You run an online shop, a customer wants to pay in Bitcoin or a stablecoin, and your card processor cannot help. That is the gap a cryptocurrency payment gateway fills: it takes a crypto payment from a customer, confirms it on the blockchain, and settles the value to your business in crypto or converted to fiat, depending on how you set it up. Confirmo is one of the longer-running gateways in this space, and this guide explains what it actually does, what to verify before you use it, and where the risks sit.
What Confirmo Is
Confirmo is a cryptocurrency payment gateway founded in Prague in 2014, originally as BitcoinPay, and now operating as Confirmo. Its core products, as described on its own site, are crypto checkout for online stores, payment links and invoicing for businesses without a full integration, and payouts for sending crypto to many recipients. It supports Bitcoin, major stablecoins such as USDC and USDT, and a range of other cryptocurrencies across several blockchains. According to its own materials, it has received authorisation under the EU’s Markets in Crypto-Assets Regulation (MiCA) through an Irish group entity — a claim worth verifying against the regulator’s register for your own jurisdiction before you rely on it.
None of that makes it the right choice by default. A payment gateway is infrastructure, and the right one depends on your customers, your accounting, and your risk tolerance.
How a Crypto Payment Actually Flows
The basic flow is straightforward. Your customer chooses crypto at checkout, the gateway generates a payment request for a set amount in the chosen currency, and the customer sends it from their wallet. The gateway watches the blockchain for confirmations, then marks the order paid. Confirmation times vary by network: a Bitcoin payment can take noticeably longer than a payment on a fast chain such as Solana or Polygon, and network fees vary with congestion. “Instant” in gateway marketing usually means the checkout experience, not guaranteed settlement in seconds.
Settlement is the part to read carefully. Some gateways convert crypto to fiat immediately and pay you in your local currency; others settle in crypto and leave conversion to you. That choice decides who carries price-volatility risk between the sale and the payout, so confirm it in writing before you go live.
Fees, Compliance and What to Check Before Signing Up
Confirmo does not publish a single standard fee schedule on its public site, and third-party comparisons have cited a processing fee around 0.8% plus network fees, with a separate fee for mass payouts. Treat any figure you see in a comparison as a starting point, not a quote: ask Confirmo for your exact pricing, including network fees, conversion spreads and payout fees, and compare it against what you pay your card processor today.
Compliance is the other major check. Crypto gateways typically require business verification (KYC), and under EU rules identity checks apply above certain thresholds. Ask what documents you will need, which countries and business types are supported, and how refunds and chargebacks work — crypto payments are generally irreversible once confirmed, so your refund policy needs to handle that clearly for customers.
Accounting matters too. Crypto income, conversion gains or losses, and tax treatment vary by country, and your accountant will need clean records of each transaction in fiat terms. A gateway with detailed, exportable reporting will save you real time at year end.
If you are comparing options more broadly, cryptocurrency wallet app development explains the wallet side of the ecosystem, and whether cryptocurrency is halal or haram covers the Sharia-compliance questions some customers and businesses raise.
Who Benefits Most — and Who Should Wait
Crypto checkout fits best when a meaningful share of your customers already holds crypto, when you sell internationally and want to avoid some cross-border card friction, or when you operate in a sector where customers prefer it. It fits worst when your customers are overwhelmingly card-based, when your margins cannot absorb conversion and accounting overhead, or when your jurisdiction’s rules are unclear. Adding a payment method nobody uses adds support work without revenue.
Start small if you do proceed: enable it for one product line or region, test the full flow yourself as a customer, confirm a payout lands in your account as expected, and only then roll it out widely.
FAQ
Is Confirmo legitimate? It is a real, established gateway founded in 2014, but “established” is not a substitute for due diligence — verify its current licensing, fees and terms yourself before integrating it.
Do customers need a crypto wallet? Yes. They pay from their own wallet or exchange account; the gateway does not create one for them.
Can customers get refunds? Crypto payments cannot be reversed like card chargebacks. Refunds, where offered, are sent as a new payment, so state your policy clearly at checkout.
Final Thoughts
Confirmo is a credible option to evaluate if your customers want to pay in crypto — not a shortcut to growth on its own. Compare its real fees and settlement terms against your current processor, test the full payment flow, and make sure your refund and accounting processes are ready before you switch it on.
