay's dated Terms require a non-refundable application fee, and we couldn't find its price, so it isn't included.[31] CoinGate's policy adds a payment-processing risk margin to its merchant fee without saying how big.[10] Unknown isn't free.
The calculator takes your monthly paid USD sales and average order size and works out the number of payments. It applies one pricing band to the whole month, so it says nothing about whether a provider reprices progressively or retroactively. The lowest, annual and difference labels count the fee only, and annual just repeats the selected month.
- CoinGateLowest estimate
$100$100 1.00% - BitPay
$225$225 2.25%
Published rate estimates only. Provider minimums, network, conversion, bank and account charges may be extra.
In that case, BitPay's starting standard rate is 2% plus USD0.25 per payment below USD500,000 in monthly volume, and higher bands cut the percentage while keeping the fixed part. That's dated evidence, not today's quote for a merchant.[30] CoinGate's Standard headline is 1%, with its own service charges and the margin mentioned above.[9]
On USD10,000 of paid sales in a month at a USD100 average order, that's 100 payments: BitPay's fee comes to USD225 and CoinGate's to USD100. At a USD20 average order the same sales mean 500 payments, and the fees are USD325 versus USD100. That's the fee alone, not your complete cost or what reaches your wallet.
Try your own average order size before chasing volume discounts. The fee calculator guide explains how to read a limited model without counting the charges it leaves out as savings.
BTCPay belongs in a different budget: its deployment FAQ describes free software that you have to host. Hosting, someone's time and moving the money afterwards all cost extra.[18] Coinbase's migration rate, B2BinPay's tariff by asset and Confirmo's schedule, which may not apply to you, don't fit this illustration either.
What should a completed sale and return look like?
You want one connected record: the customer's payment, the decision to ship, the money reaching you, and any refund later. A payment request, a balance credit or a transfer instruction only covers one stage of that.
What integration and support work stays with you?
Someone has to decide when an order counts as paid and own the fix when the connection fails. Whoever maintains the integration should be able to walk you through normal payments, late or short payments, repeated notifications, refunds and exports.
Status labels vary by provider. CoinGate's order documentation treats confirming and paid as different states, describing network confirmation and merchant credit, so a status rule from one provider can't be copied into another integration.[14] Coinbase's checkout documentation warns that a customer can land on the success URL before payment completes, and calls for authenticated payment confirmation rather than shipping from the redirect alone.[24]
A plugin listing or API example is no proof that a maintained package works with your shop version, that repeated messages won't ship an order twice or that records will reconcile. Our API gateway comparison helps you ask your developer who maintains the connection, handles updates and fixes a missed order.
BitPay's recurring bills are emailed requests that the customer pays, not automatic debits from an external wallet.[7] If subscriptions matter to you, ask what the customer has to approve, what happens when a payment fails and how cancellation works.
A support channel, advertised hours or a status-page link don't tell you how fast anyone answers or how often the service is down. BTCPay describes contributor and community help and says outright that it doesn't guarantee or vouch for support you arrange yourself.[19]
- 01
Agree the offer
Check that you're eligible and that the activity, customers, product, payment method, destination, full quote and agreement all line up.
- 02
Own the order
Put someone in charge of checking payments against the provider's own record, shipping, exceptions and repeated notifications.
- 03
Own the records
Match invoices, account credit, incoming transactions, fees and refunds to your orders.
- 04
Cover problems
Decide who maintains the setup, who covers absences, who handles support escalations and who can reach old orders if you switch.
Can you handle refunds and leave cleanly?
Pick a gateway that lets you handle valid refunds and wind down old obligations. A crypto transfer can't be undone, but whether a customer is owed money back depends on the sale and its rules.
Reports help, but someone has to match them up. BTCPay's docs describe CSV exports for on-chain wallet transactions, products sold and accounted invoice payments, which show three different views of the business.[21] Its refund documentation likewise treats the customer's claim, your approval, signing and the finished blockchain transaction as different steps.[20]
CoinGate advertises balance-funded full and partial refunds, but the "free otherwise" wording on its refund page conflicts with how it presents pricing. Hold off promising a free return until you've seen the refund preview and your agreement.[15] Its processing Special Terms also cover refunds of credited sales and incomplete or suspended payments, and they don't end your own obligations to the customer.[12]
Before switching, find out how the old provider handles remaining balances, minimums, unpaid requests, reusable addresses and pending refunds, and keep the records and access you'll need to finish them. A new checkout doesn't move an old customer's order into the new provider's system.
