In This Article
CoinGate is a platform that serves as an all-in-one payment gateway for businesses interested in leveraging cryptocurrencies. Investors can buy and sell crypto without making exchange deposits, allowing them to safely store their cryptocurrencies in external wallets while avoiding deposit and withdrawal fees.
What distinguishes CoinGate from its competitors are its advanced security measures, competitive fees, and unique offerings like the gift card marketplace.
Our extensive CoinGate review will cover the platform’s products, services, fees, and payment methods. We’ll also compare CoinGate with popular crypto exchanges, such as Bitpay, Binance, and Coinbase, to help you decide if this platform is the right choice for you.
Our CoinGate Review: Key Takeaways
- CoinGate allows merchants to accept and manage crypto transactions in over 13 cryptocurrencies with features like email billing, PoS, and real-time fiat conversion;
- It stands out with Binance Pay integration and a 4,000+ brand gift card store;
- CoinGate payment processing costs 1%, with extra fees for cards and withdrawals;
- CoinGate follows KYC, AML, and GDPR rules;
- Users praise features but have reported slow support and some gift card issues.
CoinGate Overview – What is CoinGate
CoinGate designed a platform to integrate crypto payments seamlessly into any online store or service. It was founded in 2014 in Vilnius, Lithuania, and today, it is a global platform that supports trading worldwide and crypto remittances.
Over the years, CoinGate has integrated major blockchain networks like Binance Smart Chain, Polygon, and Arbitrum while enhancing merchant functionalities and refund options and expanding its payment solutions.
Some strategic partnerships and innovations, such as collaborations with PrestaShop and the development of new payment modules, have strengthened CoinGate’s presence in crypto payments.
From launching gift card stores and referral programs to supporting over 70 cryptocurrencies, CoinGate has evolved into a comprehensive crypto payment gateway, processing over a million transactions.
CoinGate Services and Products
We will start our CoinGate review by listing its key products and services.
CoinGate allows merchants to accept crypto payments in 13 cryptocurrencies, such as Bitcoin, Ethereum, Solana, and Cardano. They will also be able to issue crypto refunds, convert crypto to fiat in real-time, track the status of their orders, and export their data. In addition, businesses can use CoinGate’s Instant Email Billing solution to send their bills to customers via email or direct link. At the same time, the Payment Button feature will enable merchants to accept crypto payments on their websites without the need for coding. Merchants can test the aforementioned payment services before integrating them into their business through CoinGate’s Sandbox Environment. CoinGate offers a PoS solution that facilitates crypto payments in physical retail environments. This web app confirms payments in just a few seconds. It can also adapt to various devices, from tablets to smartphones. On the other hand, CoinGate’s white-label payment solution enables businesses and payment service providers to integrate crypto payment processing into their services. For example, merchants can customize their payment services to match their operations. In addition to that, CoinGate’s white label includes an advanced Anti-Money Laundering program and expanded functionalities, such as tracking underpayments/overpayments, executing mass payouts, and hiding the payment flow. CoinGate’s partnership with Binance Pay enables CoinGate merchants to accept crypto payments from Binance Pay users. Binance Pay is a mobile app sends and receives digital assets from a mobile device. Merchants can accept crypto payments from Binance Pay users by creating a CoinGate business account, verifying it, and choosing the integration method (API integrations are coming soon). This option can be turned off at any time. The Binance Pay app has over 12 million users and supports 80+ cryptocurrencies and stablecoins, such as BTC, ETH, BNB, USDT, USDC, and FDUSD. Keep in mind that Binance Pay payments come with a 0.3% fee. The Gift Card Marketplace is highlighted in many CoinGate reviews as its standout feature, and for good reason. CoinGate enables businesses to sell their gift cards through codes and PDFs to their clients directly from their platform. Merchants can also set their prices and manage their distribution partners. CoinGate