CoinGate

Overview

CoinGate is a MiCA-licensed EU crypto payment gateway built for global businesses. It lets merchants accept crypto at checkout, send crypto payouts, and convert between crypto, stablecoins and fiat (EUR/USD) inside one regulated account — removing price-volatility risk while keeping the door open to crypto-native customers.

Trusted by 500+ platforms and marketplaces — including Hostinger, NordVPN, Surfshark, Alternative Airlines and Coinzilla — CoinGate is a strong fit for ecommerce, VPNs, hosting providers and fintechs that want a compliant, audit-ready crypto checkout without taking on crypto custody risk.

Best for: merchants who want to accept crypto and settle in fiat or stablecoins, especially those serving customers in the EU and 180+ countries.

Fees & Pricing

CoinGate has a transparent two-tier structure with no monthly fees on either plan.

Standard plan

Processing fee — 1% per transaction
Currency exchange — 1% on manual conversions (automatic checkout conversions excluded)
Crypto payouts — €0.50 + 0.5%
Crypto payouts with conversion — €0.50 + 1.5%
Withdrawals (crypto & SEPA) — free (min €50)
SWIFT withdrawals — 0.5%
Refunds — €0.25 + 0.1% (only if the refund currency differs)
Deposits — free
Automatic settlements — weekly

Enterprise plan

Volume-based custom pricing — lower rates negotiated to your volume.
On-demand automatic settlements and priority processing.
Dedicated account manager and developer-to-developer support.
Branded checkout experience on top of all standard features.

Compared with typical card fees (around 2.9% + $0.30), CoinGate's 1% processing fee is meaningfully cheaper — a real margin save for high-volume ecommerce.

Features & Integrations

Accept crypto & settle in fiat

Accept BTC, USDC and major coins at checkout; convert instantly to EUR, USD or stablecoins to remove volatility.
Payments accepted from 180+ countries — reach crypto-native regions like LATAM with ease.

Integration options

Hosted checkout — ready-made payment flow and interface.
E-commerce plugins — Shopify, WooCommerce, Magento, OpenCart, PrestaShop.
REST API & payment channels — dedicated payment addresses and custom builds.
Email invoicing & billing — for subscriptions and one-off invoices.

Crypto payouts & treasury

Send crypto payouts to anyone, anywhere, with built-in FX conversion.
Multi-currency account — hold crypto and fiat balances in one regulated account.
Merchant refunds in crypto — full or partial, directly from your CoinGate balance.

Compliance & controls

MiCA-licensed EU crypto payment provider; AML and KYC enforced.
Role-based account permissions and a clear audit trail for team access.
Real-time reports, statements and CSV exports for finance reconciliation.

Pros & Cons

Pros

MiCA-licensed EU provider — strong compliance posture
1% flat processing fee — cheaper than card networks
No monthly fees on the Standard plan
Instant fiat conversion to EUR / USD / stablecoins removes volatility
Accepts payments from 180+ countries
Ready-made plugins for Shopify, WooCommerce, Magento, OpenCart, PrestaShop
Crypto payouts with built-in FX conversion
Multi-currency account holds crypto and fiat in one regulated place
Crypto refunds supported — rare in the space
Trusted by 500+ platforms including Hostinger, NordVPN, Surfshark

Cons

KYC required — not suitable for privacy-first, no-KYC use cases
Standard settlements are weekly (on-demand settlements need the Enterprise plan)
Crypto payout / withdrawal minimum of €50
1% exchange fee applies to manual currency conversions
Checkout coin list covers ~10 majors; broader altcoins only via swap/payout

Frequently Asked Questions

Is CoinGate a good fit for my ecommerce store?

Yes — if you run Shopify, WooCommerce or Magento and want a compliant 1% crypto checkout that settles to EUR, USD or stablecoins. Standard auto-settlements run weekly; on-demand daily settlements are an Enterprise feature.

Is CoinGate regulated?

Yes. CoinGate is a MiCA-licensed EU crypto payment provider and enforces strict AML/KYC requirements.

What does it cost?

A 1% processing fee per transaction on the Standard plan, with no monthly fees. Crypto payouts are €0.50 + 0.5% (or +1.5% with conversion); withdrawals via crypto and SEPA are free.

Can it convert crypto to fiat?

Yes. Checkout conversions are automatic so the merchant never touches crypto; manual conversions carry a 1% exchange fee.

Which coins can my customers pay with?

Major coins including BTC, BCH, ETH, LTC, XRP, USDT and USDC at checkout, with 70+ supported across the broader swap and payout platform.

Can I issue refunds in crypto?

Yes — full or partial refunds in multiple cryptocurrencies, directly from your CoinGate account balance, with a small €0.25 + 0.1% conversion-only fee.