The merchant's guide to choosing a processor can help with those final questions.
How is this ranking calculated?
The ranking applies our usual formula to the public records of every provider we've reviewed. CoinsPaid's merchant service appears as CryptoProcessing. The overall weights are cost 25%, fiat 15%, licence 15%, coins 10%, integrations 10%, features 10%, support 10% and onboarding 5%. The methodology explains the model. The fit judgments in this guide are ours and aren't part of it.
Cost uses a fixed basket of payments and only the prices we could find. Licence points come from older evidence, not a new permission check, and coin counts and network labels can mix different products. Integration and feature scores reflect what's on paper, and support channels or a status page say nothing about performance or uptime. A light signup, or none at all, doesn't mean your activity, host or bank would be approved.
Use the positions to organise your research, then drop options that fail your own list of needs. A high score is no substitute for a payout option you don't have, a price nobody has quoted or an account you can't get.
The other providers in the list are scored from the records behind their own reviews, each dated on its review page. We read the relevant parts of the listed primary sources on 19 October 2026. For BitPay's pricing and Acceptance Terms we're relying on evidence read on 11 October and haven't reread the originals. CoinGate's standard rate also dates from 11 October, though we reread its public headline for this article. We haven't applied for accounts, installed integrations, sent payments or refunds, measured support or audited security, and we couldn't verify merchant offers, approvals or the full cost of receiving money. The company, fee model and order in this article are hypothetical.
Crypto payment gateway FAQ
What is the best crypto payment gateway for a small business?
Are all the options shown available to a Canadian company?
Is a crypto payment gateway the same as a processor?
Does supported Bitcoin mean my account can accept native BTC?
What is missing from the fee calculator?
Is BTCPay Server free to run?
Does a licence mean a provider can approve my business?
When should I mark an order paid and ship it?
Can a customer get a refund after paying in crypto?
What should I ask before switching gateways?
Sources
31
Numbers in square brackets in the text link to these sources.
- BitPay merchant onboarding countries · Checked 2026-10-19
- BitPay company, owner and receiving-detail checks · Checked 2026-10-19
- BitPay invoice states and fulfilment · Checked 2026-10-19
- BitPay settlement and external BTC-wallet route · Checked 2026-10-19
- BitPay refund funding and stages · Checked 2026-10-19
- BitPay refund authorisation, value and lifecycle · Checked 2026-10-19
- BitPay recurring bills require customer payment · Checked 2026-10-19
- CoinGate merchant countries · Checked 2026-10-19
- CoinGate Standard pricing and service charges · Checked 2026-10-19
- CoinGate Commercial Policy and unpriced quote margin · Checked 2026-10-19
- CoinGate General Terms, effective 1 January 2026 · Checked 2026-10-19
- CoinGate processing Special Terms, effective 1 September 2026 · Checked 2026-10-19
- CoinGate acceptance, settlement and withdrawal inventories · Checked 2026-10-19
- CoinGate confirming and paid order states · Checked 2026-10-19
- CoinGate merchant refunds and conflicting fee summary · Checked 2026-10-19
- BTCPay wallet receiving and signing · Checked 2026-10-19
- BTCPay third-party hosting and future-payment risks · Checked 2026-10-19
- BTCPay deployment responsibilities and software cost · Checked 2026-10-19
- BTCPay community and separately arranged support · Checked 2026-10-19
- BTCPay refund claim, approval and completion · Checked 2026-10-19
- BTCPay reporting and CSV exports · Checked 2026-10-19
- Coinbase Business availability and verification · Checked 2026-10-19
- Coinbase Business single-use checkout and account-displayed fees · Checked 2026-10-19
- Coinbase checkout confirmation and authenticated notifications · Checked 2026-10-19
- B2BinPay processing tariff by asset group and minimum commission · Checked 2026-10-19
- B2BinPay El Salvador AML policy, revised 9 March 2026 · Checked 2026-10-19
- B2BinPay entity disclosures and functional custody · Checked 2026-10-19
- Confirmo Limited Irish Terms, updated 2 October 2026; selected clauses · Checked 2026-10-19
- Confirmo Limited Irish Commercial Policy; selected clauses · Checked 2026-10-19
- BitPay standard pricing, read 11 October 2026 · Checked 2026-10-11
- BitPay Acceptance Terms effective 1 April 2026, read 11 October · Checked 2026-10-11