BitPay vs Privacy.com
BitPay
bitpay.comPrivacy.com
privacy.comSide by side
| Figure | BitPay | Privacy.com |
|---|---|---|
| Price from | $1.53/mo | $5/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | Yes | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 8 | 7 |
| Spec score · Payment Processing Software | 9.5 (#1) | 8.3 (#18) |
| API | The REST API covers invoices, refunds, bills, exchange rates and ledgers, with signed BitAuth requests using secp256k1 identities. | The developer API supports creating and configuring virtual cards, retrieving real-time payment data, setting card permissions, and setting spending limits. |
| Company history | BitPay says it was founded in 2011. | Privacy says it began working on the product in 2014 and identifies Lithic as its broader company. |
| Founded | 2011 | 2014 |
| Integrations | BitPay lists integrations and plugins for Shopify, WooCommerce, Magento, BigCommerce, and other ecommerce platforms. | The site links browser extensions for Chrome, Safari, Edge, and Firefox, plus iOS and Android apps; paid Plus and higher plans include API access. |
| Security | BitPay's Trust Center lists SOC 3, SOC 1 Type 2, SOC 2 Type 2, NY DFS cybersecurity requirements, and DORA information. | Privacy states it is PCI-DSS compliant, ISO 27001 compliant, and SOC 1 and SOC 2 Type 2 certified. |
| Support | BitPay directs users to its Support Center and offers assistance through the BitBot support interface. | Privacy provides a support center with articles on account setup, cards, funding sources, limits, disputes, fraud protections, and business use. |
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
Privacy.com
- PersonalFree
- Plus$5 a month
- Pro$10 a month
- Premium$25 a month
- Plus$60 a year
- Pro$120 a year
- Premium$300 a year
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.
Privacy.com
Privacy.com creates virtual payment cards that mask the payment information a user would otherwise share for online transactions. Cards lock to their first merchant, so they cannot be used elsewhere if stolen or compromised. A card can also be set to close after one transaction, or given transaction, monthly, yearly, or total spending limits; charges above a limit are declined. Users can pause or close cards at any time. The free Personal plan allows 12 new cards each month. Paid plans start at $5 a month: Plus adds API access, while Pro includes up to three open Everywhere Cards and 1% cashback on eligible transactions up to $4,500 per month. The service has web, iOS, Android, and browser extension access; paid Plus and higher plans include an API for creating and configuring cards, retrieving real-time payment data, and setting permissions and limits. To transact, users must be US citizens or legal residents aged 18 or older with a checking account at a US bank or credit union, and must pass identity verification.