Both are crypto payment gateways with an API, a hosted checkout and no monthly fee. CoinsFlow takes 0.5% of each payment and pays out in the coin you were paid in. CoinGate lists 1% per transaction, and says your customers pay in crypto while you settle in EUR, GBP, USD or crypto.
Fees
| Fee | CoinsFlow | CoinGate |
|---|---|---|
| On each payment | 0.5% | 1% |
| On a $20 payment | $0.10 | $0.20 |
| On $1,000 of payments | $5 | $10 |
| Monthly or setup fee | none | none |
| Withdrawing crypto | the network cost, shown before you confirm | free, from 50 EUR |
| Sending crypto to others | a withdrawal, at the network cost | 0.50 EUR + 0.5% |
| To a bank account | not offered | SEPA free from 50 EUR; SWIFT 0.5%, at least 50 EUR |
CoinGate's pricing page lists “1% per transaction” on its Standard plan, “No monthly fees”, and says there are no setup or integration fees. It lists withdrawals of crypto and by SEPA as free, with “Minimum withdrawal amount is 50 EUR.”, withdrawals by SWIFT at 0.50% with a minimum fee of 50 EUR, and crypto payouts, to “suppliers, freelancers, or customers”, at 0.50 EUR + 0.5% (0.50 EUR + 1.5% with conversion). Converting by hand on its platform costs 1%; it says automatic checkout conversions are excluded.
On CoinsFlow every payment pays 0.5%, and every withdrawal pays its network cost, shown in the coin before you confirm, whether it goes to your own wallet or to somebody you pay. The smallest withdrawals are small: 0.0001 LTC, 0.00001 BTC, 1 USDT or USDC.
Payouts, plugins and licences
| What | CoinsFlow | CoinGate |
|---|---|---|
| Coins | 6: BTC, LTC, ETH, BNB, USDT, USDC | 10+ |
| Paid out in | the coin you were paid in | EUR, GBP, USD or crypto |
| Paid out on its own | at an amount you choose, daily or weekly | weekly |
| Shop plugins | none yet | WooCommerce, Magento 2, PrestaShop, OpenCart, WHMCS, Wix |
| Test payments | test mode, on your usual key | a sandbox account |
| Licences | none claimed | MiCA (crypto-asset services) and payment institution, Bank of Lithuania |
CoinGate's plugins page lists WooCommerce, Magento 2, PrestaShop, OpenCart, WHMCS and Wix. Its site says its company, UAB Decentralized, “is authorised as a Crypto-Asset Service Provider under the EU Markets in Crypto-Assets Regulation (MiCA)” by the Bank of Lithuania, and is “also licensed as a Payment institution by the Bank of Lithuania”. CoinsFlow claims no licence. It takes six coins on four networks (TRON is paused for now), and has no plugins yet.
Pick CoinGate if
- You want to be paid out in euros, pounds or dollars, to a bank account, or settled on its own every week.
- You need a provider licensed in the EU: it says it is authorised under MiCA and licensed as a payment institution in Lithuania.
- You want a ready-made plugin: WooCommerce, Magento 2, PrestaShop, OpenCart, WHMCS or Wix.
- You withdraw rarely and in large amounts: its crypto and SEPA withdrawals are free from 50 EUR.
- Your volume can earn the custom rates of its Enterprise plan.
Pick CoinsFlow if
- You want to keep more of each payment: 0.5% against 1%, so $0.10 against $0.20 on a $20 order, from the first one.
- You take small payments and withdraw small amounts: there is no smallest invoice in one coin, and the smallest Litecoin withdrawal is 0.0001 LTC.
- You are paid in Litecoin or Bitcoin: a payment is seen seconds after it is sent, counts as paid at the first confirmation (about 2.5 minutes on Litecoin, 10 on Bitcoin) and can be withdrawn at once.
- You want to keep what you are paid in crypto and send it on yourself, by hand or automatically: when your balance reaches an amount you choose, or once a day or a week.
- You want to test on the key you already have: an invoice with
"test": truecan be made paid, underpaid, overpaid or expired, with the same signed webhooks.
Where the figures come from
We run CoinsFlow, so this is our side of the comparison. Everything said about CoinGate is from its own pages, read on . Prices change, so check them before you choose:
- coingate.com/pricing: “1% per transaction”, “No monthly fees”, no setup or integration fees, the withdrawal and payout fees and their 50 EUR minimums, the 1% exchange fee on manual conversions, weekly automatic settlements, “Customers pay in crypto, you settle in EUR, GBP, USD, or crypto.”, “Accept 10+ cryptocurrencies”, and the Enterprise plan's custom rates.
- coingate.com/plugins: the six platforms.
- coingate.com: the sandbox account, and, in its footer, UAB Decentralized's MiCA authorisation (code LB002323) and payment institution licence (code LB002324) from the Bank of Lithuania.
CoinsFlow's figures are on our pricing page and in the API docs.