CoinPayments Crypto Payment Gateway Review: Secure and Scalable Solution for 2026

In an era of rapid digitalisation and growing popularity of cryptocurrencies, businesses increasingly need a reliable and convenient solution for accepting payments in digital assets. One of the leading players in this market is the CoinPayments payment gateway, a platform designed specifically for businesses and merchants who want to integrate cryptocurrency payments into their operations. The relevance of such a tool cannot be overstated: global interest in cryptocurrencies continues to grow, and their market value shows steady dynamics. However, simply accepting cryptocurrency is not enough to run a successful business - it is important to ensure its secure storage and minimise transaction costs. This is where CoinPayments comes in, combining the functions of a payment gateway and a digital wallet. In this CoinPayments review, we will take a detailed look at why this solution can be considered a secure and scalable tool for business in 2026. We will analyse: key features of the platform; advantages and possible limitations; pricing structure; ease of use; quality of customer support. CoinPayments stands out from its competitors thanks to its support for a wide range of cryptocurrencies, intuitive interface, flexible integration options, and reduced transaction fees.

What is CoinPayments

CoinPayments is a comprehensive cryptocurrency platform that combines the functions of a payment gateway and a multi-currency wallet. Founded in 2013 in Vancouver, it has become one of the market leaders, serving over 70,000 merchants in 200+ countries and processing over $50 billion in transactions.

Extensive cryptocurrency support

The platform works with more than 40 digital assets, including Bitcoin (BTC),
Ethereum (ETH), Litecoin (LTC) and other popular coins. This makes it a universal solution for users with diverse portfolios.

E-commerce integration

CoinPayments easily integrates with leading platforms: Shopify; WooCommerce; Magento; OpenCart; PrestaShop. Plugins, APIs, POS interfaces and payment buttons are available.

Innovative security

• MPC infrastructure – private keys are not stored in one place, but are distributed among nodes.
• Two-factor authentication (2FA) to protect accounts.
• Blockchain analysis system – real-time detection of suspicious transactions (98% accuracy).
• User-friendly PayByName – payments using unique names instead of long wallet addresses.
• Automatic currency conversion.
• Mobile app for Android and iOS.
• Fiat payments for customers from the US and UK.

Advantages of CoinPayments

Key advantages: Transaction speed: instant confirmations thanks to the GAP600 mechanism with the ability to compensate for exchange rate differences from the moment the transfer is initiated until it is confirmed. Ease of use: intuitive interface even for beginners. International payments: support for cross-border transactions without geographical restrictions. Cost reduction: the ability to combine transactions from multiple addresses while paying only one commission, rather than one for each. Flexible integration: solutions for online stores, POS terminals, and Telegram bots. CoinPayments is a powerful solution for businesses and individuals who need fast and inexpensive cryptocurrency payments, support for a large number of digital assets, reliable protection of funds, and easy integration with existing systems. For companies focused on the international market, the platform remains one of the most balanced options in 2026.

How CoinPayments works

CoinPayments provides instant transactions, multi-level security, and savings on commissions, allowing companies to integrate crypto payments without technical difficulties. The key advantage is a hybrid processing mechanism: some operations are performed outside the blockchain (through the mempool system and MPC nodes), which speeds up confirmation to seconds. At the same time, complete transparency and protection of funds are maintained.

How does CoinPayments work

1. Selecting a payment method. The customer selects payment by cryptocurrency or card on the merchant's website.
2. Generating payment data. The system creates a unique wallet address or link (optionally using PayByName for simplicity).
3. Authorisation via MPC. The transaction is confirmed by a group of independent nodes without revealing the full keys (multi-party computation technology).
4. Risk analysis. The built-in system scans the transaction in real time, blocking suspicious operations (e.g. those related to the darknet).
5. Funds crediting. Funds are credited to the seller's account instantly (without waiting for confirmation in the blockchain).
6. Conversion (if necessary). Cryptocurrency is automatically converted to fiat or another digital currency of the user's choice.

The main services for businesses are presented in the table

Suitable for the following businesses

• E-commerce. Accept cross-border payments without currency commissions and bank transfer delays.
• Luxury segment. Secure payments for expensive goods with minimal personal data leakage.
• Forex and trading. Fast deposits/withdrawals in cryptocurrency, unique addresses for each customer.
• Subscription services. Automated regular payments via API.
• Online communities. Monetisation of Telegram groups via a payment bot.
• Startups and ICOs. Accepting investments in cryptocurrency with support for new project tokens.

Which cryptocurrencies does CoinPayments support?

Pay with CoinPayments using the most popular cryptocurrencies. The provider supports payments in 40+ coins. Among the most popular are Bitcoin, Ethereum, Ripple, Litecoin, Dogecoin, USDT, and USDC. CoinPayments ensures that all major currencies are included in the list of accepted currencies, providing broad compatibility and convenience for merchants. During the setup process, CoinPayments provides merchants with a setup wizard that allows them to specify the currencies they want to accept.

