10 Best BillChain Alternatives for Secure Crypto Payments in 2026

This paper focuses on the top alternatives to BillChain that enable organizations to process crypto payments safely and efficiently.

These services offer multi-crypto capabilities, rapid payment processing, seamless incorporation into e-commerce platforms, and improved confidentiality.

Regardless of whether you are a large corporation or a small business, these alternatives are effective and dependable management tools in the digitized payment ecosystem.

What is BillChain Alternatives?

Alternatives to BillChain are cryptocurrency payment methods that give companies choices for safely and effectively accepting digital assets, much as BillChain’s features.

These options give retailers the ability to handle transactions with more privacy and control, process several cryptocurrencies, and link with e-commerce platforms. Many of these platforms, which serve both small and large firms, also provide automatic invoicing, fiat conversion, and quick settlements.

Businesses can select a solution that best suits their technological skills, transaction requirements, and clientele by investigating BillChain competitors like BTCPay Server, BitPay, CoinPayments, and GoCrypto. This ensures more seamless and adaptable cryptocurrency payments.

Benefits Of BillChain Alternatives

Negligible to No Charges

• Alt services like BTCPay Server boasts no fees charged for using their platform.
• Less expensive transactions allow for additional margins to be earned.
• No intermediaries means no hidden fees.
• A perfect choice for businesses with narrow margins.
• Aiding in the widespread adoption of crypto at low costs.

Privacy and Autonomy

• With self hosted options complete control is retained over the keys and other relevant information.
• No custodial third parties should be holding the funds.
• Additional privacy for both the enterprise and the consumers.
• Much more resistant to restrictions placed by other entities.
• Keeping the financial data distributed.

Variety of Supported Cryptocurrencies

• Services such as CoinPayments and Crypto.com Pay allow for numerous coins.
• Can entice a greater audience paying with crypto.
• To avoid highly flunctuating values, stable coins are accepted.
• A wide range of payment options are available.
• Supports and facilitate adoption of crypto worldwide.

Simple Integration With Online Merchants

• A number of the other options offer plugins for WooCommerce, Shopify, Magento, etc.
• Ready made solutions save developers a lot of time.
• Smooth and uninterrupted experience for the users.
• Custom integrations are possible with the provided APIs.
• Compatible with leading frameworks for ecommerce.

Speed and Flexibility of Services

• Services such as OpenNode allow for near real time settlements.
• Faster settlements lead to lesser delays for payments.
• Options for automatic fiat conversion.
• Helps maintain cash flow.
• Flexible payout options (crypto or fiat).

Enhanced Security Features

• Strong encryption and multi‑signature wallets.
• Two‑factor authentication in many gateways.
• Decentralized systems reduce hack risk.
• Self‑hosted options eliminate custody risk.
• Regular updates and open‑source audits.

Key Point & Best BillChain Alternative List

Platform	Key Points
BTCPay Server	Open-source, self-hosted, no fees, supports multiple cryptocurrencies, high privacy and control.
BitPay	Established platform, easy integration, supports invoices & subscriptions, multi-currency.
CoinPayments	Supports 2000+ cryptocurrencies, easy checkout, plugins for e-commerce, moderate fees.
OpenNode	Focus on Bitcoin payments, lightning network support, instant settlements, developer-friendly.
Crypto.com Pay	Fast transactions, cashback rewards, multi-coin support, strong ecosystem integration.
AlfaCoins	Supports multiple crypto payments, instant conversion to fiat, simple merchant integration.
Plisio	Multi-crypto support, auto-conversion to fiat, invoicing features, low fees.
Blockonomics	Bitcoin-focused, easy integration with WooCommerce, no KYC required, good privacy.
Paystand	Fiat & crypto payments, blockchain-based settlement, subscription billing, low fees.
GoCrypto	Cryptocurrency payment gateway, fast settlements, POS support, multi-coin options.

1. BTCPay Server

BTCPay Server is a self-hosted, open-source cryptocurrency payment processor that enables merchants to accept crypto payments, primarily in Bitcoin, without having to rely on intermediaries. As such, you maintain control over your funds while keeping your payment data private.

