Confirmo Review 2026: Fees, Bank Settlement and Who It Suits

Our verdict

Confirmo

#3 Lowest fees · 2026#3 Stablecoins · 2026

Shortlist Confirmo if you're approved for business checkout and both its payout and its full quote fit your cash flow. The Irish 0.8% invoice fee is a useful reference, but the tariff version, the extras it doesn't price and bank arrival are still open. Subscribe and recipient payouts come with their own terms.

72

/100

#4 of 27 · Best overall

Best for

• Verified businesses that want managed crypto checkout
• Approved merchants taking euros through a bank payout agreed up front
• Shops that invoice customers and check sales against a balance Confirmo holds
• Businesses weighing the subscription or recipient-payout products

Not for

• Owners who need payments to land in a wallet only they control
• Businesses that read a currency list as account approval
• Shops budgeting from the processing percentage alone
• Owners who need a guaranteed same-day bank deposit

Visit site See the feesScore breakdown

Treat the figures below as an Irish business-invoice reference, assuming your company, activity, country and contract version qualify. They cover 0.8% processing and the 0% own-settlement service only. Quote and risk margins, network costs and minimums, bank and partner charges, account fees and the cost of refunds, recovery, exceptions or abandoned accounts are all left out, so what's left after fees isn't money released to you or in your bank.

At a glance

Fees on a $10k month

$80

0.80% at $100 orders

Bank payouts

1

EUR

Crypto assets

10

USDT · USDC · USDG

Trustpilot rating

Not stated

215 reviews

What does Confirmo do for your business?

Confirmo collects crypto payments, credits them to a balance and helps you move that balance to a destination it has approved. This review uses Confirmo Limited's Irish business invoice service as its baseline. The Irish Terms cover business clients using its EU/EEA services, and the brand also has US, Dominican and UAE companies. Which one is responsible for you depends on your agreement.^[4]

Your customer gets an invoice, picks a supported coin and network, and sends the amount shown. Once the payment meets Confirmo's conditions, you're credited in the receiving asset you chose, so you can match the order against a balance instead of handling each customer's coin yourself. Settlement comes afterwards, and a paid order isn't the same as spendable bank money.

Confirmo advertises checkout, deposits and mass payouts, plus a subscription service. Its homepage claims 10+ currencies and 141 countries, which describes its advertised reach, not your enabled coins, permitted customers or receiving bank.^[6]

The Irish policy treats invoicing, settlement to your own destination and recipient transfers as different operations.

Can your company and activity qualify?

You need business approval, up-to-date company information and checks on the people behind the company. Verification doesn't stop after onboarding: approval can be delayed, refused or suspended, and later requests for information can affect your access.

The published rules look at the company, its representatives and its beneficial owners, the people who ultimately own or control it. They also require lawful business activity and any permissions it needs. Confirmo keeps internal country and sector risk lists, so an industry page on its site isn't the whole approval policy.

That matters for the iGaming, forex, prop trading and payment-service businesses in its marketing. You may need your own licence, but even with one Confirmo may not approve your particular model. We couldn't find out whether adult and VPN businesses are accepted. And a business outside the Irish agreement can't borrow it just because the brand advertises international reach.

1. 
   01

   Find your agreement

   Work out which Confirmo company and tariff version cover your business and the product you want.

2. 
   02

   Describe the activity

   Tell Confirmo what you sell, who owns the business, which countries your customers are in and what permissions you hold.

3. 
   03

   Pick the destination

   Pin down the company bank account or wallet you'll be paid into, plus currency, minimums and restrictions.

4. 
   04

   Plan for ongoing checks

   Decide who'll handle document updates, held orders and matching transactions to sales.

Our processor selection guide goes deeper on those questions. The high-risk account guide explains why a payment provider accepting you doesn't replace the permissions you need to run the business.

How much does Confirmo charge?

Take 0.8% for Irish invoice processing and 0% for its own-settlement service as a starting reference, then work out the full price for your account. The tariff behind them was updated on 19 December 2025 and took effect on 30 December. We read it earlier, not on 15 October. Recipient payouts carry their own 0.5% charge plus network costs.^[2]

A 0% own-settlement charge still leaves networks, banks and intermediaries to be paid, and sending your own proceeds to your wallet isn't automatically a recipient payout.

