Just a quick reminder for merchants looking at fiat-to-crypto gateways

Something I’ve been noticing lately as more stores move toward fiat-to-crypto gateways.

Before integrating one, it’s worth checking who actually controls the code and wallet routing behind the platform. A lot of these gateways are run by small teams, which means they control the scripts that generate deposit addresses and route payments.

Another thing people don’t realize is that many gateways are just white-labeled versions of the same backend, sometimes charging 6–8% fees on top.

Some merchants I’ve talked to go a different route and integrate infrastructure directly through platforms like paygate.to, usually with a developer handling the setup. Fees tend to be lower, though customers still have to complete KYC with the on-ramp provider.

Nothing wrong with using these gateways. Just make sure you understand who built it and who controls the payment flow before plugging it into your checkout.

Disclaimer: I’m not affiliated with PayGate.to. Just mentioning it as one of the known fiat-to-crypto gateway providers in this space.

Always worth looking at the fees, custody, and infrastructure first, because some “providers” are just reselling the same backend with higher markup.

Best move is either use well known providers or go direct integration where you control wallets and logic otherwise you are adding a hidden dependency risk to your business