Gate Pay Depth Analysis: Redefining Your Encryption Payment Experience

In today's increasingly mature digital economy, using Crypto Assets for everyday payments is no longer exclusive to technical experts. As an important part of the globally leading Crypto Assets trading platform Gate ecosystem, Gate Pay is redefining the experience of digital asset trading with its secure and convenient encryption payment solutions.

Whether it's online shopping, cross-border transactions, or offline consumption, Gate Pay allows every user to easily complete crypto assets payments, truly achieving a seamless connection between digital assets and daily life.

01 What is Gate Pay? Unveiling the Veil of Innovative Payment

Gate Pay is a payment component integrated into the Gate trading platform, allowing users to purchase goods and services using Crypto Assets directly at merchants that support Gate Pay.

Unlike traditional payment methods, Gate Pay combines the advantages of a rich variety of coins on the Gate platform, convenient transactions, and fast transfers.

It is essentially a non-contact, cross-border, secure, free, and fast encryption payment technology. Users only need to register a Gate platform account to use the Gate Pay product, which provides various services such as online shopping, flight and hotel bookings, and leisure and entertainment from third-party merchant partner platforms.

02 Core Functions, Supporting Diverse Payment Scenarios

The design of Gate Pay fully considers the actual needs of users, providing flexible and diverse payment methods to meet payment requirements in different scenarios.

• Multi-terminal comprehensive support: Fully supports various terminal types such as APP, WEB, WAP, MINIAPP, allowing users to smoothly complete payments regardless of the device used.
• Two payment methods to choose from: Users can pay by scanning the QR code using the Gate App, or they can directly enter the password in the Web payment component to complete the payment, accommodating different user habits.
• Borderless payment experience: With the help of blockchain technology, Gate Pay enables contactless, cross-border, secure, free, and fast Crypto Assets payments, breaking the geographical limitations of traditional finance.

03 Country Code Function: A Perfect Combination of Global Layout and Localized Services

In October 2025, Gate Pay launched an innovative country code feature, initially supporting two important markets: Vietnam and Brazil. Users can directly use Crypto Assets to complete QR code payments at over 17 million merchants in both countries that support the national QR code system.

In Vietnam, Gate Pay collaborates with authorized partner AEON to support the VietQR system, currently covering over 2 million merchants. Users can simply use Gate Pay to scan the VietQR QR code provided by merchants for payment with stablecoins such as USDT and USDC during their daily purchases, without the need for intermediary fiat currency conversion or additional procedures.

In Brazil, Gate Pay also supports the instant payment network Pix launched by the country's central bank. Since its launch in 2020, the system has become one of the most mainstream payment methods in Brazil, covering over 15 million merchants and 170 million users.

By integrating the Pix network through Gate Pay, users in Brazil can use Crypto Assets for payments in familiar ways in everyday scenarios, from coffee shops and restaurants to tuition and bills, all completed with one click.

The launch of the country code feature allows Gate Pay to automatically identify the user's country during transactions, intelligently matching the optimal payment channels and settlement methods.

The entire process does not require users to switch settings or convert coins; the system can automatically complete exchange rate matching and payment verification, achieving a one-click scan for use, on-chain instant settlement, and an experience with ultra-low fees.

04 How does Gate Pay work? In-depth analysis of the payment process

Understanding the workflow of Gate Pay can help you complete payments more smoothly. Its core payment process mainly includes the following steps:

1. The user creates an order on the merchant's website and sends a request to the merchant's backend.
2. The merchant's backend generates a signature, requesting GatePay to create a prepayment order.
3. After the backend verification of parameters and signatures on Gate, a prepayment order is generated and returned to the merchant.
4. The merchant's backend returns order information and parameters to the Web frontend.
5. The front end jumps to the Gate Web payment component and displays the payment information.
6. Users complete the payment by scanning the code with the Gate App or by directly entering the password in the Web component.
7. After the payment is completed, GatePay will asynchronously notify the merchant backend and display the payment result in the Web component.

