CoinGate Review 2026: Fees, Payouts and Merchant Fit

Our verdict

CoinGate

#1 Best overall · 2026#2 Lowest fees · 2026#1 Stablecoins · 2026

Shortlist CoinGate if your business is approved, your customers use its accepted coins and euros suit your bills. The 1% processing rate is easy to model, but CoinGate doesn't publish the quote margin, and small SWIFT withdrawals are expensive. You also need someone to handle payment exceptions and account requests promptly.

81

/100

#1 of 27 · Best overall

Best for

• Approved merchants wanting hosted checkout and euro SEPA withdrawals
• Shops whose customers use bitcoin, USDC or another listed asset
• Businesses wanting invoices, plugins and a developer API

Not for

• US or UAE merchants relying on the current supported-country list
• Shops whose customers insist on USDT
• Businesses needing a guaranteed bank-credit date or an account they can leave unattended

Visit site See the feesScore breakdown

At a glance

Fees on a $10k month

$100

1.00% at $100 orders

Bank payouts

3

EUR · GBP · USD

Crypto assets

12

USDC · EURC

Trustpilot rating

Not stated

1766 reviews

Should your shop choose CoinGate?

CoinGate suits you best if you want a hosted payment page and euros for everyday business expenses. A plugin or billing link may do the job before you pay for a custom integration, provided your business gets approved and your customers are willing to pay in the accepted coins.

Start with your bank currency and your customers' habits. Euro suppliers and USDC customers make CoinGate appealing; regular Tether users would need another accepted coin before buying, and that extra step may outweigh a fee difference. The processor selection guide helps you turn those needs into a shortlist.

Can your country and business use it, and is CoinGate licensed?

Check approval before commissioning checkout work. CoinGate's current country list includes the UK, Australia and many European countries, but leaves out the United States and UAE. Its terms make that list part of eligibility, though a country's absence from it doesn't mean every CoinGate service is illegal there.^[7]

The merchant processing contract is for legal persons selling goods or services. Registering a personal account isn't approval to sell goods, so describe your company, operating countries, owners, activity and how you'd receive money before you spend on a connection your business may not be allowed to use.

You can check CoinGate's licences yourself. On 11 October 2026, the Bank of Lithuania register listed UAB Decentralized, company code 303423510, with payment institution and crypto-asset service provider licences valid from 16 December 2025. The register's main entry shows authorisation codes LB002324 and LB002323.^[8]

The linked detail pages show payment institution licence No. 60 and crypto-asset licence No. 2, which are different numbers from the authorisation codes. The crypto permission covers custody, transfers and exchange into funds or other crypto-assets. The regulator's announcement describes the payment institution permission as operations with electronic money tokens.^[11]

The table lists those authorisations. They don't cover every CoinGate service or applicant.

Gift cards are a different business. CoinGate's public navigation says Rewards Distributed UAB sells them, and that company isn't a regulated financial services provider. UAB Decentralized's regulatory status doesn't carry over to that product, and gift-card reviews say little about merchant checkout.

A licence tells you who the regulated company is. Whether you can use it and get at your funds depends on your activity, the service and your account conditions. This is general information, not legal advice.

How much does CoinGate charge?

Budget 1% processing plus whatever the payment quote and receiving costs add. Standard has no published fixed per-payment charge or monthly fee, and Enterprise is custom. The tariff lists processing, manual exchange, withdrawal, recipient payouts and refunds as different charges.^[1]

The quote margin is the part to watch. CoinGate's Commercial Policy says payment processing adds a risk margin on top of the 1% merchant fee but doesn't publish its size.^[2] To see what it costs, ask for the customer's sending amount and your credit on the same order; the 1% alone doesn't show how much of a sale you can withdraw after conversion.

Automatic conversion at checkout doesn't attract the 1% manual-exchange fee, so don't add that fee to every sale, though the quoted conversion isn't free. Converting an existing balance later is a different operation, so choose your receiving currency deliberately.

The calculator below compares CoinGate Standard with BitPay's published starting tier, 2% plus $0.25 below $500,000 of monthly volume. High-risk prices can be higher.^[30] Eligibility and the costs left out can matter more than the gap between them.

It counts processing fees only, across the whole month, and leaves out minimums, network fees, the quote margin and bank charges. CoinGate's Enterprise price isn't quoted, and neither is BitPay's application charge.

What does a $10,000 month cost?

