BitPay vs MiraclePay
BitPay
bitpay.comMiraclePay
miraclepay.comSide by side
| Figure | BitPay | MiraclePay |
|---|---|---|
| Price from | $1.53/mo | — |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | Yes | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | — |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 8 | 1 |
| Spec score · Crypto Payment Processors | 9.4 (#1) | 6.9 (#19) |
| Headquarters | Atlanta, Georgia, United States | Amsterdam, Netherlands |
| Payment channels | BitPay supports accepting payments online, in-store, and through email billing. | The site describes hosted checkout, QR payments, and POS payments as merchant payment options. |
| Settlement | Merchants can settle in fiat, crypto or a combination, with fiat deposited to bank accounts in supported countries. | The WooCommerce merchant flow settles in USD, subject to onboarding and account configuration. |
| Support | BitPay directs users to its Support Center and offers assistance through the BitBot support interface. | The contact page lists support hours as Monday–Friday, 10:00 AM–6:00 PM CET, and provides a phone number and email address. |
| What it does | BitPay provides crypto payment acceptance, payouts, invoicing, settlement and self-custody wallet tools for businesses and individuals. | MiraclePay provides merchant payment infrastructure for customers to pay with crypto online or in person, with payment status, settlement, and reconciliation in one merchant flow. |
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.
MiraclePay
MiraclePay provides merchant infrastructure for accepting cryptocurrency payments online or in person. Its flow combines payment status, settlement, and reconciliation. Hosted checkout lets customers choose an available asset, pay from a supported wallet, and follow confirmation without creating a separate MiraclePay account. Merchant channels include hosted checkout, dynamic QR payments, and Ingenico POS. Eligible U.S. merchants can add a WooCommerce plugin after approval and KYB. That flow lists BTC, ETH, USDT, USDC, SOL, and XRP, although final assets and networks depend on the approved account, and settlement is in USD subject to onboarding and configuration. The listed WooCommerce fee is priced on request, billed per transaction; account-specific terms are confirmed during onboarding. Some states, including New York State, may be excluded. The plugin is described for DTC ecommerce, high-ticket stores, and cross-border sellers. Other pricing is available on request.