A side-by-side reading of Unheld and BitPay, taken from published pricing pages rather than marketing claims.
Unheld takes no share of the payment and asks you to run nothing. You pay a flat subscription, and the money arrives on an address only you control.
| 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://bitpay.com/pricing/· 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 2026-08-25. Unheld takes none of it — a flat monthly subscription based on transaction count, 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.