A merchant choosing a crypto payment gateway is usually choosing between two things:

the breadth of features they can use today, and the depth of automation they will need tomorrow.

EukaPay and Confirmo both let businesses accept stablecoins and crypto and settle in fiat.

The differences are in how granular the invoicing gets, what the API exposes, and how quickly a new merchant can move from sign-up to first transaction.

This guide compares EukaPay and Confirmo across the features that matter for businesses processing crypto in 2026.

If you are weighing the two, the tables below summarise the differences, and the sections after explain when each one actually fits.

Confirmo is a crypto payment gateway authorized under the EU's MiCA framework via the Central Bank of Ireland.

It is an established choice for European merchants accepting BTC, ETH, USDC, USDT and other major assets.

EukaPay is built for businesses that want more control inside a single platform: granular invoice fields (line items, tax rules, discount codes), recurring billing, customer records, idempotent API requests, and instant account registration.

Both products do the basics; the difference shows up once a business needs to scale invoicing, automate billing, or integrate crypto into existing systems.

EukaPay prices each merchant on volume, use case and product mix, agreed with the EukaPay team during onboarding.

Both gateways cover the core merchant tools: invoices, payment links, hosted checkout, refunds, payouts, and balance transfers.

Confirmo's recurring billing is more limited than EukaPay's full subscriptions product, which matters for SaaS, membership sites, and any business with repeat customers.

On the API side, the two diverge more visibly. EukaPay supports idempotent requests (using a unique key on retries to prevent duplicate invoices), structured customer records, and metadata fields on every transaction.

These are not edge cases. They are the features a developer needs once a payment system has to survive network failures, reconcile against an existing CRM, or carry order context through to settlement.

EukaPay also lets a business register and start exploring the dashboard instantly. Account verification is required before processing live transactions (as it is on any regulated platform), but developers can issue test keys and build against the sandbox immediately. Confirmo's onboarding requires verification before any account use.

Invoicing is where the differences are most tangible for a finance team or a billing operator.

EukaPay supports multi-line invoices with per-item tax rules, discount codes applied at the invoice level, custom due and issue dates, and a configurable redirect URI that lets the merchant control the post-payment experience.

Confirmo handles the basics (line items, due dates, hosted payment URLs) but does not offer discount codes and provides only limited tax rule configuration.

For merchants doing simple flat-fee billing in a single tax jurisdiction, that is fine. For multi-region businesses, marketplaces, or any merchant running promotions, the EukaPay invoice model removes manual work.

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

Confirmo'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.

Both will work. The deciding factor is invoice granularity and developer ergonomics: discount codes, per-line tax, idempotent retries on order webhooks, and metadata that travels with the transaction.

EukaPay covers all four. Confirmo covers the first one in limited form.

If the use case is one-off client billing in BTC, ETH, or stablecoins, either gateway works.

EukaPay's Payment Links and Invoices both take under a minute to create and remove the friction of explaining wallet addresses to clients.

Volume changes the calculation. Mass payouts, programmatic invoice creation, and webhook reliability become the things that determine whether the integration scales.

EukaPay's API exposes the full surface of the dashboard, signs every webhook with an HMAC SHA-512 signature, retries failed deliveries for two hours, and supports idempotency keys on every POST.

These are not features merchants ask about until they are operating live and a network failure produces a duplicate invoice. They are the features that matter once volume is real.

Merchants migrating between gateways usually want to know three things: how long onboarding takes, what changes on the customer experience, and what their existing integrations need to do differently.

Existing crypto balances on Confirmo can be withdrawn to a wallet and used to fund the EukaPay account, or settled to a bank account before the switch. There is no direct balance-transfer mechanism between gateways; that is true industry-wide.

Is EukaPay regulated?

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

Confirmo Limited is authorized under MiCA by the Central Bank of Ireland and operates across the EU. Both gateways apply KYC and AML procedures to merchant onboarding.

What cryptocurrencies does each support?

Both support BTC, ETH, LTC, USDC, USDT, and SOL across major networks.

EukaPay also supports payments on the Lightning Network for fast, low-fee Bitcoin transactions, and settles to your bank in USD, EUR, GBP, or CAD.

How does fiat settlement work?

Both gateways convert incoming crypto to fiat at the moment of transaction at a locked exchange rate, which removes volatility risk.

EukaPay settles to bank accounts in USD, EUR, GBP, and CAD. Confirmo settles in EUR and other supported fiat currencies through SEPA and similar rails.

Does either offer subscriptions or recurring billing?

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

Confirmo's recurring billing is more limited. For SaaS, membership, or any business with predictable repeat charges, the EukaPay subscription product is a meaningful differentiator.

Can I run both gateways at the same time?

Yes. Many merchants run two gateways in parallel during a migration window, with different checkout flows routed to each.

Once the EukaPay integration is verified end-to-end against test transactions, the merchant can switch their production traffic.

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.