What are the alternatives to CoinGate, and which one fits your business?

Four things can make CoinGate a poor fit: the company paperwork, the 1% fee, a payout schedule that doesn't match their cash flow, or a wish to hold the money without a middleman. The right alternative depends on which of these is yours. CryptumPay, NOWPayments and Plisio are hosted gateways that differ exactly on paperwork, fees and payouts, BitPay suits a larger company that wants daily payouts to a bank, and BTCPay Server is the free, open-source route for anyone ready to run a server.

Why people look for a CoinGate alternative

CoinGate is a working crypto payment gateway, so a reason to leave it is about how its terms meet your business. Here is where they can clash:

• The paperwork. CoinGate verifies a business account with company documents: a registration certificate, articles of association and ID for the directors. A freelancer or a small shop without those papers ready gets stuck at the start.
• The fee. The standard plan takes 1% of every payment, and a manual conversion from one currency to another costs another 1%. On a thin margin, half a percent either way is real money.
• The payout rhythm. On the standard plan, automatic settlement runs once a week, and a withdrawal starts at 50 EUR. A seller who pays suppliers out of each day's sales wants the money sooner and in smaller amounts.
• Control over the money. CoinGate, like every gateway that keeps a balance for you, holds your funds between the customer's payment and your withdrawal. Some owners would rather see the coins land in a wallet only they control.

Write down which of these is yours before you compare anything. Every alternative below wins on one point and gives something up on another, and a comparison without your reason in it turns into a contest of headline percentages.

The CoinGate alternatives worth comparing

Here are six services worth a look, each with the terms that decide the choice. The fees are the standard published rates as of September 2026; several services go lower for large volumes.

CryptumPay: payouts at any time, balance kept in USDT

CryptumPay charges 1% per successful payment, going down to 0.5% at higher volumes. On top of that comes a transfer fee: a fixed fee for servicing the one-time deposit address in the network the customer pays in. The merchant decides whether to pass the fees on to the customer; if they do, the CryptumPay payment window shows the fee as a separate line before the customer pays.

Every incoming payment is converted to USDT as soon as it is credited. USDT is a stablecoin, a token pegged to the US dollar, so the balance doesn't rise and fall with the price of the coin the customer paid in.

Withdrawals at CryptumPay work at any time, with no minimum amount, to any address the merchant sets. There are two ways to do it:

• By hand in the dashboard. No IP whitelist and no waiting.
• Through the API. The API key is tied to a whitelist of IP addresses, so a withdrawal request is accepted only from the addresses you listed.

To get started, an identity check of the owner (KYC, "know your customer") may be enough, without a pack of company documents. Alongside it CryptumPay reviews the project, usually within one business day.

Customers can pay a CryptumPay merchant in three ways:

• A payment link. The merchant creates the invoice in the console and sends the link anywhere: a chat, an email, a social profile.
• A checkout widget. A button on the site opens the checkout in a window over the page.
• The API. The merchant's own system creates payments and tracks them.

CryptumPay supports USDT on the Tron network, and before choosing a network it helps to know what accepting USDT on TRON actually costs a business.

NOWPayments: a long coin list, verification only when a payment is flagged

NOWPayments says it supports more than 350 cryptocurrencies. Its help centre lists two rates:

• 1% for payments without conversion. The customer pays in a coin, and you keep that same coin.
• 1.5% for the rest. That covers payments with conversion, fixed-rate payments and payments where the customer covers the fee.

For merchants who work only with crypto and never touch bank money, NOWPayments asks for KYC or KYB (the business version of the check) only in the rare case when a transaction is flagged as suspicious. That makes it one of the lighter starts for a small seller.

Plisio: the lowest headline percentage

Plisio has two rates:

• 0.5% through its gateway API. That is half of CoinGate's standard 1%.
• 1.5% for a white-label version. The checkout carries your own brand instead of Plisio's.

The headline percentage is only part of the bill. Network fees and withdrawal terms add to it, so ask for both before you move real volume.

BitPay: daily payouts to a bank, priced for volume

BitPay sets its fee by monthly volume:

• Under $500,000: 2% plus 25 cents per payment.
• $500,000 to $999,999: 1.5% plus 25 cents.
• $1 million and above: 1% plus 25 cents.

High-risk industries pay more. In return, BitPay pays out in the form you choose:

• Fiat, daily, to a bank account. US dollars, euros, British pounds, Canadian, Australian and New Zealand dollars, or Mexican pesos.
• Crypto. Bitcoin, Ethereum and several other coins, or stablecoins such as USDC and USDT.
• A mix of the two. Part of the money goes to the bank, part stays in crypto.

The fixed 25 cents is what hurts small tickets. A $20 payment under the first tier costs 40 cents plus 25 cents, which is more than 3% of the sale.

