Comparison · Updated October 27, 2026
Comgate vs GoPay for Czech e-shops
Comgate
B
Comgate is a Czech payment institution, licensed and supervised by the Czech National Bank, that sells an online payment gateway for e-shops and card terminals for shops and restaurants. Its legal entity is Comgate a.s., registered in Hradec Králové, with a second office in Prague. It is also a Visa and Mastercard card acquirer, so for most merchants the payment contract is signed directly with Comgate rather than a bank. As of October 2026 it publishes full price lists in Czech crowns (and euro lists for Slovakia). On the Easy plan you pay a flat 1% on EU consumer cards and 2% on other cards. On the Profi plan you pay 0.67% + CZK 1 on EU consumer cards, with higher rates for business and non-EU cards. New merchants get introductory rates for three months, and first-time card merchants can use a Start plan that is free up to CZK 50,000 a month for six months. The gateway's CZK 100 monthly fee is waived above CZK 100,000 of monthly volume. Payouts go out every working day, usually the day after the purchase. The contract has no fixed term and can be ended on two months' notice with no fee. Comgate signs merchants based in the Czech Republic and Slovakia; businesses elsewhere are assessed case by case. It accepts Visa and Mastercard, not American Express. Independent review data is thin: Firmy.cz shows 3.3 out of 5 from 57 ratings, and we found no regulatory enforcement naming the company.
GoPay
B-
GoPay is an online payment gateway for e-shops in the Czech Republic and Slovakia, based in České Budějovice. Worldline bought a 53% stake in 2020 and, according to the Czech company register, became sole owner in October 2022. Since 1 April 2025 GoPay has operated as GoPay Czech, the Czech branch of Worldline NV of Belgium, and is licensed by the National Bank of Belgium as a payment institution. As of October 2026 its pricing page offers two plans for new merchants. Both charge a flat 0.95% per card, bank-transfer or QR payment with no fixed fee, after a free introductory period. The Growth plan also has a CZK 80 monthly fee in any month with CZK 50,000 or less in volume. Settlement to your bank costs CZK 10, a chargeback CZK 990 and a refund CZK 5. Your plan price is written into your registration form, and GoPay's terms say an individual agreement overrides its general fee schedule. That schedule, in a version effective 1 November 2026, lists much higher default card fees of about 2.15% to 2.30% + CZK 3 and applies to anything your form does not set. GoPay offers more than 50 payment methods, including Czech bank buttons, QR payments, Apple Pay, Google Pay, PayPal and pay-later options. It says 19,823 merchants use it and that it handled CZK 98.7 billion in 2024. There is no fixed contract term and no cancellation fee. However, the terms let GoPay set reserves at its own discretion and end the contract within three months of signing without giving a reason. Its Trustpilot rating is poor, though from only 26 reviews.
VS
Overview
We compare the two for a Czech e-shop taking online card payments in CZK, using each provider's published Czech price lists as of October 2026. For Comgate that means its self-serve Easy and Profi plans (plus Start for first-time card merchants). For GoPay it means the Start and Growth plans on its pricing page. Figures are standard rates after any introductory offer, on EU-issued consumer Visa and Mastercard cards, which Comgate says make up about 95% of card volume. Both are Czech-market payment institutions: Comgate a.s. is licensed by the Czech National Bank, and GoPay has operated since April 2025 as GoPay Czech, the Czech branch of Worldline NV, regulated by the National Bank of Belgium. Both are on the same VAT basis: payment services are VAT-exempt in the Czech Republic. GoPay's fee schedule says all its fees are exempt, and Comgate's help centre says its transaction fees are exempt under the Czech VAT Act. The headline rates are close. Comgate Easy charges 1% and Profi 0.67% + CZK 1. GoPay charges 0.95% with no fixed fee, a CZK 80 monthly fee in months up to CZK 50,000 and CZK 10 for each settlement to your bank. Profi is cheaper than GoPay once the average order passes about CZK 360; below that GoPay is cheaper. Comgate pays out every working day at no charge. GoPay settles monthly unless you choose otherwise, and charges for each settlement. GoPay has the richer introductory offer for shops already selling and a free official WooCommerce plugin; for first-time card merchants signing now, Comgate's six free months outlast the roughly five GoPay can give before its government-backed scheme ends on 31 March 2027. Comgate has cheaper pay-in-three, lets you surcharge business and non-EU cards, and runs its own terminals. Both contracts are open-ended with two months' notice and no exit fee. Payment Review grades Comgate B and GoPay B-.
Key Takeaways
- ✓It depends on your average order. On EU consumer cards, Comgate Profi (0.67% + CZK 1) beats GoPay (0.95%) above an average order of about CZK 360, and GoPay beats Profi below it. Comgate Easy's 1% is above GoPay's 0.95% at every order size.
