CommerceGate Review

Regional Breakdown

Spanish-speaking Latin America: Mexico takes SPEI and OXXO Pay, where OXXO covers deposits only and SPEI carries player payouts. Colombia runs on PSE, which carries more than 80% of the country's online bank payments, Chile on Webpay through Transbank for deposits only, and Ecuador on PayPhone and bank transfer through Banco Pichincha. An operator selling across these markets takes one settlement in EUR or USD instead of a local-currency float in each, and pays the 1-2% FX markup on that conversion.

Europe: SEPA bank transfer in Spain is the one local rail CommerceGate runs under its own license, and European card volume runs on its acquiring partners. A casino or sportsbook with Spanish players gets bank transfers from CommerceGate itself, while its European card deposits depend on the partner acquirer that takes them.

Brazil: CommerceGate runs its own Pix flow, built in-house by its São Paulo team for deposits and payouts, and matches each payment to the name on the player's CPF. The Pix flow and Elo debit run on the Banco Central authorization of local payment-institution partners. Brazil banned sports betting and online casino on September 25, 2026, under Provisional Measure 1.394, and closed every payment rail, Pix and cards included, to betting except refunds to bettors and the closing of operators' books. Brazil is not a market an operator can use CommerceGate for.

Verticals

Adult and dating are CommerceGate's legacy book, built between 2006 and 2018, and it has taken gambling and forex merchants since 2006. CommerceGate runs no dedicated gambling or forex program and sells to retail merchants, platforms, affiliates, PSPs and banks, while it still boards gambling merchants. eCommerce, marketplaces and subscription merchants run on the same gateway.

• iGaming
• Sports betting
• Forex
• Adult
• Dating
• eCommerce
• Marketplaces
• Subscription services

Refunds take 5-10 business days. Player withdrawals take 24-72 hours by method and KYC tier, while AstroPay pays players out in under 24 hours, so a CommerceGate player can wait up to 2 days longer for the money. Settlement to the operator runs T+3 to T+7. AstroPay settles at T+1 to T+2, which leaves the operator's cash 2-5 days longer at CommerceGate before it can fund player payouts.

Integration Assessment

CommerceGate integrates through the CGPayTech REST API, with interactive documentation, a sandbox with live callback validation and request inspection. A hosted payment page keeps a merchant out of PCI scope, server-to-server integration is open to merchants that hold PCI DSS themselves, and mobile apps call the server-to-server API and open the hosted page in a webview. The build takes 1-3 weeks once the merchant is approved. Approval is the long part, since CommerceGate puts more than half of its internal resources into risk and compliance. Its review of a KYB file of bank references, processing history, beneficial-owner ID and a detailed business-model questionnaire takes 3-6 weeks for gambling, forex and adult books and 2-4 weeks for low-risk eCommerce. A casino goes live 4-9 weeks after it applies. PayRetailers onboards high-risk merchants in 2-4 weeks and AstroPay in 1-3 weeks, so the same casino starts processing 1-2 weeks sooner at PayRetailers and 2-3 weeks sooner at AstroPay. Casinos on SoftSwiss, EveryMatrix or Slotegrator route through Corefy, which runs a ready-made CommerceGate connector and is the one pre-built iGaming integration, or build against the REST API. The gateway routes only across CommerceGate's own acquiring partners, so an operator running several PSPs still needs an orchestration layer.

Compliance Context

CommerceGate has held PCI DSS Level 1 without a break since 2009, KPMG audits it every year, and its gateway runs at 99.999% uptime. Its own fraud and AML team screens payments on an in-house rules engine and machine-learning anomaly models that scrub each payment in real time on top of the routing decision. Player KYC in the Pix flow checks the CPF tax ID automatically, and AML monitoring runs in real time across the gateway. The merchant carries card chargebacks, while mandatory 3D Secure 2.x on EU card payments moves fraud chargebacks on authenticated payments to the issuer. CommerceGate's portfolio chargeback ratio is 0.7%, and the rolling reserve is its backstop against chargeback losses.

Regulatory Position

CommerceGate Payment Solutions S.L. holds Bank of Spain payment institution license 6896, granted in 2020, and the license passports its payment services across all 30 EEA countries. It covers payment services only, so CommerceGate issues no e-money and holds no customer funds as an EMI would. CommerceGate holds no FCA authorization, so UK cards run through partner acquirers, and its Brazilian processing runs on the Banco Central authorizations of local payment-institution partners. On the gambling side it serves Curacao-licensed operators, and an iGaming merchant hands in its license documents upfront for CommerceGate to verify during KYB.

Review Analysis

CommerceGate holds 2.8 on Trustpilot from 3 reviews, two five-star and one one-star. The one-star review comes from a merchant whose complete application was turned down without a reason, and a five-star review credits a wide range of solutions, a professional team and good collaboration. Players pay through merchant brands under their own names, so the profile draws almost no consumer reviews.

Context for Operators

The one complaint is the compliance review at onboarding, so an operator that dislikes document-heavy underwriting will dislike CommerceGate. Three reviews are too few to read the profile any further in either direction.

Clients

CommerceGate has served 1,000 merchants since 2006 across iGaming, adult entertainment, dating, forex and eCommerce.