Comparison guide by Paymos
CoinGate review, fees, and alternatives
CoinGate is a custodial gateway for accepting crypto and settling in crypto or supported fiat. Its Standard plan publishes a 1% processing fee with no monthly fee, while payouts, manual exchange, refunds in another currency, and SWIFT settlement have separate published conditions. USDT is no longer on the asset list: CoinGate discontinued it on 24 March 2025 and converted the remaining balances to USDC one for one. That closes off the invoice this comparison prices elsewhere: 50 USDT in Tron cannot be raised here on any chain, so the 1% applies to a different asset than the one being priced.
Reviewed
Published terms at a glance
| Published acceptance fee | Standard: 1% per processed payment and no monthly fee. Enterprise pricing is custom and volume-based. |
|---|---|
| Settlement model | Standard automatic settlement is weekly. CoinGate supports crypto and selected fiat settlement; manual currency conversion is listed at 1%, while automatic checkout conversions are excluded from that manual exchange fee. A USDT invoice cannot be raised on any network, Tron included, so a stablecoin flow runs on USDC or EURC instead. |
| Qualification 1 | A CoinGate payout is a separate distribution product, not an ordinary merchant withdrawal. Crypto payouts list €0.50 + 0.5%; converted payouts list €0.50 + 1.5%. |
| Qualification 2 | A refund in a different currency lists a separate €0.25 + 0.1% condition. |
| Qualification 3 | CoinGate says the buyer service fee can cover blockchain network cost. |
When this provider can fit
- Merchants that need crypto acceptance with optional fiat settlement.
- Businesses using CoinGate plugins, API, billing, refunds, or payout tools.
- Companies comfortable with weekly Standard settlement or able to negotiate Enterprise terms.
What changes the effective cost
A headline processing rate is only one layer. Model the invoice, payer network fee, acceptance or sweep cost, conversion, settlement, withdrawal, and refund as separate entries.
- 01CoinGate has no version of the 50 USDT Tron invoice priced everywhere else here: USDT left the asset list on 24 March 2025. Model the 1% against USDC or EURC, or the two sides of the comparison are different products.
- 02A CoinGate payout is a separate distribution product, not an ordinary merchant withdrawal. Crypto payouts are listed at €0.50 + 0.5%; payouts with conversion at €0.50 + 1.5%.
- 03Manual exchange is listed at 1%; refunding in a different currency has a separate €0.25 + 0.1% condition.
- 04Ordinary crypto and SEPA withdrawals are listed as free and sit apart from payouts; SWIFT settlement and minimums still need to be modelled.
- 05The network cost lands on the buyer: CoinGate covers it through the purchaser service fee, so inspect the buyer checkout as well as the merchant ledger.
Paymos
How Paymos differs
Unlike CoinGate’s weekly Standard settlement and separate payout routes, Paymos keeps the accepted supported stablecoin on the merchant balance without a processing commission on withdrawal. Paymos adds no separate transfer or sweep commission to an accepted payment. The payer still pays the send-network cost, and a disclosed subsidized network fee can apply when the merchant withdraws.
What Paymos does not replace
Paymos does not replace CoinGate when a merchant needs its fiat settlement, billing, refund, or payout stack.
What to verify before signing
- Run the same low-value and normal-value invoice through the exact asset and network you plan to use.
- Record the payer debit, merchant credit, settlement credit, and withdrawal credit instead of comparing percentages alone.
- Confirm the contracted rate, high-risk adjustments, minimums, reserves, refund charges, and geographic eligibility in writing.
- Confirm whether automatic checkout conversion, manual conversion, payout, or SWIFT applies to your chosen settlement route.
Frequently asked questions
What fee does CoinGate publish?+
Standard: 1% per processed payment and no monthly fee. Enterprise pricing is custom and volume-based.
Which CoinGate fee layers should I verify?+
Verify every publicly disclosed processing, network, conversion, settlement, withdrawal, and refund layer so you can reproduce the effective cost.
What should I verify about CoinGate?+
Run the same low-value and normal-value invoice through the exact asset and network you plan to use. Record the payer debit, merchant credit, settlement credit, and withdrawal credit instead of comparing percentages alone. Confirm the contracted rate, high-risk adjustments, minimums, reserves, refund charges, and geographic eligibility in writing. Confirm whether automatic checkout conversion, manual conversion, payout, or SWIFT applies to your chosen settlement route.
