BitPay has paused new onboarding in the EEA, the UK and Australia. Meanwhile, CoinGate is MiCA-licensed and onboarding EU businesses now. Below is how the two compare on fees, payouts, refunds and settlement.
Checkout is only part of it. Here’s how payouts, invoices, refunds and settlement compare too.
Checked on 2 October 2026. CoinGate makes no representation as to the completeness or accuracy of third-party information.
Say you sell $400,000 a month in $40 orders. That’s below BitPay’s first volume threshold, so it charges 2% + 25¢ per order: $10,500. CoinGate Standard charges 1%: $4,000.
Processing fees only. Network fees, conversion and payouts aren’t included, and BitPay notes higher fees for high-risk industries.
We’d rather you pick the right provider than switch twice.
Payout Links need only an email. The recipient adds their own wallet.
Send invoices by email or link, weekly or monthly.
Payment channels, a permanent deposit address per client for top-ups.
EUR, GBP, USD and crypto in one account. Five roles and four-eye payout approval.
BitPay offers QR checkout in store.
BitPay has plugins for Shopify and BigCommerce.
BitPay settles every business day, also in AUD, CAD, CHF, MXN or NZD.
And over $1M a month, where its rate is 1% + 25¢.
Sign up and verify your business. No setup or integration fees.
EUR, GBP, USD, stablecoins or crypto.
Add a plugin or use the API. Test in the sandbox, then go live.
Set up payout links or recurring bills whenever you need them.
“Our publishers love that they can get paid out in crypto on a weekly basis now. It builds a lot of trust when they see payments arriving on time.”
Coinzilla Head of the Publisher Department
Coming from BitPay?
Not for now. BitPay’s supported-countries page, last updated 21 September 2026, lists the EEA as “Currently Paused for new onboarding”. The UK and Australia are paused too.
Yes. ESMA’s register lists BitPay B.V. as authorised by the Dutch AFM on 16 July 2026. CoinGate’s operator, UAB Decentralized, was authorised by the Bank of Lithuania on 16 December 2025.
2% + 25¢ per transaction below $500,000 a month, 1.5% + 25¢ up to $999,999 and 1% + 25¢ from $1,000,000. BitPay notes higher fees for high-risk industries. Payouts cost 1%.
It depends on where you are and what you need. If you’re in the EEA, BitPay isn’t onboarding new merchants right now. If you also pay people, BitPay asks payout recipients to pass its KYC. CoinGate recipients need only a wallet.
Yes. Payout Links need only the recipient’s email. They add their own wallet and network, then confirm with a code sent to that email.
Yes. Settle in EUR, GBP or USD, in USDC or EURC, or in crypto. If you don’t choose, orders settle in USDC.
