Gateway Finder Quiz: Which Provider Fits You?

How should you use the gateway quiz?

Answer with what your business needs, including anything you haven't decided. The quiz covers sales of your own goods or services. It doesn't cover collecting for other sellers, specially reviewed activities or questions about an existing account or recovery.

You'll enter your registered location and your operating location, then company form, the exact incoming asset and network, how you'll receive the money, who runs what, your order workflow and how repeat payments work. Bank receiving also needs the bank's country and currency. If the terminology is unfamiliar, our gateway introduction explains the basic job.

The quiz keeps your answers in this page's memory only: no account, nothing saved, nothing submitted, and no customer documents collected. That describes this quiz, not every service on the website.

What does your result tell you?

A result shows how each reviewed setup fits your current answers and where our evidence stops. It isn't merchant approval, an application decision, a live price or a recommendation to start accepting payments.

The quiz covers BitPay Acceptance, BTCPay with an external on-chain Bitcoin wallet, Coinbase Business and CoinGate checkout. They always appear in the same order, which isn't a ranking. Each has important details left to check, so you may see only Needs checking and conflicts. One listed feature can't make up for an open question about your company or a receiving requirement the product can't meet.

Read each reason with the product name attached. A conflict with the BTCPay setup we looked at, an external Bitcoin wallet, says nothing final about every extension or hosted service. If every entry conflicts, none of the configurations we reviewed matches, but the wider market may still have something suitable. Invalid or unavailable results give no shortlist.

Blank means you haven't answered. Not sure means you've said you don't know yet. Fill the required fields to see results, then edit them as your plans change; the result updates, and reset clears it. Changing the payer route or the way you receive money also clears the choices that depend on it, so recheck those before relying on the new result.

Which answers change the next checks?

Your hard requirements decide what to look into first, so tell a must-have from a preference: wanting direct wallet control is different from being happy with either a provider balance or a wallet.

BitPay's merchant-country guidance lists the US and Canada and pauses new onboarding in the EEA, UK and Australia, and state and product limits still apply.^[1] CoinGate's list includes Canada, Germany, Singapore and the UK, though being listed doesn't match your business to a particular checkout or bank setup.^[3]

Coinbase Business's availability wording names C Corporations and LLCs “based in” the US and Singapore. It's unclear whether your registration, your operations or both have to qualify, so the quiz leaves that open.^[2] A registered-office address isn't a stand-in for where the work happens, and CoinGate's verification guidance treats the two as different, asking about the business and the markets it serves.^[4]

Before you commit, check your company form, owners, directors and controllers (their citizenship, residence and location), customer locations, activity and the exact account agreement. A country flag or a verification checklist covers only part of that. The selection guide helps you prepare those facts without putting identity documents into this quiz.

Can customers pay what you need to receive?

Look at the whole payment path, from the customer's exact asset and network to the way you'll receive the money. Pricing an order in dollars doesn't mean dollars will land in your bank.

Coinbase Business payment links and invoices accept USDC on Ethereum, Base, Polygon, Optimism and Arbitrum, or USDT on Ethereum, and credit the Business account in USDC. That doesn't mean the same asset reaches your external wallet directly, or that you get a bank payment.^[5] Its custom checkout overview describes account credit without confirming that same network list for custom checkout.^[6]

BitPay's invoice-method guidance includes native Bitcoin, treats on-chain and Lightning as different methods, and says availability varies with the shopper's or merchant's location.^[9] Its settlement guide describes a provider transfer made later, including wire for USD sent to banks outside the US. That general description says nothing about whether your company has an enabled account, a released balance or a suitable Canadian bank.^[7]

Circle publishes different USDC contract addresses for different networks, and matching the issuer's token is a different check from matching the processor's enabled method.^[14] Our USDT versus USDC comparison helps with that choice, and the USDT on TRON guide covers a network you can't assume from Ethereum support.

Who will operate checkout and control spending?

Choose a setup your team can run and supervise. Running software, approving spending and relying on a provider to release money are three different jobs.

BTCPay's external on-chain Bitcoin setup can keep spending keys outside the payment server, though it gives you no server signing, Lightning, conversion, managed balance or bank delivery.^[16] A host also controls its server and can affect future payment instructions, so keeping the keys external still leaves you trusting each new checkout instruction.^[17] The BTCPay review explains the operating choice.