This process ensures that the entire procedure from placing an order to payment is conducted in a secure and controllable environment.

05 Security Design, Protecting Every Transaction

Security has always been the primary consideration for the Gate series of products. Gate Pay inherits the multiple security mechanisms of the Gate ecosystem.

• Encryption technology guarantee: Uses HTTPS communication protocol and ECDH key agreement algorithm to ensure the security of user data during transmission.
• Signature verification: All payment requests need to generate a digital signature to prevent parameter tampering.
• Asynchronous notification mechanism: Payment results will be notified to merchants through asynchronous notifications, while the payment component will display the order status changes in real time.
• Order Status Monitoring: The GatePay backend will send notifications to the callback address provided by the merchant when the order status changes (such as payment success, payment timeout, order cancellation, etc.).

Gate Pay relies on Gate's years of accumulated security risk control system and encryption infrastructure, ensuring transparency and reliability in the payment process through end-to-end encryption transmission and real-time risk monitoring.

06 Comparison with Traditional Electronic Payments, Advantages are Obvious

Compared to traditional electronic payment, Gate Pay has significant advantages:

• Lower fees: Traditional electronic payment deductions account for about 2% - 4% of the total amount, while Gate Pay's service itself is completely free, making it more competitive compared to traditional banks that charge fees from each transaction.
• Faster transaction speed: Cross-border payments are processed within seconds, while international payments can take days compared to traditional methods.
• Fewer intermediaries: By reducing the number of intermediary institutions, transaction costs have been significantly lowered.
• No borders: unrestricted by geography and time, truly achieving global payments.

Traditional electronic payments require multiple intermediaries to process transactions, with each link taking a portion of the handling fees.

Gate Pay is a cryptocurrency payment product based on blockchain technology, and the biggest difference from traditional electronic payment is that Gate Pay does not play the role of a payment intermediary.

Instead, it provides a series of foundational frameworks to assist merchants in directly connecting their business backend with the blockchain network, where miners or validator nodes on the blockchain handle cash flow and settlement operations.

07 How to Use Gate Pay: Easy Start Guide

To use Gate Pay, the preparation work is very simple:

• A Gate account that has passed KYC verification
• Ensure that you have sufficient asset balance in your Gate account.
• It is recommended to download and install the Gate App to use the QR code payment feature.

The payment process is also very smooth:

1. Create an order: Select goods or services on the merchant website that supports Gate Pay and create an order.
2. Select Payment Method: Choose Gate Pay from the payment options.
3. Redirect to payment page: The page will automatically redirect to the GatePay payment component.
4. Complete Payment: Use the Gate App to scan the QR code on the page to complete the payment, or directly enter the payment password in the Web payment component to confirm the transaction.
5. Obtain payment results: After a successful payment, the page will display the payment result, and you will receive a notification of the successful transaction.

08 Future Outlook: Development Direction of Gate Pay

As Gate continues to improve its product line, Gate Pay will also continue to evolve, providing users with more comprehensive payment solutions.

In the future, Gate Pay plans:

• Continue to expand the support range of country codes, covering more emerging markets and major economies.
• Introduce more compatibility of stablecoins with mainstream chains
• Provide users with a peer-to-peer Crypto Assets payment service
• Increase the supported Crypto Assets to over 130 types.
• Supports real-time settlement to local fiat currency.

The launch of the national code functionality is an important step for Gate in advancing the All in Web3 strategy.

Gate is committed to bringing the real value of blockchain technology into global life scenarios by connecting local payment infrastructure, allowing encryption payments to enter the daily lives of the public and becoming a key bridge between traditional finance and the decentralized world.

Future Outlook

From online shopping to offline scanning, from domestic consumption to cross-border payments, Gate Pay is gradually breaking down the barriers between the crypto world and the real world. Users only need a Gate account to make payments with crypto assets at over 17 million merchants that support Gate Pay.

As Gate Pay continues to improve its features and expand its coverage, encryption payments are no longer a distant vision but a reality that is happening in everyday life.