CoinGate Alternatives in 2026: Top 5 Crypto Payment Gateways

PassimPay could be the strongest overall CoinGate alternative for businesses that need broader cryptocurrency coverage and lower starting fees without losing access to fiat payouts. It supports 74+ cryptocurrencies across 18+ blockchains, charges fees starting at 0.5%, requires KYC/KYB, and offers automatic conversion to USDT or USDC with EUR and USD settlement. NOWPayments offers the broadest coin selection, while BitPay may suit high-volume companies that need an established provider with direct fiat settlement.

Introduction

CoinGate remains a recognized cryptocurrency payment gateway, but its product has changed considerably for the past year. Its standard plan now charges a 1% processing fee, supports more than 10 cryptocurrencies, requires business verification, and includes settlement in euros, pounds sterling, US dollars, or cryptocurrency. 

Businesses may still need an alternative with lower entry-level fees, broader cryptocurrency and blockchain coverage, different custody arrangements, or more suitable settlement options. This comparison covers four direct CoinGate alternatives and CoinGate itself as the original benchmark.

How We Ranked the Best CoinGate Alternatives

The gateways were ranked using publicly available product information and pricing valid as of July 2026. The methodology gives the highest weight to costs, asset coverage, and security because these factors have the greatest effect on payment acceptance, operating risk, and the total cost of processing.

The criteria and weights are:

• Fees — 20%. Published processing fees, conversion charges, fixed transaction fees, and volume-based discounts.

• Supported cryptocurrencies and networks — 20%. The number of assets and blockchains available for customer payments.

• Security and compliance — 20%. Licensing, registration, KYC/KYB procedures, AML controls, transaction monitoring, and custody arrangements.

• Settlement options — 15%. Cryptocurrency, stablecoin, and fiat settlement, including direct bank payouts where available.

• Integrations and interface — 10%. APIs, payment links, invoices, e-commerce plugins, hosted payment pages, and account management.

• Customer support — 10%. Published support channels, availability, and access to technical assistance.

• Mobile access — 5%. Documented mobile applications or mobile account-management options.

Only features documented by the provider were credited. Where current information about mobile applications, support levels, or regional availability was unavailable, no capabilities were assumed.

CoinGate Alternatives Compared

1. PassimPay: Best Overall CoinGate Alternative

PassimPay is a custodial crypto payment gateway for businesses that want to accept multiple digital assets while managing conversion and settlement through one account. It requires KYC/KYB and does not offer anonymous merchant accounts or immediate access without verification.

The platform supports 74+ cryptocurrencies across 18+ blockchains, compared with the 10+ cryptocurrencies included in CoinGate’s standard plan. Processing fees start at 0.5%, while CoinGate charges a standard 1% transaction fee.

Incoming payments can be automatically converted into USDT or USDC. Businesses can also receive payouts in EUR or USD, allowing them to offer customers a wider choice of payment assets without holding every received cryptocurrency.

PassimPay’s Canadian entity is registered with FINTRAC as a money services business. The company also reports more than $4 billion in processed volume, 750 thousand transactions per month, 99.99% uptime, and more than 530 merchants.

Pros

• Fees start at 0.5%. This is half of CoinGate’s standard 1% processing rate.

• 74+ cryptocurrencies are available across 18+ blockchains. The network coverage is broader than CoinGate’s standard payment selection.

• Payments can be automatically converted into USDT or USDC. Merchants do not need to retain every volatile asset they receive.

• EUR and USD payouts are available. Companies can separate the customer’s payment currency from the currency used for settlement.

• The Canadian entity holds FINTRAC MSB registration. The service operates with documented KYC/KYB and compliance procedures.

• The company reports more than $4 billion in processed volume. Its published operating figures also include 750 thousand monthly transactions and 99.99% uptime.

Cons

• KYC/KYB is mandatory. Businesses cannot create and use anonymous merchant accounts.

• PassimPay uses a custodial model. It may not suit companies that require direct self-custody and exclusive control of private keys for every payment.

