BitPay vs BTCPay Server
BitPay
bitpay.com
BTCPay Server
btcpayserver.orgSide by side
| Figure | BitPay | BTCPay Server |
|---|---|---|
| Price from | $1.53/mo | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | Yes | Yes |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 8 | 2 |
| Spec score · Crypto Payment Processors | 9.4 (#1) | 8.8 (#2) |
| API | The REST API covers invoices, refunds, bills, exchange rates and ledgers, with signed BitAuth requests using secp256k1 identities. | The Greenfield API is a versioned REST API for stores, invoices, users, automation, and client-library development. |
| Documentation | Developer documentation includes getting-started guides, ecommerce plugins, checkout integration, webhooks, SDK references and a changelog. | The documentation is organized into user, operator, and developer tracks covering deployment, wallets, Lightning, POS, APIs, plugins, and troubleshooting. |
| Funding | LinkedIn says BitPay raised more than $70 million from investors including Index Ventures, Aquiline, Menlo Ventures, Founders Fund and Richard Branson. | Crunchbase records three grant funding rounds and lists Kraken among the investors, while amounts are obscured on the public page. |
| Integrations | BitPay lists integrations and plugins for Shopify, WooCommerce, Magento, BigCommerce, and other ecommerce platforms. | The project lists integrations including WooCommerce, Shopify, Drupal, Magento, and PrestaShop. |
| Rating on Trustpilot | 1.2 out of 5 from 299 reviews. | 3.0 out of 5 from 3 reviews. |
| Security | BitPay's Trust Center lists SOC 3, SOC 1 Type 2, SOC 2 Type 2, NY DFS cybersecurity requirements, and DORA information. | Using an existing wallet for on-chain transactions requires public wallet information rather than the master private key. |
| Support | BitPay directs users to its Support Center and offers assistance through the BitBot support interface. | The project directs users to its documentation, GitHub, and community channels for help. |
| System requirements | The Android app requires Android 11 or newer; BitPay recommends current iOS, Android or Apple-silicon Mac devices. | The current specification guide suggests a Linux host with root access, 4 GB RAM, two virtual CPUs, and at least 50 GB usable SSD for a small Bitcoin-only deployment. |
| What it does | BitPay provides crypto payment acceptance, payouts, invoicing, settlement and self-custody wallet tools for businesses and individuals. | BTCPay Server is a self-hosted cryptocurrency payment processor that lets merchants receive Bitcoin directly into connected wallets without intermediaries. |
Plans
BitPay
- Under $500,000 monthly transaction volumePriced on request
- $500,000–$999,999 monthly transaction volumePriced on request
- At least $1,000,000 monthly transaction volumePriced on request
- BitPay WalletFree
- Crypto acceptance — $500,000–$999,999 monthly volume$1.53 a month
- Crypto acceptance — $1,000,000+ monthly volume$125 a month
- Crypto acceptance — under $500,000 monthly volume$225 a month
- BitPay merchant processingPriced on request
In their own words
BitPay
BitPay provides businesses with tools to accept cryptocurrency payments and send cryptocurrency payouts. Merchants can take payments online, in stores, and through email billing, with tools for ecommerce, donations, and retail. It lists integrations and plugins for Shopify, WooCommerce, Magento, BigCommerce, and other ecommerce platforms. Developers can integrate through BitPay REST APIs and SDKs, or official libraries for Java, Node, PHP, C#, and Python. Customer cryptocurrency payments are converted to local currency, and bank settlement is initiated the next business day; businesses can settle in fiat, cryptocurrency, or a mix of both. Merchant processing fees depend on cumulative monthly transaction volume: 2% + 25¢* below $500,000 USD, 1.5% + 25¢* from $500,000 to $999,999 USD, and 1% + 25¢* at $1,000,000 USD or more. BitPay also offers a free wallet app for mobile and desktop. Its self-custody wallet supports buying, selling, swapping, and storing cryptocurrency, buying gift cards, and paying bills. BitPay was founded in 2011 and is headquartered in Atlanta, Georgia, United States. Bill Pay is available only to US residents.
BTCPay Server
BTCPay Server is self-hosted, open-source software for processing cryptocurrency payments. It describes its service as free, with no subscriptions or transaction fees; payments go directly to merchant-controlled wallets rather than being held by a payment intermediary. Merchants can create invoices, receive payment notifications and export invoices for bookkeeping. Built-in tools include point of sale, tipping buttons, payment links and crowdfunding campaigns, alongside wallet management with hardware wallet support. The Greenfield REST API can connect commerce applications and automate BTCPay instances. Listed checkout options include hosted invoice checkout, payment requests, HTML buttons, e-commerce plugins, point of sale and custom API integrations. Integrations include platforms such as WooCommerce, Shopify, Drupal, Magento and PrestaShop. For on-chain transactions using an existing wallet, public wallet information is used rather than the master private key. Third-party hosted accounts may lack Lightning by default, wallet rescanning and server settings access. It supports web, Linux, self-hosting and API use.