NOWPayments’ terms say its services aren’t for residents or citizens of the EU, the UK, the US or the UAE, while CoinGate is MiCA-licensed and onboarding EU businesses now. See how fees, payouts, refunds and custody stack up below.
Who holds your funds, who runs payouts, who approves refunds, and more.
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 If something here is out of date, tell us and we will correct it.
Five clauses from its merchant terms, the agreement you accept when you open an account. Last updated on 31 August 2026. The base fee is 1% on both sides, so price won’t decide this one. Where your funds sit, who pays out and who confirms a refund probably will.
NOWPayments’ terms rule out EU businesses. Outside the EU, it has strengths worth weighing.
Payout Links need only an email. The recipient adds their own wallet and network.
Settle in EUR, GBP or USD. SEPA withdrawals are free from 50 EUR.
Refunds come out of your CoinGate balance, in any currency we support.
Five roles and four-eye payout approval, in one account for fiat and crypto.
Its terms rule out the EU, the UK, the US and the UAE, among others.
NOWPayments lists 350+ currencies.
It names plugins for both, plus Shopify via a custom app.
Its on-ramp lists Visa, Mastercard, Apple Pay, Google Pay and Revolut Pay.
Sign up and verify your business. No setup or integration fees.
EUR, GBP, USD, stablecoins or crypto. Skip it and orders settle in USDC.
Add a plugin or use the API. Run test payments in the sandbox.
Add Payout Links or recurring bills if you need them. No monthly fees while you decide.
“Working with a MiCA-licensed crypto payment provider is a critical requirement for us. It brings the regulatory clarity and institutional credibility we expect from our financial partners.”
Squaretalk Head of Partnerships and Business Development
Not according to its terms. Section 15.1 of the merchant terms, last updated 31 August 2026, says the services are not rendered to residents or citizens of the European Union.
When we checked on 2 October 2026, ESMA’s interim MiCA register had no entry for NOWPayments or FD Transfers LLC. CoinGate’s operator, UAB Decentralized, was authorised by the Bank of Lithuania on 16 December 2025.
1% for payments without exchange. 1.5% for multi-currency and fixed-rate payments, among others, according to its help centre.
Its merchant terms are an agreement with FD Transfers LLC, a company registered in St. Vincent and the Grenadines.
NOWPayments advertises “instant onboarding” for crypto and a “simple KYB” to add fiat. CoinGate follows strict AML and KYC requirements.
Yes. Settle in EUR, GBP or USD, in USDC or EURC, or in crypto. If you don’t choose, orders settle in USDC.
