Accept Bitcoin Payments: Processors, Invoicing & Cards
To accept Bitcoin, self-host BTCPay Server (free, no middleman) or use a hosted processor: Strike, OpenNode, Zaprite (about $25 per month for invoicing), Speed, IBEX, Coinbase Commerce, BitPay, or Square. Most support Lightning and can settle in dollars. To spend Bitcoin, cards from Fold, Coinbase One, Gemini, and Strike pay rewards in sats or let you spend a Bitcoin balance. Last verified September 2026. Listings are neutral and unranked; not financial advice.
Payments: 13 listings
- BTCPay Server — Free, self-hosted, open-source payment processor with Lightning and point-of-sale apps. self-custody, Bitcoin-only, open source, Lightning. Pricing: Free.
- Strike Business — Lightning payments API and invoicing with USD settlement. custodial, Bitcoin-only, Lightning.
- OpenNode — Hosted Lightning and on-chain processor with plugins for major carts. custodial, Bitcoin-only, Lightning. Pricing: ~1% per transaction.
- Zaprite — Invoicing and checkout that routes to your own wallet or node. non-custodial, Bitcoin-only, Lightning. Pricing: ~$25/mo.
- Speed — Lightning payments API with instant settlement. custodial, Bitcoin-only, Lightning.
- IBEX — Lightning infrastructure for merchants and platforms. custodial, Bitcoin-only, Lightning.
- Coinbase Commerce — Hosted checkout for online stores with fiat settlement. custodial, multi-asset. Pricing: ~1%.
- BitPay — Veteran processor, bill pay, and prepaid card. custodial, multi-asset. Pricing: ~1–2%.
- Square — Block's point-of-sale is adding native Bitcoin acceptance for sellers. custodial, multi-asset, Lightning. US availability: Rolling out to US sellers.
- Fold Card — Debit and credit cards with sats-back rewards. custodial, Bitcoin-only.
- Coinbase One Card — Credit card paying up to 4% back in Bitcoin for Coinbase One members. custodial, multi-asset.
- Gemini Credit Card — Crypto-back credit card available in all 50 states. custodial, multi-asset. US availability: All 50 states.
- Strike Card — Spend from a Strike balance, with Bitcoin rewards. custodial, Bitcoin-only.
Frequently asked questions
What is the cheapest way to accept Bitcoin?
BTCPay Server is free and self-hosted, so you pay only network fees. Hosted processors charge roughly 1% but handle infrastructure and dollar settlement.
Is spending Bitcoin taxable?
Yes in the US. Spending Bitcoin is a disposal, so each purchase realizes a capital gain or loss. Rewards paid in Bitcoin are generally treated like cash-back rebates when earned, then taxed on later sale.
Links
Interactive directory: enable JavaScript or open trybitstack.com.