Unlike payment processors that take a portion of your payment as a fee, BTCPay Server is free as they are self-hosted. As a result, you do not have to worry about losing custody of your payments or having your processor censor transactions.

You are able to connect BTCPay Server to several e-commerce sites (WooCommerce, for example) and Lightning Network. BTCPay server is also on of the best alternatives to BillChain because of the self-hosted nature of the processor, the free usage, and the control and privacy that comes with the offering.

BTCPay Server Features , Pros & Cons

Features

1. No restrictions, self hosted, open-source.
2. No fees from the platform.
3. Support for Bitcoin & Lightning.
4. Offers plugins for e-commerce and APIs.
5. Total control of data and keys.

Pros

1. No fees.
2. Utmost privacy.
3. No KYC (know your customer) needed.
4. Complete custodial control.
5. Community of developers active.

Cons

1. Technical setup needed.
2. User is responsible for hosting costs.
3. Support of altcoins is limited and native.
4. There is no built-in fiat settlement.
5. Requires upkeep and manual maintenance.

2. BitPay

One of the oldest crypto payment processors, and perhaps the most ubiquitous in the marketplace, is BitPay. Accepting payments via Bitcoin, Bitcoin Cash, stablecoins, and a number of altcoins, BitPay allows merchants to accept a wider variety of digital currency.

Additionally, to mitigate volatility with crypto transactions, there is the option of auto-converting the crypto payment to fiat currency. With the ability to easily integrate with several e-commerce platforms, as well as invoicing and POS systems, BitPay is a great option for small and enterprise merchants alike.

As the next best option after BillChain, BitPay is also easy to set up, has strong regulatory compliance, and gives merchants the ability to settle crypto payments after receiving them.

BitPay Features , Pros & Cons

Features

1. Support of multiple cryptocurrencies.
2. Automatic conversion of fiat.
3. Tools for billing and invoicing.
4. Offers APIs and plugins.
5. Provides a dashboard for merchants.

Pros

1. Decent and reputable platform.
2. Provides ease of use.
3. Support around the globe.
4. Support available 24/7.
5. Stable and properly regulated.

Cons

1. Imposition of fees for transactional costs.
2. Model used is custodial.
3. Process of verification is carried out.
4. Limited privacy for advanced use.
5. Not released to open source completely.

3. CoinPayments

With easy integration for merchants through plugins available on most ecommerce systems, CoinPayments has become the most used crypto payment processor with the most flexibility due to the ability to process over 4000 different types of cryptocurrencies.

CoinPayments is also able to auto invoice, auto convert, offer a custodial vault for the crypto, and a coin swap.

CoinPayments has thr best merchant solution for crypto payment processing and is the best BillChain alternative due to the ability to support merchants in accepting a myriad of cryptocurrencies without the merchant having to deal with all the different currencies.

CoinPayments Features , Pros & Cons

Features

1. Supports more than 2,000 currencies.
2. Offers conversion of coins automatically.
3. Provides plugins for e-commerce.
4. Features a wallet vault.
5. Offers payment automation in batches.

Pros

1. Support of many coins available.
2. Simple installation.
3. Support of many languages.
4. Offers multiple integration options.
5. Flexible options for payment automation.

Cons

1. May charge a high fee for the service.
2. The service is custodial.
3. Improvements could be made to user experience.
4. Customer feedback has been varied.
5. Lightning support is limited

4. OpenNode

This processor only works with Bitcoin, but OpenNode offers some of the best features for Bitcoin payments, allowing merchants to offer payments with the Bitcoin Lightning Network and access to low cost transactions and instant settlement. Merchants have access to hosted payment UVAs (unattended virtual assistants), simple API integrations, and optional auto conversion to many local currencies.

If a company has customers that are crypto-native or customers that need low fees and fast confirmations, then they need a service like OpenNode. OpenNode is integrated with BillChain, and is the best choice for Bitcoin users and merchants who value reliable Lightning and developer simplicity. 

OpenNode Features , Pros & Cons

Features

1. You can use OpenNode to accept payments made in Bitcoin and the Lightning Network.
2. Instant payment settlements.
3. API and checkout services available.
4. Options for settling in fiat currencies.
5. Physical and digital event notification services.