is partnered with 4000+ brands, such as Walmart, Amazon, and Apple, which means that its card store covers multiple categories, from restaurants and gaming to electronics and clothing. The gift cards can be purchased using crypto and traditional payment methods like Visa and Mastercard. Most online gift cards will be delivered in 4 minutes via email. CoinGate’s Merchant Directory enables individuals, companies, and businesses to locate merchants that accept crypto payments. You can find a merchant through the search feature or by browsing different categories. At the time of writing, CoinGate’s Merchant Directory features 120+ merchants, such as Alternative Airlines, iDeal, iStore, NordVPN, and Surfshark. The Merchant Directory features merchants that accept over 15 digital assets and support payments on 11 blockchains and layer 2 solutions, such as Solana, Polygon, Lightning Network, BSC, Arbitrum, and Tron. Besides enabling companies to showcase their crypto acceptance, the Merchant Directory will also help businesses increase their visibility in the crypto community. CoinGate supports 13 digital assets for buying, selling, and payment processing: On the other hand, the Gift Card Marketplace supports 90+ cryptocurrencies. Click here to see the full list. The list of CoinGate payment methods includes: Individuals can buy cryptos using credit and debit cards (Visa and MasterCard). The process of buying crypto with a credit card is straightforward. Select a cryptocurrency, enter the amount you wish to buy, enter your billing details, and pass a quick verification. The maximum purchase limit is 20,000 EUR/USD per day and 50,000 EUR/USD per month, while the minimum purchase amount is 50 EUR/USD. CoinGate is partnered with Simplex, an EU-regulated financial institution, which enables individuals and businesses to buy crypto instantly with secure, fraud-free fiat-to-crypto transactions. Credit/debit card transactions will be processed between 10 minutes and 1 hour. CoinGate accepts EUR for fiat currency purchases primarily through SEPA bank transfers. Additionally, other currencies can be used for credit/debit card purchases via the “Buy Instantly” function. For SEPA and international bank transfers, the minimum purchase is 5,000 EUR. If you need to increase this limit, contact customer support. Mobile balance limits vary depending on the country. CoinGate users can also buy gift cards using SEPA by visiting the CoinGate Gift Cards store. SEPA transfers are usually processed within one business day. If you want to check your payment status, enter your payment ID here. The crypto payment processing fee on CoinGate is only 1% for all buttons, plugins, web PoS, APIs, and billing. A refund issuance fee of 0.25 EUR will apply for each issued refund. The crypto trading fee on CoinGate amounts to 8% for purchases made with credit and debit cards. CoinGate also charges a conversion fee as well as a withdrawal fee that varies from 0.5% to 1%, depending on the payment method and withdrawal amount. The fee structure is as follows: Withdrawal fees: *Fees are subject to change based on various business risks. Now that you know everything about this platform’s services and products, you must wonder, “Is CoinGate safe to use?” The short answer is yes. CoinGate complies with the General Data Protection Regulation (GDPR) guidelines to protect its users’ personal data. CoinGate is not a crypto exchange but a payment gateway, meaning that its users will not be in danger of Ponzi and pyramid schemes or ICO/IDO scams. CoinGate protects its users by implementing a merchant vetting process to ensure that only legitimate businesses use its platform. CoinGate also adheres to KYC and AML regulations, employing advanced encryption and 2FA. CoinGate is not licensed as a money transmitter or an electronic money institution. However, all fiat payments are processed through licensed payment partners, such as Nexpay, IBS, and Nuvei, which ensures compliance with relevant financial regulations. CoinGate is available in over 50 countries, such as France, Germany, Italy, Spain, the UK, Argentina, Brazil, Mexico, Egypt, Japan, and India. CoinGate is also available in Australia and New Zealand. However, due to regulatory issues, CoinGate doesn’t support customers and merchants from the US. You can check the complete list of supported countries here. The CoinGate app for Android and iOS devices is under development at the time of writing. However, you can use its POS web app to accept crypto