CoinsPaid

Overview

CoinsPaid is one of the oldest and largest crypto payment gateways in Europe, processing over €29 billion in digital-asset payments across 40M+ transactions since 2014. Its B2B gateway product — marketed as CryptoProcessing by Coinspaid — lets businesses accept 20+ major blockchains (BTC, ETH, SOL, XRP, ADA, DOGE, TRX, USDC and more) and auto-convert them to 40+ fiat currencies at checkout.

The company is a VASP-licensed, regularly-audited Estonia entity that never uses customer funds — merchants keep full access to their balance at all times. With zero setup or monthly fees and processing fees under 1%, CoinsPaid is positioned as a lower-cost, higher-acceptance alternative to card networks for high-volume merchants.

Best suited for: Forex platforms, software development, travel, real estate, e-commerce and marketing/advertising — especially operators processing internationally with high transaction volume who want to eliminate chargebacks.

Fees & Pricing

CoinsPaid is built on a transparent, low-fee model with zero setup or monthly fees.

Processing

Transaction fee — under 1% (vs ≈3% for cards and ≈2% for most alternative methods).
Personal volume discounts available for high-volume businesses.

Settlement

Instant conversion of crypto into fiat at checkout — removes price volatility.
Settlement in 40+ local fiat currencies (USD, EUR, etc.).

vs cards & alternatives

Chargebacks — None (cards: Yes).
Rolling reserve — None (cards: Yes).
Success rate — 99.9% (cards: 70–95%; other methods: ≈60%).

CoinsPaid's under-1% transaction model keeps more revenue in the merchant's hands than typical card processing — with no rolling reserves to tie up cash.

Features & Integrations

Accept crypto across 20+ blockchains

Accept BTC, ETH, LTC, SOL, XRP, ADA, DOGE, TRX, USDC and more — 20+ top blockchains supported.
Auto-convert into 40+ local fiat currencies (USD, EUR and others) at checkout — merchants never touch crypto.

Integration options

Multiple payment options and plugins — hosted checkout, API and e-commerce plugins for major platforms.
Free set-up and integration — no onboarding fees, no monthly platform fees.

Reliability & compliance

99.9% acceptance rate — blockchain transactions are final by default, immune to bank rejections.
No chargebacks and no rolling reserves — protects merchant cashflow.
VASP-licensed Estonia entity, regularly financially audited; never uses customer funds.
24/7 access with topmost system capacity for high-volume processing.

Built for high-volume verticals

Designed for Forex, software development, travel, real estate, e-commerce and marketing/advertising.
Personal volume discounts available for businesses with large transaction volumes.

Pros & Cons

Pros

11+ years of blockchain expertise — one of Europe’s longest-running crypto gateways
€29B+ in payments processed across 40M+ transactions
Sub-1% transaction fees — meaningfully cheaper than card networks
Zero setup or monthly fees
20+ blockchains supported (BTC, ETH, SOL, XRP, ADA, DOGE, TRX, USDC and more)
Auto-conversion to 40+ fiat currencies eliminates volatility exposure
99.9% acceptance rate; no chargebacks or rolling reserves
VASP-licensed Estonia entity; regularly financially audited
Never uses customer funds — merchants retain full access to their balance
Free integration: API and e-commerce plugins for major platforms

Cons

KYC required — not suitable for no-KYC / privacy-first use cases
Headline “below 1%” fee; exact rate is volume-negotiated rather than a fixed schedule
Payer anonymity depends on the gateway integration, not a default shopper setting
Best pricing reserved for high-volume merchants — smaller shops may sit closer to the 1% cap

Frequently Asked Questions

What is CoinsPaid?

A Europe-based crypto payment gateway (B2B product branded "CryptoProcessing by Coinspaid") that lets businesses accept 20+ blockchains and settle in 40+ fiat currencies. 11+ years operating, €29B+ processed.

What are the fees?

Transaction fees are below 1% per transaction, with zero setup or monthly fees. High-volume businesses can negotiate personal volume discounts.

Is CoinsPaid regulated?

Yes. CoinsPaid is a VASP-licensed entity in Estonia, regularly financially audited, and never uses customer funds — merchants keep full access to their balance.

Which blockchains are supported?

20+ top blockchains including Bitcoin, Ethereum, Solana, Ripple, Cardano, Dogecoin, Tron and USD Coin (USDC).

Can I settle in fiat?

Yes. CoinsPaid instant-converts crypto to 40+ local fiat currencies (USD, EUR and others) at checkout, so merchants never touch crypto and avoid volatility.

Are there chargebacks?

No. Blockchain transactions on CoinsPaid are final by default — no chargebacks and no rolling reserves.

What is the success rate?

CoinsPaid reports a 99.9% acceptance rate, versus 70–95% for card networks.