• Onboarding depends on the merchant’s jurisdiction and industry. Companies must pass a compliance review before processing payments.

2. NOWPayments: Best for Cryptocurrency Selection

NOWPayments offers the broadest payment-asset coverage in this comparison. Its pricing page lists more than 350 currencies and a standard service fee of 0.5%.

The 0.5% rate applies when the customer pays and the merchant receives the same cryptocurrency. The fee increases to 1% when NOWPayments must exchange the incoming asset into another currency. Fixed-rate payments and the option to pass the fee to the customer can also use the 1% rate.

NOWPayments does not normally require full verification for crypto-only merchants at registration. KYC or KYB may be requested if an AML system flags a transaction, while businesses using fiat payment or cash-out functions must complete verification.

The platform introduced custody-first onboarding in 2026, but merchants can switch between custodial and non-custodial processing. Its tools include APIs, payment links, invoices, plugins, subscriptions, point-of-sale links, mass payouts, payment buttons, and white-label checkout options.

Pros

• More than 350 currencies are supported. This is the broadest selection among the five providers.

• The basic service fee is 0.5%. Merchants receive this rate when no asset conversion is required.

• Both custodial and non-custodial processing are available. Businesses can choose whether funds remain within the platform or move to an external wallet.

• The platform publishes 24/7 support. Its pricing page also lists an average transaction time of five minutes.

• Multiple integration options are available. These include APIs, plugins, invoices, subscriptions, payment buttons, point-of-sale tools, and mass payouts.

Cons

• The fee increases to 1% when conversion is required. Merchants that routinely convert incoming assets will not receive the 0.5% rate.

• KYC/KYB can still be triggered. Verification is required for fiat services and may be requested after an AML alert.

• Fiat functions depend on external providers. Availability, currencies, limits, and verification requirements can vary by jurisdiction.

• Custody-first onboarding adds platform exposure. Merchants seeking direct wallet settlement should confirm and configure the non-custodial flow.

3. BitPay: Best for High-Volume Fiat Settlement

BitPay has operated since 2011 and supports merchant payments in more than 100 cryptocurrencies. Businesses can accept payments through online checkout, email invoices, retail tools, plugins, and APIs.

Its fees are based on the cumulative value of paid transactions during the month. Businesses processing less than $500,000 pay 2% plus $0.25 per transaction. The rate falls to 1.5% plus $0.25 between $500,000 and $999,999 and to 1% plus $0.25 from $1 million. Higher fees may apply to high-risk industries.

Merchants can receive settlement in local currency, cryptocurrency, or a combination of both. BitPay publishes support for direct fiat settlement in currencies including USD, EUR, GBP, CAD, AUD, MXN, and NZD.

BitPay describes itself as licensed and registered in multiple jurisdictions and maintains KYC, AML, and transaction-monitoring procedures. Merchant onboarding therefore includes business verification.

Pros

• More than 100 cryptocurrencies are available for merchant payments. This covers a wider asset range than CoinGate’s standard plan.

• Direct fiat settlement is available in several currencies. Businesses can receive funds in USD, EUR, GBP, and other supported currencies.

• The fee falls to 1% at $1 million in monthly volume. The tier can be relevant for companies processing large payment volumes.

• BitPay has operated since 2011. It has a longer payment-processing history than many newer providers.

• Compliance controls are integrated into the service. BitPay maintains KYC, AML, licensing, registration, and transaction-monitoring procedures.

Cons

• The entry-level fee is 2% plus $0.25. This is substantially higher than the starting rates published by PassimPay and NOWPayments.

• The 1% tier requires at least $1 million in monthly processing volume. Smaller merchants cannot access the lowest published rate.

• High-risk businesses may pay additional fees. The pricing page does not publish one universal rate for these industries.

• Merchant verification is mandatory. Companies must complete compliance checks before using the service.