On 100 orders of $100, CoinGate's processing fee is $100, leaving $9,900 before the costs above. At BitPay's starting tier, $200 in percentage fees plus $25 in fixed charges makes $225. The $125 gap is worth a closer look, but CoinGate's quote margin or your bank route could narrow it.

Smaller baskets don't change CoinGate's processing percentage, but sending costs and minimums still matter: a hypothetical $1 wallet charge is substantial on a $10 purchase.

The curve below shows processing fees only, again at $10,000 in monthly sales; our fee calculator guide explains the model's limits.

What do withdrawals cost, and when do you get paid?

Euro SEPA withdrawals are the clearest lower-cost way to reach a bank, and small SWIFT transfers need careful budgeting. SEPA and SWIFT are different systems. CoinGate lists EUR through either, while USD and GBP go by SWIFT only.^[6]

A €50 minimum amount means you must have enough to withdraw. A €50 minimum fee is money charged for a SWIFT transfer. Sending sales to your own wallet isn't automatically charged as a recipient payout. Our CoinGate fee breakdown goes into more detail.

This example stays in euros and leaves out the quote margin, network costs and recipient-bank deductions. Standard advertises weekly automatic settlement, so a single monthly transfer is only a comparison and would need an agreed schedule.

Standard's weekly release and Enterprise's weekly or on-request schedule don't mean a bank credits you the same day. CoinGate's help says withdrawals are reviewed manually, usually within hours, and larger amounts or extra checks can take up to 24 hours. Network confirmation and bank business days come after that.^[13] You'll want a cash buffer for payroll or supplier deadlines.

The withdrawal guide tells you to use a held balance in the required currency, and it shows a network-fee preview, so own-wallet withdrawals aren't guaranteed cost-free.^[14] CoinGate's fee guide puts the buyer's sending cost on the buyer and recipient-payout network costs on you.

Which coins can customers pay with?

Customers can pay with the listed merchant assets, but USDT isn't one of them. The current acceptance section names 12: bitcoin, Litecoin, Ethereum, Bitcoin Cash, XRP, TRON, Dogecoin, BNB, Polygon, USDC, Solana and EURC.^[6] CoinGate's other lists cover settlement, deposits and payouts, so they don't add to the checkout menu.

USDC is listed on Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base and Optimism, and EURC on Ethereum. The table shows the stablecoin pairs; ask which are switched on for your account before you advertise them.

A stablecoin can simplify pricing, but the network still matters: USDC on Base and USDC on Ethereum use different payment instructions. Likewise, CoinGate listing TRON's own coin says nothing about whether it takes USDT on TRON.

If your shop has loyal Tether users, ask whether they'd switch coins before you change checkout. If that would put them off, read the CoinGate versus NOWPayments comparison. Either way, don't go by a marketing coin count; get the exact asset, network and destination confirmed.

What does your customer do at checkout?

Your customer picks a currency and network, then follows the invoice's amount, address and payment window. CoinGate defines paid as network-confirmed and credited to the merchant, while confirming means it's still waiting for network confirmation.^[21]

The processing terms treat timed hosted invoices and permanent payment channels as different things. A permanent channel is assigned to a declared contact for a declared purpose, not as a general address for unrelated transfers.

1. 
   01

   Create the right request

   Match the invoice to the order and choose the currency your business should receive.

2. 
   02

   Give clear payment instructions

   The buyer follows the displayed asset, network, amount, address and expiry time, allowing for wallet sending costs.

3. 
   03

   Wait for accepted confirmation

   Your store checks the payment's accepted state and the order details before shipping.

4. 
   04

   Handle exceptions

   Short, late, excess or held payments need clear customer instructions and someone who sorts them out.

Before launch, ask your developer to test completed and cancelled payments and repeated notifications, so a $100 download neither ships after an unpaid order nor goes out twice.

What documents will CoinGate ask for?

Expect company and people checks before approval. KYB is the business side of identity verification. CoinGate's current guide asks for registration and constitutional documents, a live ID check for the person registering, IDs for the director and owners holding at least 25%, and proof of an operating address.^[12]

For the operating address, prepare a utility bill, lease or insurance document. If the business runs remotely, the guide allows the director's personal address evidence with a note explaining why that's where the business is run. It rejects driving licences and internal passports as ID, and bank statements, mobile bills and screenshots as address evidence.

A tailored compliance questionnaire normally follows the document review, so have one person pull together complete answers about your activity, operation and customer markets.

