CoinGate vs BitPay
Last updated September 2026
Looking for a European alternative to BitPay? Here's how CoinGate compares, on EU hosting, GDPR and what it does.
Our pick for a European buyer: CoinGate. We weight data residency, GDPR and EU jurisdiction above everything else — that is the constraint this directory exists to solve.
What it is
EU-regulated crypto payment gateway for merchants
not established
Headquarters
🇱🇹 LT
No
EU data residency
not established
not established
DSGVO / GDPR
Yes
not established
Certifications
No
not established
Price from
No
not established
Free plan
No
not established
Open Source
No
not established
Integrations
WooCommerce, Wix, Magento 2, PrestaShop, OpenCart +6
not established
We have not yet completed our own research on BitPay; rows above show only what we can evidence. Check the vendor for specifics.
Where each one wins
CoinGate
Strengths
- +Intuitive dashboard and straightforward setup with smooth e-commerce plugin and API integration
- +Supports payments across dozens of cryptocurrencies and stablecoins
- +Real-time conversion and settlement into fiat (EUR, USD) or stablecoins to mitigate volatility
- +Built-in underpayment protection tools to improve checkout conversion rates
- +Transparent ~1% transaction fee model with no monthly subscription costs
Limitations
- −Strict KYC and corporate verification process causing onboarding delays
- −Support bottlenecks during payment holds or manual refund interventions
- −Basic reporting features and limited accounting export depth
BitPay
Review sentiment not yet compiled.
Data residency & compliance
CoinGate
BitPay
EU data residency
not established
not established
Transfer mechanism
not established
not established
Certifications
No
No
Pricing
CoinGate
- Standard 1% per transaction per transactionNo monthly fees · No setup fees · Accept 10+ cryptocurrencies
- Enterprise Custom rates (volume-based) customAll Standard features · Priority processing · On-demand automatic settlements
Free sandbox testing environment available. No traditional free trial.
BitPay
No published pricing we could verify.
Features
CoinGate
- Payment Acceptance & Checkout
- Hosted & embedded checkout for 10+ cryptocurrencies (BTC, ETH, LTC, TRX, USDC) and Layer 2 networks (Base, Arbitrum, Solana, Polygon, TRON, BSC), Dedicated, non-expiring deposit addresses for recurring payments, Binance Pay integration for direct payments from Binance account balances, Underpaid order cover with configurable slippage (up to 10%)
- Billing & Invoicing
- One-off and recurring crypto invoices with customizable payment links
- Payouts & Transfers
- Mass payouts via manual entry, CSV upload, or API (Send API), Automatic crypto-to-crypto conversion at point of transfer
- Treasury & Balance Management
- Multi-currency digital asset custody (crypto and fiat), Instant settlement into EUR, stablecoins, or other crypto assets, In-platform swapping, crypto withdrawals, and SEPA/bank withdrawals in EUR
- Operations & Developer Tools
- Dashboard and API-based merchant refunds with automatic currency conversion, Granular user and role management for business accounts and API keys, RESTful API, OpenAPI specs, SDKs (PHP, Ruby), and Sandbox test environment
BitPay
Feature breakdown not yet compiled.