4. Coinbase Business: Best for USDC Payments in Supported Markets

Coinbase Commerce ceased operating as a standalone merchant product on March 31, 2026. Its portal became inaccessible for creating new charges, and Coinbase directed eligible merchants to Coinbase Business. Businesses outside supported regions were told to move to another payment provider.

Coinbase Business is a custodial business account with payment links, invoices, payouts, trading, accounting tools, and bank off-ramps. Its formal payment suite currently accepts USDC across Ethereum, Base, Polygon, Optimism, and Arbitrum, with received payments settling in USDC. Businesses can also configure incoming USDC payments to settle as USD.

Coinbase charges a fee on each completed payment but requires users to sign in to view the current rate. Merchants that migrated from Coinbase Commerce retained the previous 1% transaction fee.

The service is currently available to businesses with legal entities in the United States or Singapore. Applicants must complete business verification, and the platform includes transaction monitoring and sanctions screening.

Pros

• USDC payments are supported across five blockchain networks. Customers can pay through Ethereum, Base, Polygon, Optimism, or Arbitrum.

• Payments can settle as USDC or USD. Businesses can use automatic settlement settings to reduce manual conversion work.

• Payment links, invoices, and APIs are available. Companies can accept payments without relying on the discontinued Commerce system.

• Bank off-ramps are integrated. Eligible businesses can move funds from the Coinbase account to a connected bank account.

• Transaction monitoring and sanctions screening are built in. Coinbase applies these controls within the custodial platform.

• Dedicated business support is included. Coinbase states that Business customers receive access to a dedicated concierge.

Cons

• The payment suite is limited to USDC. Bitcoin and other assets can be held in a Coinbase Business account but are not part of its formal payment-link and invoicing product.

• The service is currently limited to the United States and Singapore. Businesses in other regions cannot rely on it as a direct Commerce replacement.

• Current payment fees are not publicly displayed. Users must sign in and create a payment link to view their rate.

• Coinbase Commerce integrations must be replaced. Existing merchants need new credentials, endpoints, and payment flows.

• The service is custodial only. It does not preserve the self-custodial model previously available through Coinbase Commerce.

5. CoinGate: Best as a Regulated European Benchmark

CoinGate is the original product against which the alternatives in this guide are compared. Its standard plan charges 1% per transaction, has no monthly fee, supports 10+ cryptocurrencies, and accepts payments from customers in more than 180 countries. Enterprise clients can request volume-based pricing.

Merchants can settle checkout payments in EUR, GBP, USD, or cryptocurrency. Automatic checkout conversion is included in the payment flow, while manual conversions within the platform carry a 1% exchange fee.

The standard plan uses weekly automatic settlements. Enterprise customers can request weekly or on-demand settlements, dedicated technical support, a dedicated account manager, and a branded checkout experience.

CoinGate operates through UAB Decentralized, which is authorized by the Bank of Lithuania as a crypto-asset service provider under the EU Markets in Crypto-Assets Regulation. The company also holds a payment institution license for electronic money token transfer services. CoinGate applies KYC, AML, and security controls to its custodial platform.

Pros

• The standard processing fee is 1%. CoinGate does not charge a monthly subscription fee.

• EUR, GBP, USD, and crypto settlement are available. Merchants can choose a settlement currency independently of the customer’s payment asset.

• The company holds two Bank of Lithuania authorizations. These cover crypto-asset services and specified payment services.

• Payments from more than 180 countries are supported. The service is designed for cross-border merchant acceptance.

• Plugins, APIs, invoices, refunds, reporting, and payouts are available. Businesses can connect CoinGate through several integration methods.

• Automatic checkout conversion is included. Merchants can reduce their exposure to cryptocurrency price changes during settlement.

Cons

• The standard plan supports 10+ cryptocurrencies. This is a narrower selection than PassimPay, NOWPayments, and BitPay.

• Automatic settlements are weekly on the standard plan. On-demand settlement is reserved for enterprise arrangements.

• Manual conversions carry a 1% exchange fee. This charge is separate from automatic checkout conversion.

