Heleket vs CoinGate Comparison
#comparisons
The crypto payment-service market is built so that, at first glance, most players offer the same thing — accepting cryptocurrency, converting it, withdrawing funds. The difference only shows up once you look at specific numbers and terms rather than marketing language.
Heleket and CoinGate are both crypto payment-acceptance services, but they grew out of different priorities. Let's break down what each was built for, what a business actually gets after connecting, and which criteria matter when choosing between them.
What each service was built for
CoinGate has been on the European market longer than many competitors — the service has existed for more than a decade and serves over 500 platforms, marketplaces, and fintech companies. The service's legal entity is registered in Lithuania and holds a dual license — as a crypto-asset service provider under the EU's MiCA regulation and as a payment institution. That makes CoinGate one of the few in the industry offering not just crypto acceptance but full regulated settlement service, with direct withdrawal to a bank account in euros, pounds, or dollars.
Heleket focuses on accepting crypto payments itself as the core task — accepting payment across a wide range of currencies and networks, converting it into a stable asset, and giving a business a simple set of tools to keep working with that money inside the crypto ecosystem, without being tied to a bank account.
The difference in priorities comes down to roughly this. CoinGate builds a bridge between cryptocurrency and the traditional banking system. Heleket gives a fast, currency-broad entry point into crypto payments for a business that doesn't necessarily need to withdraw money to fiat in a bank account.
What a business gets after connecting
Once connected, Heleket gives you acceptance of 17 of the most popular cryptocurrencies across 8 networks, auto-conversion of incoming payments into the stablecoin USDT, mass payouts from your account dashboard, automatic withdrawal on a rule you set, and screening of payment origins before crediting funds.
CoinGate gives you crypto acceptance with settlement in euros, pounds, dollars, or crypto, a tool for sending crypto payouts with a fee on top, a separate product for issuing refunds to customers in cryptocurrency, and role-based team access management.
Comparing the features
On basic payment acceptance, the difference shows up right away in the numbers. Heleket accepts 17 cryptocurrencies across 8 networks, and the fee is negotiated individually per project starting from 0.4%. CoinGate lists coins with networks tied to each specific currency, and the fee on the standard plan is fixed at 1%, moving to individual terms only for large businesses.
From there, the services diverge on what happens to the money after a payment is accepted. CoinGate offers direct fiat settlement — withdrawal to a bank account in euros, pounds, or dollars — with automatic settlements defaulting to weekly on the standard plan and on request on the individual plan. On Heleket, auto-withdrawal is set up on your own rule rather than a fixed schedule.
CoinGate's crypto payouts are priced as a separate line item — €0.50 plus 0.5% for a regular transfer, and €0.50 plus 1.5% if conversion is needed. Heleket doesn't charge a separate fee for mass payouts.
On integrations, both services offer an API and ready-made CMS modules, but with a different set of supported platforms. Heleket supports OpenCart, WooCommerce, PrestaShop, WHMCS, XenForo, and Invision Community. CoinGate covers WooCommerce, PrestaShop, OpenCart, WHMCS, and Wix. The difference is mostly in niche modules — Heleket has the forum platforms XenForo and Invision Community, while CoinGate has the Wix website builder.
Heleket's support team works the same way regardless of volume. At CoinGate, the level of support depends on the plan — email correspondence on the standard plan, a dedicated manager on the individual plan.
Advantages of Heleket
Transparent, volume-based fee logic. The rate is negotiated individually from the very start of the relationship, rather than switching between rigidly fixed pricing tiers — that gives room to negotiate for your specific business right at the outset, not only after moving to a closed-off enterprise plan.
Mass payouts with no separate conversion fee. The tool for sending funds to contractors and partners is built into the account dashboard as part of the base feature set, rather than billed as a separate line item on top of the payment-acceptance fee.
Fund screening built into the payment process itself. AML analysis of incoming coins runs as part of the base payment flow before funds are credited, rather than requiring a separate product or setup.
What CoinGate offers
Direct fiat settlement to a bank account. A business can set up withdrawal in euros, pounds, or dollars straight to an account, skipping the need to withdraw and sell cryptocurrency through an exchange yourself.
Team access management. A role-based permissions model lets you separate out who on the team sees the balance, who can initiate payouts, and who can only view reports — useful for teams where more than one person handles payments.
Which service to choose
The choice comes down to what matters more to you — flexibility and breadth in the range of cryptocurrencies, or direct integration with the traditional banking system.
Heleket is a good fit if you want to accept a wide range of cryptocurrencies, work with an individually negotiated fee from the start, and keep your revenue inside the crypto ecosystem — for instance, converting it into a stablecoin rather than withdrawing to fiat every time.
CoinGate is a good fit if direct withdrawal to a bank account in euros or dollars is essential for your business, a formal regulated partner status in an EU jurisdiction matters to you, or you need a built-in tool for issuing customer refunds with no extra setup.
Some businesses that have both retail sales with frequent refunds and a need for cryptocurrency flexibility use both types of services for different parts of the business — it isn't always an either-or choice.
What matters as a business grows
As turnover grows, terms change at both services, but differently.
At CoinGate, the move to an individual plan is clearly formalized — a separate tier with a personal account manager, dedicated technical support, a branded payment page, and a customizable settlement frequency instead of a fixed weekly one. That's useful because you know in advance what benefits show up once you scale.
At Heleket, individual terms are negotiated with a manager from the very start, rather than after moving to a separate pricing plan, so there's no formal line between a "starter" and an "enterprise" level of service — it's flexible and shaped by negotiation.
For running several projects, Heleket lets you manage separate merchants for each site or business line within one account, with separate analytics and turnover for each — useful for agencies and companies with multiple brands.
Conclusion
Heleket and CoinGate solve the same basic task — accepting crypto payments — but with a different set of strengths. Heleket wins on breadth of supported currencies and fee flexibility from day one. CoinGate wins where a business needs a direct path into the traditional banking system and a formal regulated status in the EU.
For most online businesses that want to quickly connect a wide range of cryptocurrencies without being tied to fixed pricing tiers, Heleket is a solid starting point — 17 cryptocurrencies across 8 networks, fees starting from 0.4% with individual terms from the outset, and built-in fund screening on the way in. If your model depends on direct withdrawal to fiat in an account or a formal partner license, it's worth separately reviewing CoinGate's terms for your particular case.
