Looking for a BitPay alternative? Unheld takes no share of each payment, never holds your money and asks for no business verification: payments land on an address only you control, and you pay a monthly plan priced by the number of payments, not by their value.
At a $100 average order: BitPay at its published entry rate (1%–2% + $0.25, checked 2026-10-03), against the cheapest Unheld plan for the same number of payments.
| Monthly sales | Payments | BitPay takes | Unheld costs | Difference each month |
|---|---|---|---|---|
| $5,000 | 50 | $113 | $19 (Starter) | $94 |
| $20,000 | 200 | $450 | $44 (Starter) | $406 |
| $100,000 | 1,000 | $2,250 | $129 (Growth) | $2,121 |
Network fees are paid by the payer to the blockchain and are not included on either side. Unheld’s figure is the cheapest published plan for that many payments, including any per-payment charge above the plan’s allowance.
| What you are comparing | Unheld | BitPay |
|---|---|---|
| Share of payment value | 0% | 1%–2% + $0.25 |
| Who holds the money | You — funds land on your address | The provider, until settlement |
| Business verification | Not required | Required |
| Payout to a bank in fiat | No | Yes |
| Server you run yourself | No | No |
Every figure here is read from the provider's own published page on the date shown. Providers change pricing without notice — open the source before deciding.
Source: https://www.bitpay.com/pricing· Checked:
For a merchant leaving BitPay, Unheld takes no share of each payment, never holds your money and asks for no business verification, and every payment lands on an address only you control. Each provider’s figures on this page are read from its own published page, with the date they were checked.
BitPay: The provider, until settlement. With Unheld the answer never changes — the payment lands on an address only you control, so there is no balance for anyone to hold, freeze or lose.
BitPay takes 1%–2% + $0.25 of the payment value, read from its own published pricing on 2026-10-03. Unheld takes none of it — a monthly plan priced by the number of payments, so your cost does not rise with your order value.
BitPay: Required. Unheld asks for no business verification before you can take a payment, because there is no account holding your money that would need one.
BitPay: No. Unheld is hosted and still non-custodial, so keeping your own keys does not cost you a server to maintain.
Each option below with its fee, who holds the money, and the date its figures were checked.