Comparison

Qvard vs CoinGate: what to choose for accepting crypto payments

TL;DR: Both are custodial hosted gateways with a similar ~1% base fee. CoinGate's edge is a direct EUR bank/SEPA payout and a wider spread of altcoins and CMS plugins; Qvard's edge is a stablecoin-first, multi-network USDT setup with a simpler merchant flow. Neither is objectively "better" — the right pick depends on whether you need EUR settlement or broad coin coverage.

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Feature by feature

Qvard vs CoinGate

QvardCoinGate

Processing fee~1% (0.8%/0.65% at higher volume, per pricing page)1% flat on the Standard plan, no monthly fee

Custodial modelCustodial: Qvard tracks a merchant balance per asset until withdrawalCustodial: funds held in segregated wallets until payout

KYC for merchantsNot requiredRequired — CoinGate business accounts go through a KYC/KYB process

Coins & networksUSDT (TRC20, ERC20, BEP20), BTC, LTC, ETH, BNB, TRXBTC, LTC, ETH, XRP, TRX, DOGE, BNB, POL, SOL, BCH, SHIB, USDC (7 networks), EURC

Hosted checkoutYes — customer picks asset/network on the payment pageYes — checkout link with asset/network selection

Payment linksNo — created via API, customer gets a hosted checkout linkYes, plus a no-code dashboard setup

API & webhooksYes — create payment, get paymentUrl, receive final-status webhook with retryYes — REST API (OpenAPI 3.1) with a payment-callback webhook

PluginsNo ready-made plugins yet — REST API integrationWooCommerce, Magento 2, PrestaShop, OpenCart, WHMCS, Wix

WithdrawalsManual and automatic withdrawals from the merchant balanceCrypto payout, free SEPA payout to EUR bank account, SWIFT payout

SupportTelegram botEmail/ticket support and a help center

Fees land in the same range

Qvard's standard processing rate is about 1% and drops to 0.8% and 0.65% at higher monthly volume (see the pricing page). CoinGate's Standard plan is also a flat 1% with no monthly or setup fee, and it publishes separate — comparable — rates for crypto payouts, conversions and SWIFT withdrawals. At typical merchant volumes the processing cost is close enough that fees alone rarely decide between the two.

Fiat settlement is CoinGate's clearest edge

CoinGate can pay a merchant out directly to a EUR bank account over free SEPA, or SWIFT for other currencies — useful for a business that wants crypto in, fiat out, with no separate off-ramp step. Qvard's current landing content describes merchant balances and manual/automatic withdrawals, but does not publish a direct-to-bank fiat payout flow, so a merchant that specifically needs EUR settlement should weigh that.

Coin breadth vs. stablecoin focus

CoinGate lists a broader spread of assets — BTC, several altcoins (XRP, DOGE, SOL, BCH, SHIB), USDC across seven networks and EURC. Qvard is built around USDT across three networks (TRC20, ERC20, BEP20) plus BTC, LTC, ETH, BNB and TRX — a narrower, stablecoin-first set aimed at merchants whose customers mostly pay in USDT.

Plugins and integration

Both offer a documented REST API with webhooks. On ready-made plugins, CoinGate currently lists several platforms (WooCommerce, Magento 2, PrestaShop, OpenCart, WHMCS, Wix); Qvard doesn't have ready-made plugins yet — every integration goes through its REST API and hosted checkout.

When CoinGate is the better choice

Pick CoinGate if you need payouts settled directly to a EUR bank account, want the widest published coin/altcoin selection, or your stack already has a ready-made CoinGate plugin for Magento, PrestaShop, OpenCart, WHMCS or Wix.

When Qvard is the better choice

Pick Qvard if most of your customers pay in USDT and you want a simple, stablecoin-first checkout across TRON, Ethereum and BNB Smart Chain, plus a Telegram-based support channel alongside the standard lead form.

FAQ

Is CoinGate custodial like Qvard?

Yes. Both CoinGate and Qvard are custodial: they hold a merchant balance until the merchant requests a payout or withdrawal, rather than routing funds straight to the merchant's own wallet on each transaction.

Does Qvard support EUR bank payouts like CoinGate?

Qvard's current landing content describes manual and automatic withdrawals from a per-asset merchant balance, but does not publish a direct EUR/SEPA bank payout like CoinGate's. If EUR settlement is a hard requirement, confirm the exact payout flow with the Qvard team before committing.

Which one has lower fees?

Both sit around 1% on standard volume, with CoinGate's Standard plan at a flat 1% and Qvard stepping down to 0.8% and 0.65% at higher monthly volume. Compare against your own expected volume rather than a single headline number.

Does CoinGate require KYC?

Yes — CoinGate business accounts go through a KYC/KYB process (business documents, identity verification for owners with 25%+ stake) per its own merchant verification FAQ.

Can I use payment links with both?

CoinGate offers shareable, no-code payment links alongside its API. Qvard doesn't — a Qvard payment is created through the API, and the customer is then sent to a hosted checkout page; there's no separate no-code payment-link feature.

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Data on CoinGate verified 2026-09-17 from official sources. Fees, features and policies can change after this check — confirm current details directly with the provider before deciding.

Sources checked: https://coingate.com/pricing · https://coingate.com/accept · https://coingate.com/plugins · https://coingate.com/policy/crypto-custody-policy-summary · https://coingate.com/blog/post/verify-merchant-account-faq · https://developer.coingate.com/reference/api-overview · https://developer.coingate.com/reference/payment-callback · https://coingate.com/contact-us