BTCPayServer
Self-hosted, open-source payment processor for Bitcoin. Accept on-chain and Lightning payments without relying on third-party custodians.
Key Features
- No KYC, no middleman, no processing fees beyond Bitcoin network fees
- Supports both on-chain and Lightning Network settlements
- Hot wallet integration including Payjoin (BIP 78) support since 2022
- WooCommerce plugin available for WordPress e-commerce
- Direct-to-wallet settlement: you control the keys at all times
Plugins and Integrations
| Plugin | Purpose |
|---|---|
| BTCPayServer for WooCommerce V2 | E-commerce checkout with Bitcoin |
| BTCQBO (third-party) | Auto-sync payments to QuickBooks Online |
Trade-offs
- Requires running a node (home or cloud) and managing channels/liquidity for Lightning
- More setup than custodial alternatives like CashApp for Business
- Reward: full sovereignty and reduced counterparty risk
See also: [self-custody], [lightning-network], [payjoin]