B2BinPay vs BTCPay Server: Custody and fee model
B2BinPay is a custodial enterprise payment gateway from B2Broker. It processes more than 350 digital assets across 17 blockchains, with incoming fees starting at 0.40% and settlement in crypto, stablecoins, USD or EUR through SEPA and SWIFT. A $1,000 onboarding fee and mandatory business verification shape its corporate focus.
BTCPay Server is free, open-source payment software that merchants run on their own infrastructure. It charges 0% processing fees and sends Bitcoin or Lightning payments directly to self-custody wallets, although network and hosting costs still apply. It supports no native fiat settlement or stablecoins. B2BinPay offers managed APIs alongside compliance monitoring, while BTCPay Server provides point-of-sale tools, invoices and hardware-wallet connections. BTCPay Server also requires patch management: an August 2026 vulnerability exposed Lightning credentials on unpatched servers.
Quick verdict
The deciding difference is control over funds. B2BinPay manages payment infrastructure and can convert crypto into USD or EUR for bank settlement, but custodial accounts create counterparty exposure until funds reach a merchant account. BTCPay Server keeps private keys and payments under the merchant's control, with no intermediary custody, but the merchant must deploy and maintain the server. Its 0% processing fee is lower than B2BinPay's 0.40% starting rate, while hosting and network fees remain payable. Security work also stays with the operator, as shown by the August 2026 Lightning credential exposure on unpatched servers.
Choose B2BinPay if a business needs managed enterprise processing, more than 350 assets across 17 blockchains, automatic USD or EUR conversion, SEPA or SWIFT payouts, and formal business onboarding. Its El Salvador and Mauritius registrations add a regulatory structure, while the $1,000 onboarding fee and KYB limit the model to corporate users.
Choose BTCPay Server if zero processing fees, Bitcoin and Lightning support, self-custody, or open-source deployment matters more than managed fiat settlement. It requires no KYB, integrates e-commerce plugins, and leaves the operator responsible for infrastructure updates and wallet security.
| Feature | ||
|---|---|---|
| Ratings | ||
| Our score | 4.2/5 | 4.1/5 |
| User rating | No reviews yet | No reviews yet |
| Fees | 4.0 | 5.0 |
| Integrations | 4.5 | 4.5 |
| Settlement options | 4.5 | 4.0 |
| Reliability | 4.0 | 4.0 |
| Support | 4.0 | 3.0 |
| Specs | ||
| Processing fee | 0.4% | 0% |
| Settlement | Crypto, Stablecoins, Fiat, Auto-conversion | Crypto |
| Coins supported | 350 | Not disclosed |
| Integrations | B2CORE, BridgerPay, FX Backoffice, Praxis Cashier | WooCommerce, Shopify, Magento, PrestaShop, OpenCart, Odoo, Wix, Pretix, BigCommerce, Zapier, Drupal, Ghost, Invoice Ninja |
| Invoicing | Yes | Yes |
| Recurring payments | Not disclosed | Yes |
| Mass payouts | Yes | Yes |
| Point of sale | Not disclosed | Yes |
| Self-hosted option | No | Yes |
| Business verification (KYB) | Yes | No |
| Settle in stablecoins | Yes | No |
| API & SDKs | Yes | Yes |
| Company | ||
| Founded | — | 2017 |
| Headquarters | El Salvador | — |
| Investors | Not disclosed | Tether, Kraken, OKCoin, Square Crypto |
| Strengths and weaknesses | ||
| Pros |
|
|
| Cons |
|
|
| Best for | Forex and CFD brokerage platforms, High-volume e-commerce merchants, iGaming and digital entertainment platforms | Self-custodial e-commerce merchants, Technical operators running Bitcoin nodes, Stores wanting zero processing fees |
Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.
FAQ
Is B2BinPay cheaper than BTCPay Server?
No, BTCPay Server has the lower processing fee at 0%, while B2BinPay's incoming merchant fees start at 0.40%. BTCPay Server users still pay Bitcoin or Lightning network fees and third-party hosting costs; B2BinPay also charges a $1,000 onboarding fee.
Which platform keeps merchant funds in self-custody?
BTCPay Server settles directly to merchant-controlled wallets without intermediary custody. B2BinPay offers custodial merchant accounts, alongside a non-custodial DeFi payment layer for multisignature EVM and Tron transactions.
Which supports fiat settlement?
B2BinPay supports automatic conversion to USD and EUR with SEPA or SWIFT payouts. BTCPay Server supports Bitcoin and Lightning payments, with no native automatic fiat conversion or bank settlement.
Which platform supports more cryptocurrencies?
B2BinPay supports more than 350 digital assets across 17 blockchains. BTCPay Server supports on-chain Bitcoin and the Lightning Network.
Which one requires business verification?
B2BinPay requires business verification and uses tiered corporate onboarding. BTCPay Server requires no KYB, but its self-hosted setup leaves deployment, updates and security management to the operator.