CoinGate: Comprehensive Crypto Payment Gateway Guide

CoinGate, a leading cryptocurrency payment gateway designed to empower businesses worldwide. Whether you’re just exploring crypto acceptance or are a seasoned enterprise, this guide will walk you through everything you need to know: features, fees, supported currencies, security, and how to integrate CoinGate into your business

What Is CoinGate?

CoinGate is a Lithuania-based crypto payment processor founded in 2014 and launched in early 2015. It serves as a bridge between traditional business systems and blockchain technology. With CoinGate, merchants can:

• Accept over 50+ cryptocurrencies, including Bitcoin, Ethereum, Litecoin, XRP, Dogecoin, stablecoins like USDC, and more

• Instantly convert crypto into fiat (EUR, USD, GBP, etc.) or hold funds in various crypto wallets

• Benefit from multiple integration tools: plugins, APIs, SDKs, invoicing, PoS apps, and more

Trusted by over 4,500 businesses and more than 80,000 users, CoinGate has processed hundreds of thousands of payment transactions.

Why Businesses Choose CoinGate

1. Broad Cryptocurrency Support

CoinGate supports a wide range of cryptocurrencies across various blockchain networks and layer-2 solutions, including:

• Major coins: BTC, ETH, LTC, BCH, XRP, DOGE

• Stablecoins: USDC, USDT

• Altcoins: SOL, ADA, TRX, SHIB, BNB, POL

Lightning Network support is included by default, enhancing transaction speed and reducing costs.

2. Flexible Settlement Options

Merchants can choose how to receive their funds:

• Convert instantly to fiat and receive funds to bank accounts (EUR, USD, GBP)

• Hold in crypto wallets and withdraw or trade at a later time

• Track, batch, or issue refunds in both crypto and fiat

3. Seamless Integration & Automation

CoinGate offers versatile options to fit into different business models:

• Easy plugins: Compatible with WooCommerce, Shopify, Wix, WHMCS, Prestashop, Magento, and more

• Powerful API: Full-featured REST API with SDKs in PHP, Ruby, and Omnipay, along with sandbox/testing support

• Payment Buttons & Billing Links: Ideal for invoicing, email payments, and direct links

• Mobile PoS and White‑Labeling: Accept crypto in-store via Android, iOS, or browser-based PoS; white-label solutions available for enterprises

4. Enterprise‑Grade Management & Control

CoinGate supports businesses of all sizes with:

• Role-based permissions and team access

• Bulk payouts and refunds

• Virtual ledgers for sub‑account and partner management

• White-label capabilities for custom-branded payment flows

5. Low Fees & Transparent Pricing

Merchant transaction fees start at approximately 1%, which is highly competitive with traditional payment methods.

6. Proven Security & Compliance

CoinGate incorporates strong security practices:

• Refund support in both crypto and fiat

• Real-time wallet checks and AML compliance

• GDPR compliance for data privacy

• Regional licensing in key markets with expansion plans to the United States underway

Feature Breakdown

Checkout & Payments

• Automated Invoicing: CoinGate generates crypto invoices with live exchange rates and QR codes

• Rate Lock-in: Protects transaction value at time of payment initiation

• Instant Settlement: Convert to fiat instantly or hold in crypto

• Lightning Network: Supports faster, lower-cost Bitcoin transactions

Flexibility in Receiving Payments

• Fiat payouts: Available in EUR, USD, or GBP to bank accounts

• Crypto withdrawals: Send funds to any supported wallet

• Advanced options include multi-destination payouts and refund automation

Integration Tools & Plugins

• E-Commerce Plugins: WooCommerce, WHMCS, Prestashop, Shopify, Magento, Wix

• Developer APIs: RESTful API with SDKs and complete developer documentation

• Payment Buttons: Simple HTML buttons or links for email and social media sales

• Point of Sale Tools: In-store QR scanning for physical retailers

• White‑Label APIs: Enable crypto acceptance under your own brand

Merchant Dashboard & Controls

• User role management and account access controls

• Real-time payment analytics and reporting

• Batch payments, refunds, and multi-currency balances

Enterprise Features

• Virtual ledgers for managing clients, branches, or partners

• AML/KYC support, transaction screening, and compliance tools

• White-label branding for PSPs and fintech platforms

• High-throughput API for automation and scalability

Security & Compliance

• AML/KYC Checks: Built-in wallet and identity screening

• GDPR Compliance: Full adherence to European data protection laws

• Auto-Conversion: Merchants can convert crypto to fiat immediately to reduce volatility risk

• Refund Management: Refund crypto or fiat easily via dashboard or API

Supported Coverage & Market Reach

• Available in over 170+ countries for merchant onboarding

• Supports fiat payouts in EUR, USD, and GBP

• U.S. onboarding is in development and planned soon

• Industry focus includes e-commerce, digital goods, hosting, VPNs, SaaS, gaming, and hospitality

Conclusion

CoinGate stands out as a flexible and forward-thinking crypto payment gateway. It is well-suited for:

• Online merchants and e-commerce stores

• SaaS and digital service platforms

• Physical stores seeking crypto support via PoS

• Enterprises or PSPs looking for white-label and high-volume tools

CoinGate’s robust feature set, competitive pricing, and reliable compliance protocols make it a valuable addition to any business’s payment strategy.