BTCPay Server vs xMoney

BTCPay Server4.1/5

VS

xMoney3.8/5

Feature	BTCPay ServerVisit	xMoneyVisit
Ratings
Our score	4.1/5	3.8/5
User rating	No reviews yet	No reviews yet
Fees	5.0	3.0
Integrations	4.5	4.0
Settlement options	4.0	4.5
Reliability	4.0	4.5
Support	3.0	3.0
Specs
Processing fee	0%	Not disclosed
Settlement	Crypto	Crypto, Stablecoins, Fiat, Auto-conversion
Integrations	WooCommerce, Shopify, Magento, PrestaShop, OpenCart, Odoo, Wix, Pretix, BigCommerce, Zapier, Drupal, Ghost, Invoice Ninja	Not disclosed
Invoicing	Yes	Yes
Recurring payments	Yes	Yes
Mass payouts	Yes	Yes
Point of sale	Yes	Not disclosed
Self-hosted option	Yes	No
Business verification (KYB)	No	Yes
Settle in stablecoins	No	Yes
API & SDKs	Yes	Yes
Company
Founded	2017	2023
Headquarters	—	Romania
Investors	Tether, Kraken, OKCoin, Square Crypto	Sui Foundation, MultiversX
Strengths and weaknesses
Pros	Charges 0% processing fees and zero monthly subscription costs Requires no business verification or KYB onboarding to use Settles directly to self-custody wallets without intermediary counterparty risk Supports on-chain Bitcoin and fast Lightning Network transactions	Licensed as an Electronic Money Institution by the National Bank of Romania Unified dashboard for both card processing and digital currency checkouts PCI DSS Level 1 certified with 3D Secure 2.0 fraud controls Zero setup fees with automatic settlement conversion into fiat or stablecoins
Cons	Requires technical expertise to deploy, configure, and maintain server infrastructure Provides no native automatic fiat conversion or fiat bank settlement Unpatched servers exposed Lightning credentials in an August 2026 vulnerability	Merchant onboarding requires mandatory KYB and AML business verification Not a self-hosted solution, creating custodial counterparty risk before settlement Additional fees apply to off-cycle payouts below minimum account thresholds XMN fee discount model introduces exposure to token market volatility
Best for	Self-custodial e-commerce merchants, Technical operators running Bitcoin nodes, Stores wanting zero processing fees	European e-commerce merchants, Marketplaces requiring split vendor payouts, Businesses invoicing global clients in crypto

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.

More comparisons