payments through web browsers. CoinGate has an extensive FAQ section where you will find answers to questions related to account issues, payment methods, and fees. You can use the live chat feature to speak with the ChatBot or the support agent (if the ChatBot doesn’t resolve your query), and you can submit a request. CoinGate’s support team can also be contacted via email at [email protected]. CoinGate offers specialized support channels related to sales, technical issues, compliance, and press inquiries. For example, CoinGate’s Compliance Department team will handle legal and compliance queries. Merchants will be able to book a demo call, while media representatives will receive answers to all media-related questions they may have. Now that we have answered “ what is CoinGate: and what makes it stand out, here’s how this platform compares to popular crypto exchanges. Instant Email Billing Point-of-Sale (PoS) Web Solution White Label Payment Gateway solution Binance Pay integration Gift Card Marketplace Merchant Directory Email Billing Crypto Payouts In-store Payments Crypto Donations Merchant Directory Buy Gift Cards Copy trading Spot trading Margin trading Futures trading Trading bots Simple and Advanced Earn Crypto loans Earn Learning rewards International exchange Coinbase card Wallet SDK Credit/Debit Cards SEPA Bank Transfers Bank deposits SWIFT Credit/debit cards Electronic payment wallets Prepaid cards Stablecoins Bank transfers 3D Secure Card iDeal PayPal Apple Pay Google Pay Debit card USD bank account (SWIFT) Complies to GDPR guidelines Merchant vetting process KYC and AML regulations Advanced encryption Biometric security Multisig technology First blockchain payment processor to achieve SOC 2 compliance Real time monitoring Multisignature and threshold signature schemes (TSS) Advanced data encryption Security notifications Annual audits Password protection Multi-approval withdrawals in Coinbase Vault Here’s how CoinGate is rated by Trustpilot and Reddit users: This platform has a 3.6-star rating on Trustpilot based on 1,435 reviews. The majority of negative reviews are related to CoinGate’s gift cards. For example, users have reported problems with code mismatches, delayed responses, and difficulties with redeeming cards. On the other hand, 64% of users are satisfied with CoinGate’s services, especially regarding its customer support. The official CoinGate subreddit has 216 members who sometimes complain about slow replies and invalid gift card codes. CoinGate’s agents on Reddit claim that reply times might be slower over the weekend, which is why they encourage their users to share their ticket IDs. Due to negative comments on Reddit, many crypto traders may wonder “is CoinGate legit?” As mentioned, CoinGate is not licensed as a money transmitter or an electronic money institution. However, it complies with financial regulations through its partnerships with Nexpay, IBS, and Nuvei. These authorized payment processors are responsible for processing CoinGate’s fiat transactions. CoinGate also complies with US laws and regulations, as well as anti-money laundering (AML) and anti-terrorist financing (ATF) laws. To combat money laundering and terrorist financing, CoinGate recently integrated the Travel Rule and the Transfer of Funds Regulation (TFR). This means that CoinGate will record information between two regulated providers. In addition to that, CoinGate aligned its operations with the EU’s Digital Operational Resilience Act (DORA). Step 1. Visit the registration page and select the type of account you want to set up “personal” or business” account. When prompted, enter your personal registration country and continue to the next step. Step 2. Create a personal account by choosing the preferred method- Google, Apple, or email. We chose email. Step 3: You will receive an email with a “Verify Email” button. Click this button to get your authentication code. You will also get another email with a ‘Confirm Your Email’ button. Step 4: Check your inbox for the authentication code. Enter this code to continue. You will have a few more steps to change your account to a business account. Step 5: To create a business account, provide your name, country, and website address. Click “Continue” to proceed, and click “Get verified” with the necessary business documents and a personal ID. You can also proceed to the dashboard and verify your account later. Step 6: You will have access to the Coingate dashboard and continue with these steps: After signing up, CoinGate