CoinGate alternative: developer-first stablecoin checkout under 1%

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 chains, a developer-first QuickCheckout API, deterministic reconciliation, and a take rate 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 does.

	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 chains
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: QuickCheckout API, SDK, links	Hosted checkout, plugins, API
Best for	Dev teams building stablecoin checkout	EU merchants wanting many coins + EUR settlement

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 chains

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: QuickCheckout 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 also issues deterministic 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 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 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 focuses on dollar stablecoins (USDC, USDT) plus your own verified ERC-20 across EVM chains, rather than CoinGate's 70+ coins. It is depth over breadth by design.

CoinGate alternative: developer-first stablecoin checkout under 1%

Breadth-and-EUR vs stablecoin-and-developer

Price and reconciliation

When CoinGate is the better fit

Quick answers

Sources

Add non-custodial crypto checkout

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