A CoinPayments alternative for the EU

CoinPayments says it stopped serving EU and EEA clients after 1 July 2026 because of MiCA. Their account access is paused. If you need a CoinPayments alternative in Europe, CoinGate holds a MiCA licence from the Bank of Lithuania. Here’s how the two compare.

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A CoinPayments alternative for the EU

What the EU pause means for your store

EU and EEA accounts are paused

CoinPayments’ FAQ says it can’t keep serving EU and EEA clients after 1 July 2026 because of MiCA. A return isn’t confirmed.

Read the FAQ

No entry on the MiCA register

We found no entry for CoinPayments or the companies in its agreements on ESMA’s register. CoinGate has been authorised since 16 December 2025.

Check the ESMA register

Three fee figures on its own sites

One fee page says from 0.5% for coins. Another says from 3%. Its landing site says from 0.75%.

See the new fee page

How CoinGate and CoinPayments compare

EU access, store plugins, euros to your bank, refunds and more.

CoinGate
Access and licence
MiCA licence
Checked on ESMA's interim MiCA register.
Since 16 Dec 2025, Bank of Lithuania
Businesses in the EU
Open in all 27 EU countries
Company behind it
UAB Decentralized, Lithuania
Accepting payments
Processing fee
Published list prices. Network fees are not included.
1% on Standard. No monthly, setup or integration fees
Coins and networks
11 assets, Lightning on by default
Store plugins
6 plugins: WooCommerce, WHMCS, Magento 2, PrestaShop, OpenCart, Wix
Getting paid
Euros to your bank
SEPA, free from 50 EUR
Payouts
Payout Links by email, or CSV and API with four-eye approval
Invoices and refunds
Invoices
Email or link, weekly or monthly schedule
Overpayments
Flagged so you can refund the difference
Create business account
CoinPayments
Access and licence
MiCA licence
Checked on ESMA's interim MiCA register.
No entry found for CoinPayments or the companies in its agreements
Businesses in the EU
Paused since 1 July 2026
Company behind it
CoinPayments Inc., Cayman Islands, with PaidInSatoshi Inc., Panama
Accepting payments
Processing fee
Published list prices. Network fees are not included.
From 0.5% for coins, 1% for tokens. Can be adjusted for high-risk industries
Coins and networks
40+ currencies
Store plugins
2 in its docs: WooCommerce and WHMCS. Others “in development”
Getting paid
Euros to your bank
SEPA or SWIFT if approved for bank payouts, via partners
Payouts
Withdrawals to wallets, spend requests by API
Invoices and refunds
Invoices
Hosted invoices. Subscriptions mean a new invoice each period
Overpayments
Refunded automatically, minus the network fee

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.

Which CoinPayments fee applies to you?

We found three processing fees on CoinPayments’ own sites on 2 October 2026. The lowest one is below CoinGate’s 1%. A fee only helps if you can open the account, though, and EU and EEA access is paused.

See CoinPayments' new fee page

When to pick which

CoinPayments has run since 2013 and lists a lower base fee. Where your company is based decides most of this.

1

You trade in the EU

CoinGate is MiCA-licensed and supports all 27 EU countries.

2

You want euros in the bank

Settle in EUR, GBP or USD. SEPA withdrawals are free from 50 EUR.

3

You pay people by email

Payout Links need only an email. The recipient adds their own wallet.

4

You sell on Magento or Wix

CoinGate has plugins for both, plus PrestaShop, WooCommerce, WHMCS and OpenCart.

1

You're outside the EEA

Its EU and EEA pause doesn’t apply to you.

2

Base fee is your main filter

Its new fee page lists from 0.5% for coins and 1% for tokens.

3

You need a longer coin list

It lists 40+ currencies for payments.

4

You value a long record

CoinPayments has run since 2013.

Your switch, step by step

1

Open your CoinGate account

Sign up and verify your business. No setup or integration fees.

2

Choose how you settle

EUR, GBP, USD, stablecoins or crypto. If you skip it, orders settle in USDC.

3

Install and test

Add the plugin or connect the API. Run test payments in the sandbox first.

4

Empty your old balance

CoinPayments’ user agreement charges an inactivity fee on dormant accounts, so don’t leave funds behind.

“The CoinGate support team was fantastic. They guided us through every step, so there were no surprises.”

Coinzilla Head of the Publisher Department

Read the story

CoinPayments in the EU: FAQ

Switching from CoinPayments

Does CoinPayments still work in the EU?

Not for now. Its FAQ says it can’t keep serving EU and EEA clients after 1 July 2026 because of MiCA. Their account access is paused, and a return isn’t confirmed.

Is CoinPayments licensed under MiCA?

When we checked on 2 October 2026, ESMA’s interim MiCA register had no entry for CoinPayments or the companies named in its agreements. CoinGate’s operator, UAB Decentralized, was authorised by the Bank of Lithuania on 16 December 2025.

What are CoinPayments' fees?

Its new fee page lists from 0.5% per payment for coins and 1% for tokens, with adjustments for high-risk industries. Another fee page on its site lists 3%, and its landing site says from 0.75%.

Is CoinPayments legit?

It has run since 2013 and says it has processed $50 billion. Its global user agreement is with CoinPayments Inc. in the Cayman Islands and PaidInSatoshi Inc. in Panama. US merchants sign with Centauri Pay LLC.

Does CoinPayments charge for inactive accounts?

Yes. Its user agreement treats an account as dormant after 12 months of inactivity. It then charges an inactivity fee of 5.5% of the funds and assets held.

Can I settle in euros with CoinGate?

Yes. Settle in EUR, GBP or USD, in USDC or EURC, or in crypto. SEPA withdrawals are free from 50 EUR.