Service fees

CoinPayments fees are fixed at 0.75% or 1%, depending on the selected cryptocurrency. For all stablecoins, the fee is set at 1%. These are the fees that merchants pay for accepting cryptocurrency. Entrepreneurs do not pay additional fees for withdrawing funds, but only pay the gas fee. CoinPayments uses the practice of adding addresses for withdrawal. An additional fee equal to 2 gas fees is charged for the first transfer. When converting tokens to cryptocurrency or back, a fee of 1.5% is charged; if the conversion takes place within stable coins, the commission is 1%. The documents do not specify the commission for conversion to fiat, so it may vary for each customer. In general, the CoinPayments commission structure looks like this: Network and gas commission, but the provider may add a mark-up to the base value; Transaction fee – provider's fees for providing the service, usually no more than 1.5% of the amount; Partner fees – provider's partner commission, for example, when converting. Note: commission fees are not the same for all cryptocurrencies. You should take this into account when choosing a payment gateway.

How to connect CoinPayments to your business

Connecting CoinPayments to your business starts with creating an account. To do this, you need to enter your email address, password, and agree to the provider's terms of service. Next, you need to confirm your email address and enable two-factor authentication. CoinPayments allows you to grant access to your profile to several people. Registered customers get access to a ‘sandbox’ where they can try out different types of transactions and integrations. To unlock all features, you need to pass verification. The list of documents required for verification depends on the type of account and the field of business. Verified customers get access to their personal account, where they can set the time and currency for displaying their balance, configure payment types and other parameters. The configured account can be integrated into your website via: custom APIs; invoicing; payment buttons; ready-made plugins for e-commerce. After that, the customer can use additional features: asset recovery, automatic debits, secure storage, transaction history, and webhook history. CoinPayments provides a set of adaptive integration solutions that can be easily tailored to the specifics of any commercial project - from retail sales to service platforms and other scenarios for accepting digital assets. The platform offers two key formats for implementing payment infrastructure: Standard. A ready-made, out-of-the-box payment solution optimised for quick launch. No complex configuration is required - just connect the necessary components: payment buttons for instant acceptance of funds, API-generated invoices, plugins for popular e-commerce systems, and an invoicing module. Ideal for entrepreneurs who need to quickly start accepting crypto payments without extensive customisation. Personalised branded. An advanced solution via the CoinPayments API that gives you complete control over the user experience. It allows you to implement your corporate style in the payment interface, adapt the order placement stages to your brand's UX/UI, integrate your company's logo and colour schemes, and configure the logic of customer interaction in accordance with your brand guidelines. Ideal for businesses seeking to maintain visual consistency and enhance brand recognition at all stages of customer interaction.

How to contact CoinPayments support

The main way to contact us is to submit a request for consultation. To communicate, you need to provide your email address and a detailed request.

Alternatives to CoinPayments

When choosing a payment gateway for cryptocurrencies, many people first look into CoinPayments, a proven solution with a long history. The reliability of CoinPayments has been confirmed by years of operation: the platform has been functioning since 2013, and offers a wide range of integrations for online stores. However, a number of business tasks require a more focused, flexible and cost-effective solution. As an alternative to CoinPayments, 0xProcessing stands out as a cloud-based payment gateway that combines the convenience of online acquiring with the capabilities of blockchain infrastructure.

How 0xProcessing differs from CoinPayments

Protection against volatility. The built-in VRCS system automatically converts incoming cryptocurrency into USDT stablecoin, maintaining revenue stability. With CoinPayments, funds remain in the original cryptocurrency unless otherwise specified. Simplicity and speed. Integration takes one business day; Transaction confirmations are almost instantaneous. Competitive pricing. No subscription fees or connection charges - only a transaction processing fee. Global reach. Support for 180+ countries and 65+ cryptocurrencies across 16 networks gives customers a wide range of payment options.

Key features of 0xProcessing

Payment forms with or without a fixed amount, Web3 payments with one-click transactions via a crypto wallet, automatic debits at specified intervals (daily/weekly/monthly). 0xProcessing is ideal for: online stores that want to protect their profits from exchange rate fluctuations; SaaS services with a subscription model; gaming platforms with an international audience; marketplaces and freelance platforms that work with cross-border payments.

Want to try an alternative to CoinPayments?

Connect 0xProcessing today - accept your first crypto payments in one day, protect your revenue from volatility, and withdraw funds in fiat or stablecoins.

Conclusion

CoinPayments remains one of the leading payment gateways for cryptocurrency transactions in 2026. The platform combines security (MPC infrastructure, 2FA), speed (instant confirmations via mempool) and flexibility (40+ cryptocurrencies, e-commerce integration). For international businesses, it offers an optimal balance of functionality and cost: fixed fees (0.75–1%), batch payments, and corporate finance management tools. Although there are alternatives, such as 0xProcessing with volatility protection, CoinPayments maintains its position thanks to its proven reputation, scalability and convenience for merchants of all sizes.

Frequently asked questions