Comparison
Best Bitcoin payment gateways in 2026: 8 compared
Who holds your money, what each one charges, and what your customers can pay with. Checked against every provider's own pages in October 2026.
Accept crypto with OpenReceiveFree & open source · No account · No KYC
- If you want…
- No account, in your own app, stablecoins tooOpenReceive
- Your own Bitcoin serverBTCPay Server
- Dollars in a US or Canadian bankBitPay or OpenNode
- Bitcoin and cash in one appStrike
- A regulated EU gatewayCoinGate
- Hundreds of coins, outside the US, UK and EUNOWPayments
Who holds your money?
Where a payment sits between your customer paying and you having it.
What each one does
| Gateway | Your wallet | No KYC | Lightning | On-chain BTC | USDT | USDC | Bank payout | Open source | WooCommerce | Shopify |
|---|---|---|---|---|---|---|---|---|---|---|
| OpenReceive | ✓ | ✓ | ✓ | ✕ | ~ | ~ | ✕ | ✓ | ✓ | ✕ |
| BTCPay Server | ✓ | ✓ | ✓ | ✓ | ~ | ✕ | ~ | ✓ | ✓ | ✓ |
| BitPay | ✕ | ✕ | ✓ | ✓ | ✓ | ✓ | ✓ | ✕ | ✓ | ✓ |
| OpenNode | ✕ | ✕ | ✓ | ✓ | ✕ | ✕ | ✓ | ✕ | ✓ | ✓ |
| Strike | ✕ | ✕ | ✓ | ✓ | ✕ | ✕ | ✓ | ✕ | ✕ | ✓ |
| CoinGate | ✕ | ✕ | ✓ | ✓ | ✕ | ✓ | ✓ | ✕ | ✓ | ✕ |
| NOWPayments | ~ | ~ | ✕ | ✓ | ✓ | ✓ | ~ | ✕ | ✓ | ~ |
| CoinPayments | ✕ | ✕ | ✕ | ✓ | ✓ | ✓ | ✓ | ✕ | ✓ | ✕ |
Yes Partly No
- OpenReceive USDT and USDC: swapped to Bitcoin
- BTCPay Server USDT: a plugin, on Tron · Bank payout: through plugins
- NOWPayments Your wallet: passes through first · No KYC: asked in some cases · Bank payout: EUR only · Shopify: a 2021 workaround
Fee per payment
The headline processing fee. Network fees come on top everywhere.
The eight gateways
OpenReceive
0%Best for: No account, inside your own app, stablecoins too
- Paid straight to your wallet
- Free, MIT licensed, no KYC
- USDT, USDC, ETH and SOL, settled in Bitcoin
- No on-chain Bitcoin or bank payouts
- No Shopify app yet
BTCPay Server
0%Best for: Your own Bitcoin server, with a Shopify plugin
- Paid straight to your wallet
- Free, open source, no KYC
- On-chain and Lightning
- A server to run and update
BitPay
2% + 25¢Best for: Daily payouts to a US or Canadian bank
- Payouts in 8 fiat currencies or crypto
- Shopify and WooCommerce apps
- Full business verification and an application fee
- New EEA, UK and Australian merchants paused
OpenNode
1%Best for: Hosted Bitcoin and Lightning for registered businesses
- Free Lightning payouts
- Shopify and WooCommerce apps
- Registered businesses only
- Bitcoin only, no stablecoins
Strike
0%Best for: Bitcoin and a cash account in one app
- No fee to keep bitcoin
- Shopify app
- No bitcoin refunds
- Not for payers in New York or Hawaii
CoinGate
1%Best for: A regulated EU gateway
- MiCA licensed
- Lightning on by default
- Dropped USDT
- US not on its country list
NOWPayments
1%Best for: Hundreds of coins, outside the US, UK and EU
- About 300 coins
- KYC only in some cases
- Excludes US, UK, EU residents (terms of 19 Oct 2026)
- No Lightning
CoinPayments
1%Best for: Custodial altcoins with fiat payouts
- Fiat payouts
- Serves US businesses
- Left the EU and EEA on 1 July 2026
- No Lightning
Already run BTCPay Server? The OpenReceive plugin adds stablecoin payments to it.
What happened to Coinbase Commerce?
Merchants had to move to Coinbase Business, which holds your funds, needs a registered business in the US or Singapore, and takes USDC and USDT only, not Bitcoin (Coinbase's notice).
Questions
Which Bitcoin payment gateway has the lowest fees?
OpenReceive and BTCPay Server charge nothing: they are free software. Of the hosted gateways, Strike charges nothing to keep bitcoin; most others charge 1%, and BitPay 2% + 25¢ under $500,000 a month.
Which ones need no KYC?
OpenReceive and BTCPay Server: there is no account. NOWPayments asks only in some cases for crypto-only merchants. The rest verify your business.
Which work for US merchants?
OpenReceive, BTCPay Server, BitPay, OpenNode, Strike and CoinPayments. NOWPayments excludes US residents and CoinGate does not list the US.
Which have a Shopify app?
BitPay, OpenNode, Strike and BTCPay Server. OpenReceive does not have one yet.
Can I get paid in dollars?
Not with OpenReceive: you receive Bitcoin. BitPay, OpenNode, Strike, CoinGate and CoinPayments pay out to a bank.
New to this? Read how to accept crypto payments on your website.
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