A non-custodial CoinGate alternative
NormiePay is a CoinGate alternative focused on non-custodial USDC settlement. Instead of routing payments through a processor account, each checkout settles on-chain straight to your wallet via a smart contract — no balance to manage, no payout delay.
| NormiePay | CoinGate | |
|---|---|---|
| Custody of funds | Non-custodial — a smart contract pays your wallet directly | Custodial — processor settles to you |
| Assets | USDC on Base & Polygon (customer picks at checkout) | Many coins, fiat settlement option |
| Over/underpayment | Automatic on-chain refund of over/underpayments | Processor-defined handling |
| Onboarding | No approval — add a wallet | Merchant registration |
| Fees | Flat 2% (3.5% on Telegram/Discord memberships), no monthly fee | ~1% plus payout fees |
| Integration | Payment links, buy buttons, REST API, signed webhooks | API, plugins, hosted checkout |
On-chain settlement, not a processor balance
With CoinGate, payments accrue in a processor account you later settle from. NormiePay pays your wallet directly on each transaction, so counterparty risk — freezes, limits, downtime — simply is not part of the model.
Automatic refunds built in
If a customer overpays or underpays, the smart contract refunds the difference (or the full amount) to their wallet automatically. You never have to manually reconcile mismatched payments.
FAQ
How is NormiePay different from CoinGate?
NormiePay is non-custodial — payments settle on-chain to your own wallet rather than into a processor account you withdraw from — and it focuses on USDC on Base and Polygon with automatic on-chain refunds.
Can I accept crypto subscriptions?
Yes. Create subscription payment links with a billing interval; NormiePay emails renewal reminders and fires subscription webhooks for access control.
What are the fees?
A flat 2% on standard payments and 3.5% on Telegram/Discord memberships, with no monthly fees.