Payment channels give each of your clients a dedicated blockchain deposit address that stays active indefinitely. Instead of creating a new invoice and a new address for every deposit, your client saves their address once and sends funds to it whenever they need to.
How it works
- Assign. You create a dedicated deposit address for a client, either from the dashboard or through the API. That address is permanently assigned to them.
- Deposit. Your client sends crypto to that address whenever they want. No invoice, no new address, no expiry.
- Detect and settle. Each incoming deposit is detected, attributed to the right client and reported to your system. You can settle in crypto or have deposits converted automatically to EUR, USD or GBP.
How this differs from a regular payment
A regular crypto payment creates a new one-time address for each invoice, and that address expires. A payment channel gives one client one address that keeps working, so repeat deposits do not need a new checkout each time.
Do my clients need a CoinGate account?
No. Payment channels are merchant infrastructure. Your clients deposit to an address you assigned to them, they do not interact with CoinGate and they do not create accounts. The client relationship stays entirely with you.
Who it suits
Payment channels are built for businesses handling recurring deposits from the same clients — ad networks where advertisers top up campaign balances, marketplaces with many participants funding accounts, and SaaS, hosting or proxy services where clients top up regularly.
Which currencies and networks are available?
The same ones we support elsewhere. You can check the full list on our supported currencies page.
What we need about your clients
When you create a channel, you provide a few basic details about the client it belongs to, and a short purpose for the channel (for example, "monthly subscription payments"). One purpose per channel.
For an individual: email, first and last name, date of birth and country of residence. For a business: email, company name, company code and country of registration.
In some cases we may also ask you for a supporting document for a particular client — for an individual, a passport, ID or residence permit; for a business, a signed contract, service agreement or invoice. If that happens, you will see a notice on the payment channel and can upload the document there. Your client is not contacted by us; the relationship stays with you.
Setting one up
Channels can be created from your dashboard or through the API. You select the client, the currency and the settlement currency, and the deposit addresses are generated for you. Settlement is available in EUR, USD, GBP, BTC or USDC.
One thing worth knowing: for EVM-compatible networks such as Ethereum, Polygon, Arbitrum and BSC, one address covers them all. Networks like Tron and Solana each get their own address.
For the technical side, see the payment channels API documentation.
How do I get access?
Payment channels are enabled on request rather than switched on for every account by default. If you do not see the option in your dashboard, get in touch with us and we will walk you through the setup.