XPay LabsXPay Labs
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CoinGate Alternative

CoinGate Alternative — Self-Hosted Crypto Payment Gateway

CoinGate offers 50+ cryptocurrencies but at 1% fees, custodial custody, and limited blockchain depth. XPay Labs is the self-hosted, non-custodial alternative — zero transaction fees, deep stablecoin chain support, and full control over your funds.

View Deployment GuideXPay Labs Overview

Why Merchants Are Looking for a CoinGate Alternative

1% Transaction Fees

CoinGate charges 1% per transaction across the board. For a business processing $100k/month in crypto revenue, that's $12,000/year in fees alone — with no option to reduce them.

Custodial Risk

CoinGate is a custodial gateway. They hold the private keys, and settlement happens on their schedule. If CoinGate experiences regulatory issues or technical outages, your funds are inaccessible until they resolve them.

Broad but Shallow Chain Support

CoinGate supports 50+ coins, but each is typically available only on a single chain. For merchants who need deep stablecoin liquidity on TRON (TRC-20 USDT) or L2 networks like Arbitrum and Base, CoinGate's breadth doesn't compensate for its lack of depth.

CoinGate vs XPay Labs — Side by Side

FeatureCoinGateXPay Labs
Transaction Fees1% per transaction0% (gas only)
Monthly Plan FeeFree for crypto, fees for fiat$0 (self-hosted)
Custody ModelCustodial — CoinGate controls keysNon-custodial — you control keys
Settlement ControlManual withdrawal (custodial)Instant — funds arrive in your wallet
Crypto Coverage50+ coins, single-chain eachDeep multi-chain (TRON, EVM, SUI)
White-Label CheckoutCoinGate branding shownFull white-label (your brand)
Source AccessClosed-source (proprietary)Source-available (XPay License)
DeploymentCloud (SaaS)Self-hosted (Docker, VPS, bare metal)
KYC RequirementsRequired for account setupNone (self-sovereign)
Webhook / APIREST API + callbacksREST API + HMAC-signed webhooks

Detailed Feature Comparison

Pricing & Fees

CoinGate's fee structure includes a 1% transaction fee on every crypto payment. While the base plan is free for crypto-to-crypto settlements, fiat conversions add another 1–2% on top. For a business doing $50k/month in crypto revenue, CoinGate costs $500 in transaction fees per month — over $6,000/year with no ceiling as volume grows.

XPay Labs charges 0% transaction fees and $0 monthly fees. As a self-hosted solution, your only costs are server hosting (as low as $10/month on a VPS) and blockchain network gas fees (typically fractions of a cent per transaction on TRON or L2s). The savings compound with every transaction.

Custody & Key Management

CoinGate operates a custodial model. When a customer pays, the funds go to CoinGate's wallets. You then request a withdrawal to your personal wallet, subject to CoinGate's processing times and limits. You never hold the private keys for the deposit addresses, which introduces counterparty risk: if CoinGate faces regulatory action, technical issues, or account restrictions, your funds are at risk.

XPay Labs is fully non-custodial. Every invoice generates a unique deposit address derived from your own node seed — held exclusively inside your Docker container. Funds settle directly to your wallet in real-time. No third party touches your money, no withdrawal delays, no account freeze risk. Your keys, your coins.

Chain & Token Support

CoinGate's main selling point is 50+ supported cryptocurrencies. However, most coins are available on only a single blockchain network. This breadth comes at the cost of depth — you won't find native support for TRON (TRC-20 USDT), the largest stablecoin network by volume, or L2 networkslike Arbitrum, Optimism, and Base. If your customers use USDT on TRON — as most do — CoinGate cannot serve them directly.

XPay Labs supports TRON, EVM-compatible chains (Ethereum, BNB Chain, Polygon, Arbitrum, Optimism, Base), and SUI. This covers the vast majority of stablecoin and altcoin payment volume with deep-chain native support, not single-chain token listings. New chains can be added by the community via pull request.

White-Label & Brand Control

CoinGate's checkout page carries CoinGate branding. While they offer some customization options, the "Powered by CoinGate" presence and domain are not fully removable on standard plans. Your customers see a third-party gateway, which can reduce trust during checkout.

