EukaPay vs CoinGate

CoinGate is one of the most visible crypto payment gateways in Europe.

Its appeal is easy to see: broad cryptocurrency coverage and a clean checkout experience.

That brand recognition is not the same thing as product fit. EukaPay competes with CoinGate on different ground: depth inside the merchant tools rather than breadth across the coin list.

This guide compares the two across invoicing, developer features, settlement, and the operational details that determine which one a business actually wants to integrate.

CoinGate holds both a MiCA authorization and a Payment Institution license in the EU.

It offers ecommerce plugin coverage outside Shopify, which it does not currently support natively.

EukaPay is built for businesses that need finer control over invoicing, more API surface for automation, and instant onboarding.

Where CoinGate optimises for a simple path to acceptance, EukaPay optimises for the operational layer that businesses build on top: granular invoices, customer records, idempotency, multi-fiat settlement, and full mass-payout APIs.

On the surface the products line up. Both support invoicing, hosted checkout, payment links, refunds, mass payouts, internal balance transfers, and crypto-to-fiat conversion.

What differs is how deep each goes inside a given product. CoinGate's invoice and checkout flows are well-built but designed around a single merchant model. EukaPay's are built to handle finance teams, marketplaces, and multi-region operations.

Developer ergonomics is where the gap is widest. EukaPay supports idempotent requests on every POST, customer records with structured metadata, instant account registration for development access, and multi-currency invoicing across USD, EUR, GBP, and CAD.

CoinGate covers the basics: REST API, webhooks, sandbox, customer records. Its idempotency and metadata handling are more limited, and account access requires verification before development can begin. For most production integrations these gaps are workable. For high-volume merchants, integrators, or anyone building a payment platform on top of the gateway, they translate into custom retry logic and additional reconciliation work.

Invoice granularity is the most tangible difference for finance teams and billing operators.

EukaPay supports line items, per-invoice tax rules, discount codes, custom due and issue dates, and configurable redirect URIs after payment. CoinGate covers the basics (line items, due dates, hosted payment URLs) but does not offer discount codes and provides limited tax configuration.

For a merchant running flat-rate billing in a single jurisdiction, that is fine. For a merchant running promotions, charging across regions with different VAT rules, or matching invoice metadata back to an accounting system, the difference shows up immediately.

CoinGate has plugin coverage for major ecommerce platforms, but no native Shopify integration as of 2026. A Shopify merchant integrating CoinGate has to build a custom API integration.

EukaPay offers a Shopify plugin, Xero and QuickBooks integrations, and a WooCommerce plugin, which removes the developer cost for most ecommerce setups.

EukaPay offers a dedicated subscription product that lets merchants charge customers on a recurring schedule through the dashboard and the API.

CoinGate's recurring billing is more constrained, which means SaaS-specific logic often ends up in the merchant's application code. For SaaS, membership platforms, or any business with predictable repeat charges, the difference matters.

Mass payouts, programmatic invoice creation, and webhook reliability dominate the integration cost.

EukaPay's API exposes the full dashboard surface, signs every webhook with HMAC SHA-512, retries failed deliveries on a 20-minute interval for up to two hours, and supports V4 UUID idempotency keys on POST requests.

CoinGate handles webhooks and payouts well but with less explicit retry and idempotency contracts, which means more defensive code on the merchant's side.

Both gateways are easy to use for one-off client billing.

EukaPay's Payment Links can be created in under a minute and sent over any channel. CoinGate's hosted invoice flow is equally simple.

The deciding factor for a single user is usually pricing structure and accounting integration; EukaPay offers Xero and QuickBooks integrations, which CoinGate does not.

The three questions merchants ask before migrating: onboarding time, customer impact, and integration changes.

Existing CoinGate balances should be withdrawn to a wallet or settled to a bank account before the switch. There is no direct gateway-to-gateway transfer for crypto balances, which is true across the industry.

Is EukaPay regulated?

Yes. EukaPay is registered with FINTRAC (M22233887) as a Money Services Business in Canada.

CoinGate operates under MiCA authorization and a Payment Institution license in the EU through regulated partners. Both apply KYC and AML procedures to merchant onboarding.

Does CoinGate support Shopify?

Not natively as of 2026. CoinGate offers plugins for major ecommerce platforms and provides an API for custom integrations.

EukaPay offers a native Shopify integration plus WooCommerce and accounting integrations for Xero and QuickBooks.

What cryptocurrencies does each support?

CoinGate supports a broad range of cryptocurrencies.

EukaPay supports a curated list of major assets (BTC, ETH, LTC, USDC, USDT, SOL, MATIC, and others) and the Bitcoin Lightning Network for fast, low-fee BTC payments.

What are the fees?

CoinGate publishes a single transaction fee with no setup or registration cost.

EukaPay's pricing is customised to each merchant based on volume, use case, and product mix.

Contact sales

for a quote. Both gateways absorb the exchange rate spread at the moment of conversion.

Can I run both gateways at the same time?

Yes. Many merchants run two gateways in parallel during migration, routing different checkout flows to each. Once the EukaPay integration is verified end-to-end in sandbox and against test transactions, production traffic can be switched over.

Create your EukaPay account

and explore the dashboard, or

talk to sales

to scope a specific use case.

Last updated: May 2026. Verify current pricing and feature availability with each provider.