● TOP PROCESSOR · 2026 70+ COINS FIAT SETTLEMENT
CoinGate review
MiCA-licensed EU gateway with 70+ coins and Lightning Network
The verdict
7.8 / 10 · CONSIDER
Top pick for European merchants needing full regulatory compliance under MiCA, solid coin coverage, and fiat EUR settlement. The most compliant gateway in the EU as of late 2025.
◆ BUY IT IF
- First homegrown Lithuanian company with full MiCA license — passportable across all 30 EEA countries
- Lightning Network support for fast, low-fee BTC payments
- 1% flat transaction fee with no setup or monthly charges
- Fiat EUR settlement to EU bank accounts
◇ SKIP IT IF
- Fiat withdrawal adds 2–4% conversion fee on top of 1% gateway fee
- Gift card product generates disproportionate negative reviews
- Onboarding verification described as cumbersome with many document requirements
- Trustpilot score (3.6/5) dragged down by gift card complaints
§ 01 SCORE BREAKDOWN
Seven axes, weighted.
DIMENSION WEIGHT RATING SCORE
Transaction fees
1%
Integration ease
7 integrations available
Settlement speed
1% + 2–4% conversion (SEPA, 1–2 business days)
Coin support
70+ cryptocurrencies
Security & compliance
MiCA license from Bank of Lithuania (December 2025); Payment Institution license from Bank of Lithuania; autho
Fiat conversion
Direct fiat bank settlement
Support
§ 02 SPECIFICATIONS
Everything, in one table.
Fees
- Transaction fee
- 1%
- Monthly fee
- Free
- Fiat settlement
- 1% + 2–4% conversion (SEPA, 1–2 business days)
Coverage
- Supported coins
- 70+
- Top coins
- BTC, ETH, USDT, USDC, LTC, DOGE, BNB, XRP
- Markets served
- EU/EEA (30 countries — MiCA-passported); Global merchants supported for crypto-only settlements
- Restricted
- —
Integration
- Integrations
- WooCommerce, Magento, Shopify, PrestaShop, OpenCart, API, POS app
- Integration ease
- 8.0 / 10
Trust
- Regulatory
- MiCA license from Bank of Lithuania (December 2025); Payment Institution license from Bank of Lithuania; authorized across all EEA member states
- Trustpilot
- 3.6/5
- Founded
- 2014
§ 03 FAQ
Frequently Asked Questions
Is CoinGate safe for businesses? +
CoinGate MiCA license from Bank of Lithuania (December 2025); Payment Institution license from Bank of Lithuania; authorized across all EEA member states.
How much does CoinGate charge per transaction? +
1%. Total effective fee for fiat EUR settlement is 3–5%
How many cryptocurrencies does CoinGate support? +
CoinGate supports 70+ cryptocurrencies, including BTC, ETH, USDT, USDC, LTC.
Is CoinGate available in my country? +
CoinGate is available in: EU/EEA (30 countries — MiCA-passported); Global merchants supported for crypto-only settlements.
◆ OPEN ACCOUNT
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