CoinGate: обзор

Why the published fee table is the whole story here#

Almost nothing else in this index lets you compute a total from public pages. Processing, conversion on manual exchanges, SEPA, SWIFT and crypto payout costs all appear on one page, which means a European merchant can price the relationship to within a small margin before speaking to anybody.

That is worth stating as a feature because it is so unusual. Across the providers indexed here, most publish a headline rate and stop, and the components they omit are typically larger than the one they show. A provider that publishes the awkward numbers has made a choice about how it competes.

Where the narrow asset list bites#

A published count of ten or so is the shortest of the general-purpose processors here, and it is a real constraint rather than a rounding error. A merchant selling internationally will meet customers holding assets outside that list, and the resulting lost sales are invisible because nobody files a complaint about a checkout they abandoned.

It is not a constraint at all for a business whose customers pay in Bitcoin and a stablecoin, which describes a large share of European ecommerce. Decide which of those two descriptions fits you before weighing this card against a broader one.

The 1% exchange fee that gets missed#

Manual conversions carry a stated 1% on top of processing, which is easy to overlook when comparing headline rates and material once you are converting regularly. A merchant converting everything is looking at roughly double the advertised figure, and that is still competitive here because the number is at least knowable.

The saving that offsets it is SEPA. Euro withdrawals are free and stated as free, against SWIFT at 0.50% and crypto payouts at a fixed euro amount plus a percentage. For a euro-banking business the settlement side costs nothing, which is not true anywhere else in this index.

Who should shortlist this#

European merchants who need a defensible number in front of a finance function, and who can live with a short asset list. That combination describes this provider precisely, and where it fits it fits better than anything else here.

Merchants selling worldwide should compare against the broader providers and weigh lost sales against pricing clarity. The fees guide covers how to put both sides into the same units.

Who should not choose this#

A marketplace or platform whose customers arrive holding unpredictable assets. Ten or so supported currencies will lose sales you never see, and the loss compounds quietly while the fee table stays impressive.

A business banking outside the euro area. The settlement advantage that makes this card strong is specifically SEPA, and a merchant paid in dollars or sterling is looking at SWIFT at 0.50% instead, which changes the arithmetic considerably.

How this card scores where it does#

Cost scores strongly on completeness rather than on the number, which is a deliberate feature of the method: a published component beats an unpublished one because a reader can check it. Coverage is the weakest line and drags the total.

At 89% disclosure this is the most forthcoming card in the index. That figure is a measurement of the provider rather than of our research, and it is the single most useful thing on the card for anyone deciding how much of the evaluation will happen over email.

One thing to check for your own case#

Whether your customers' assets fall inside the published list. It is the only line holding this card back, and for a large share of European merchants it is not a constraint at all.

If it is, the fee transparency here is worth less than it looks, because a total you can compute precisely for sales you do not make is not much of an advantage.

Where CoinGate sits in the index#

The short version of this card: the most completely published fee table in the index. Every figure above was read off the provider's own pages on 2026-08-31, and the fields it declines to publish are recorded as such rather than left blank.

The criterion worth reweighting here is coverage, since it is the only line dragging this card. A merchant with a stable customer base can reasonably set it low, at which point this provider moves up the index sharply. The methodology page lets you check that.