- ✓Comgate pays out every working day at no charge. GoPay settles monthly by default, and each settlement to your bank costs CZK 10 whether you settle monthly, weekly or daily, so daily settlement costs roughly CZK 220 to 300 a month.
- ✓For shops already selling, GoPay's offer is stronger: free for 90 days or the first CZK 500,000, against Comgate's 0.6% (Easy) or 0.47% + CZK 1 (Profi) on the first CZK 1,000,000. For first-time card merchants, both waive card fees on up to CZK 50,000 a month, but GoPay's offer ends with the government scheme on 31 March 2027, so a shop signing now gets about five months there against Comgate's six.
- ✓Comgate is cheaper on pay-in-three (1% on Easy, 1.9% on Profi, against GoPay's 1.99%). It also offers more pay-later and instalment partners, and lets you surcharge business and non-EU cards, which GoPay's terms forbid.
- ✓Both charge CZK 990 per chargeback and CZK 5 per refund, and neither has a fixed term or an exit fee. Comgate publishes weekday phone and chat hours (8:00 to 20:00); GoPay gives a phone line and email but no opening hours.
Comgate
Comgate suits an established Czech e-shop that wants its money every working day at no charge, has an average order above about CZK 360 (where Profi is cheapest), sells pay-in-three or instalment plans, or wants in-store terminals from the same provider. Its whole contract, terms and every price list are public.
GoPay
GoPay suits a shop with many small orders, where its 0.95% with no fixed fee beats Comgate on every plan, and an established shop new to GoPay that wants the biggest free allowance (90 days or CZK 500,000). It also suits WooCommerce shops that want a free official plugin. Get every fee in your registration form, because GoPay's general fee schedule lists much higher default card rates for anything the form does not set.
The Verdict
It Depends on Your Needs
Why?
On price the two are close, and the winner turns on order size. On EU consumer cards Comgate's Profi plan is cheaper than GoPay above an average order of about CZK 360, and GoPay's flat 0.95% is cheaper below it. Comgate's Easy plan's 1% is slightly above GoPay's 0.95% at every size. Outside the card rate, Comgate pays out every working day at no charge. It is cheaper on pay-in-three, offers instalment loans, lets you surcharge business and non-EU cards and rents its own terminals. GoPay settles monthly unless you change it, and charges CZK 10 for each settlement. In its favour, GoPay has the richer introductory offer for shops already selling, a smaller monthly fee that stops at a lower volume, and a free official WooCommerce plugin. Its general fee schedule lists much higher default card rates, so a GoPay merchant should check that the registration form sets every fee. An established shop with mid-sized or larger orders that wants daily cash flow will usually do better on Comgate. A shop with many small orders, or an established shop that wants GoPay's 90 days or CZK 500,000 free, may do better on GoPay. For a first-time card merchant signing now, Comgate's six free months outlast GoPay's, which end with the government card scheme on 31 March 2027.
Feature by feature
Detailed Comparison
Filter Options
Online card pricing (Czech e-shop, CZK, standard rates, October 2026)
| Feature | Comgate | GoPay |
|---|---|---|
| EU consumer cards | Easy 1%; Profi 0.67% + CZK 1 | 0.95% (Start and Growth) |
| Rates after the introductory offers end, on EU-issued consumer Visa and Mastercard cards including Apple Pay and Google Pay. Comgate's Easy and Profi price lists (2026 editions) list 1% + CZK 0 and 0.67% + CZK 1. GoPay's pricing page lists 0.95% + CZK 0 on both plans and says the rate does not change with volume or payment type. GoPay's terms say the rate written into your registration form overrides its general fee schedule. That schedule lists default consumer-card fees of 2.10% to 2.33% + CZK 3 in the version in force since 25 August 2024, and 2.15% to 2.30% + CZK 3 in the version taking effect on 1 November 2026, for anything the form does not set. Per transaction, Profi is cheaper than GoPay above about CZK 360 and dearer below it; Easy is always 0.05 points dearer than GoPay. Both are on the same VAT basis. GoPay's fee schedule says all its fees are exempt from VAT; Comgate's terms say its fees do not contain VAT, and its help centre says its transaction fees are VAT-exempt under the Czech VAT Act, as payment services generally are. | ||
| EU business and non-EU cards | Easy 2%; Profi 2% + CZK 1 to 3.4% + CZK 4.50 | 0.95% per pricing page; confirm in registration form |
