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.
28 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
Strike
Bitcoin payments over Lightning with fiat pricing
- Starting rate
- Low
- Monthly fee
- $0
Voltage
Lightning infrastructure for your own bitcoin payments
- Starting rate
- Custom
- Monthly fee
- $0
Speed
Accept bitcoin and stablecoins at 0% starting fees
- Starting rate
- 0%
- Monthly fee
- $0
CoinGate
Accept 70+ cryptocurrencies with auto-settlement
- Starting rate
- 1%
- Monthly fee
- $0
Flash
Bitcoin-only storefronts, paywalls and paylinks
- Starting rate
- Low
- Monthly fee
- $0
Swiss Bitcoin Pay
Swiss-made Bitcoin checkout for merchants
- Starting rate
- 0.21%
- Monthly fee
- €0
Bitcoinize
Portable handheld POS for Bitcoin payments
- Starting rate
- Custom
- Monthly fee
- $0
Opago Pay
Micro handheld Lightning POS from Germany
- Starting rate
- Custom
- Monthly fee
- €0
Blink
Phone-number-only Bitcoin wallet with merchant POS
- Starting rate
- 0%
- Monthly fee
- $0
Wallet of Satoshi
Simplest Lightning wallet with a POS app
- Starting rate
- 0%
- Monthly fee
- $0
ForumPay
Enterprise crypto payments for regulated markets
- Starting rate
- Custom
- Monthly fee
- Custom
LightningPay
Hosted Lightning checkout for online stores
- Starting rate
- 1%
- Monthly fee
- $0
LNbits
Open-source Lightning toolkit and paywall builder
- Starting rate
- 0%
- Monthly fee
- $0
Coincharge
Bitcoin and Lightning acceptance, online and in store
- Starting rate
- Custom
- Monthly fee
- Custom
lipa
Accept Bitcoin, settle in EUR or CHF
- Starting rate
- 0.98%
- Monthly fee
- €0
Tiankii
Bitcoin merchant dashboard for Latin America
- Starting rate
- Custom
- Monthly fee
- Custom
Alby
Lightning paywalls and tipping for any website
- Starting rate
- 0%
- Monthly fee
- $0
Musqet
Bitcoin-native card terminal with lower card fees
- Starting rate
- Custom
- Monthly fee
- Custom
DFX Swiss
Fiat and Bitcoin gateway powering Swiss retail
- Starting rate
- Custom
- Monthly fee
- CHF 0
