Confirmo Review 2026 — EU-Based Gateway with Fiat Settlement
Detailed Confirmo review: EU-based, Lightning Network, POS terminal, fiat EUR/CZK settlement, 0.8% fees. Honest pros, cons, and comparison with CoinGate and BitPay.
TL;DR — Confirmo
An EU-based crypto payment gateway with genuine fiat settlement in EUR and CZK. The 0.8% fee is higher than no-KYC alternatives, but you get Lightning Network support, a POS terminal, and actual euros in your bank account. Good for EU merchants who want compliance and fiat conversion.
★★★★☆ 4.0 / 5
Try Confirmo →What Is Confirmo?
1. Fiat Settlement (EUR/CZK)
Accept BTC, ETH, LTC, and stablecoins — receive euros or Czech koruna in your bank account. Settlement happens daily or weekly depending on your plan. This is the killer feature that justifies the higher fee.
2. Lightning Network
Full Lightning support for Bitcoin payments. Transactions confirm in seconds with fees under a cent. Essential for point-of-sale and any scenario where speed matters.
3. POS Terminal
A dedicated point-of-sale interface for physical stores. Display a QR code, the customer scans and pays, and you get confirmation in seconds via Lightning. Works on any tablet or phone.
4. White-Label Checkout
Customize the payment page with your branding. Supports custom colors, logos, and domain mapping. Keeps the checkout experience consistent with your brand.
5. E-commerce Plugins
Native plugins for WooCommerce, PrestaShop, and Shopify. Installation is straightforward — API key in, crypto checkout enabled.
6. API & Webhooks
REST API for custom integrations. Webhook notifications for payment events. Well-documented, though the API is simpler than NOWPayments or Plisio.
Pricing & Fees
At 0.8%, Confirmo is pricier than no-KYC options like Cryptomus (0.4%) or NOWPayments (0.5%). But those gateways do not offer fiat settlement. If you factor in exchange fees and the hassle of converting crypto to EUR yourself, Confirmo's 0.8% is actually competitive.
Pros and Cons
Pros
- Real fiat settlement — EUR/CZK to your bank
- Lightning Network support
- POS terminal for physical stores
- White-label checkout
- EU-based and compliant
- E-commerce plugins (WooCommerce, Shopify, PrestaShop)
Cons
- 0.8% fee — higher than most no-KYC alternatives
- Limited coin selection (BTC, ETH, LTC, stablecoins)
- Fiat settlement only in EUR and CZK (no USD/GBP)
- KYC required for fiat settlement
- Smaller company — less name recognition
- No mass payout feature
How Confirmo Compares
Final Verdict
Confirmo fills a specific niche well: EU merchants who want to accept crypto and receive euros. If that describes you, it is the most straightforward option available. Lightning support makes it viable for physical retail too.
If you do not need fiat settlement, you can get lower fees elsewhere. Cryptomus charges 0.4% and NOWPayments charges 0.5%, both without requiring KYC. But neither puts euros in your bank account.
Ready to try Confirmo?
Try Confirmo →Frequently Asked Questions
Is Confirmo available outside the EU?
Yes, you can use Confirmo globally for crypto-to-crypto payments. However, fiat settlement (EUR/CZK bank deposits) is currently only available for EU-based businesses with verified bank accounts.
Does Confirmo require KYC?
Minimal KYC for basic crypto payments. Full KYC (business verification) is required to enable fiat settlement. The process takes 1-3 business days.
What cryptocurrencies does Confirmo support?
BTC (including Lightning), ETH, LTC, USDT, USDC, and a handful of others. The selection is smaller than NOWPayments but covers the most commonly used payment coins.
How fast is fiat settlement?
Daily or weekly, depending on your plan and volume. Funds arrive in your bank account via SEPA transfer, which typically takes 1 business day within the EU.
Can I use Confirmo for a physical store?
Yes. Their POS terminal works on any device with a browser. Combined with Lightning Network, payments confirm in seconds — fast enough for a retail checkout queue.
How does Confirmo compare to CoinGate?
Confirmo charges 0.8% versus CoinGate's 1%. Both offer fiat settlement and Lightning. CoinGate supports more coins and has USD settlement, but Confirmo is better for EUR-focused businesses and simpler to set up.