finops:
  description: Financial operations guidance for teams integrating the CoinGate
    Payment Gateway API, covering cost structure, settlement mechanics, currency
    conversion, and cost optimization strategies.
  pricingUrl: https://coingate.com/pricing
  costDrivers:
    - name: Payment Processing Fee
      description: Applied to every successful payment order processed through CoinGate.
      standard: 1% per transaction
      enterprise: Custom volume-based rate
    - name: Crypto Payout Fee
      description: Applied when sending funds from your CoinGate balance to an external
        cryptocurrency address.
      standard: 0.50 EUR + 0.5% per payout
      enterprise: Custom/lower rate
    - name: Payout with Conversion Fee
      description: Applied when sending funds with an automatic currency conversion
        (e.g., BTC to EUR payout).
      standard: 0.50 EUR + 1.5% per payout
      enterprise: Custom/lower rate
    - name: Currency Exchange Fee
      description: Applied when converting between currencies within your CoinGate
        ledger account.
      standard: 1% per exchange
      enterprise: Custom/lower rate
    - name: Refund Fee
      description: Applied when processing a refund for a completed payment order.
      standard: 0.25 EUR + 0.1% per refund
      enterprise: Custom/lower rate
    - name: SWIFT Withdrawal Fee
      description: Applied when withdrawing funds via SWIFT international wire transfer.
      standard: 0.50% (minimum 50 EUR)
      enterprise: Custom/lower rate
    - name: SEPA Withdrawal Fee
      description: Applied for EUR bank transfers within the SEPA zone.
      standard: Free
      enterprise: Free
    - name: Crypto Withdrawal Fee
      description: Applied when withdrawing cryptocurrency to an external wallet.
      standard: Free
      enterprise: Free
    - name: Deposits
      description: Receiving funds into your CoinGate account.
      standard: Free
      enterprise: Free
  settlements:
    description: CoinGate handles automatic settlement of merchant balances to fiat
      or cryptocurrency on a scheduled basis.
    standard: Weekly automatic settlement
    enterprise: Weekly or on-request settlement
    supportedFiatCurrencies:
      - EUR
      - USD
      - GBP
    settlementMethods:
      - SEPA bank transfer (EUR, free)
      - SWIFT wire transfer (0.50% fee, minimum 50 EUR)
      - Cryptocurrency withdrawal (free)
  costOptimization:
    - tip: Upgrade to Enterprise for volume discounts if monthly transaction volume
        is high enough to justify negotiated custom rates.
      threshold: Evaluate when monthly processing volume exceeds 50,000 EUR
    - tip: Use SEPA withdrawals instead of SWIFT to avoid the 0.50% withdrawal fee
        (minimum 50 EUR).
    - tip: Minimize currency conversion steps by settling in a single target currency
        to avoid the 1% exchange fee on each conversion.
    - tip: Batch payouts where possible to reduce the fixed 0.50 EUR per-payout component.
    - tip: Use the public Exchange Rates API (unauthenticated) for rate lookups to
        avoid consuming authenticated API quota unnecessarily.
    - tip: Leverage the Sandbox environment at no cost for development and testing
        to avoid incurring fees on test transactions.
  billing:
    description: Fees are deducted from your CoinGate merchant balance automatically.
      There are no monthly subscription fees for Standard accounts. Enterprise pricing
      is negotiated per-contract.
    invoicingUrl: https://developer.coingate.com/reference/cryptocurrency-payment-api
    selfServiceDashboard: https://coingate.com/login