Which tariff applies today?

The main Irish schedule was updated on 2 October but is effective 1 November 2026, still ahead when we checked on 15 October. It repeats the service percentages and adds specific recovery wording, which may not apply to an October account yet.^[3]

The US LLC and Dominican SRL schedules are different documents, effective 16 October. The percentages match but the agreements don't: the SRL document, for example, lists an abandoned-account charge of the balance's full value, while the Irish document lists EUR 10 per month.^[14] Both were still ahead on 15 October.

The posted Irish Terms already mention USD 100 plus network costs for recovered mispayments, while the replacement tariff hasn't started. We can't turn that mismatch into one current recovery price, or assume recovery is free until then. Ask Confirmo which agreement and fee schedule apply to your account.^[4]

The calculator uses only the earlier Irish invoice reference, 0.8% processing and 0% own-settlement, before the extra costs listed at the top of this review, so its annual figure isn't a full bill or a saving.

What does a $10,000 month look like?

Say a hypothetical shop takes 100 orders averaging $100. That's $10,000 of sales and $80 in the included processing charge, leaving $9,920 before the other costs. Dollars are just a reference unit here, not a conversion quote or a claim that this Irish account receives dollars at a bank.

The curve repeats the same Irish 0.8% and 0% reference. A flat line shows only the included fees, not the full bill, and changing order size doesn't change that.

Our fee calculator guide explains partial inputs. The BitPay fee breakdown and CoinGate fee breakdown give a wider comparison, splitting incoming charges from the cost of receiving proceeds.

Which other costs deserve attention?

The conversion quote is the first gap. A spread changes how much one currency buys, and Confirmo's customer-price methodology includes one without publishing a percentage. Automatic conversion has no execution fee of its own, but it may still carry a spread.

The customer also pays a dynamic network charge for consolidating the payment, including a risk margin, and it doesn't automatically reduce the amount credited to you. Recipient-payout network estimates have their own risk margin, and settling to your own crypto wallet has its own network-cost terms.^[5] Compare what the buyer sends with what you finally receive, so you don't subtract a published fee twice.

A hypothetical recipient payout of 1,000 units at 0.5% costs five units in service charge before its own extras. It doesn't automatically join the shop's invoice month as an $85 bill. Match the operation and currency before you add anything together.

Refunds, payment exceptions, recovery and abandoned accounts can each carry a charge or an amount Confirmo keeps. We couldn't find a complete onboarding, monthly, support, partner-bank or account quote for your business.

When can you use your money?

A credited balance sits inside Confirmo until it's paid out to your bank. The Irish crypto-settlement cycle has an 08:00 business-day cutoff, with broadcast usually within four hours, subject to checks and operating conditions. Broadcast means the transfer has been sent to the network; confirmation follows. None of this tells you when euros reach a bank.

For bank funds, the same policy uses payment-service partners. Its automatic conversion rules turn qualifying leftover crypto balances into EUR between 23:00 and 23:15 after the end-of-following-business-day trigger. That gives you a euro balance, not a started bank transfer or an arrival deadline.^[5]

A transfer needs an approved destination, and minimum balances, fees, information requests or network incidents can stop it. The customer's payment, your balance credit, the transfer instruction, its release and the money arriving are all different steps. We couldn't find a universal bank minimum, a complete quote for bank transfers or an arrival promise for the account you'd open.

Is Confirmo licensed, and what does that protect?

The Irish company has an older official authorisation record, and you need to match its permission to the service you want. Our Central Bank of Ireland check still carries its 26 September 2026 verification date. The later 11 October AFM entry lists Irish-based cross-border crypto exchange and transfer services into the Netherlands under Article 65, but doesn't verify PSD2 permission or refresh the Irish record.^[17]

On 15 October, Confirmo's legal page listed Irish crypto-service authorisation and payment-institution permission for electronic-money-token transfers. That's Confirmo's own claim, and narrower than a promise covering every bank service, product or country. The UAE company's published application is still only an application, and it says plainly the company isn't authorised to conduct virtual-asset activities there.^[1]

The verification flags in the table below come from the older official record. They aren't new government checks from 15 October, an approval of your merchant activity or proof that every product has the same payment permissions.

