CoinGate Fees (2026): Processing, Withdrawals and Extra Costs

How much does CoinGate charge per payment?

CoinGate's Standard fee is 1%, so a $100 order costs $1 before any other charges. There's no listed fixed fee per payment, and CoinGate says account creation, setup and monthly use are free.^[13] That makes small orders easier to budget, since the fee scales with the sale instead of taking a flat bite from every basket.

Standard has no published volume bands, and Enterprise prices are custom.^[2] Selling more doesn't earn a publicly promised discount. If you expect to grow, ask for an offer that spells out what changes in how you take payments and move money out, and compare it with your current bill.

Small baskets show the difference. BitPay's fee structure starts at 2% plus 25 cents below $500,000 in cumulative monthly volume, then publishes lower tiers. On a $10 order that starting fee is 45 cents; CoinGate's is 10 cents.^[18]

The full CoinGate review covers eligibility, supported assets and store integrations.

What fees should you put in your budget?

Budget for the fee on each payment, the exchange quote and the cost of getting money out. Paying somebody else is priced differently from withdrawing your own sales. Settlement is the step in between.

Fixed charges are in euros, as CoinGate publishes them. SEPA is its euro bank transfer, and SWIFT is the other way to withdraw to a bank.

Routine prices come from CoinGate's pricing page and fee guide, and the exceptional charges from its terms.^[11][5] There's no published card-style chargeback fee: CoinGate describes merchant-controlled crypto refunds instead of forced bank reversals,^[7] but you're still responsible for a valid customer refund.

What does a typical month cost?

A $10,000 month of $100 orders costs $100 in CoinGate's fee, against $225 at BitPay's starting tier. That's a $125 monthly gap before conversion, withdrawals and other costs.

The calculator shows the fee only. It leaves out provider minimums, network and bank charges, the quote margin, payment exceptions and B2BinPay's per-network minimum commissions. Conversion has a cost even where no spread line appears, and custom prices need a quote.

B2BinPay's illustrated base rate is for coins; its starting stablecoin rate is 0.50%. Confirmo's active Irish schedule lists 0.8% invoicing.^[22][20]

The dollar receipts and euro illustrations assume no exchange rate between them, so the rate you get converting dollars or pounds to euros will move the totals.

On $10 orders, a $10,000 month is 1,000 payments. CoinGate's fee stays at $100, while BitPay's starting charge is $450. That's why order size matters as much as monthly volume.

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

SEPA has no listed withdrawal fee, while SWIFT costs at least €50 every time you withdraw. The help centre's €50 minimum amount is a balance you must reach, not a fee: with €35, you'd wait.^[12]

CoinGate lists dollars and pounds by SWIFT only, with euros available by SEPA or SWIFT.^[8] So taking dollars because your invoices are in dollars can make a small merchant's bank transfers expensive, even when the 1% fee fits the budget and every customer pays the exact invoice amount.

At €10,000, 0.50% equals €50, and below that the minimum takes over. A €10,000 sales month leaves €9,900 after the 1% fee. One SWIFT withdrawal adds €50, while four withdrawals add €200. The known charges come to €150 or €300 respectively, before the quote margin.

CoinGate publishes weekly automatic settlement for Standard, and weekly or on-request settlement for Enterprise. Faster or custom schedules have to be arranged with CoinGate; Standard doesn't include them.^[2] A monthly SWIFT withdrawal is only a budgeting scenario until CoinGate confirms the schedule you can use.

CoinGate says it reviews withdrawals manually, generally within a few hours, and up to 24 hours for larger amounts or extra checks. Bank business days and blockchain confirmations still affect when you can use the money.^[16]

Is conversion included in the 1% fee?

CoinGate's 1% manual-exchange fee doesn't apply to automatic conversion at checkout, but its quotes include an unpublished risk margin, so you can't budget conversion as free.^[3]

A quote margin works through the exchange rate instead of appearing as another line on the invoice. The Commercial Policy doesn't say how big it is or clearly split its cost between shopper and merchant. CoinGate's public converter shows live rates but no margin percentage you could put in a budget.^[10]

Manual conversion works differently. If you hold €5,000 worth of crypto and convert it later, the published 1% exchange fee is €50, before any difference in the quote. Withdrawing doesn't convert your balance into another currency for you; CoinGate's instructions say to convert it first.^[15]

Before you pick a receive currency, compare what the shopper has to send with what's credited to you, and ask CoinGate for a worked quote that itemises the fee, the conversion and the withdrawal. The processor selection guide covers the wider questions to settle before you integrate.

Who pays network fees and underpayments?

The shopper pays the network cost when sending a payment, and CoinGate says you pay it when you send a payout to somebody else.^[11] A network fee is the blockchain's charge, not part of CoinGate's percentage.

Withdrawals to your own wallet are less clear. The pricing page says they're free, but the fee article describes transfer costs and the withdrawal instructions show a network-fee preview.^[13] We couldn't find a universal rule for whether that cost is included or deducted on every own-wallet withdrawal, so look at the total shown before you rely on the free label.

When an unsuccessful, incomplete or refunded payout returns to CoinGate, the terms allow network or third-party deductions.^[6] That clause covers returned payouts only.

Underpaid Cover is a cost you control. You can accept a shortfall of up to 10%, but the fee is still charged on the full order.^[14] On a €100 order that arrives €2 short, you're left with €97 after the €1 fee. Your loss against the listed sale is €3, even though only €1 of that is CoinGate's fee.