Is Paymos an alternative to CoinGate?+
Unlike CoinGate’s weekly Standard settlement and separate payout routes, Paymos keeps the accepted supported stablecoin on the merchant balance without a processing commission on withdrawal. Paymos adds no separate transfer or sweep commission to an accepted payment. The payer still pays the send-network cost, and a disclosed subsidized network fee can apply when the merchant withdraws.
Can I rely on the headline rate alone?+
No. Test the exact invoice, network, asset, conversion choice, settlement route, and withdrawal path used by your business.
When were these facts checked?+
The linked first-party sources were checked on September 22, 2026. Confirm your contract and dashboard quote before launch.
Official sources
Provider facts are based on public first-party pages available on the review date. Contracts, dashboard quotes, geography, and fees can change.
Report an error or read the correction methodContinue comparing
Crypto payment gateways
There is no single best crypto payment gateway. The right choice is the provider whose supported asset and network, custody model, settlement route, and full effective cost match your real payment flow. Compare a complete test transaction, not the headline percentage.
BitPay
BitPay is a custodial crypto payment processor built for merchants that want broad crypto acceptance and optional fiat settlement. Its published acceptance price is 2% + $0.25 below $500,000 monthly volume, falling to 1% + $0.25 at $1 million or more; small invoices and settlement choices therefore matter. Tron is absent from its network list, so a USDT invoice on Tron is not something BitPay can raise. The benchmark this comparison prices elsewhere — 50 USDT in Tron, followed to the merchant’s wallet — therefore has no BitPay figure at all; price them on the chains they do carry.
CoinPayments
CoinPayments is a custodial multi-asset gateway and wallet. On its current platform, where new merchants sign up, it charges 1% on tokens, USDT among them, and from 0.5% on coins; the 3% still quoted for its Legacy platform is not what a new account pays. The network fee sits with the buyer: an invoice completes only once the buyer has covered it on top of the amount. CoinPayments left the European Union on 1 July 2026, so a business there cannot open an account at all. Follow one 50 USDT invoice in Tron from the buyer’s transfer to the merchant’s wallet: CoinPayments keeps 0.50 USDT, the buyer pays about 2.50 USDT of Tron network fee on top, 52.50 USDT in all, and the deal costs 6%.
Cryptomus
Cryptomus is a custodial payment gateway, business wallet, and exchange. New users pay 2% per transaction, negotiated pricing can fall to 0.4%, and a merchant project passes moderation. Auto-conversion is advertised as free, while withdrawals remain subject to a mining fee. On a 50 USDT invoice in Tron the 2% is the whole price of the sale — nothing is added for crediting the balance — so the headline survives the trip. What costs money is the payout, charged per payout rather than per sale.
NOWPayments
NOWPayments is a multi-asset crypto gateway. Its published service fee is flat: 1% on a payment that needs no exchange, and 1.5% once the payment is multi-currency, uses a fixed rate, or has the fee charged to the payer. Custom offers or a discount system can take the rate as low as 0.3%. Custodial withdrawals and non-custodial forwarding follow different network-fee paths, so there is no universal double-network-fee rule. Read eligibility before the rate: NOWPayments does not serve the European Union, the United Kingdom, the United States, the United Arab Emirates or Russia. On a 50 USDT invoice in Tron, followed to the merchant’s wallet, the 1% is half a dollar and the Tron transfer off the invoice address costs five times that — about 6% all in.
Stripe Crypto Payments
Stripe Stablecoin Payments lets an eligible business accept supported stablecoins from customers worldwide and receive the money in its Stripe balance in its own local currency. On-chain the accepted list is short: USDC on Tempo, Ethereum, Solana, Polygon and Base, plus USDP and USDG for US businesses only. USDT is not on it, and neither is Tron; a customer can also pay from a Crypto.com exchange account in that exchange’s tokens. Availability is general in the US and a private preview for the European Union, Hong Kong, Mexico and Switzerland. Stripe’s US pricing page lists the method at 1.5% of the USD amount, with conversion to fiat, AML screening and gas included; the EU version of that page has no stablecoin row.