| Comgate prices these separately. Easy charges 2% on business and other EU cards and on all non-EU cards. Profi charges 2% + CZK 1 on EU business cards, 2.7% + CZK 4.50 on non-EU consumer cards and 3.4% + CZK 4.50 on non-EU business cards. Comgate also adds 0.15% when a card is paid in a currency other than your domestic one. GoPay's pricing page lists one card rate and says the price does not vary by payment type. Its general fee schedule, however, lists 2.1% to 4.4% + CZK 3 for cards outside the consumer categories (2.14% to 4.68% + CZK 3 from 1 November 2026), so confirm in your registration form which rate applies. GoPay turns off cards from outside Europe by default and enables them only after risk approval; Comgate's terms make cards issued outside the EEA subject to approval. | ||
| Monthly fee | CZK 100, waived above CZK 100k a month | CZK 80 in months up to CZK 50k Winner |
| Comgate charges CZK 100 a month for the gateway unless that month's volume across your gateway and terminals exceeds CZK 100,000; a second and further e-shop is free. The Start plan waives it for the first six months. GoPay's Growth plan charges CZK 80 in any month with CZK 50,000 or less, and nothing above that; Start waives it for 12 months. GoPay charges less and stops charging at a lower volume. GoPay's general fee schedule lists CZK 190 a month below CZK 50,000, so check that the registration form sets the CZK 80 plan fee. | ||
| Chargeback / refund | CZK 990 / CZK 5 | CZK 990 / CZK 5 |
| Identical on the published plans. Skipping 3D Secure is an optional CZK 0.30 service on both. GoPay's fee schedule limits it to card payments up to CZK 700 that GoPay decides not to send through 3D Secure, and says GoPay carries the chargeback liability on them. | ||
EU consumer cards
Comgate
Easy 1%; Profi 0.67% + CZK 1
GoPay
0.95% (Start and Growth)
Rates after the introductory offers end, on EU-issued consumer Visa and Mastercard cards including Apple Pay and Google Pay. Comgate's Easy and Profi price lists (2026 editions) list 1% + CZK 0 and 0.67% + CZK 1. GoPay's pricing page lists 0.95% + CZK 0 on both plans and says the rate does not change with volume or payment type. GoPay's terms say the rate written into your registration form overrides its general fee schedule. That schedule lists default consumer-card fees of 2.10% to 2.33% + CZK 3 in the version in force since 25 August 2024, and 2.15% to 2.30% + CZK 3 in the version taking effect on 1 November 2026, for anything the form does not set. Per transaction, Profi is cheaper than GoPay above about CZK 360 and dearer below it; Easy is always 0.05 points dearer than GoPay. Both are on the same VAT basis. GoPay's fee schedule says all its fees are exempt from VAT; Comgate's terms say its fees do not contain VAT, and its help centre says its transaction fees are VAT-exempt under the Czech VAT Act, as payment services generally are.
EU business and non-EU cards
Comgate
Easy 2%; Profi 2% + CZK 1 to 3.4% + CZK 4.50
GoPay
0.95% per pricing page; confirm in registration form
Comgate prices these separately. Easy charges 2% on business and other EU cards and on all non-EU cards. Profi charges 2% + CZK 1 on EU business cards, 2.7% + CZK 4.50 on non-EU consumer cards and 3.4% + CZK 4.50 on non-EU business cards. Comgate also adds 0.15% when a card is paid in a currency other than your domestic one. GoPay's pricing page lists one card rate and says the price does not vary by payment type. Its general fee schedule, however, lists 2.1% to 4.4% + CZK 3 for cards outside the consumer categories (2.14% to 4.68% + CZK 3 from 1 November 2026), so confirm in your registration form which rate applies. GoPay turns off cards from outside Europe by default and enables them only after risk approval; Comgate's terms make cards issued outside the EEA subject to approval.
Monthly fee
Comgate
CZK 100, waived above CZK 100k a month
GoPay
CZK 80 in months up to CZK 50k
Winner
Comgate charges CZK 100 a month for the gateway unless that month's volume across your gateway and terminals exceeds CZK 100,000; a second and further e-shop is free. The Start plan waives it for the first six months. GoPay's Growth plan charges CZK 80 in any month with CZK 50,000 or less, and nothing above that; Start waives it for 12 months. GoPay charges less and stops charging at a lower volume. GoPay's general fee schedule lists CZK 190 a month below CZK 50,000, so check that the registration form sets the CZK 80 plan fee.
Chargeback / refund
Comgate
CZK 990 / CZK 5
GoPay
CZK 990 / CZK 5
Identical on the published plans. Skipping 3D Secure is an optional CZK 0.30 service on both. GoPay's fee schedule limits it to card payments up to CZK 700 that GoPay decides not to send through 3D Secure, and says GoPay carries the chargeback liability on them.
Best For Your Business
Recommendations based on your business type
Established e-shop with an average order above about CZK 360
Recommended
Comgate
On Comgate's Profi plan, CZK 200,000 a month in CZK 1,000 orders costs CZK 1,540, against CZK 1,910 on GoPay with one monthly settlement. Comgate also pays out every working day at no charge.
