Most crypto payment gateways provide an API and a generic invoice page, leaving merchants to build the rest. Paygatex takes a more configurable approach: one payment engine can support different business scenarios, including iGaming deposits, digital goods, creator donations and premium content.
This article covers Paygatex's current product, pricing, use cases, roadmap and position among established crypto payment providers.
Key takeaways
- Business-specific payment scenarios. One payment engine can be configured for different business models instead of building every checkout from scratch.
- Available today: API, checkout widget, SDK, webhooks and 350+ coins and tokens across multiple networks.
- Fees from 1% to 0.2%. The rate depends on monthly volume. Fees apply to successfully paid invoices, with AML screening included.
- Target businesses: iGaming, crypto, digital goods and other cross-border businesses, subject to risk and compliance requirements.
- Roadmap: payouts, recurring billing, payment links, split settlements, merchant tools and broader payment infrastructure.
Why accepting crypto is more complicated than it looks
Blockchain transactions are only part of the payment process. Merchants also need payment detection, confirmations, wallet infrastructure, compliance and a suitable checkout experience.
Common challenges include:
- Transaction screening: identifying funds associated with sanctions, theft or other high-risk activity.
- Compliance: AML and verification requirements vary by business, jurisdiction and risk.
- Operations: reconciliation and settlement require additional infrastructure.
- Volatility: asset values can change between payment and settlement.
- Multiple networks: supporting different assets and networks adds technical complexity.
A generic crypto invoice may handle the payment itself, but an iGaming deposit, digital product purchase and creator donation require different customer flows. Building them separately can add development time.
What is Paygatex?
Paygatex is a crypto payment gateway and infrastructure provider for online businesses, focused on cross-border and higher-risk sectors.
Its approach is to provide a configurable payment engine rather than only a raw API. Merchants can use preconfigured checkout scenarios or integrate through the API and SDK.
The core advantage: configurable payment scenarios
Paygatex checkouts use the same basic flow:
network selection → invoice → payment detection → blockchain confirmation → success
The checkout can be configured by:
Amount: fixed, open or both.
Branding: title, language, theme and accent colour.
Format: modal, split-screen or full-page.
Context: deposit, purchase, donation, content access or other payment scenarios.
This lets the same infrastructure support different business use cases without creating a separate payment system for each one.
Payment scenarios
iGaming and gaming deposits
Paygatex can be configured for betting and gaming deposits with predefined or open amounts and webhook-based payment notifications.
Digital goods and e-commerce
The checkout supports fixed-price digital products such as vouchers, game keys, top-ups and other digital goods.
Creator donations
Creators, bloggers and media businesses can use open-amount payments, preset donation amounts and embedded checkout elements.
Premium content
A one-time payment can trigger a webhook that unlocks an article, guide, video or other digital content.
Subscriptions
Recurring payments are part of the product roadmap and are being developed on the same infrastructure.
These scenarios are designed to reduce custom checkout development. Businesses with engineering teams can still use the API and SDK for customised integrations.
What's live today
API provides direct backend integration and control over the payment flow.
Checkout widget provides branded checkout in modal, split-screen or full-page formats.
SDK provides components for web and mobile integrations.
Webhooks provide payment status notifications without constant API polling.
350+ coins and tokens are supported across multiple networks, including TRC-20, ERC-20 and BEP-20. Supported assets include USDT, USDC, BTC, ETH, TRX, BNB and others.
AML screening is included in the processing rate.
Paygatex fees: from 1% down to 0.2%
Paygatex charges 1% to 0.2%, depending on monthly volume.
The pricing model includes:
- fees on successfully paid invoices;
- AML screening included;
- one scheduled settlement per day;
- network fees passed through at cost;
- conversion-related costs shown separately.
Final terms can depend on merchant volume, business model and risk profile.
Businesses Paygatex is designed for
iGaming and betting can use crypto payment infrastructure for deposits and, as payout functionality develops, outbound payments.
Digital goods businesses can use fixed-price branded checkout for keys, vouchers, top-ups and similar products.
