Coinpayments – review and feedback on the service for accepting payments in the crypto currency.

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For lovers of customizable IT solutions, we can offer integration via API. Our team of skilled technicians is ready to help you.

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When it gets to accepting FIAT, most crypto projects come across huge difficulties, because banks prefer to stay away from such a risky area. However, not all investors are technically skilled enough to pay with crypto while they are all familiar with usual card payments. Our tool facilitates the payment process and may increase your profits up to 20%.

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EXMO Review 2020

EXMO Review

Exmo is a dual purpose cryptocurrency platform which allows the online exchange of cryptocurrencies as well as the trading of cryptocurrencies. The exchange part of the business involves exchanging fiat currency for Bitcoin. Therefore, the Bitcoin/USD pair is the most common pairing for exchange. The trader can exchange Bitcoin for US Dollars and vice versa. Exmo is located in Estonia with Pavel Lerner serving as the current Managing Director.


When it comes to trading, the user is speculating on a wide range of cryptocurrency assets; betting on whether the asset price will rise or fall relative to the fiat currency/cryptocurrency. A list of cryptocurrency assets that are traded on Exmo will be shown later.

Supported Countries

Most countries of the world can access Exmo’s services. Notable exceptions are the US, China, Japan and countries in the Middle East. Syria and North Korea are also countries whose nationals cannot trade on Exmo.

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US Traders Accepted?

Exmo does not accept traders from the US, as there are regulatory prohibitions that bar US traders from trading activity with regulated brokers outside the United States.

Crypto Assets Traded

What are the cryptocurrency assets traded on the Exmo platform? Cryptocurrency assets on Exmo are traded in pairs with fiat currency. The following combinations are available:

and many more pairs.

Deposit and Withdrawal Options

Deposit and withdrawals on Exmo can be carried out with the following means of payment:

  • Credit/debit cards
  • BanContact
  • QiWi
  • Perfect Money
  • OKPay
  • AdvCash
  • Payeer
  • MoneyPolo
  • WebMoney
  • Payza
  • Fiat currencies (such as USD, RUB, and Euros). These are transferable using bank wire transfers (SEPA).

Exmo has also developed an internal payment system known as Ex-Code (Exmo Internal Currency Exchange system). Excode allows users of the Exmo exchange to perform withdrawals using the Ex-Code and convert this into fiat currency using third-party exchanges.

Exmo has also introduced CryptoCapital as a new means of payment. With CryptoCapital, users can convert their cryptocurrency holdings into fiat currencies.

Exmo Fees and Charges

Exmo imposes lower limits on deposits made using cryptocurrencies as the means of payment. Any deposits that are lower than the minimum deposit limit are not usually enrolled in the system. These funds are not returned to the user. There are no maximum limits on what can be deposited. Minimum fees are charged for each transaction. This is set at 0.2%. Other fees are incurred and these are limited to what is charged by the payment processing companies only.

Security Measures

Exmo is served by SSL and presents its users with the following methods of securing their cryptocurrency holdings:

  1. Cold wallets, which allows for the storing of cash and coins off-exchange.
  2. Two-factor authentication (2FA) layer for trader login. This involves the use of a one-time token code which can only be used once as secondary login.
  3. IP recognition and verification procedure if login is attempted using unfamiliar computers or is attempted from a different location.

Customer Support

Apart from the comprehensive knowledge base which has been put together to answer most questions that traders and other users/non-users of Exmo may have, Exmo also provides a customer support email service to attend to the requests of users. The following methods of customer support on Exmo are available:

  1. There is an online chat facility.
  2. There is a customer support email address which can be reached at [email protected]
  3. Users can also create a ticket online, and a customer service rep is assigned to get a resolution of the issue(s) discussed in the ticket.

Customer support is available in all the major languages.

Pros and Cons

  • Low user fees.
  • Several cryptocurrency asset pairs to trade, giving the user the power of choice.
  • To their credit, Exmo has a good communications outlet. The blog publishes constant updates about what happens with Exmo.
  • US Clients not accepted.
  • Many exchange downtimes have been reported.
  • Deposit and withdrawals come with conditions which keep changing. Traders can never tell what they may wake up to.

Where is Exmo’s operating center-based?

Exmo’s head office is located in Estonia.

How do I fund my account at Exmo?

Exmo presents several means of depositing money into your trading. These methods all come with fees. Choose the one which suits you best.

Is Exmo a regulated exchange?