XPay Labs is fully white-label by default. The checkout page uses your brand colors, logo, and domain. No "Powered by XPay Labs" badge. Your customers see a seamless, professional checkout experience that reinforces your brand, not a third party's.

Settlement & Payout Control

CoinGate aggregates your received payments into a CoinGate wallet balance. To access your funds, you must manually initiate a withdrawal to an external wallet, subject to CoinGate's processing times and minimum withdrawal thresholds. Funds are not under your direct control at any point during the settlement process.

With XPay Labs, settlement is instant and direct. Each invoice's payment goes straight to the derived deposit address that you control. You can sweep funds, swap, or HODL on your own schedule. No waiting for manual withdrawals, no minimum thresholds, no intermediary.

DEVELOPER

Developer Experience

CoinGate's infrastructure is proprietary and closed-source. You cannot audit the code, customize the integration beyond surface-level settings, or contribute features. The API is documented but limited to what CoinGate decides to offer.

XPay Labs is source-available — every line of code is visible on GitHub. You can audit security, submit pull requests, fork the project, and extend it however you need. The REST API is complemented by HMAC-signed webhooks for secure server-to-server notifications, and the Docker deployment means you can be running in minutes.

Pricing Comparison

C

CoinGate

  • 1% transaction fee on every payment
  • 1–2% extra for fiat conversion
  • Manual withdrawal process (custodial)
  • KYC verification required upfront

Estimated annual cost at $50k/mo volume: ~$6,000+

X

XPay Labs

  • 0% transaction fee (gas only)
  • $0 monthly fee (self-hosted)
  • Instant settlement to your wallet
  • No KYC required (self-sovereign)

Estimated annual cost at $50k/mo volume: ~$120 (VPS)

Who Should Switch — And Who Should Stay

Switch to XPay Labs If…

  • •You process over $10k/month and want to eliminate 1% transaction fees
  • •You want full control of private keys and instant settlement
  • •You need deep stablecoin support on TRON, EVM L2s, or SUI
  • •You want a white-label checkout with your own branding
  • •You have DevOps capability to run a Docker container
  • •You want auditable, self-hosted infrastructure
  • •You want to avoid KYC/onboarding delays with custodial gateways

Stay with CoinGate If…

  • •You need to accept 50+ different cryptocurrencies with minimal setup
  • •You require fiat settlement to a bank account (CoinGate handles conversion)
  • •You prefer a fully managed SaaS solution with no server maintenance
  • •You have regulatory requirements that mandate a licensed payment processor
  • •Your customer base primarily uses niche altcoins not covered by XPay Labs
Migration Guide

How to Migrate from CoinGate to XPay Labs

Migrating payment infrastructure sounds daunting, but the process is straightforward. CoinGate and XPay Labs share a similar invoice-based architecture, so the conceptual model maps directly.

1

Deploy XPay Labs

Spin up the XPay Labs Docker container on your VPS or server. Configure environment variables for your node seed, RPC providers, and HMAC secret. Full instructions in the deployment guide.

2

Generate Your Node Seed

XPay Labs derives unique deposit addresses from a BIP-39 mnemonic seed you generate. Back this up securely — it is your master key. Unlike CoinGate, you never share this seed with anyone.

3

Update Your Checkout Integration

Replace CoinGate API calls with XPay Labs REST API endpoints. The invoice creation flow is similar: create an invoice, get a payment address, and listen for webhook confirmations. Our HMAC-signed webhooks provide a more secure notification model than CoinGate's callbacks.

4

Redirect Your Customers

Point your checkout flow to your self-hosted XPay Labs checkout page. Because XPay Labs is white-label by default, your customers will never know you switched providers — they'll just see a faster, more polished checkout experience.

5

Monitor & Optimize

Use XPay Labs' webhook logs and invoice dashboard to monitor payment flow. Run both systems in parallel during a transition period to ensure zero downtime. Once comfortable, withdraw remaining funds from CoinGate and deactivate your account.

Pro Tip: Run CoinGate and XPay Labs in parallel for 1–2 weeks. Route a percentage of traffic to XPay Labs and compare settlement times, fee savings, and failure rates. You'll see the difference immediately.

Ready to Own Your Payment Infrastructure?

Stop paying 1% per transaction. Stop trusting third parties with your settlement funds. Deploy XPay Labs today and take full control of your crypto payment stack.

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