Pros

1. Transactions are very fast.
2. OpenNode charges low fees for its services.
3. OpenNode is friendly to developers and provides good support.
4. Strong focus on Lightning payments.
5. Excellent choice for businesses with a strong focus on Bitcoin.

Cons

1. Only supports Bitcoin transactions.
2. Only a limited selection of other cryptocurrencies.
3. You may need a little development experience to use the service.
4. Very limited options for fiat currency service in other countries.
5. Not the best choice for stores that have a lot of other cryptocurrencies.

5. Crypto.com Pay

Crypto.com Pay functions within Crypto.com and allows merchants to accept online crypto payments with low fees. It has a global reach and supports over 30 cryptocurrencies on the Crypto.com platform.

Crypto.com offers simple integration with plugins and APIs, and merchants can settle their payments in either crypto or traditional currency. Crypto.com offers users cashback rewards for payments. It has a large audience, and is easy to use. For these reasons, Crypto.com Pay is a strong competition to BillChain .

Crypto.com Pay Features , Pros & Cons

Features

1. You can accept payments in multiple cryptocurrencies.
2. There is an app and dashboard for merchants.
3. You can earn cashback.
4. Option to receive payment in fiat.
5. Good API along with plugins for e-commerce.

Pros

1. Very big user base.
2. Good reward program.
3. Fiats are easily exchanged.
4. Strong integration available.
5. The service is very trusted.

Cons

1. Fees are charged for use of the platform.
2. The service is custodial.
3. Users are required to provide KYC information.
4. Less privacy is available in this service than in its competitors.
5. There may be other cryptocurrencies incentivized for use of the platform.

6. AlfaCoins

As a crypto payment gateway, ALFAcoins is a reliable service that has been operational since 2013, allowing merchants to accept major cryptocurrencies such as Bitcoin, Ethereum, Litecoin, Dash, and different tokens of Tether and XRP.

The website offers the ability to easily manage your api and plugin integrations, the ability to manage your money in a digital wallet, instantaneous transactions, and the ability to report on and manage your funds.

ALFAcoins is user friendly and offers strong security features, including two factor authentication. An affordable alternative to BillChain, ALFAcoins offers crypto payment support and is merchant oriented, making it a good option for businesses seeking to support a wider range of tokens with a built in wallet and conversion functionality.

AlfaCoins Features , Pros & Cons

Features

1. Support for multiple cryptocurrencies.
2. Real-time cryptocurrency conversion available.
3. API and plugins available.
4. There is a wallet for merchants.
5. There are reporting tools available.

Pros

1. You have the option of using multiple cryptocurrencies.
2. It is easy to set up.
3. Good conversion tools are available.
4. There are analytics available for merchants.
5. They are a stable service for cryptocurrency payments.

Cons

1. There are fewer available cryptocurrencies than some competing services.
2. The service is custodial.
3. Fees are charged for use of their service.
4. Less Lightning support
5. Smaller ecosystem

7. Plisio

Accepting cryptocurrency has never been easier with Plisio, a crypto payment gateway that offers businesses the ability to accept 15 of the most popular digital currencies. API and plugin integrations, invoicing, donation pages, mass payouts, and crypto management features help to streamline the process for merchants.

Enhanced features such as no or low KYC requirements, increased privacy, a fast setup, and transparent pricing mean the focus is on keeping it simple. Plisio is also a strong BillChain Alternative as it provides most tokens with little friction for online shops, service providers, and content creators that want a user friendly gateway to manage cryptocurrency. 

Plisio Features , Pros & Cons

Features

1. supporting multiple coins
2. checkout and API services
3. invoicing services
4. pages for donations
5. options for automatic coin conversion

Pros

1. integration is hassle free
2. user friendly dashboard
3. clarity when it comes to pricing
4. supports a good number of coins
5. invoice flexibility

Cons

1. custodial service
2. some fiat options for settlements are limited
3. some fees are applied
4. smaller user and developer ecosystem
5. service is partially hosted exclusively

8. Blockonomics

With Blockonomics, merchants can receive Bitcoin directly to their wallets with the help of a privacy-focused, Bitcoin payment, no custodial gateway that also offers seamless transactions.

