CompareCoinGate
A CoinGate Alternative With Nothing to Settle
CoinGate is a regulated processor that holds your balance and settles it on a schedule. Paymento is non-custodial payment infrastructure: each payment lands in your own wallet, with no settlement run and no withdrawal minimum.
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Credited to your CoinGate balanceWeekly settlement
Withdrawals from 50 EUR. SWIFT costs 0.50%.
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In your own walletOn each confirmation
Regulated Custody or Your Own Keys
Both models carry risk. They put it in different places, so pick the one you are better placed to manage.
Who you rely on
A company authorised as a Crypto-Asset Service Provider under MiCA by the Bank of Lithuania, holding your balance until you withdraw it.
Your own wallet. Paymento routes and records payments but never holds them, and cannot move them without your authorized session.
What you manage
Withdrawals: when to request them and which route to pay for.
Your keys. Bring your own wallet, or use an embedded wallet store protected by your passkey that you can export at any time.
If you leave
Withdraw what is left in your balance, above the 50 EUR minimum.
There is nothing to withdraw. The money was never anywhere but your wallet.
CoinGate vs Paymento at a Glance
Where each one is stronger, from CoinGate's pricing page and FAQ and Paymento's own documentation.
Last verified 12 October 2026
| Feature | PaymentoEither wallet option | CoinGateStandard plan |
|---|---|---|
| Money flow | ||
| Where payments landThe first place the funds reach. | Your own wallet, stronger hereNo account balance in between.4 | Your CoinGate account balanceDescribed as one regulated account for crypto and fiat.1 |
| What you are trustingThe party that stands behind your funds. | Your own keysPaymento never takes custody. | A MiCA-authorised provider, stronger hereUAB Decentralized, authorised by the Bank of Lithuania.2 |
| SettlementHow funds move from processor to you. | None needed, stronger hereEmbedded wallet stores consolidate when you choose. | Weekly, automaticOn demand for Enterprise.1 |
| WithdrawalsGetting money out of the account. | Nothing to withdraw, stronger hereThe funds are already in your wallet. | 50 EUR minimumCrypto and SEPA free; SWIFT 0.50%.1 |
| Fees | ||
| Payment feePublished standard rate. | 0.5%, stronger herePlus $0.20 on embedded wallet stores. Custom rates at volume.4 | 1%No monthly fee. Volume-based on Enterprise.1 |
| Sending crypto outPaying a supplier or partner. | From your own walletPaymento charges nothing for it; you pay the network fee. | Crypto payouts0.50 EUR + 0.5%, or + 1.5% with conversion.1 |
| Fiat conversionTurning crypto into euros or dollars. | Not offeredAccept USDT or USDC to avoid volatility instead. | Instant conversion, stronger herePlus reporting in the same account.1 |
| Coverage and refunds | ||
| CoinsWhat customers can pay with. | 7 networks plus USDT and USDCBTC, ETH, TRX, SOL, LTC, DOGE, BCH.5 | 10+ cryptocurrenciesOn the Standard plan.1 |
| RefundsWhere the money for a refund comes from. | Sent from your walletValidated on-chain against the order. | From your CoinGate balanceIssued inside the account.1 |
Network fees are paid to the blockchain and are excluded on both sides.
Getting Paid Out Has Its Own Price List
On CoinGate, money reaches you through a withdrawal: crypto and SEPA are free above a 50 EUR minimum, SWIFT costs 0.50%, and crypto payouts to someone else cost 0.50 EUR plus 0.5%. With Paymento there is no withdrawal at all. You move your own funds when you like and pay only the network fee.
See Paymento's full pricingCoinGate withdrawal5,000.00 EUR
- Crypto to your walletFree
- SEPA to your bankFree
- SWIFT, 0.50%25.00 EUR
- Crypto payout to a supplier, 0.50 EUR + 0.5%25.50 EUR
Minimum withdrawal 50 EUR. Network fees not shown.
Funds are already in your wallet. Paymento's 0.5% is billed to your balance per payment, never on the way out.
Test Every Integration Before a Customer Pays
Run your whole checkout on Bitcoin testnet, Ethereum Sepolia or Tron Shasta first. The callbacks you receive there are signed with HMAC-SHA256 exactly as in production, and the verify endpoint answers the same way, so your order logic is proven before you switch it on.
Read the API overview- Bitcoin testnet
- Ethereum Sepolia
- Tron Shasta
- Callback
- Signed, HMAC-SHA256
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- Verify endpoint
- Integrations
- Plugins, links, API
Which Suits Your Business
CoinGate is the stronger pick if you want an authorised provider holding your balance. If you want your own keys, Paymento is.
| If this sounds like you | Better fit |
|---|---|
| You want a MiCA-authorised provider holding your balance | CoinGate |
| You want payments converted to fiat as they arrive | CoinGate |
| You want SEPA withdrawals, payouts and reporting in one account | CoinGate |
| You want each payment in your own wallet once it confirms | Paymento |
| You would rather skip weekly settlement and withdrawal minimums | Paymento |
| You want to pay 0.5% instead of 1% | Paymento |
Leaving CoinGate Without a Gap in Payments
Open Paymento first, move new orders over, and only then empty the old account.
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Open a Paymento store first
Set it up next to your current checkout with a plugin, a payment link or the API. Fees start against your free credit.
Free credit$15
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Switch new orders over
Route new orders to Paymento and confirm each one through its signed callback and the verify endpoint.
Each orderSigned, then verified
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Withdraw the remainder
Once open orders and refunds are done, turn CoinGate off at checkout and withdraw what is left.
RouteCrypto or SEPA, free
CoinGate Alternative FAQ
Custody and regulation
According to CoinGate, its operator UAB Decentralized is authorised as a Crypto-Asset Service Provider under MiCA by the Bank of Lithuania, and licensed as a payment institution for electronic money token transfers.
CoinGate keeps your balance and pays it out on a schedule; Paymento never holds the payment, which goes straight into a wallet you control.
Fees and volatility
CoinGate lists free crypto and SEPA withdrawals above a 50 EUR minimum and 0.50% for SWIFT. Paymento has no withdrawals, because the funds are already in your wallet; you pay only normal network fees when you move them yourself.
Price in USD or EUR and accept stablecoins: USDT on Ethereum or Tron, or USDC on Solana. You are paid in a dollar-pegged token held in your own wallet (how stablecoins work). See the stablecoin payment gateway for details.
Getting started
An email address and a wallet: either one you already control, connected by public address or xpub, or a new embedded wallet created in the dashboard. Paymento does not ask for KYC to open the account; your own regulatory and tax obligations still apply.
Yes. Paymento integrations can be tested on Bitcoin testnet, Ethereum Sepolia and Tron Shasta, with the same signed callbacks you will use in production.
On the compare page, alongside a checklist of questions worth asking any gateway.
Skip the Settlement Run
Accept crypto directly into your own wallet and stop waiting for payouts.
Sources & Methodology
Show all 6 referencesHide references
CoinGate
Pricing
Legal & policies
Paymento
Pricing
Settlement & custody
Integrations
Documentation
Competitor details come only from each company's own pricing, help-centre, documentation and legal pages, read on the date above. Numbers in the comparison link to these references. If something is out of date, tell us and we will correct it.
