BTCPay Server alternative for crypto payments
Looking for a BTCPay Server alternative? Unheld needs no server of your own: payments land on an address only you control, and you pay a monthly plan priced by the number of payments, not by their value.
Why merchants look for a BTCPay Server alternative
- A server to run. BTCPay Server runs on a server you install, update and keep online yourself. Unheld is hosted for you and still non-custodial: your keys stay yours, and there is nothing to maintain.
Side by side
| 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:
Switching from BTCPay Server to Unheld
- Create your account. Sign up with an email and password; there is no business verification. Whenever Unheld limits new accounts, the same sign-up page takes a short application first.
- Connect your wallet. Create a wallet in your browser or use one you already have. Unheld never receives your recovery phrase; payments land on addresses derived from that wallet.
- Replace your checkout. Choose the coins and networks you accept, then put Unheld payment links, checkout buttons or the API where your BTCPay Server checkout was.
- Connect your order system. Connect your order system through the API, then run one payment end to end on a free test network before taking a real one.
Questions merchants ask before switching
What is the best BTCPay Server alternative?
For a merchant leaving BTCPay Server, Unheld needs no server of your own, 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.
Does BTCPay Server hold your crypto before it reaches you?
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.
What does BTCPay Server take from each payment?
BTCPay Server takes 0% 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.
Do you have to verify your business to use BTCPay Server?
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.
Do you have to run your own server?
BTCPay Server: Yes. Unheld is hosted and still non-custodial, so keeping your own keys does not cost you a server to maintain.
Other BTCPay Server alternatives
Each option below with its fee, who holds the money, and the date its figures were checked.
- NOWPayments — 1% of each payment · You — funds land on your address ·
- DePay — 1.5% of each payment · You — funds land on your address ·
- CoinGate — 1% of each payment · The provider, until settlement ·
- BitPay — 1%–2% + $0.25 of each payment · The provider, until settlement ·
- A wallet address — 0% of each payment · You — with no software in between ·