Allow time for review; we couldn't find an approval deadline. Commission production work only once CoinGate has confirmed your business and the service you intend to use, with any conditions explained.

Do its plugins, recurring invoices and reporting fit your shop?

CoinGate's plugin catalogue and API list options including WooCommerce, Wix, WHMCS and PrestaShop. Check the current package and versions for your platform before you assume it works.

WordPress.org lists version 2.3.0, testing through WordPress 6.8.11 and 400+ installations, while the changelog includes 2.3.1. It warns the plugin hasn't been tested against the latest three major WordPress releases.^[20] You'll need to confirm the package and checkout compatibility yourself; we haven't installed or tested it.

The billing page schedules recurring bills that recipients open and pay. A monthly hosting invoice still needs customer action, so plan unpaid renewals.

The API overview describes a sandbox and preformatted report exports.^[22] The business page describes browser point of sale and a white-label flow on your domain without CoinGate branding.^[24] CoinGate describes these; whether they're open to your account and fit your bookkeeping is a question for CoinGate.

How do refunds and incomplete payments work?

Ordinary merchant refunds and returns of unsuccessful payments are different jobs. The pricing page and the fee explanation list €0.25, plus 0.1% when currencies differ, and the explanation charges the €0.25 on same-currency refunds too. The refunds summary says refunds are otherwise free, which conflicts with that, so look at the preview before you confirm.

On a hypothetical €100 refund with a currency change, the tariff comes to €0.35 before other deductions. The refund guide supports full or partial refunds, with an available balance, wallet details and customer email confirmation. It values the merchandise at the current crypto rate, so the original coin amount and any refund of the processing fee aren't guaranteed.

Under the current processing terms, you can request a merchant refund within 90 calendar days after the account is credited, and returning money later is your responsibility. For an unsuccessful or suspended payment, clause 6.12 instead accrues 1% of the received amount daily from the payment date. The waiver needs a refund claim and all requested information within 100 days, or the received amount can be used up in full.^[4]

The two clocks run independently, and wrong assets or networks, missing information, technical limits and legal restrictions can all stop a return, so find out which process applies and answer requests quickly.

Underpaid Cover lets you accept a shortfall of up to 10%, with the fee charged on the full order.^[16] Automatic acceptance also requires arrival within the payment window, so a payment that's both short and late isn't covered.^[15] On a €100 order that arrives at €98, accepting the shortfall and paying the €1 fee leaves €97 before other costs. The €2 shortfall isn't a fee, but it still eats into your margin.

Recipient payouts have their own rule: cancellation isn't guaranteed, initiation fees may stay charged, and a returned unsuccessful or incomplete payout may be reduced by network and third-party costs.^[5] That applies to returned payouts, not to every successful withdrawal.

What happens if you stop using the account?

Under the current terms, an account counts as dormant only after both 12 months without customer-initiated transactions and six months without responses to due-diligence requests. Six quiet months of trading, with you still answering account questions, don't meet those conditions.

Section 23 calculates 2% of the remaining balance weekly, minimum €10. For the first 350 days after dormancy, it says calculated fees aren't deducted and may be waived if you reactivate. It also describes a 15-day claim period once the accrual reaches the balance. A dormant balance below €10 is deducted immediately and the account closes, with no six-month claim option afterwards.^[3] Those clauses interact, so there's no single guaranteed deduction date.

A help article still gives a conflicting tariff: 0.5% monthly, minimum €10, after six months without transactions or with invalid contact information.^[17] Ask CoinGate which terms and procedure apply to your account. Leaving forgotten funds in the hope of a waiver isn't a sensible plan.

Is CoinGate safe to hold your sales balance?

The public evidence supports a regulated custodial service, not an unconditional safety verdict. Custodial means access depends on CoinGate's account controls as well as the blockchain.

CoinGate's custody policy says customer assets are kept apart from company assets and each customer's holdings are recorded, and that withdrawals involve identity, wallet-ownership and compliance checks.^[26] Those are CoinGate's own descriptions; we haven't verified an audit or how it would recover from an incident.

The general terms say balances aren't insured deposits. They allow withdrawal restrictions during compliance checks, 30-day termination without cause, and immediate termination for specified legal or risk reasons. After an ordinary closure, withdrawing within six months still depends on ownership evidence and checks. You'll need a plan for paying bills if access is delayed.

