BitPay review
A crypto-focused processor with checkout, billing, payouts, and flexible settlement options.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
BitPay is a cryptocurrency payment processor for businesses accepting digital-asset payments online, in stores, or through email billing. It supports hosted checkout pages, embedded payment buttons, crypto invoicing, recurring email billing, in-store QR-code payments, and payouts to contractors, affiliates, suppliers, and customers. Ecommerce integrations cover Shopify, WooCommerce, Magento, BigCommerce, WHMCS, OpenCart, PrestaShop, and WordPress Easy Digital Downloads. Custom implementations can use the REST API, SDKs, and server-side code libraries.
The published plans show transaction-based pricing with no recurring platform subscription. Fees are 2% + 25¢, 1.5% + 25¢, or 1% + 25¢ depending on monthly transaction volume, and each plan includes unlimited monthly transactions and daily fiat settlements. BitPay also supports settlement in cryptocurrency or a mix of fiat and cryptocurrency, with availability varying by location. Businesses evaluating cost should compare the transaction fee against their payment mix and expected volume rather than looking for a fixed monthly software charge.
BitPay’s strongest fit is a business that specifically needs cryptocurrency acceptance across several channels while retaining control over settlement currency. Recurring weekly, monthly, and yearly email billing, automatic payment exception handling, QuickBooks IIF export, and payment links extend its use beyond a basic checkout page. The trade-off is focus: businesses primarily processing conventional payments may need a broader general-purpose processor, while crypto-focused merchants, marketplaces, contractors, and ecommerce operators can use its checkout, payout, invoicing, and API capabilities in one platform.
BitPay pros and cons
- Where it wins
- Supports online checkout, invoicing, recurring billing, and QR-code POS payments
- Settles proceeds in fiat, cryptocurrency, or a combination
- Connects with major ecommerce platforms and offers REST APIs and SDKs
- Where it doesn't
- No free plan; fees are charged per transaction
- Crypto-focused scope is narrower than general payment processors
- Supported currencies and settlement options vary by location
BitPay fact sheet, pricing and score →
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