Exmo is not a regulated cryptocurrency exchange.

What is the processing time for withdrawals at Exmo?

Withdrawals depend on the payment method used. Some methods take days to complete, while there are some which take hours.

Is Exmo Safe to Use?

There are a lot of questions that have arisen in the past one year about the safety of operations of the Exmo exchange. There have been many complaints by users regarding the fulfillment of deposit and withdrawal requests as well as the numerous downtimes the exchange has witnessed. Particularly worrisome is the recent kidnap of the Exmo Managing Director Pavel Lerner, and the purported payment of a $1million ransom in Bitcoins to his abductors to secure his release.

How does this affect the exchange going forward? It is difficult to predict. But these events will definitely not bode well for the image of the company, especially as 2020 sees greater clamor worldwide for regulated, safer and more secure cryptocurrency exchanges. It is best to say that the status of Exmo in terms of safety should at best be guarded.

Is Exmo a scam?

Exmo cannot be said to be a scam, but it cannot be given a clean bill of health either. Traders who decide to use Exmo should realize that it is not regulated and is located in a jurisdiction which is not known to have a strong regulatory activity which protects traders. As at New Year’s Eve in 2020, there were several unconfirmed reports of traders being unable to make any withdrawals. These reports have appeared on several online forums. So traders should trade with extreme caution if using Exmo, as clearly, all is not well with the company.


Payment gateway for bitcoin and hundreds of altcoins, including a multi-coin wallet supporting over 1,300 cryptocurrencies. Easy integrations with prebuilt plugins for all the major ecommerce platforms including Shopify, Magento and Woocommerce plus well documented APIs for custom integrations.

Lowest fees in the industry, only 0.5%

Since 2020, CoinPayments has pioneered the way for cryptocurrency payments and has become a global leader for cryptocurrency payment processing. The easy to use platform offers APIs and prebuilt integrations for all the major ecommerce platforms, including Shopify, WooCommerce and.
Show more. Since 2020, CoinPayments has pioneered the way for cryptocurrency payments and has become a global leader for cryptocurrency payment processing. The easy to use platform offers APIs and prebuilt integrations for all the major ecommerce platforms, including Shopify, WooCommerce and Magento.

With support for over 1,300 cryptocurrencies and a userbase of over 2.4 million users and businesses across 182 countries, it’s clear that the CoinPayments platform is the ideal cryptocurrency payments solution.

Get started in minutes and leverage the cheaper, safer, faster, borderless nature of cryptocurrency payments by integrating the CoinPayments cryptocurrency payment gateway!

• Conversion – Manually or automatically convert one cryptocurrency into many others
• Fiat Settlement – Settle your crypto payments into any of 9 different fiat currencies directly into your bank account
• BTC Instant Confirmations – No more waiting for multiple blocks to confirm transactions, we use GAP 600 to insure instant confirmations for bitcoin transactions
• Payment Forwarding – Allows users to instantly forward any payments directly to a wallet of their choice instead of the standard wallet provided by CoinPayments
• $PayByName – No more multiple complicated addresses, instead only 1 “Cashtag” needed for sending/receiving any supported crypto (Example: $BadCrypto)
• Vaulting – Additional layer of security offering secured storage with a time-delayed unlock

Coinpayments – review and feedback on the service for accepting payments in the crypto currency.

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Latest commit



Type Name Latest commit message Commit time
Failed to load latest commit information.
examples Update get_basic_information.php Jun 28, 2020
src Update CoinpaymentsValidator.php Dec 11, 2020
tests Initial Commit Oct 1, 2020 Initial Commit Oct 1, 2020 Update Nov 8, 2020
composer.json Composer classmap and readme updates Oct 1, 2020 PHP API Wrapper.

It’s recommended to use a newer version of PHP. This library was written in a PHP v7.2.8-1+ environment. The minimum version we’ve tested the code against is PHP v 5.5+. Our PHP version compatibility test used a combination of PHP CodeSniffer and PHP Compatability.

A account with an API keys pair setup (public & private). For the latest instructions visit our online API documentation to learn how to setup your API Keys and get a link to your account API Keys page.

See the testing section below for additional requirements to test certain commands with LTCT or mainnet coins.

Note this wrapper assumes the format requested for API responses is JSON. The alternative is XML but the XML format is not documented or supported by this wrapper. By default every API call will return JSON unless otherwise specified.


This API wrapper can be downloaded directly or cloned with GitHub. To use it in your project either clone this repository or download a ZIP to the directory of your choosing.