allows you to create and share a referral link. Your referral business’s sale through the CoinGate payment option, you earn a profit. Here are some benefits of using the referral code: You earn 20% of the fees CoinGate collects from payment processing, there is no limit to the number of businesses you can invite, and the referred business receives a 10% discount on processing fees for the first three months. We will conclude our CoinGate review by listing its main pros and cons. Pros: Cons: As you can see from our Coingate review, this payment gateway is ideal for businesses and individuals who want to send and receive crypto payments. CoinGate allows merchants to accept payments on various blockchains, from Bitcoin to Solana. This platform stands out for its merchant-friendly services and Gift Card Marketplace, which enables companies to list their gift cards. Customers can also purchase over 4000+ gift cards provided by popular brands, such as Apple, Walmart, and Spotify. All crypto payment processing fees on CoinGate amount to 1%, while the withdrawal fees range from 0.5% to 1%. CoinGate is available in 50+ countries. However, US residents won’t be able to use its services. Is CoinGate Legit? Yes, CoinGate is a legitimate platform that is supported in 59 countries. CoinGate also complies with financial regulations through its partnerships with Nexpay, IBS, and Nuvei, US laws and regulations, and AML and ATF laws. What Does CoinGate Do? CoinGate allows merchants to accept cryptocurrencies as payment, modify their crypto settlements, and convert their crypto balances. CoinGate is also partnered with Binance Pay, Onfido, Simplex, and MoonPay, which enables it to provide a wider range of payment options. What Is the CoinGate Payment Fee? CoinGate charges a 1% payment processing fee for all buttons, plugins, web PoS, APIs, and billing. Users will also have to pay a refund issuance fee of 0.25 EUR and an 8% fee for credit/debit card purchases. Does CoinGate Work In the USA? No. CoinGate is not supported in the US. Who Is the Owner of CoinGate? CoinGate was founded by Dmitrijus Borisenka, Jonas Gilys, and Irmantas Bačiulis. CoinGate is based in Vilnius, Lithuania. Does CoinGate Require KYC and ID? Yes, if you reach the limit of €1000 per month or exceed the limit of €5000 per month, you must pass the full KYC identification. The KYC verification includes providing a valid ID card or passport. Established in 2013, 99Bitcoin’s team members have been crypto experts since Bitcoin’s Early days. Weekly Research Monthly readers Expert contributors Crypto Projects ReviewedCrypto Payments
Point-of-Sale (PoS) Web Solution and White Label Payment Gateway Solution
Binance Pay Integration
Gift Card Marketplace
Merchant Directory
Supported Digital Assets and Payment Methods
Payment Methods
Credit/Debit Cards
SEPA Bank Transfers
CoinGate Fees
Fee Type
Fee Amount
Refund Issuance Fee
0.25 EUR per issued refund
Conversion Fee
0.1% from the converted amount (Applied only in case refund currency differs from merchant balance currency)
Credit/ Debit card
8% fee for buying only
Currency conversion
1% fee per conversion
Method
Minimum Withdrawal Amount
Withdrawal fee
SEPA bank transfer
50 EUR
0%
Non-SEPA transfers (EUR, GBP, USD)
50 EUR
0.5% (no less than 50 EUR)
AdvCash
50 EUR
1%
Cryptocurrencies and Tokens
50 EUR
0%
CoinGate Security
Availability
Customer Support
Comparison: CoinGate vs. Competitors
CoinGate
Bitpay
Binance
Coinbase
Fees
1% fee for merchant payment processing
Payment processing service for merchants stands at 1-2% + 25¢ per transaction
Trading fees vary from 0.0110% to 0.1000%, depending on the VIP level
Fees range from 0.00% and 0.40% (maker) and 0.05% and 0.60% (taker)
Products and services
Crypto Payments
Online Crypto Payments
P2P trading
Advanced Trade
Availability
50+ countries
200+ countries, including the US
100+ countries, including the US (BinanceUS)
100+ countries
Payment methods
Cryptocurrencies
Cryptocurrencies
Bank transfers
SEPA
Security
Two-factor authentication
Two-factor authentication
Offline, cold storage
2FA
Mobile app
Mobile-responsive web application
Yes
Yes
Yes
Ease of Use
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User Experience and Reviews
CoinGate Review on Trustpilot
CoinGate Review on Reddit
Regulation and Compliance
How to Create an Account to CoinGate
Referral Code and Sign-Up Bonuses
CoinGate Pros and Cons
The Final Word on our Coingate Review for 2025
CoinGate
Pros
Cons
FAQs
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