CoinGate is a MiCA-licensed crypto payment gateway built for businesses that want to accept cryptocurrency payments reliably and scale globally. Founded in 2014, it processes payments, payouts, and conversions for 500+ global platforms including NordVPN, Hostinger, and Surfshark.\n\n### Key Features\n\n- Accept Payments — Accept BTC, USDC, and 10+ cryptocurrencies from customers in 180+ countries with a ready-made checkout flow or custom API integration.\n- Settlement Options — Settle automatically into EUR, stablecoins, or keep the crypto. Instant conversion shields against volatility.\n- Crypto Payouts — Send crypto to suppliers, freelancers, or customers in 180+ countries with full audit trails.\n- Multi-Currency Account — Deposit, hold, convert, and withdraw crypto and fiat from a single dashboard with structured CSV reporting.\n- E-Commerce Plugins — Ready-made integrations for WooCommerce, PrestaShop, WHMCS, OpenCart, Wix, and more.\n- Merchant Refunds — Issue full or partial refunds in multiple cryptocurrencies directly from your account.\n- User Management — Role-based permissions with audit trails for team operations.\n\n### Pricing\n\n| Plan | Transaction Fee | Monthly Fee |\n|------|----------------|-------------|\n| Standard | 1% per transaction | No monthly fee |\n| Enterprise | Custom volume-based pricing | No monthly fee |\n\nCrypto payouts cost 0.50 EUR + 0.5%. SEPA withdrawals are free; SWIFT withdrawals are 0.5% (minimum 50 EUR).\n\n### Compliance & Security\n\nCoinGate operates as a MiCA-licensed Crypto-Asset Service Provider authorized by the Bank of Lithuania. It follows strict AML and KYC requirements and applies best-practice security controls. Also licensed as a Payment Institution for transfer services of Electronic Money Tokens.\n\n### Supported Assets\n\nBitcoin (BTC), USD Coin (USDC), and 10+ additional cryptocurrencies accepted for payment. Settle in EUR, stablecoins, or crypto.\n\n### Ideal For\n\nE-commerce stores, SaaS platforms, hosting providers, VPN services, gaming companies, and any online business looking to accept crypto payments with regulatory clarity and automated settlement.
Pros
- Flexible settlement options with automatic conversion to EUR, stablecoins, or crypto at locked exchange rates
- Stores 90% of customer funds in cold wallets with Chainalysis transaction monitoring for enhanced security
- Ready-made plugins for WooCommerce, PrestaShop, WHMCS, OpenCart, and Wix for fast e-commerce integration
- MiCA-licensed by the Bank of Lithuania, providing strong regulatory clarity for EU-based businesses
- Supports 70+ cryptocurrencies across multiple blockchain networks including Lightning, Solana, Arbitrum, and Base
- Crypto payouts available in 180+ countries with SEPA and SWIFT withdrawal options
Cons
- Customer refunds in crypto require manual approval with limited automated tooling
- No round-the-clock phone or live chat support on the standard plan, only email support
- KYC verification can take 1-2 business days, delaying account activation for new merchants
- Payment checkout page customization options are limited compared to some alternatives