The minimum files required for usage are those in the source folder, CoinpaymentsAPI.php , CoinpaymentsValidator.php and CoinpaymentsCurlRequest.php . A 4th required file for usage of predefined API keys and testing variables is keys.php . There is a keys_example.php file which can be populated and renamed to keys.php . This keys file is used to pass your public and private API keys to the wrapper in order to make calls to the Platform. You can also manually pass your keys to the CoinpaymentsAPI class if you prefer, instead of using a keys.php file. The keys.php file should be placed in the /src directory.


To install with composer run the following command composer require coinpaymentsnet/coinpayments-php and then include the following line in your project where you want to use the wrapper’s classes.

Note the /examples directory does not use composer autoloading.

When using composer to autoload classes you should define your keys.php file outside of your vendor directory, as not to overwrite it when upgrading packages.

Previewing the scripts in the /examples directory in your browser is possible once you have setup the public and private keys in the keys.php file. This obviously requires the ability to serve these example PHP files with a web server like Apache. See additional testing notes below for interacting with these examples and your account. Some examples require you to populate initial variables in the example file in order to execute the scripts found within.

The simplest example is retrieving basic account information.

A full population of the keys.php file is required in order to run the PHPUnit tests in the test folder and preview the scripts in the /examples directory. The different requirements for testing commands are described below with the commands shown in the format:

With only the public and private keys populated, the following commands can be tested. Balances and deposit addresses require their respective resources to have been deposited (funds), updated (coin acceptance settings) or created (addresses) on your account in order for their commands to return non-empty results.

  • get_basic_info | GetBasicInfo()
  • rates | GetRates() , GetRatesWithAccepted() , GetShortRates() , GetShortRatesWithAccepted
  • balances | GetCoinBalances() , GetAllCoinBalances()
  • get_deposit_address | GetDepositAddress()
  • get_callback_address | GetOnlyCallbackAddress() , GetCallbackAddressWithIpn()
  • convert_limits | GetConversionLimits()

Note that the get_callback_address command and functions above would also need an IPN URL setup in your account or passed with the command should you wish to test your server being notified of payment to the returned address. More information is available here in our documentation for the Instant Payment Notification system.

The additional variables (those below the API keys) require setting up a second developer account to test the following commands, assuming the currency is LTCT. Alternatively these commands could also be tested with access other addresses or wallets capable of receiving and sending the currency you are testing with, as long as that currency is supported by the platform. See supported coins here.

  • create_transaction | CreateSimpleTransaction() , CreateSimpleTransactionWithConversion() , CreateComplexTransaction() , CreateCustomTransaction()
  • create_transfer | CreateMerchantTransfer()
  • get_withdrawal_history | GetWithdrawalHistory()
  • get_withdrawal_info | GetWithdrawalInformation()
  • create_withdrawal & create_mass_withdrawal | CreateWithdrawal() & CreateMassWithdrawal() * using address only, not $PayByName, see below.

Currently our API does not allow for testing of the coin conversion or $PayByName commands without access to production assets, so the following commands do require production environment data on the platform to be available. For example unclaimed and claimed $PayByName tags or currency in two convertible coins. These tests have been run by our development team with the production environment data (assets) to include these commands in code testing coverage. It is still recommended these commands be tested with the production environment before being published as part of any integration. This would require small amounts of mainnet coins for converting and the purchase of at least one $PayByName tag to claim, send funds to and retrieve information on (for the testing of all possible commands).

  • convert | ConvertCoins()
  • get_conversion_info | GetConversionInformation()
  • get_pbn_info | GetProfileInformation()
  • get_pbn_list | GetTagList()
  • update_pbn_tag | UpdateTagProfile()
  • claim_pbn_tag | ClaimPayByNameTag()
  • create_transfer | CreatePayByNameTransfer()
  • create_withdrawal & create_mass_withdrawal | CreateWithdrawal() & CreateMassWithdrawal() * using $PayByName instead of address

To run the tests from the /tests directory, run this command: phpunit CoinpaymentsAPITest with your chosen flags for output type. Alternatively you can configure an IDE, like PHPStorm to run the tests in CoinpaymentsAPITest.php for you. In development of this wrapper we used PHPUnit v7.3.1.

Test transactions done with any mainnet coin incur regular transaction and network fees, which is why we highly recommend using LiteCoin Testnet (LTCT) when testing your API integration.

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