A licence is a reason to read the agreement carefully, not to skip it. The company you're contracting with, the service, the countries it allows and how it handles your money all still have to fit your business. This is general information, not legal advice.

Who controls the balance while you wait?

Confirmo handles the assets before settling them, so payments don't arrive directly in a wallet whose spending keys you alone hold. We call that custodial in practice. The Irish Terms say Confirmo isn't an authorised crypto-custody service, while describing temporary, potentially pooled client assets and contractual trust and segregation protections.^[4]

Those promises matter, but we haven't independently confirmed any safeguarding, insurance or insolvency outcome. We couldn't find a rolling-reserve policy, so we can't rule out a held balance.

If direct control matters most, our BTCPay Server review explains what running checkout with your own signing wallet involves. If you'd rather have a managed service, compare contracts using our Coinbase Business review, and don't treat either brand's wallet language as enough protection. This is general information, not legal advice.

Which coins and networks should you offer?

Confirmo's PSP page advertises USDT on six networks and USDC on five, including BNB Smart Chain.^[8] The Irish settlement table lists four USDC networks and leaves out BNB, so what you get depends on the product and receiving direction.

Subscribe advertises its own USDG networks, which don't apply to ordinary checkout or payouts. Its product page also has repeated network lists that don't match. And a listed token and network isn't independent confirmation of issuer compatibility or permission for your account.

Make the buyer's choice obvious: coin, network, exact amount and invoice status all matter. A customer holding USDT may not hold it on the network offered at checkout.

We'd favour a short list of confirmed options over a catalogue claim. Our Crypto.com Pay review compares the customer journey if wallet participation matters, and the Coinremitter review covers a crypto-only balance with no bank receiving service.

How much work does setup and order handling take?

Confirmo publishes a website interface, emailed invoices and ready-made HTML payment buttons, plus an API for a more integrated checkout.^[7]

The WooCommerce and Shopify mentions we found give no sign of a maintained package, a supported version or a working installation. We haven't verified plugin compatibility or sandbox availability, so get Confirmo to explain how it works with your platform before you pay for a new shop build.

Decide who handles expired invoices, pending payments and wrong amounts, and keep the invoice identifier with the order so whoever does your books can match the sale, the balance credit and the later transfer.

What happens to late payments, mistakes and refunds?

The Irish invoice policy starts with a 15-minute window for fiat settlement or 30 minutes for crypto settlement. Optional five-minute extensions can reach 60 minutes, with a new quote, so the original exchange-rate promise doesn't carry on. Confirmation and compliance conditions still apply.^[5]

A payment that's short, too large or late is an invoice exception. The Irish Terms describe a 30-day window from invoice creation. After that Confirmo has no obligation to resolve or refund it, and a non-refunded-exception charge applies.

Sending the wrong coin or using the wrong network is a mispayment, handled differently. Recovery is manual and discretionary and may be impossible. The Terms give no guaranteed recovery time and already contain the USD 100 clause covered above, so don't assume a price until you know your account version and the network costs.

An ordinary refund for a cancelled sale is a new crypto transaction at the exchange quote and fees when it's executed. Confirmo doesn't return the original processing fees, and a small refund may be refused when its costs would eat the amount.^[4] Don't promise a customer the original coin amount, an instant refund or a card-style reversal.

Can Confirmo collect subscriptions automatically?

Confirmo has announced Subscribe, an automated stablecoin subscription product. It says customers approve each subscription once through a scoped smart contract, the on-chain program that carries the permission, which limits collection and allows cancellation. Those are Confirmo's claims, not an independently audited result or something we've tested.^[9]

The July launch announcement describes recurring collections from self-custody wallets and exchange accounts.^[10] September's announcement says Arbitrum support is live and adoption has expanded beyond its FTMO pilot.^[11] The product page still includes a future-tense design-partner testimonial. Confirmo says it has launched, but your own access is unconfirmed.

If you run a membership or software business, ask Confirmo how customers fund a subscription, what balance or allowance they need, how cancellation works, whether your account is eligible, and which agreement and tariff apply.

Sending regular payments from your business is a different service. The Payouts page advertises scheduled and standing orders, but the Irish policy's recipient scenario describes each confirmed transfer as one instruction with no standing schedule.^[12] Ask which product and agreement would give you the scheduling you need.