Section 12 bars unlicensed financial services, unauthorised gambling, and adult content without lawful compliance and age verification.^[3] Meeting those conditions doesn't promise approval to every licensed operator, and our guide to high-risk payment options covers the activity questions. Customer payments are also restricted from Russia, Iran and other listed jurisdictions.^[18]

What support can you get, and what do reviews show?

CoinGate lists its support channels, but we haven't measured how quickly or well it answers. The help centre offers a form, Standard pricing lists email, and Enterprise lists dedicated technical support and an account manager. The custody summary also describes business-hours live chat and email, but we couldn't find the opening hours, time zone or which plans get it.

Before you sign up, ask who handles a stuck payment when your usual contact is away, and how to escalate. A listed support channel says nothing about how fast anyone answers.

The status page showed services online on our review date, with a 30-day view. It's CoinGate's own report of incidents, not a measure of reliability or a guarantee of payouts.

Trustpilot showed 1,766 reviews, 60% five-star and 30% one-star, but withheld the overall rating over a guidelines breach and reported removed fake reviews.^[29] The visible reports include payment holds, refund verification and support frustration, alongside positive experiences. Consumer and gift-card reports share the same profile, so the totals aren't a merchant failure rate.

Reports are unverified experiences, so use them as a reason to ask CoinGate about held payments and refunds.

What are CoinGate's main pros and cons?

Its strengths are a manageable hosted workflow and clearly described euro withdrawals. Its drawbacks are cost gaps, coin limits and account upkeep.

How does CoinGate score in the ranking?

Treat its score as a preliminary aid for building a shortlist, not as a sign you'll be approved or a total of what you'll pay. CoinGate's current overall score is 81/100 and its position is #1.

Our formula weighs costs, bank availability, licence evidence, coins, integrations, features, support and onboarding. It can't price the unknown margin or promise when money arrives. Public tables use verified details, while preliminary scores can include inputs we haven't published yet.

The full gateway ranking is the place to widen the shortlist, and offers are only comparable if they cover the same customers, currencies and way of receiving money.

Which alternatives address CoinGate's gaps?

Consider an alternative only if it solves a specific problem and accepts your business. For US availability, start with the BitPay review or Coinbase Business review; for a Tether-heavy checkout, look at the NOWPayments review and its exclusions.

BitPay takes US and Canadian merchant applications and has paused new onboarding in the EEA, UK and Australia.^[31] Its terms require a non-refundable application fee, and the amount isn't published, so the comparison above leaves it out.

Coinbase's transition guidance limits Business to US or Singapore legal entities and publishes 1% for migrating merchants.^[33] Its current payment-link guidance accepts USDC and USDT but sends merchants to sign in for current fees, so a new account can't assume the migrated rate.^[34]

NOWPayments lists USDT on TRON. Its fee help gives 1% same-coin and 1.5% with conversion or certain settings, while a walkthrough still shows lower, conflicting figures.^[35] Its FD Transfers terms exclude EU, UK, US and UAE residents or citizens, and people located in or resident in Russia, so ask how that applies to your company and its owners before you consider it.^[36]

1. 3

   BitPay

   A candidate for approved US or Canadian merchant accounts

   73/100

   2% + $0.25
   • Published processing tiers for comparing an offer
   • A hosted option if CoinGate's country list rules you out
   • Entry processing is 2% plus $0.25, there's an application fee with no published amount, and new EEA, UK and Australia onboarding is paused.
   Read review ↗Visit site
2. 5

   Coinbase Commerce / Coinbase Business

   Coinbase Business for eligible stablecoin-focused companies

   67/100

   from 1%
   • Payment links accept USDC and USDT
   • The transition guidance publishes a migrated-merchant price
   • Availability is limited to approved companies, new-account fees aren't public, and the old Commerce name is no guide to whether its checkout is still open.
   Read review ↗Visit site
3. 8

   NOWPayments

   USDT choices for an approved business

   63/100

   1%
   • USDT on TRON appears in the public currency list
   • Same-coin and converted payments have their own published rates
   • It excludes many countries and owners, its fee guidance conflicts, and network and receiving costs are extra.
   Read review ↗Visit site

What evidence changed this review?

Each row links to the original. These are what CoinGate's documents and reports say, not hands-on results.

CoinGate review FAQ

Change log: 14 October 2026, recounted the merchant assets, including Bitcoin Cash; other checks keep their earlier dates. 11 October 2026, refreshed the review from CoinGate's current pages, split quote costs from withdrawal costs, clarified approval and account deadlines, updated billing and support details, and removed old complaint counts.