A side-by-side reading of Unheld and BTCPay Server, 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 | BTCPay Server |
|---|---|---|
| Share of payment value | 0% | 0% |
| Who holds the money | You — funds land on your address | You — on infrastructure you run |
| Business verification | Not required | Not required |
| Payout to a bank in fiat | No | No |
| Server you run yourself | No | Yes |
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://docs.btcpayserver.org/FAQ/General/· Checked:
BTCPay Server: You — on infrastructure you run. 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.
BTCPay Server takes 0% 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.
BTCPay Server: Not 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.
BTCPay Server: Yes. Unheld is hosted and still non-custodial, so keeping your own keys does not cost you a server to maintain.