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COMPANY detail
CoinGate
Stablecoin and crypto payment gateway for global businesses.
PAYER FEATURE OVERVIEW.
PROJECT NAME
CoinGate 
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SUPPORTED ASSETS
?
Cryptocurrencies and stablecoins accepted for payments.
BTC, ETH, LTC, XRP, TRX, SOL
BLOCKCHAIN SUPPORT
?
Blockchain networks supported for processing payments.
Bitcoin, Ethereum, BSC, Arbitrum, Base
WALLET COMPATIBILITY
?
Wallets that can be used to make payments.
Any Wallet
QR TYPE
?
Supports static QR codes, dynamic QR codes, or both.
Both
PAYMENT SPEED
?
Typical time required for a payment to be confirmed.
Blockchain Speed
FEES FOR PAYERS
?
Fees charged to users when making payments.
Network Fees
USER KYC
?
Whether identity verification is required to use the service.
None
CUSTODY MODEL
?
Defines who controls and holds users' funds.
Hybrid
MOBILE APP REQUIRED
?
Whether a dedicated mobile app is needed to pay.
NO
PAYMENT METHODS
?
Supported payment methods such as QR, NFC, or deep links.
QR, On-Chain, Payment Links, Invoicing
RECURRING PAYMENTS
?
Whether subscription and recurring payments are supported.
YES
GEOGRAPHIC AVAILABILITY
?
Countries or regions where the service is available.
Global
Last Updated: Jul 7, 2026
Payer Scan & Pay Details
- Pay with Bitcoin, Lightning, USDC, Ethereum, Solana, and other major cryptocurrencies at any CoinGate-enabled merchant.
- CoinGate generates a checkout invoice with a QR code and payment address for each transaction.
How to Pay with Crypto
- At checkout, the merchant presents a CoinGate invoice with a QR code, payment amount, and wallet address.
- Open any crypto wallet or Lightning-compatible app and scan the QR code or copy the wallet address.
- Send the exact payment amount — the exchange rate is locked at the moment you initiate payment.
- The merchant is automatically notified when the payment is confirmed on the blockchain (or instantly via Lightning).
Bitcoin Lightning Payments
- Pay with Bitcoin Lightning for instant settlements with near-zero fees — CoinGate pioneered Lightning integration in 2018.
- Use any Lightning-compatible wallet like Zeus, Phoenix, Wallet of Satoshi, or Muun.
MERCHANT FEATURE OVERVIEW.
PROJECT NAME
CoinGate
PAYMENT CHANNELS
?
Where payments can be accepted: online, in-store, or both.
Online
SUPPORTED ASSETS
?
Cryptocurrencies and stablecoins merchants can accept.
BTC, ETH, LTC, XRP, TRX, SOL
FIAT SETTLEMENT
?
Whether crypto payments can be settled in fiat currency.
YES
SETTLEMENT CURRENCY
?
Currencies merchants receive after payment settlement.
EUR, USD, GBP
SETTLEMENT SPEED
?
Typical time required to receive settled funds.
Weekly, On-Request
MERCHANT KYC
?
Whether business verification is required to accept payments.
YES
POS INTEGRATION
?
Support for integration with physical point-of-sale systems.
NO
E-COMMERCE INTEGRATION
?
Supported integrations with online store platforms.
WooCommerce, Wix, Custom API, MORE
API ACCESS
?
Whether developers can build custom integrations using APIs.
YES
PAYMENT LINKS
?
Ability to create shareable payment links without coding.
YES
INVOICING
?
Ability to create and manage payment invoices.
YES
REFUND SUPPORT
?
Whether merchants can issue refunds through the platform.
YES
WEBHOOKS
?
Real-time notifications for payment and status updates.
YES
GEOGRAPHIC AVAILABILITY
?
Countries or regions where merchants can use the service.
Global
Last Updated: Jul 7, 2026
Merchant Infrastructure Details
- Register a business account, complete KYB verification (MiCA-compliant), and access the CoinGate dashboard to manage payments, settlements, and reporting.
"CoinGate is one of the first crypto payment providers to obtain a MiCA license in the EU — your business operates with the same regulatory protection as traditional payment providers."
E-Commerce Plugin Integration
- Ready-made plugins for WooCommerce, PrestaShop, Magento 2, WHMCS, Wix, OpenCart, and Shopware.
- Install the plugin from the WordPress/PrestaShop marketplace, connect your CoinGate API key, and start accepting crypto at checkout.
- Full support for order status automation, payment confirmation, and settlement tracking.
API & Developer Integration
- REST API with full Postman documentation — create payment invoices, query order statuses, process refunds, and configure webhook callbacks.
- Supports both standard crypto payments and Bitcoin Lightning Network payments.
- Separate endpoints for crypto payouts: send funds to suppliers, freelancers, or customers in 180+ countries.
Fiat Settlement & Bank Payouts
- Settle incoming crypto payments into EUR, USD, or GBP — CoinGate handles the FX conversion at locked rates.
- EUR settlements via SEPA bank transfer (free, minimum 50 EUR withdrawal).
- USD and GBP settlements via SWIFT wire transfer (0.5% fee for SWIFT, minimum 50 EUR).
- Automatic weekly payouts for standard accounts; on-request custom schedules available for Enterprise.
THE REAL STORY.
PROS
[ STRENGTHS ]
- EU MiCA + PI licensed — bank-grade regulatory compliance
- Bitcoin Lightning Network for instant near-zero-fee payments
- 7 e-commerce plugin integrations: WooCommerce, PrestaShop, Magento 2, etc.
- Fiat settlement via SEPA (free, EUR) and SWIFT (USD, GBP)
- 12-year track record with 7M+ payments and 500+ business clients
CONS
[ LIMITATIONS ]
- No dedicated POS terminal for in-store payments — online-only
- Default settlement is weekly (T+7) — slower than real-time competitors
- Only 11 crypto assets — far fewer than NOWPayments (350+)
- Limited fiat settlement (EUR, USD, GBP only) — no Asian or LATAM currencies
- 1% fee is double NOWPayments' 0.5% for crypto-to-crypto
GENERAL QUESTIONS.
NO. Payers use any cryptocurrency wallet of their choice — Trust Wallet, MetaMask, Binance Wallet, Coinbase Wallet, Exodus, or any wallet that supports sending crypto. NOWPayments generates a unique deposit address and QR code for each transaction; the payer simply scans or copies the address and sends the payment from their own wallet.
Crypto settlements are processed at blockchain speed — funds appear in the merchant's wallet once the transaction receives sufficient blockchain confirmations (varies by network, but most payments confirm within 5 minutes). Fiat settlement via auto-conversion uses ChangeNOW's exchange infrastructure for real-time rate conversion with transparent pricing. Merchants can withdraw settled crypto to their wallet at any time.
NOWPayments charges a flat 0.5% service fee on crypto-to-crypto payments — the lowest in the industry. Cross-currency conversion (e.g. customer pays BTC, merchant receives USDT) carries a 1% service fee. Payers pay only their own blockchain network fees. There are no setup fees, no hidden charges, no monthly minimums, and no integration costs.
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