Ethereum's wallet guide likewise treats the app, the account and the keys that approve transactions as different things, and funds held on an exchange mean relying on that exchange's custody.^[15] You needn't become a wallet specialist to ask who can move money and who covers when they're away.

Managed handling still leaves work with your shop. CoinGate's commercial policy describes crypto going to CoinGate's wallet, with checks before final execution, not a direct receipt into an external wallet.^[8] The CoinGate review covers the broader business questions.

Decide who maintains the connection, checks unusual payments, approves returns and reconciles records, and name someone to call when something breaks. Public feature descriptions say nothing about how a product works once it's installed or about a contracted response time.

What must the order and renewal process finish?

Your shop needs a reliable reason to fulfil each order and a supported way to collect the next payment, and an attempted payment or a recurring request settles neither.

BitPay's broadcast paid state comes before the confirmation condition you configure for fulfilment, and the merchant gets credit at complete. Partial, excess, expired and invalid payments each need their own handling.^[10] Coinbase's custom checkout guidance also tells merchants to fulfil from a verified payment success or completed status, not from the customer redirect alone.^[6] Our gateway workflow guide connects those stages.

BitPay recurring bills email the customer a request from which they generate and pay an invoice.^[13] Coinbase reusable links and recurring invoices likewise don't let anyone debit an external wallet. Ask how the repeat payment is authorised and what happens when it isn't paid.

1. 
   01

   Match the request

   Keep the current order reference, exact native amount, network, expiry and exception policy together.

2. 
   02

   Check before delivery

   Whoever runs checkout verifies the matching receipt in the provider's own records, and checks the confirmation conditions, before the shop releases goods.

3. 
   03

   Finish the records

   Reconcile payment, delivery and any approved return through to the end result, with linked references for each.

The ecommerce guide covers the shop's side of stock, dispatch and returns. A payment provider doesn't decide whether the parcel was delivered or cancel a customer's right to a return.

What does the processing calculator show?

The calculator below works out one hypothetical processing fee. It doesn't use your quiz answers. Read its assumptions before moving the controls; the calculator guide explains the limits of these estimates.

Assume a hypothetical Canadian stationery company, incorporated and operating only in Canada, owned and run by Canadian citizens who live there. It sells its own physical goods to customers in Canada through an already-approved standard-rate BitPay, Inc. Acceptance account, takes native BTC on Bitcoin, prices invoices in USD, has them credited in USD and receives released proceeds by USD wire into its own account at a Canadian bank. We haven't verified that such an approval exists, and eligibility, current pricing and bank suitability are all still open.

The price is BitPay's standard paid-invoice schedule as we read it on 11 October 2026, not a current quote. The figures leave out BitPay's minimum commission, its mandatory non-refundable application charge (we couldn't find a price for it), network and settlement costs, and conversion, bank and account charges, plus the cost of refunds, holds and closing the account. Unknown or excluded doesn't mean free.^[19]

On those assumptions, USD 10,000 of monthly volume and a USD 100 ticket make 100 paid invoices. BitPay's entry schedule of 2% plus USD 0.25 gives USD 225 in fees.^[18] The calculator applies the selected monthly sales band to the whole month, instead of working out where each invoice falls in that month's total, and the annual figure just repeats that month. The Lowest estimate label compares only this one fee model, so it says nothing about your full bill, spendable balance, bank proceeds, savings or when money will arrive.

The USD 225 answers one narrow budget question. Whether proceeds meet a transfer minimum or reach the bank is still open. The BitPay review covers the rest. This is general information, not legal advice.

How would the same sale and later return work?

BitPay's merchant refund guidance describes original fiat-value refunds converted at claim and requires sufficient ledger funding.^[11] Its customer guidance treats claiming, processing and the final refund notification as different steps, and a claim link isn't completed receipt.^[12]

How do you turn the result into a decision?

Before you buy integration work, take every requirement that's still open to the provider and ask for the exact product, company and people covered, customer markets, payment method, receiving conditions, full costs and who handles orders and returns. Write down what's confirmed and what's still open.

Our methodology explains why a listed feature or price is no sign you'll be approved. Come back to the quiz when your requirements change and read each reason again. What you want out of it is a shorter, clearer list of checks to finish before you depend on checkout.

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