CryptoPayIn vs CoinGate
Same headline fee, opposite philosophy. CoinGate is the licensed European option with fiat payouts and mandatory business verification; CryptoPayIn is the key-based account that starts collecting before CoinGate's form is half filled.
CoinGate deserves its reputation: a Lithuanian company operating since 2014, now MiCA-licensed, with 70+ coins, Lightning support, plugins for every major e-commerce platform and EUR settlement to European bank accounts. For a VAT-registered EU business that wants crypto revenue in euros, it is arguably the category leader.
Its licence is also its constraint. MiCA compliance makes merchant KYB non-negotiable: registry extracts, director IDs, UBO declarations, then review. Fiat conversions carry spreads beyond the 1% processing fee. Chain-analytics obligations mean privacy coins are gone — CoinGate delisted Monero years ago. And a licensed custodian must be able to suspend accounts and hold funds when its obligations demand it.
CryptoPayIn keeps the 1% and deletes the rest of the model. No entity to verify, no fiat rail (and therefore no spread), Monero restored, and a ledger whose only supported operations are credit, debit and withdraw — “hold for review” does not exist in the schema.
CoinGate vs CryptoPayIn, dimension by dimension
Competitor details reflect published pricing and policies as of July 2026 — always verify current terms with the provider.
| Dimension | CoinGate | CryptoPayIn |
|---|---|---|
| Processing fee | 1% + conversion spreads on fiat settlement | 1% flat, no spreads (no conversion) |
| KYC / KYB | Mandatory (MiCA licence) | None |
| Regulatory status | MiCA-licensed EU CASP | Unlicensed on-chain settlement only |
| Monero (XMR) | Delisted for compliance | First-class support |
| Fiat (EUR) settlement | Yes | No — on-chain payouts only |
| E-commerce plugins | Extensive (Woo, Magento, Presta…) | REST API, payment links, hosted checkout |
| Fund freezes | Possible under licence obligations | Structurally impossible |
| Signup to first invoice | Days (KYB review) | About 30 seconds |
You are an EU-registered business that wants EUR bank settlement inside a MiCA-regulated relationship, or you depend on turnkey plugins for a large e-commerce platform.
You want the same 1% without identity checks, you serve privacy-minded customers (Monero), you sell globally without needing fiat conversion, or you've simply had enough of compliance queues.
Create your account →CoinGate switchers ask
CoinGate and CryptoPayIn both charge 1% — what actually differs?
What surrounds the 1%. CoinGate adds KYB onboarding, fiat conversion spreads, licence-driven coin curation and the ability to hold funds. CryptoPayIn adds nothing: no identity, no spreads, no holds — the 1% is the entire relationship.
Why did CoinGate drop Monero?
Licensed processors must run chain analytics on deposits; Monero's privacy design makes that impossible, so licensed gateways delisted it industry-wide. A no-KYC gateway has no such obligation — see our Monero page.
Is a licensed gateway safer for me as a merchant?
It is safer for regulators. For you it cuts both ways: a licence adds oversight, but also legally obligates the gateway to freeze first and ask questions later. Decide which failure mode worries you more.
I need WooCommerce — is CryptoPayIn harder to integrate?
CoinGate's plugin is more turnkey today. CryptoPayIn's REST API is deliberately small (one endpoint + one webhook) and payment links need no code at all; most stores wire it into an afternoon.
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The switch takes one afternoon.
One endpoint, one webhook, no KYC and a flat 1% fee. Your first invoice can settle today.