CoinGate and InfraIO Pay are both real payment gateways, so a CoinGate alternative is a question of focus and price rather than legitimacy. CoinGate is a MiCA-licensed, EUR-oriented processor supporting 70+ coins at a flat 1%, with optional fiat settlement over SEPA. InfraIO Pay narrows the surface on purpose: USDC, USDT and your own ERC-20 on EVM networks, a developer-first checkout API, exact reconciliation, and a platform fee that falls to a 0.3% floor with volume. If you want breadth and EUR bank settlement, CoinGate fits; if you want stablecoin depth, developer control and a lower rate, InfraIO Pay does.
Bottom line
Choose InfraIO Pay if you are stablecoin-focused and want a developer-first API at a rate that falls to 0.3%; choose CoinGate if you want 70+ coins with EUR/SEPA fiat settlement and EU licensing front and centre.
InfraIO Pay
CoinGate
Fee
From 0.3%, drops automatically with volume
Flat 1% per transaction
Focus
Stablecoins (USDC/USDT) + your ERC-20 on EVM
Breadth: 70+ coins across many networks
Custody
Non-custodial. Settles on-chain to your wallet
Custodial or non-custodial (crypto or EUR settlement)
Fiat settlement
None by design, you hold stablecoins directly
EUR / USD to bank via SEPA after conversion
Integration
Developer-first: checkout API, SDK, links
Hosted checkout, plugins, API
Best for
Dev teams building stablecoin checkout
EU merchants wanting many coins + EUR settlement
Breadth-and-EUR vs stablecoin-and-developer
CoinGate is a mature, licensed gateway that supports 70+ cryptocurrencies and can settle in EUR over SEPA after conversion, which is a genuine advantage for European merchants who want local-currency bank settlement. It also offers both custodial fiat settlement and non-custodial crypto settlement, so custody is configurable rather than fixed.
InfraIO Pay deliberately does less to do it deeper. It is stablecoin-first: USDC, USDT and your own ERC-20, always non-custodial, with a developer-first API rather than a plugin-first checkout. If your revenue is dollar-stablecoin and your integration is code, that focus is the point.
Price and reconciliation
CoinGate's published pricing is a flat 1% per transaction with no monthly or setup fee. InfraIO Pay starts free and falls to a 0.3% floor as volume grows, so at scale the stablecoin rate is materially lower. InfraIO Pay also issues per-order deposit addresses, so on-chain reconciliation is exact without a separate lookup. See pricing and the developer docs.
When CoinGate is the better fit
If you need EUR settled to a European bank account, want the widest coin selection, or specifically value EU MiCA licensing as a procurement signal, CoinGate is built for that. If you are stablecoin-focused, want to hold USDC/USDT in your own wallet, and want an API-first integration at a lower rate, InfraIO Pay is the closer match.
Quick answers
Is InfraIO Pay cheaper than CoinGate?
For stablecoin volume, usually. CoinGate charges a flat 1%; InfraIO Pay starts free and falls to a 0.3% floor with volume, with no fixed per-transaction fee. Compare against your own mix and volume.
Does InfraIO Pay settle to a bank in EUR like CoinGate?
No. InfraIO Pay is stablecoin-native and non-custodial: you receive USDC or USDT on-chain and off-ramp yourself if and when you want. CoinGate can convert and settle EUR to a bank over SEPA.
How many coins does InfraIO Pay support?
InfraIO Pay focuses on dollar stablecoins (USDC, USDT) plus your own verified ERC-20 across EVM networks, rather than CoinGate's 70+ coins. It is depth over breadth by design.
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