CommerceGate Review

Regional Breakdown

Spanish-speaking LATAM: all four markets with local rails run on aggregated access. Mexico takes SPEI and OXXO Pay, where OXXO covers deposits only and SPEI carries 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. Peru is served with PEN settlement and no local rail. An operator selling in several of these markets takes one settlement in EUR or USD instead of holding a local-currency float in each, and pays the 1-2% FX markup for it.

Brazil: CommerceGate runs its own Pix flow for deposits and payouts, with each payment matched to the name on the player's CPF, and takes Elo debit, all 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, which also covers operators based abroad that offer betting to people in Brazil. The ban reaches every Brazilian payment rail, Pix and cards included, and leaves banks and payment institutions only the payments that refund bettors and close an operator's book. 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 that EU portfolio funds the LATAM business, where gambling is the growth vertical. Since 2006 CommerceGate has underwritten gambling and forex books that EU acquirers refuse, Curacao casinos and offshore books included. CommerceGate does not process for crypto exchanges or crypto-first businesses.

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

Deposits clear instantly on cards, SPEI, Webpay and wallets, and player withdrawals take 24-72 hours by method and KYC tier. PayRetailers and AstroPay pay players out in under 24 hours, so a CommerceGate player can wait up to 2 days longer. Settlement to the operator runs T+3 to T+7, which turns a Monday deposit into cash between Thursday and the following Wednesday. AstroPay settles at T+1 to T+2 and PayRetailers at T+1 to T+3, so the operator's cash arrives 2-5 business days later at CommerceGate than at AstroPay. Refunds take 5-10 business days.

Integration Assessment

CommerceGate's tech is competent and undifferentiated, so an operator picks it for its markets and underwriting and gets a standard REST build. It integrates through the CGPayTech REST API, with interactive documentation, a sandbox, live callback validation and request inspection. A hosted payment page keeps a merchant out of PCI scope, and server-to-server integration is open to merchants that hold PCI DSS themselves. The build takes 1-3 weeks once the merchant is approved. Approval takes 3-6 weeks for gambling, forex and adult books and 2-4 weeks for low-risk eCommerce, so a casino goes live 4-9 weeks after it applies. PayRetailers onboards high-risk merchants in 2-4 weeks, which gets the same casino processing 1-2 weeks sooner. Corefy runs a ready-made CommerceGate connector, the one pre-built iGaming integration. CommerceGate has no connector for SoftSwiss, EveryMatrix or Slotegrator, so casinos on those platforms route through Corefy or build against the REST API. Mobile apps call the server-to-server API and open the hosted page in a webview, because CommerceGate ships no native iOS or Android SDK. The gateway routes each payment across CommerceGate's own acquirers, which does not replace an orchestration layer across several PSPs.

Compliance Context

CommerceGate has held PCI DSS Level 1 without a break since 2009, and KPMG audits it every year. The platform runs at 99.999% uptime, with one 20-minute outage in 6 years. Its own fraud and AML team runs an in-house rules engine and machine-learning anomaly models that scrub each payment in real time on top of the routing decision, and 3D Secure 2.x is mandatory on EU card payments. KYB at merchant onboarding is fully automated, as is player KYC in the Pix flow, which checks the CPF tax ID, and AML monitoring runs in real time across the gateway. The merchant carries card chargebacks, while 3D Secure 2.x moves fraud chargebacks on authenticated payments to the issuer, and Pix and Boleto are push payments with no chargebacks at all. 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, which made it the first non-banking group in Spain specializing in cross-border online payments to receive a financial-institution license from Banco de España. 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, and in Brazil it holds no Banco Central do Brasil authorization of its own, running its processing through 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 rather than under the CommerceGate name, so the profile draws almost no consumer reviews, and three reviews are too few to read in either direction.

Context for Operators

The one complaint is the compliance review at onboarding, so an operator that dislikes document-heavy underwriting will dislike CommerceGate.

Client Evidence

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