BTCPay Server is open-source software you host yourself, with no processing fee. CoinGate is a hosted gateway with a MiCA licence, euro settlement and payouts. Looking at a BTCPay Server alternative? They suit different teams, so here’s how to tell which one you are.
BTCPay charges 0% per payment, but someone has to host and maintain the server. CoinGate charges 1% on Standard, with no monthly fees.
Open-source, self-hosted
Open-source, self-hosted
Checked on 2 October 2026. CoinGate makes no representation as to the completeness or accuracy of third-party information. If something here is out of date, tell us and we will correct it.
BTCPay Server charges nothing per payment. The work moves to whoever runs it. This is the starting list from BTCPay’s own docs. If you have an engineer who likes this kind of work, it’s a strong setup. If you don’t, a hosted gateway gives you those hours back.
There’s no wrong answer. It comes down to who runs the tech and where the money needs to land.
Install a plugin or connect the API. CoinGate runs the platform.
Settle in EUR, GBP or USD. SEPA withdrawals are free from 50 EUR.
CoinGate is authorised by the Bank of Lithuania.
Accept USDC on 7 networks, plus Bitcoin on Lightning.
Payments go straight to your own wallet.
BTCPay charges nothing per payment. You pay for the server and network fees.
No address re-use, plus Payjoin and Tor support.
Bitcoin is the project’s focus. Altcoins are community-run.
Sign up and verify your business. No setup or integration fees.
EUR, GBP, USD, stablecoins or crypto. Skip it and orders settle in USDC.
Plugins cover WooCommerce, WHMCS, Magento 2, PrestaShop, OpenCart and Wix. Test in the sandbox.
Keep BTCPay running until open invoices and refunds are done, then switch it off.
“CoinGate’s support team is highly responsive and helps resolve the issue quickly. Overall, crypto payments have become a routine and low-maintenance part of our finance operations.”
Squaretalk Head of Partnerships and Business Development
BTCPay Server vs CoinGate: FAQ
The software is free and open-source under the MIT licence, and BTCPay charges 0% per payment. You still pay for a server, which its docs put at under $10 to $70 a month, plus Bitcoin network fees.
BTCPay says some technical understanding is needed for the initial setup. The operator deploys, maintains, backs up and updates the server.
BTCPay has no e-mail, live-chat or phone support. Help comes from its community, and some members offer paid support.
Not by itself. Fiat conversion comes through plugins, for example Bringin, a third-party euro off-ramp.
BTCPay describes itself as an open-source project, not a company, and we found no entry for it on ESMA’s interim MiCA register. CoinGate’s operator, UAB Decentralized, was authorised by the Bank of Lithuania on 16 December 2025.
Yes, nothing stops you. You could keep BTCPay for Bitcoin and use CoinGate for stablecoins, payouts and euro settlement.
