Comparison
Payzum vs CoinGate
In short: CoinGate is a hosted crypto payment gateway based in Lithuania and authorized under the EU's MiCA rules. Payments land in a CoinGate balance that you can settle in EUR, USD or GBP to a bank. Payzum is non-custodial and crypto-only, so each payment settles on-chain to a wallet you control.
Checked on October 21, 2026. Prices and features change, so confirm on each provider's site before you decide.
Payzum and CoinGate side by side
| Feature | Payzum | CoinGate |
|---|---|---|
| Fee per payment | 0.5% per processed sale, deducted from the amount received, plus network gas. | 1% per transaction on the Standard plan, with no monthly or setup fee. Enterprise accounts get custom, volume-based rates (pricing page, October 2026). [1] |
| Other fees | Auto-conversion, mass payouts and x402 are quoted on request. | 1% on manual conversions. Crypto payouts cost 0.50 EUR plus 0.5%, or 0.50 EUR plus 1.5% with conversion. SEPA and crypto withdrawals are free (50 EUR minimum). SWIFT costs 0.5%. [1] |
| Who holds the funds | Non-custodial: each payment settles on-chain straight to the merchant's own wallet. | Custodial. Payments are credited to a CoinGate account balance held by UAB Decentralized in Lithuania. You then withdraw to your own crypto wallet or bank account. [3] |
| Payout to a bank account | No. Payzum is crypto-only; you can auto-convert to USDC or USDT. | Yes, in EUR, USD or GBP. EUR goes out over SEPA or SWIFT, USD and GBP over SWIFT. Automatic settlements run weekly on the Standard plan. [4] |
| USDC and USDT | Yes, on Ethereum, Solana, Polygon, Base, Arbitrum, Optimism, BNB Chain and Avalanche. | USDC on Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Base and Optimism, plus EURC on Ethereum. USDT is not on its list of accepted currencies (October 2026). [5] |
| Store plugins and API | 29 open-source integrations (WooCommerce, Shopify, Magento, WHMCS and more), SDKs, REST API, signed webhooks. | Official plugins for WooCommerce, Magento 2, PrestaShop, OpenCart, WHMCS and Wix. A REST API with a sandbox and payment callbacks covers custom builds. [6] |
| In-person point of sale | Yes: a fresh QR per sale, any phone as a terminal, PIN cashiers. | A web PoS that runs in the browser of any device with an internet connection. You request access from the dashboard by opening a support ticket. [7] |
| Mass payouts | Yes: CSV payouts in BTC, LTC and DOGE, and stablecoin payouts on EVM networks. | Yes. Dashboard payouts, payout links claimed by email, CSV batch uploads and an API, in assets such as BTC, ETH, LTC, SOL, USDC and EURC. [9] |
| AI agents (x402) | Yes: x402 proxy in front of your API, settled through an external facilitator. | Not stated publicly. CoinGate's API docs do not mention x402 or AI-agent payments (checked October 2026). |
| Account verification | Sign up, then complete the account verification that applies. | Business accounts pass KYB before live payments: registration document, articles of association, proof of address, ownership structure, six months of bank statements and a live ID check. [11] |
| Hosted or self-hosted | Hosted service. | Hosted service operated by CoinGate from Lithuania. You connect through its hosted checkout, plugins or API. [2] |
When CoinGate is the better choice
- You want EUR, USD or GBP paid into a bank account, with free SEPA withdrawals for euros.
- You prefer an EU provider authorized under MiCA that handles conversion and compliance for you.
- You need Bitcoin over Lightning or coins such as XRP, TRX or BCH at checkout.
When Payzum is the better choice
- Every payment settles on-chain straight to a wallet you control. Payzum never holds, pools or controls the funds.
- The fee is 0.5% per sale plus network gas, deducted from what you receive.
- You can put Payzum's x402 middleware in front of an existing API so AI agents pay per call in USDC on Base.
Questions about switching
Which is cheaper, CoinGate or Payzum?
CoinGate's Standard plan charges 1% per transaction (October 2026), with separate fees for manual conversions, payouts and SWIFT withdrawals. Payzum charges 0.5% per sale plus network gas, deducted from the amount received.
Can I get paid in euros to my bank account?
With CoinGate, yes. It settles in EUR, USD or GBP, and SEPA withdrawals in euros are free from 50 EUR. Payzum settles in crypto only, with optional auto-conversion to USDC or USDT, and has no bank payouts.
Who holds my money after a customer pays?
CoinGate credits the payment to your CoinGate balance, and you withdraw it later to a wallet or bank. With Payzum, each payment settles on-chain straight to a wallet you control, and Payzum never holds the funds.
Sources
- https://coingate.com/pricing
- https://coingate.com/
- https://coingate.com/policy/merchant-terms-of-services
- https://coingate.com/blog/post/crypto-payment-settlement-currency
- https://coingate.com/supported-currencies
- https://coingate.com/plugins
- https://coingate.com/solutions/business
- https://coingate.com/blog/post/how-to-customize-merchants-invoice-guide
- https://coingate.com/crypto-payouts
- https://developer.coingate.com/
- https://coingate.com/blog/post/crypto-payment-gateway-without-kyc
More comparisons and guides: All comparisons · Payzum pricing.
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