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CRYPT.PE
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CoinGate alternative

The CoinGate alternative that skips the 1% and the custody

CoinGate is a solid EU custodial processor: 1% processing on the standard plan, funds held during settlement, weekly payouts by default, and payout/conversion fees on top. CRYPT.PE takes the opposite approach — 0% per transaction, non-custodial, every payment lands directly in your own wallet the moment it confirms.

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crypt.pe vs CoinGate

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featureCRYPT.PECoinGate
Platform fee 0% — flat plan only 1% processing (standard plan)
Payout fees None — no payout step exists Crypto payouts €0.50 + 0.5% (+1.5% with conversion)
Custody of funds Non-custodial — your wallet Custodial during settlement
Settlement Instant on-chain Weekly by default (SEPA free ≥ €50)
Onboarding 60 seconds, no application Business verification
Coins / chains 19 coins · 13 networks ~11 acceptance coins · 8 networks
Public payment page crypt.pe/yourname — included Hosted checkout only
Orders API + webhooks Yes — Stripe-style Yes
methodology & sources

We build crypt.pe, so read this table as a first-party comparison. CoinGate details are based on public documentation, last verified , and may change — always confirm on the source pages: CoinGate pricing · CoinGate MiCA licence announcement · CoinGate custody model.

When CoinGate is the better fit: EU stores that want a MiCA-authorised processor (CASP LB002323 + payment-institution licence LB002324, Bank of Lithuania, effective Dec 2025) with automatic conversion to EUR and free SEPA settlement to a bank account.

worked example

€10,000/mo store: fiat-bank settlement vs stablecoin settlement

The right choice depends on what you want to end up holding. Two honest scenarios for a store doing €10,000/month in crypto sales:

CoinGate → EUR to your bankCRYPT.PE → stablecoins to your wallet
Processing fee1% = €100/mo€0 (flat plan from $0)
Payout costSEPA free ≥ €50 · crypto payouts €0.50 + 0.5% (+1.5% w/ conversion)None — there is no payout step
When you have the moneyWeekly settlement cycle (standard plan)The moment each payment confirms on-chain
What you holdEUR in a bank accountUSDT/USDC (or the exact coin sent) in your wallet
Volatility riskNone after conversionNone if customers pay in stablecoins; yours to manage otherwise
Regulatory wrapperMiCA CASP + PI licence (Bank of Lithuania)Non-custodial software — compliance stays yours

If your accountant needs EUR in a bank every week, CoinGate's licensed rails genuinely fit better. If you want to keep crypto at 0%, the custody layer is pure cost.

compare all gateways →read: custodial vs non-custodial processors →
why merchants switch

keep your fees, your funds, and your freedom

Keep the 1% and the payout fees

On $100k/yr, CoinGate's 1% is $1,000 before payout and conversion fees. CRYPT.PE is a flat plan from $0 — no per-sale cut, no payout line items.

No settlement cycle

CoinGate holds funds and settles weekly by default. On CRYPT.PE there's nothing to settle — the payer's transaction lands directly in your wallet, final in minutes.

Not gated to a region

CoinGate is built around EU rails like SEPA. CRYPT.PE is non-custodial software — available wherever direct wallet-to-wallet payments are permitted.

questions merchants ask

CoinGate vs crypt.pe,
answered straight.

the exact questions merchants type into search — answered without the marketing fog.

CoinGate's standard plan charges 1% processing, plus payout fees (crypto payouts €0.50 + 0.5%, +1.5% if conversion is needed) per its published pricing. CRYPT.PE charges 0% per transaction on every plan with no payout fees at all — pricing is a flat subscription with a free tier.

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