BitPay is one of the oldest crypto processors, but it charges ~1%, requires business verification, and controls settlement and supported coins. My Crypto Server hands you the whole pipeline.
BitPay offers managed compliance and bank settlement. My Crypto Server offers 0% fees, your own keys, and no gatekeeper.
| You own it My Crypto Server | Hosted crypto gateway BitPay | |
|---|---|---|
| Platform fees | 0%: only network gas, paid by the customer | ~1% per transaction |
| Who holds your money | Non-custodial, funds land straight in your wallet | Custodial settlement with payout schedule |
| Onboarding | No third-party approval; it's your server | Business KYC and approval required |
| Chains & assets | 14 networks, native coins + USDC / USDT / DAI | BitPay's supported coins only |
| Own the code & infra | Full source, self-hosted, you own it | Hosted SaaS, no source |
Competitor figures reflect standard published pricing and typical terms; exact rates vary by plan, region, and volume.
There's no merchant application or risk review. It's your server, live the moment you deploy it.
BitPay's per-transaction cut goes straight back into your margin.
Funds land on-chain in your wallet immediately, with no payout queue and no holds.
Being fair
Large merchants who want a vendor of record for compliance and direct fiat bank settlement may prefer BitPay's managed model.
$699 one-time with code MCSINTRO $999, with every v1 update included, 0% platform fees, and free installation.
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