Payment Processing Software
Alternatives to BitPay
BitPay helps businesses accept cryptocurrency through online checkout, in-store payments, and email billing, then settle in fiat, cryptocurrency, or both. It converts customer crypto to local currency for bank settlement the next business day, while recurring billing, payment links, ecommerce plugins, APIs, and SDKs cover several operating models. Its free self-custody wallet adds crypto buying, selling, swapping, storage, gift cards, and bill payments across mobile and desktop platforms. Supported assets include major cryptocurrencies and stablecoins, with daily payouts available.
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Airwallex Payments It suits eCommerce stores, subscription businesses, online marketplaces, and platforms that need payment acceptance and fund management.
From $12/mo Free plan Web · iOS · Android · API9.4 Visit Specs - 02 Helcim
Helcim suits businesses seeking in-person and online payment processing, invoicing, or recurring billing.
From $0.40/mo Free plan Web · Windows · macOS · iOS9.2 Visit Specs - 03 Kill Bill
Kill Bill may suit online businesses or teams that need a programmable billing platform and control over a self-hosted deployment.
From $9,999/mo Free plan Open source Web · Windows · macOS · Linux9.2 Visit Specs - 04
Midtrans Midtrans suits businesses that need to accept several payment types through websites, apps, or custom integrations.
Free plan Web · iOS · Android · API9.0 Visit Specs - 05
Mollie Mollie suits businesses in Europe and the UK, including ecommerce, franchises, marketplaces, and SaaS businesses.
From €9/mo Free plan Web · iOS · Android · API9.0 Visit Specs - 06
Adyen Adyen is aimed at global businesses handling enterprise payment volume.
Web · iOS · Android · API8.9 Visit Specs - 07
Checkout.com Checkout.com is aimed at businesses that need to accept payments and disburse funds across markets or through varied payment channels.
Free plan Web · iOS · Android · API8.9 Visit Specs - 08 InstaPayments From $25/mo Free trial Web · iOS · Android · API8.9 Visit Specs
- 09 FastSpring Free plan Web · iOS · Android · API8.8 Visit Specs
- 10 Paystack
It suits businesses operating in or serving Africa, from startups and entrepreneurs to large corporations and global brands.
From 1 NGN/mo Free plan Web · iOS · Android · API8.8 Visit Specs - 11 PayFacile From €24/mo Free plan Web · API8.7 Visit Specs
- 12 PaySimple From $49.95/mo Free trial Web · iOS · Android · API8.7 Visit Specs
- 13 Viva.com
It suits businesses needing payment acceptance across physical, online, remote or marketplace channels.
From £3.99/mo Free plan Web · iOS · Android · API8.6 Visit Specs - 14
Checkout Page Checkout Page suits solo founders and small teams selling products, services, subscriptions or event tickets.
From $24.17/mo Free plan Web · iOS · API8.4 Visit Specs - 15 GoCardless Bank Account Data
It suits businesses that need consent-based access to bank account identity, balances and transaction history.
Free plan Web · API8.4 Visit Specs - 16
Global Payments Web · iOS · Android · API8.3 Visit Specs - 17 Privacy.com
Privacy.com suits eligible US adults who want virtual cards with merchant restrictions, spending limits, or one-time use.
From $5/mo Free plan Web · iOS · Android · API8.3 Visit Specs - 18 doxo From $5.99/mo Free plan Web · iOS · Android8.2 Visit Specs
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Kakao Pay Free plan iOS · Android · API8.2 Visit Specs - 20
2C2P Web · iOS · Android · API8.0 Visit Specs - 21 Braintree ACH Direct Debit
It suits eligible merchants accepting payments from US bank accounts who can implement the required custom client-side integration.
From $0.75/mo Web · iOS · Android · API8.0 Visit Specs - 22
CashNotify CashNotify suits desktop users who want payment notifications and revenue estimates across Stripe or PayPal accounts.
Free plan Windows · macOS8.0 Visit Specs - 23
Paycycle Paycycle suits South African businesses and accounting practices using Xero, including businesses managing recurring customer billing.
From 285 ZAR/mo Free plan Web8.0 Visit Specs - 24
Paymattic From $7.92/mo Free plan Web · Self-hosted7.9 Visit Specs - 25 Toast From $69/mo Free plan Web · iOS · Android · API7.9 Visit Specs
- 26 Lightspeed Payments Web · iOS · Android7.8 Visit Specs
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MoonClerk MoonClerk is aimed at organizations collecting recurring or one-time payments, including gyms, nonprofits, landlords, coaches, agencies and SaaS teams.
From $18/mo Free trial Web · API7.8 Visit Specs - 28
Razorpay Payment Gateway Free trial Web · iOS · Android · API7.8 Visit Specs - 29 Square Online From $49/mo Free plan Web7.8 Visit Specs
- 30 CCAvenue Web · iOS · Android · API7.7 Visit Specs
Choosing instead of BitPay
An alternative may fit better when your customers pay through conventional rails, your business needs deeper subscription or invoice controls, or you want card spending safeguards instead of merchant crypto acceptance. BitPay’s merchant fees vary by monthly transaction volume, and Bill Pay is available only to US residents. Compare settlement currencies, payment channels, recurring billing, integrations, developer access, and platform coverage. Also check whether you need a connected provider such as Stripe, ACH acceptance, virtual cards, local payment options, or a broader business-finance service, and whether each pricing model suits your volume.