Home/BitPay alternative
Alternatives

The best BitPay alternative

A BitPay alternative with no processor in the middle.

BitPay processes crypto but behaves like a traditional processor: business onboarding, settlement fees, and an account that can be reviewed or restricted. My Crypto Server takes crypto the other way: you host the checkout, funds settle straight to your wallet, and there's no company underwriting your business or holding your money.

Switching

Self-hosted, non-custodial, and 0% platform fees. Most migrations come down to swapping the charge call and verifying a signed webhook.

See the full BitPay comparison

Why switch

Why people look for a BitPay alternative

You don't want KYB onboarding

BitPay requires business verification and can decline or offboard accounts. Self-hosting has no application; you deploy the software and start accepting payments.

You want funds in your own wallet

Rather than settling through a processor's account on a schedule, payments derive from your seed and land directly with you the moment they confirm.

You want zero settlement fees

No percentage on settlement and no conversion spread. The full order amount is yours; the customer pays only network gas.

How to switch from BitPay

01

Stand up the server

Deploy to Vercel, attach a database, add Alchemy, and connect your wallet. No onboarding or approval to wait on.

02

Replace the invoice call

Where you created a BitPay invoice, create a My Crypto Server charge via the API or SDK and redirect to the hosted checkout.

03

Handle the signed webhook

Verify the signature, mark the order paid, and fulfil. You're now taking crypto with no processor between you and your customer.

BitPay alternative FAQs

Do I need to verify my business to use it?

No. There's no KYB or onboarding because there's no third-party account. You host the software and hold the wallet, so nobody underwrites or approves you.

Can BitPay-style refunds still work?

You refund by sending crypto back from your wallet, on your terms and timing, rather than through a processor's flow.

Which chains and coins are covered?

14 live networks with native coins plus USDC, USDT, and DAI, so the common assets a BitPay checkout handles are covered.

Own your crypto checkout instead of renting it.

$699 one-time with code MCSINTRO $999, full source, every v1 update included, 0% platform fees.

Try the live demo
Read the docs