BTCPay Server: free and open source, if you run it

BTCPay Server is open-source software under the MIT licence and takes no processing fee. You install it on your own server, or use a shared server that someone else runs. Payments go into wallets you control, with no company in between.

It is built around Bitcoin. Some other coins are included as opt-in integrations, and USDT on Tron comes through a plugin maintained by its own community rather than the core team.

Coinbase Business: launched for the United States and Singapore

Coinbase closed Coinbase Commerce on 31 March 2026. Its successor, Coinbase Business, launched for companies in the United States and Singapore, and Coinbase has promised more countries during 2026. If you are based elsewhere, check whether your country is on the list before planning around it.

Which alternative fits a small business

For a small seller, the gap between fees is smaller than it looks. At $5,000 a month in sales, 1% costs $50 and 0.5% costs $25: a $25 difference. To see that sum for your own volume and ticket size, network fees included, it helps to compare ten crypto payment gateways by total cost.

What changes a small business's month is everything around the fee. Before signing up, check four things:

• How you get approved. A gateway that asks for company papers you don't have is a closed door, whatever its price.
• How small a withdrawal can be, and how often. A weekly payout or a 50 EUR floor means waiting for money you have already earned.
• Whether you have to build checkout into your site. A payment link sent in a chat or an email lets you take payment without integrating anything, though a gateway may still ask to see your website when it approves you.
• What happens to the price before you withdraw. A balance in a stablecoin keeps its dollar value; a balance in bitcoin moves with the market.

On these points the difference sits in the terms, not the headline:

• CryptumPay: a light start and no withdrawal floor. The owner's KYC and a project review may be enough to begin, and the review asks you to show your website. Payments by link need no integration on that site, and there is no minimum withdrawal.
• NOWPayments: checks only when something looks wrong. Crypto-only merchants are asked for verification only when a payment is flagged as suspicious.
• Plisio: the lowest percentage on paper. Its 0.5% is the smallest standard rate among the hosted gateways here.

If you have never opened such an account before, it is worth reading what a crypto merchant account is and what it takes to get one.

How to move from CoinGate without losing a payment

The switch is a few steps, and the order is what protects you. Here is how to do it:

1. Open the new account first. Pass the checks with the new gateway while CoinGate keeps taking payments, so there is no day without a checkout.
2. Make a test payment. Send a small real payment through the new gateway and withdraw it to your wallet. You see the whole path before a customer does.
3. Swap the payment method. Replace the plugin, button or links on your site and in your invoices, so new orders go to the new gateway.
4. Leave CoinGate open for a while. A customer who opened an invoice yesterday may pay it today, and that payment still lands in your CoinGate account.
5. Withdraw what is left. CoinGate's minimum withdrawal is 50 EUR, so plan the last withdrawal while the balance is still above that line.

So which one?

Start from your reason for leaving, not from the list:

• Paperwork and payout speed. Look at CryptumPay, with no minimum withdrawal, or NOWPayments, which checks crypto-only merchants only when a payment is flagged.
• The percentage. CryptumPay goes down to 0.5% as volume grows; Plisio starts at 0.5%, the lowest standard rate among the hosted gateways here.
• Daily money in the bank at large volume. BitPay is built for that.
• No middleman at all. BTCPay Server, on a server of your own.

FAQ

Which CoinGate alternative suits a larger company?

At serious volume the choice comes down to where the money should end up. CryptumPay suits a company that wants a dollar-stable balance: its fee goes down to 0.5% at higher volumes, every payment is converted to USDT when it is credited, and API withdrawals work only from whitelisted IP addresses. BitPay suits one that needs money in the bank every day, with daily fiat settlement in seven currencies and a fee of 1% plus 25 cents above $1 million a month. If price is your only reason to leave, first ask CoinGate about its Enterprise plan with custom rates by volume, because moving a large integration costs developer time.

Is there a free alternative to CoinGate?

Not among hosted gateways: every one in this article takes a percentage for keeping an account for you. BTCPay Server takes no processing fee, but you pay for the server and spend time on setup, updates and backups, and if the server goes down, checkout goes down with it. Taking coins straight to your own wallet costs nothing beyond network fees, but you match every payment to an order by hand and chase customers who sent the wrong amount. In both cases the fee turns into work, and if nobody on your team is comfortable running a server, those hours can cost more than a hosted gateway's percentage.

Is there an open-source alternative to CoinGate?

Yes, BTCPay Server: its code is public, so you can read it, change it and run it on a server of your own. On your own server no provider can close the service under you, the way Coinbase closed Commerce in March 2026; the price is that updates and uptime become your job. Whether that trade suits you depends on your team, and it helps to weigh whether to self-host a crypto payment gateway or plug in a hosted one before you rent a server.