BTCPay Server vs CoinGate
BTCPay Server has the higher grade on both axes: Safety 6.8 against 5.0, and Privacy 8.9 against 0.0.
BTCPay Server
Self-hosted open-source Bitcoin payment processor with no fees and no third party
Privacy
8.9/ 10
Excellent
Safety
6.8/ 10
Fair
ID never required KYC 0 Docs reviewed Full review →
CoinGate
MiCA-licensed Lithuanian crypto payment gateway; merchants must pass identity checks
Privacy
0.0/ 10
Poor
Safety
5.0/ 10
Caution
ID mandatory KYC 4 Docs reviewed Full review →
Side by side
| BTCPay Server | CoinGate | |
|---|---|---|
| Category | Payment Gateways | Payment Gateways |
| KYC policy | ID never required | ID mandatory |
| Custody | Non Custodial | Custodial |
| Sign-up | No account needed | Not published |
| Open source | Yes | No |
| Tor onion address | No | No |
| Coins | BTC, LTC, XMR | BTC, ETH, LTC, SOL, USDC, DOGE, TRX |
| Pay with | Crypto, Lightning | Crypto, Lightning |
| Fees | 0% processing fees; hosting costs only | 1% payment processing fee on the Standard plan; crypto payouts 0.50 EUR + 0.5% |
| Founded | 2017 | 2014 |
| Jurisdiction | Decentralised / none | Lithuania |
| Incidents on record | 1 | 0 |
| Published tests (180 days) | 0 | 0 |
Only BTCPay Server
No registrationNo email neededNo phone neededOpen sourceNon-custodialSelf-hostable
Both
Accepts Lightning5+ years operating
Only CoinGate
CustodialClosed sourceMay request IDAML screeningLegal entity disclosedRuns an affiliate programme
Where they sit among payment gateways
Questions
Is BTCPay Server or CoinGate safer?
BTCPay Server has the higher Safety grade: BTCPay Server 6.8, CoinGate 5.0, out of 10.
Does BTCPay Server or CoinGate require KYC?
BTCPay Server is KYC level 0 (ID never required). CoinGate is KYC level 4 (ID mandatory).
Which has more incidents on record?
BTCPay Server has 1 and CoinGate has 0 documented incidents in the registry.