Shop with many small orders (under about CZK 360)
Recommended
GoPay
GoPay's 0.95% with no fixed fee beats both Comgate plans here: CZK 200,000 in CZK 200 orders costs CZK 1,910 on GoPay with one monthly settlement, CZK 2,000 on Comgate Easy and CZK 2,340 on Profi.
New business taking cards for the first time
Both waive card fees on up to CZK 50,000 a month. Comgate's Start plan gives six months. GoPay's Start plan gives up to 12, but its discount ends with the government scheme on 31 March 2027, so a shop signing now gets about five. Compare what each charges once the free period ends: 0.95% on GoPay, and Easy (1%) on Comgate unless you ask for Profi.
Shop that needs daily cash flow
Recommended
Comgate
Comgate pays out every working day and charges nothing for CZK payouts to a Czech bank. GoPay settles monthly by default, and daily settlement costs CZK 10 each time, roughly CZK 220 to 300 a month.
Shop selling higher-value goods on pay-in-three or instalments
Recommended
Comgate
Comgate charges 1% (Easy) or 1.9% (Profi) for pay-in-three against GoPay's 1.99%. It also offers instalment loans through Cofidis, ESSOX and Home Credit, which we did not find on GoPay.
WooCommerce shop that wants an official plugin
Recommended
GoPay
GoPay publishes its own free WooCommerce plugin. Comgate relies on third-party modules, some of them paid, or your own integration on its API.
Comgate: Best for 3 use cases
GoPay: Best for 2 use cases
Frequently Asked Questions
Common questions about this comparison
It depends on your average order and which Comgate plan you choose. On EU consumer cards, after the introductory offers, GoPay charges 0.95%, Comgate Easy 1% and Comgate Profi 0.67% + CZK 1. Profi is cheaper than GoPay once the average order is above about CZK 360, and GoPay is cheaper below that. Easy's 1% is slightly above GoPay's 0.95% at any size, though daily GoPay settlement can tip the monthly total the other way. GoPay also charges CZK 80 in months up to CZK 50,000 and CZK 10 for each settlement to your bank. Comgate charges CZK 100 in months up to CZK 100,000 and pays out for free. This is as of October 2026.
Both are VAT-exempt, so the listed fees are what you pay. GoPay's fee schedule says all its fees are exempt from VAT. Comgate's terms say its fees do not contain VAT, its price lists say the prices are final and include all fees, and its help centre says its transaction fees are exempt from VAT under the Czech VAT Act. Add-ons bought through Shoptet are priced excluding 21% VAT.
Comgate pays gateway takings out every working day at no charge. CZK card payments are paid out one or two working days after the purchase, depending on the card scheme. GoPay settles monthly by default. You can switch to weekly or daily, but each settlement costs CZK 10, roughly CZK 220 to 300 a month if you settle daily. Each automatic settlement also waits a per-account delay so that GoPay pays out only money it has received. A manual GoPay settlement entered before 10:00 on a working day is sent that day.
Neither has a fixed term or a cancellation fee. Comgate's contract can be ended on two months' notice, counted from the first day of the month after the notice arrives. GoPay accepts two months' notice under its terms, or an agreed end date requested by email. Its account terms also let you close the account without giving a reason once you owe nothing. Both providers can also end the contract on two months' notice. GoPay can withdraw without giving a reason within three months of signing.
Both work with Shoptet through a paid add-on, CZK 200 a month excluding VAT on Shoptet's store. GoPay's listing says it refunds the CZK 200 as a compensation bonus. For WooCommerce, GoPay publishes its own free plugin. Comgate points merchants to third-party modules, such as those from Toret, Wpify and Platiti.cz, or to its API.
GoPay is part of Worldline. Worldline bought a 53% majority stake in September 2020 and the remaining 47% in 2022. Since 1 April 2025 GoPay has operated as GoPay Czech, the Czech branch of Worldline NV, regulated as a payment institution by the National Bank of Belgium. Worldline's 2026 updates describe moving its Ogone small-business merchants onto GoPay. Comgate a.s. is a Czech payment institution based in Hradec Králové and licensed by the Czech National Bank. It says it is a principal member of Visa and Mastercard and acquires card payments itself. Its website does not name its shareholders.
Yes, both offer pay-later. Comgate offers deferred payment through Twisto, Skip Pay and PlatímPak, pay-in-three through Twisto, Skip Pay and ESSOX, and instalment loans through Cofidis, ESSOX and Home Credit. GoPay offers deferred payment and pay-in-three through Twisto and Skip Pay. Fees are 1% on Comgate Easy, 0.4% (deferred) or 1.9% (pay-in-three) on Comgate Profi, and 0.89% or 1.99% on GoPay.