Creators and media businesses can accept donations or payments for premium content.
SaaS companies can use crypto invoicing, with usage-based billing planned for a later stage.
Fintech companies can integrate through the API or SDK, with white-label infrastructure planned for the future.
Marketplaces are a planned use case, particularly around split settlements.
Paygatex applies risk-based verification and maintains prohibited business categories. KYC/KYB requirements depend on the merchant, activity, jurisdiction and applicable compliance requirements.
Paygatex vs. other crypto payment providers
Pricing and product terms change frequently, and enterprise pricing is often negotiated individually. Competitor figures should therefore be treated as a snapshot rather than permanent prices.
CoinsPaid primarily targets larger merchants and enterprise customers. Publicly available information and third-party reviews commonly place processing costs around 0.5–1.5%, depending on volume and conditions.
NOWPayments lists 0.5% for single-currency transactions and 1% when conversion is involved. It provides invoices, widgets, plugins and API integration.
CoinPayments focuses on e-commerce and provides checkout tools, plugins and API integrations. Public pricing is generally around 0.5–1%, depending on the service.
Cryptomus provides invoices, payment links and API integration, with pricing varying by merchant and transaction conditions.
BitPay focuses on hosted crypto payments and settlement. Standard pricing has historically been around 2% plus a fixed fee, although commercial terms vary.
The headline processing rate is only one factor. Merchants should also compare conversion, withdrawal and network fees, supported assets, settlement options, compliance requirements and development effort.
Where Paygatex is heading
Paygatex is expanding from crypto payment acceptance toward a broader payment infrastructure layer:
accept → route → settle → treasury
In progress
- Payment button
- Payouts
- Split settlements
- Recurring billing
- Additional wallet and AML functionality
Planned
- Payment links
- Merchant dashboard
- Stablecoin or fiat settlement options
- Sandbox environment
Longer-term direction
The roadmap includes usage-based crypto billing, routing across liquidity and payment providers, white-label infrastructure and controls for AI agents operating within predefined payment limits and approval rules.
These are roadmap items, not current product capabilities.
How to choose a crypto payment gateway
Before integrating a provider, look beyond the headline fee.
Ask:
- Does the checkout fit your business model?
- What is the all-in cost, including conversion, withdrawal, payout and network fees?
- Are unpaid or expired invoices charged?
- Is AML screening included?
- What triggers KYC/KYB?
- Is your business model supported?
- Which coins and networks are available?
- Can the provider handle payouts?
- How much development is required before launch?
For iGaming, marketplaces and affiliate platforms, payout functionality can be as important as accepting payments.
FAQ
What is Paygatex?
Paygatex is a crypto payment gateway providing configurable payment scenarios together with an API, SDK, checkout widget and webhooks.
How much does Paygatex charge?
Processing fees range from 1% to 0.2%, depending on monthly volume. AML screening is included and network fees are passed through at cost.
Which cryptocurrencies are supported?
Paygatex supports 350+ coins and tokens across multiple networks, including USDT, USDC, BTC, ETH, TRX and BNB.
Does Paygatex support higher-risk businesses?
It targets sectors including iGaming, crypto, digital goods and other cross-border businesses, subject to risk and compliance requirements.
Is KYC required?
Verification is risk-based. Requirements depend on the business and applicable compliance rules.
How fast can a merchant go live?
The configurable checkout is designed to reduce development work. Actual launch time depends on the integration and merchant review process.
Are payouts and subscriptions available?
They are currently part of the product development roadmap.
Conclusion
Paygatex positions itself as more than a crypto payment API. Its payment engine can be configured for different business scenarios while still providing API and SDK access for custom integrations.
The current offering covers crypto acceptance, checkout, webhooks, multiple networks and AML screening. The roadmap extends this toward payouts, recurring billing, settlement, routing and broader payment infrastructure.
For merchants evaluating crypto payment providers, the key factors are total cost, compliance model, supported networks, integration effort and checkout requirements — not the headline processing fee alone.
Comments