BTCPay Server
Bronze TierNo KYCBTCPay Server is the gold standard of self-hosted crypto payment processing. Completely free and open source with zero transaction fees. Self-hosted for full data sovereignty, non-custodial with direct wallet payouts, and Lightning Network support for instant Bitcoin payments. Built-in POS terminal and plugins for major e-commerce platforms. The trade-off: you need technical skills to deploy and maintain it.
Last verified March 24, 2026
Fees
Transaction Fee0% (free)
Setup FeeFree (self-hosted)
Monthly FeeFree (self-hosted)
Features
Subscriptions
Invoicing
POS Terminal
API Access
White Label
Mass Payouts
Fiat Settlement
Non-Custodial
Details
Supported CryptoBTC, LTC, XMR, ETH
ChainsLightning, Litecoin, Ethereum
PluginsWooCommerce, Shopify, Magento, PrestaShop, Drupal
Open Source
Self-Hosted
Pros
- Completely free — 0% transaction fees forever
- Fully open source — audit every line of code
- Self-hosted — complete control over your data
- Non-custodial — payments go directly to your wallet
- Built-in POS terminal for in-store payments
- Lightning Network support for instant BTC payments
- 5 e-commerce plugins (WooCommerce, Shopify, etc.)
- Mass payouts via payjoin and payment batching
- No KYC — no third party involved
Cons
- Requires self-hosting — technical setup needed
- Limited altcoin support (BTC, LTC, XMR, ETH only)
- No fiat settlement
- No subscription billing
- Maintenance responsibility falls on you
- No dedicated customer support
- No affiliate program
Best For
Technical merchants who want zero fees, full sovereignty, and complete control over their payment infrastructure
How BTCPay Server Compares
| Feature | BTCPay Server | NOWPayments | Plisio |
|---|---|---|---|
| Tier | Bronze | Gold | Gold |
| KYC Level | No KYC | Minimal KYC | Minimal KYC |
| Transaction Fee | 0% (free) | 0.5% | 0.5% |
| Monthly Fee | Free (self-hosted) | Free (Business plan available) | Free |
| Supported Crypto | BTC, LTC, XMR, ETH | BTC, ETH, USDT, USDC, LTC +5 | BTC, ETH, USDT, USDC, LTC +5 |
| Chains | Lightning, Litecoin, Ethereum | Ethereum, BSC, Tron, Solana +3 | Ethereum, BSC, Tron, Litecoin +1 |
| Subscriptions | |||
| Invoicing | |||
| POS Terminal | |||
| API | |||
| Plugins | WooCommerce, Shopify, Magento, PrestaShop, Drupal | WooCommerce, Shopify, Magento, PrestaShop, WHMCS, OpenCart, Zen Cart | WooCommerce, Shopify, Magento, PrestaShop, OpenCart, WHMCS |
| White Label | |||
| Mass Payouts | |||
| Fiat Settlement | |||
| Non-Custodial | |||
| Open Source | |||
| Affiliate Program | None | 25% Per transaction, 5-year lifetime | 25% Revenue share |
| Action |