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PerlyBeta
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As of October 2026

Perly Pay vs CoinGate

CoinGate is a licensed, custodial gateway that takes a share of every payment. Perly Pay sends every payment to your wallet for a flat price. The difference, in figures.

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Side by side

—CoinGatePerly Pay
Who holds the moneyCoinGate holds balances in its regulated account; settled weekly by defaultYou do: every payment lands in your wallet
LicenceCrypto-asset service provider under MiCA, Bank of Lithuania (LB002323)We never hold or move your funds
Fee on each payment1%0% — a flat plan
Crypto payout€0.50 + 0.5% (€0.50 + 1.5% with conversion)None: there is nothing to pay out

Perly Pay, in short

  • 0% of volume. A flat plan: Free up to 21 paid sales a month, then $16, $32, $64, $128 or $512 a month.
  • Non-custodial. You connect public keys only (an xpub or zpub from a Ledger or Trezor). Each invoice gets its own address, and the money lands in your wallet. We never hold it.
  • Screened. Every sender is checked against OFAC's sanctions list, with TRM Labs as a second opinion and ScamSniffer on the dollar networks. A hit sends the payment to review — how it works.
  • Free to test. Test mode on test networks costs nothing, with no limit.

What buyers can pay with

  • BTC
  • USDC
  • USDT0
  • USDT

What a month costs

Sales of $100 each. Perly Pay's plan follows the number of sales, not their size.

Sales a monthCoinGatePerly PayYou keep a year
$5,00050 × $100$75$16Starter$708
$20,000200 × $100$300$16Starter$3,408
$100,0001,000 × $100$1,500$32Pro$17,616

CoinGate: 1% a payment plus 0.5% on a crypto payout. The €0.50 per payout is left out.

Switch in 10 minutes

Nothing to migrate but your catalog. Keep your old checkout until the first live payment lands.

  1. 01

    Export your orders

    In CoinGate: Orders → Export as CSV.

  2. 02

    Import them

    In Pay: Products → Import, choose the file, Check, Import. Pay says when it knows the file.

  3. 03

    Connect your wallets

    Wallets: your public bitcoin key and your stablecoin key or addresses. Never a seed or a private key.

  4. 04

    Swap links and callbacks

    Replace CoinGate links and callbacks with Pay's links and webhook.

  5. 05

    Test, then go live

    Pay once in test mode, then switch to Live.

More in the docs.

Sources

Facts about other companies come from the pages below, read in October 2026. They may have changed since — tell us through Contact and we will fix it.

Other comparisons

Every sale, straight to your wallet.

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