CoinGate lists USDC on networks including Base and Solana, so compare the live wallet charge instead of assuming one network is always cheapest. USDT isn't on its merchant acceptance list.^[8] If your shoppers need Tether, see the CoinGate and NOWPayments comparison.

What can happen to a stuck payment or unused balance?

A stuck payment can lose its entire refundable amount. In the payment-processing terms we read on 11 October 2026, clause 6.12 describes 1% daily accrual from the payment date, waived if the refund is claimed and the requested information is supplied within 100 days.^[4]

An account counts as dormant only after both 12 months without customer-initiated transactions and six months without replies to due-diligence requests. The terms describe 2% weekly accrual, minimum €10, calculated but not deducted during the 350 days after dormancy, with a possible waiver on reactivation. When accrual reaches the balance there's a 15-day claim period, and dormant balances below €10 are deducted and the account closed immediately.^[5] Don't count on the waiver. Withdraw unused balances and answer account requests.

A help article gives a different abandoned-account charge: 0.5% monthly, minimum €10. We use the general terms above, so ask CoinGate which applies to your account.^[17]

Fees can change too. Amended fees generally take effect 30 calendar days after publication, but exchange rates aren't covered by that notice rule. This is general information, not legal advice.

How much does a CoinGate refund cost?

Pricing lists €0.25 plus 0.1% when currencies differ, and the fee explanation says €0.25 for same-currency refunds.^[11] A refunds-page summary says free otherwise, which conflicts with that explanation and its own FAQ.^[7] Look at the preview before you promise a customer a free refund.

Going by the pricing page, a €100 refund with conversion costs €0.35 before any other charges. So a full refund is a cost to plan for.

The payment-processing terms allow a merchant refund request within 90 calendar days after your account is credited. After that, returning money is your responsibility.^[4] That's a different deadline from the 100 days on unsuccessful payments above, so if your return policy runs for several months, keep refund dates with your order records.

Is CoinGate cheaper than other processors?

CoinGate's starting rate is lower than BitPay's and higher than Confirmo's and B2BinPay's. The table also covers broader features.

	CoinGate	BitPay	Confirmo	B2BinPay
Score	81/100 · #1	73/100 · #3	72/100 · #4	62/100 · #9
Payment fee	1%	2% + $0.25	0.8%	0.4%
Cost on $10k/month	$100	$225	$80.00	$40.00
Pays out to bank	EUR, GBP, USD	AUD, CAD, CHF, EUR, GBP, MXN, NZD, USD	EUR	EUR, USD
Stablecoin networks	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: Not stated · USDC: Not stated
Coins	12	19	10	Not stated
Custody	Custodial	Custodial	Custodial	Custodial
Merchant KYC	Required	Required	Required	Required
Rolling reserve	Not stated	Not stated	Not stated	Not stated
Licence	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)	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.
Plugins	WooCommerce, Wix, Magento 2, WHMCS, OpenCart, PrestaShop	WooCommerce, Shopify, Magento 2, WHMCS, Wix, BigCommerce	WooCommerce, Shopify	WooCommerce
Legal entity country	Lithuania	United States	Ireland	Not stated
Founded	2014	2011	2014	Not stated

BitPay publishes daily bank settlement and volume tiers. Our BitPay fee guide flags the conflicting euro and pound minimums instead of choosing whichever looks cheaper.

Confirmo's replacement Irish fee schedule takes effect on 1 November 2026.^[21] Its posted Terms already list USD 100 plus network costs for recovered mispayments.^[1] Which fee you pay depends on the entity, agreement and fee schedule version you sign up under, and the documents don't say earlier recovery is free.

B2BinPay's lower base rate comes with minimum bank withdrawals of €5,000 or $5,000. SEPA costs 0.50% plus €5. SWIFT costs 0.60% plus €35 or $35, so small transfers need a different plan. Its El Salvador policy restricts US and Canadian residents and companies despite a conflicting exemption footer.^[24] Eligibility comes before any quote.

Our fee calculator estimates the fee for your own volume, and the full gateway ranking weighs price against the services you need.

How can you reduce the cost without changing providers?

Pick the right bank route and avoid needless conversions before you ask for a lower rate:

1. Use SEPA when euros suit your business. Count any currency cost at your own bank before deciding it beats receiving dollars or pounds.
2. Ask about a withdrawal schedule that suits you. Fewer SWIFT transfers can cut minimum fees, but waiting longer leaves you less cash for bills.
3. Ask for an Enterprise proposal. CoinGate's Commercial Policy allows discounts for volume and other commercial factors, but promises no threshold or price.
4. Review how much underpayment you accept. A generous setting can lose more than it saves, so weigh the shortfalls you cover against the support work you avoid.
5. Handle exceptions early. Escalate held payments and keep track of CoinGate's information requests. The high-risk merchant-account guide covers hold and approval questions more widely.

Before you commit, check that CoinGate serves your company. Its supported-country list includes the UK and several European countries, and the United States wasn't listed on our read date.^[9] For a merchant settling in euros it's still a sensible option, as long as you budget beyond the 1% and understand the quote you accept.

CoinGate fees FAQ

Change log: 14 October 2026, reworded the B2BinPay policy note and the limits of the estimate. 11 October 2026, fixed claims that called totals all-in, labelled the dollar receipts and euro bank examples clearly, updated the active fee sources and reworded the dormant-account and returned-payout terms. 5 October 2026, first published.