What are support and user reviews like?

Confirmo publishes ways to contact it, but we haven't measured how fast or how well it answers. The Irish Terms give support@confirmo.net, and Checkout advertises 24/7 support and responses within 24 hours, including Slack. Ask which channels come with your account and who deals with payment problems outside your own working hours.

Formal complaints go to complaints@confirmo.net or the published postal address. The Irish policy provides email acknowledgement within one business day, postal acknowledgement within seven business days, a five-business-day completeness review and a decision within 60 days, with the extensions it lists.^[13] Those are policy commitments, not measured service levels or a deadline for a refund, recovery or release of funds.

Trustpilot's confirmo.net profile showed 215 reviews with its rating withheld when we checked. Trustpilot says reviews were removed for a guidelines breach. Visible feedback comes from customers who paid merchants and from people going through recovery: some praise support or returned money, others describe delays and trouble with recovery. They're unverified user reports, not a study of how often merchants have problems, and we make no finding about individual allegations.^[18]

We don't fold older review counts or Trustpilot's confirmo.com profile into a current score. Use the reports to ask Confirmo about held payments and small mistaken transfers; its own uptime and longevity claims don't replace that.

Which alternatives deserve a closer look?

Compare alternatives by the problem you need solved, once you've checked your company can use them. Each depends on approval.

CoinGate is worth a look for a company in one of its listed countries that wants managed checkout and euro receipt. The US and UAE aren't on its merchant-country list, and a listed country still needs account and activity approval.^[20] Its Standard 1% comes with an unpriced quote risk margin and its own receiving and refund conditions.^[22] USDT isn't in its current merchant-acceptance catalogue.^[21] See our CoinGate review.

BitPay can suit a US or Canadian shop that qualifies and wants managed checkout and bank settlement. New EEA, UK and Australian merchant onboarding is paused, and state, activity and account conditions apply.^[24] Budget for its published processing tier, a non-refundable application fee it doesn't price and the cost of your receiving route.^[25] Our BitPay review explains why BitPay issuing a settlement and your bank receiving it are different steps.

Self-run BTCPay suits a lawful, Bitcoin-focused business that can handle signing, software and day-to-day operation. The software charges no processing percentage, but hosting, staff, network and optional partner costs remain.^[27] Signing from an external wallet differs from a hot wallet on the server,^[28] and a host's shared Lightning wallet receives funds under the host's control.^[29] The BTCPay control comparison covers why the setup matters.

The cards show processing or software charges only, for accounts that each need approval. CoinGate's quote margin, BitPay's application fee and BTCPay's hosting and staff costs aren't in those headlines. The card order says nothing about whether you'd be approved or which option is cheapest overall.

1. 1

   CoinGate

   Managed checkout for an approved listed-country business

   81/100

   1%
   • Euro receiving, if approved
   • A published Standard percentage
   • The US and UAE aren't on its country list, it doesn't list USDT for merchant acceptance, and quote margin plus receiving and refund costs come on top.
   Read review ↗Visit site
2. 3

   BitPay

   Managed checkout with bank settlement for a qualifying US or Canadian shop

   73/100

   2% + $0.25
   • Published processing tiers
   • Published bank-settlement options
   • New EEA, UK and Australia onboarding is paused, and state and activity checks, an application fee and bank conditions apply.
   Read review ↗Visit site
3. 12

   BTCPay Server

   Bitcoin checkout for a business that can run it itself

   57/100

   0%
   • No processing charge on the software, before running costs
   • Signing from an external wallet can keep spending keys off the server
   • You handle maintenance and payment support yourself, and hot wallets, shared Lightning wallets and conversion partners change who has control and what it costs.
   Read review ↗Visit site

How does Confirmo score in our comparison?

The score weighs what we found against the site's published factors. It says nothing about whether you'd be approved, what an unpriced bank route would cost or whether a support request would succeed. A published support channel is good to have but tells you nothing about quality.

Our methodology explains the weights and limits, and the money-related factors stay partial where extra prices aren't known.

What evidence supports the review?

Frequently asked questions

Updated 15 October 2026. Added the Irish invoice review, the different products and tariffs, the subscription announcements, support channels and the limits of the review profile. Older tariff and official records keep their original dates.