Bitcoin payment processor guide
Find Bitcoin and Lightning payment processors for real merchant checkout.
Bitcoin and Lightning payments can reduce card-network dependency, lower fees and open cross-border checkout options. Compare hosted gateways, self-hosted tools and providers that can settle in bitcoin or fiat.
9 processors to compare
Review pricing model, risk fit and best-use notes before you apply.
Best-fit filters
- Lightning support: Prioritize providers built for instant low-value payments if checkout speed matters.
- Self custody: BTCPay-style options maximize control, while hosted processors reduce operational work.
- Volatility: If you price in fiat, compare automatic conversion and settlement timing carefully.
BitPay
The original crypto payment processor for serious merchants.
- Starting rate
- 1% + 25¢
- Monthly fee
- None
NOWPayments
300+ coins, non-custodial, built for crypto-native businesses.
- Starting rate
- 0.5%
- Monthly fee
- None
BTCPay Server
Free, open-source, self-hosted Bitcoin payments. No middleman at all.
- Starting rate
- 0% (self-hosted)
- Monthly fee
- None
Square
Simple all-in-one for retail, restaurants and services
- Starting rate
- 2.6% + 10¢
- Monthly fee
- $0
OpenNode
Bitcoin payments with instant conversion
- Starting rate
- 1%
- Monthly fee
- $0
Zaprite
Bitcoin checkout and invoicing for your whole stack
- Starting rate
- 0%
- Monthly fee
- $25
IBEXPay
Bitcoin and Lightning payments for merchants
- Starting rate
- 0.8%
- Monthly fee
- $0
Lightning Checkout
Self-hosted Lightning checkout for WooCommerce
- Starting rate
- 0.5%
- Monthly fee
- $0
Coinsnap
Bitcoin and Lightning payments for websites
- Starting rate
- 1%
- Monthly fee
- $0