It works directly with WordPress, WHMCS, and bespoke APIs directly without intermediary payment processors. Blockonomics advocates for direct control of your blockchain wallets and near-effortless integrations without KYC, which may be appealing for some businesses and individuals wanting decentralized and censorship-resistant payment acceptance.

As one of the better BillChain alternatives for Bitcoin payment, Blockonomics provides convenience and privacy as well as direct transaction fee cost savings, especially for highly sovereign crypto-active merchants.

Blockonomics Features , Pros & Cons

Features

1. non custodial gateway for bitcoin
2. payments made directly to wallets
3. plugins available for Woocommerce and WordPress
4. minimal know your customer policies
5. gives a simpler API

Pros

1. customers have direct control of their bitcoin
2. more privacy than other options
3. straightforward installation for WordPress
4. third party custody is not involved
5. invoicing for bitcoin is fast

Cons

1. only supports bitcoin
2. a restrictive amount of other coins are supported
3. lightning networks not supported but is available through partners
4. advanced features are not as plentiful
5. features for settlements rely on being manual

9. Paystand

Paystand is a payment platform enhanced by the blockchain which seeks to improve legacy payment systems by adding crypto transaction capabilities to the platform, using cloud automation to remove transaction fees and promote efficiency in B2B payment workflows.

Paystand integrates with most enterprise accounting systems, features blockchain smart invoicing, automates receivables control, and provides real-time settlement, making Paystand especially configurable for large organizations with sophisticated payment workflows.

Better than most BillChain alternatives, Paystand provides businesses a more efficient way digitize their cash balances by providing more efficient and cheaper cash control payment options, providing tremendous value to finance teams in large organizations.

Paystand Features , Pros & Cons

Features

1. blockchain guaranteed settlement
2. smart invoicing
3. electronic billing for enterprises
4. investments with ERP and accounting systems
5. available systems for crypto and fiat

Pros

1. protection for enterprises
2. zero fees for settlements made on blockchain
3. customers receivables are automatic
4. financial tools are robust
5. support is above average

Cons

1. setup is complicated
2. cost is higher than average for smaller merchants
3. does business to business mostly
4. user experience is lacking when it comes to crypto
5. onboarding takes a long time

10. GoCrypto

GoCrypto is an adaptable and evolving blockchain layer added to payment protocols to provide merchants with the ability to accept both crypto and other digital assets directly in an onchain environment.

The 2.0 iteration of the platform enables users to complete transactions via smart contracts, currency conversion and settlement, all without the necessity of having user accounts or intermediary service providers. This method promotes total transparency and enhances the safety, and traceability, of all transaction participants, be they users or merchants.

Due to these factors, GoCrypto is a top choice for companies wanting to incorporate a innovative, automated, and decentralized settlement service that utilizes multiple tokens and smart contract technology to facilitate a seamless checkout experience, and is often compared to the offerings of BillChain.

GoCrypto Features , Pros & Cons

Features

1. Payments on Blockchain
2. Smart Contract Payments
3. Acceptance of Multiple Tokens
4. APIs for Merchants
5. Transparency on the Blockchain

Pros

1. No Central Processing
2. Payments Are Transparent
3. Automated Payments Using Smart Contracts
4. New Age Protocol
5. Flexible Options for Tokens

Cons

1. Less Mature Technology
2. Limited Community and Tools
3. Requires Developer Assistance for Integration
4. Complexity of Fiat Conversion
5. Limited Out-of-the-box Integrations

Conclusion

For companies looking for safe, quick, and adaptable transaction solutions, selecting the best cryptocurrency payment gateway is essential. While BitPay, CoinPayments, and Crypto.com Pay offer user-friendly interfaces with wide coin support and fiat conversion options, platforms like BTCPay Server and Blockonomics are perfect for merchants who value anonymity and complete control over payments.

AlfaCoins provides dependable multi-token acceptance, while OpenNode and Plisio are excellent at processing Bitcoin and other cryptocurrencies quickly. GoCrypto is a decentralized, smart contract-driven future, whereas Paystand offers blockchain-based efficiency for business or automated invoicing needs.

These gateways, which accommodate various business sizes, technical capacities, and cryptocurrency strategies, stand out as the greatest BillChain substitutes overall.

FAQ