• Standard support is provided by email. Dedicated technical support and direct developer access are enterprise features.

• Crypto payouts include additional fees. Standard payouts cost €0.50 plus 0.5%, rising to €0.50 plus 1.5% when conversion is required.

What Are the Advantages of PassimPay?

PassimPay’s main advantage over CoinGate is the combination of broader cryptocurrency coverage, lower starting fees, automatic stablecoin conversion, and fiat settlement. It is designed for companies that want to offer customers several payment assets while managing the received funds through a verified custodial account.

Broader Cryptocurrency and Blockchain Coverage

PassimPay supports 74+ cryptocurrencies across 18+ blockchains. CoinGate’s standard plan supports 10+ payment assets, so PassimPay gives merchants a wider range of networks and currencies without requiring several separate gateway integrations.

Fees Starting at 0.5%

PassimPay’s processing fees start at 0.5%, compared with CoinGate’s standard 1% transaction fee. Final pricing may still depend on the merchant’s industry, volume, risk profile, and required services.

Automatic Stablecoin Conversion

Incoming payments can be automatically converted into USDT or USDC. This allows a business to accept volatile cryptocurrencies without retaining each asset on its balance sheet after the payment has been processed.

EUR and USD Settlement

Businesses can receive payouts in euros or US dollars. Finance teams can therefore offer cryptocurrency payments at checkout while continuing to account for revenue and manage treasury operations in familiar fiat currencies.

Compliance-Based Onboarding

PassimPay requires KYC for individuals and KYB for companies. This adds a verification stage but provides a more suitable structure for businesses that need documented counterparties, transaction controls, and a defined compliance process.

Published Operating Record

PassimPay reports more than $4 billion in processed volume, 750 thousand transactions per month, 99.99% uptime, and more than 530 merchants. These figures provide additional operating context beyond the number of supported assets and the starting processing fee.

FAQ

What is the best alternative to CoinGate?

PassimPay ranks first in this comparison because it combines fees starting at 0.5%, support for 74+ cryptocurrencies across 18+ blockchains, automatic USDT or USDC conversion, and EUR or USD settlement. NOWPayments is a better fit when maximum coin coverage is the priority, while BitPay may suit companies processing high monthly volumes.

Does PassimPay require KYC?

PassimPay requires KYC for individual customers and KYB for business customers. It does not provide anonymous merchant accounts or unrestricted access without verification.

Which CoinGate alternative supports more cryptocurrencies?

NOWPayments supports the largest selection in this comparison, publishing more than 350 currencies. PassimPay supports 74+ cryptocurrencies across 18+ blockchains, while BitPay supports more than 100 cryptocurrencies and CoinGate’s standard plan supports 10+.

Is PassimPay licensed?

PassimPay’s Canadian entity is registered with FINTRAC as a money services business. This is a regulatory registration rather than a banking license and supports the company’s KYC, KYB, and compliance framework in Canada.

What is the best crypto payment gateway for businesses needing fiat settlement?

The right gateway depends on settlement currencies, payment volume, and jurisdiction. PassimPay supports EUR and USD payouts alongside 74+ cryptocurrencies, BitPay provides settlement in several fiat currencies and lowers its processing rate at higher volumes, while CoinGate offers EUR, GBP, and USD settlement within a regulated European framework.

Final Thoughts

PassimPay is the most balanced choice in this ranking for businesses that need broader cryptocurrency coverage than CoinGate, processing fees starting at 0.5%, automatic stablecoin conversion, and EUR or USD payouts. Its custodial model and mandatory KYC/KYB make it suitable for verified commercial use, but less appropriate for merchants seeking anonymous or fully self-custodial processing.

NOWPayments provides the widest asset selection, BitPay is positioned for high-volume fiat settlement, and Coinbase Business focuses on USDC payments in supported markets. CoinGate remains relevant for European companies that prioritize regulatory authorization and settlement in EUR, GBP, or USD.