The BTCPay Server alternative with nothing to host
BTCPay is free software, but you run the server, keep it secure and handle one coin. 402pay gives you the same self-custody, hosted, on 5 networks, with cards.
- 5 networks
- in one hosted checkout
- No middleman
- no server, no forwarding hop
- Cards + crypto
- in one checkout, into one wallet
BTCPay Server at a glance
BTCPay Server is free, open-source software that pays straight to your own wallet, the same principle 402pay is built on. Its cost isn't a fee; it's the server.
You rent it, update it, back it up and keep it online, and when it's down, so is your checkout. Bitcoin is built in; stablecoins and other networks come from community plugins you install and maintain, and there's no way to take cards.
Why businesses switch from BTCPay Server
The reasons businesses give for leaving BTCPay Server come back to the same few things: who holds the money, what it costs as sales grow, and which customers can pay at all.
You're the ops team
BTCPay runs on a server you rent, update, back up and secure. When it's down, so is your checkout.
Bitcoin first
Stablecoins and other networks depend on community plugins you install and maintain.
No cards
There's no way for customers to pay by card.
402pay vs BTCPay Server, side by side
- Percentage of every crypto payment
402pay
0%BTCPay Server
No processing fee, you pay for hosting and run it yourself- Payments go straight to your own wallet
402pay
AlwaysBTCPay Server
Yes- Money is yours the moment it confirms
402pay
InstantlyBTCPay Server
Yes- Cards, Apple Pay and Google Pay in the same checkout
402pay
3%, in betaBTCPay Server
No- USDT on Tron
402pay
YesBTCPay Server
Through a plugin- Nothing to host or maintain
402pay
Fully hostedBTCPay Server
No- Open beyond the US
402pay
YesBTCPay Server
Yes- Available today
402pay
YesBTCPay Server
Yes- Networks
402pay
Solana, Polygon, Ethereum, Tron, Bitcoin
BTCPay Server
Bitcoin and Lightning; others through plugins
The bottom line
BTCPay Server gets the most important thing right: your money goes straight to your own wallet. The cost is running a server yourself, keeping it patched and online, and leaning on plugins for anything beyond Bitcoin. 402pay gives you the same self-custody with nothing to host, stablecoins on 5 networks out of the box, and cards in the same checkout.
With 402pay
- Who holds the money
- You, in a wallet only you hold the keys to
- When it's yours
- The moment the network confirms it
- What it costs
- 0% of a crypto payment
With BTCPay Server
- Who holds the money
- Payments go to your own wallet, through a server you host
- When it's yours
- When the network confirms it
- What it costs
- No processing fee, you pay for hosting and run it yourself
Here's what you can do in 30 minutes
Time is money, and with 402pay, it's yours from the very first payment.
- 5 mins
- Create your account
- Set up a self-custody wallet, or connect yours
- Pick the coins and networks checkout offers
- 15 mins
- Swap your BTCPay Server links for 402pay payment links
- Turn on cards, Apple Pay and Google Pay, in beta
- Let customers pay the fees, if you want
- 29 mins
- Create payments from your server with one API call
- Get a signed webhook for every payment
- Hand the setup prompt to your AI coding assistant
- No. Every payment goes straight to a wallet only you hold the keys to. 402pay never has your recovery phrase, so we can't freeze, hold or move your funds.
- 0% on crypto payments at an introductory rate and 3% on cards, and nothing is taken out of a payment. The pricing page lists every fee.
- Most businesses are accepting payments the same day: create an account, set up your wallet, and share a payment link or swap in one API call.
- Yes. Nothing ties you to one processor: send new orders through 402pay while anything open finishes on BTCPay Server, then switch over completely when you're ready.
- No. They pay on the hosted checkout by card, Apple Pay, Google Pay or from any crypto wallet, without signing up for anything.
- Yes. Connect it by its public keys and every payment goes there, for $15.00 a month.
More comparisons
BTCPay Server details from BTCPay Server FAQ. Names and logos belong to their owners and are shown to identify them.