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Bitcoin Payment Gateways — The Orange Pages

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About Payment Processors

18 listings: ways for a business to accept and move bitcoin — payment processors and gateways, point-of-sale and invoicing tools, Lightning payment APIs, and fiat on- and off-ramps.

All 18 are in the ₿ USE · TOOL group. 14 support Lightning and 6 are open source. Who holds the bitcoin is stated for all 18: 8 Custodial, 5 Non-Custodial, 5 with a custody line instead of a class. 3 carry a notice. 1 also appears under Bitcoin Companies and Exchanges & On-Ramps.

18 listings, grouped Bitcoin first by label. Inside each group: open source first, then the rest, then listings marked Not recommended, each A to Z here (the interactive directory rotates them weekly). Nothing is hidden. This version needs no JavaScript. Most recent Updated date here: 23 October 2026 (the day a record last changed, not a verification date).

Payment Processors · plain version

Plain list · 18 listings in Payment Processors

₿ USE · TOOL · 18

Bitcoin used directly as money, or tools for running, securing and building on it.

  1. Alby ₿ USE

    Lightning wallet and payments for the web.

    Payment Processors · Open Source · Lightning · No-KYC

    Custody. Alby’s home page describes Alby Hub as “Self-custody in the cloud”, keeping “full control over your keys”; its pricing page is titled “Cloud & Self-Hosting Plans”. Alby: Home

  2. Breez ₿ TOOL

    Bitcoin in every app.

    Payment Processors · Open Source · Lightning · No-KYC

    Custody. Breez says its SDK is non-custodial and built on Spark. Spark says its operators help sign transfers but cannot move funds without you, and a pre-signed exit lets you reclaim funds on Bitcoin L1. Spark says one honest operator keeps funds secure, and lists all operators colluding with a previous owner to double-spend as a risk. Spark: What is Spark? A Bitcoin Layer 2 Built on Statechains (5 Jan 2026)

    Advisory · MISTY BREEZ STOPPED — Breez tells its users to move their funds out (14 September 2026) (2026-10-12)

    On 14 September 2026 Breez posted that the service its Misty Breez wallet relies on is no longer available, so on-chain and Lightning payments can't be made in that app. Breez says the Liquid Network is running again and users can now move their funds out: send them with a Liquid address to another Liquid wallet (Breez names Aqua) and do a Lightning swap from there, or use an external service that converts Liquid bitcoin (L-BTC) to on-chain bitcoin. Breez says it does not run or endorse these services and tells users to check their fees, limits and terms themselves. Breez gives no deadline. On 12 October 2026 Liquid's own website said "LBTC peg-out operations remain paused." If you still hold funds in Misty Breez, move them to a wallet you control.

    Our position: listed, with this notice. Misty Breez is one Breez app; the Breez SDK and the Glow app are separate products. The facts above come from Breez's own Misty Breez page and Liquid's website — check them yourself.

    Sources: Breez: Misty Breez (14 September 2026) · Liquid: peg-out status (liquid.net, checked 12 October 2026)

  3. BTCPay Server ₿ USE

    Self-hosted, open-source Bitcoin payment processor.

    Payment Processors · Open Source · Lightning · No-KYC

    Non-Custodial. Only you hold the keys to your bitcoin. BTCPay Server: General FAQ

  4. Coinos ₿ USE

    Open-source Bitcoin and Lightning web wallet for merchants.

    Payment Processors · Open Source · Lightning · No-KYC

    Custodial. Coinos says you always have the option of taking custody of your funds by withdrawing instantly at any time. Coinos: Home

    Advisory · LIQUID PEG-OUTS PAUSED since 6 September 2026 — about 602 BTC not yet recovered, no reopening date (2026-10-12)

    Blockstream’s help centre lists Coinos as a web wallet for sending and receiving L-BTC and other Liquid assets. On 6 September 2026 an attacker used a bug in Elements, the software Liquid runs on, to create about 4,000 L-BTC with no bitcoin behind it, then withdrew about 4,000 BTC from the Liquid reserve through SideSwap, a federation member that can authorise peg-outs. Blockstream says the reserve fell from about 4,205 BTC to 197 BTC, that 3,400 BTC were returned on 7 September, and that about 602 BTC are still the subject of recovery efforts; on 12 October 2026 the third-party explorer liquid.network (The Mempool Open Source Project) showed about 3,632 BTC in the reserve against about 4,235 L-BTC in circulation. Blockstream’s co-founder and CEO, Adam Back, wrote on X on 10 September that the 1:1 peg would be covered (“answer YES”); he did not say how or when. Blockstream deployed an emergency patch within hours, Liquid transactions resumed on 10 September, and Blockstream says other Liquid-issued assets were not affected. Peg-outs (the way to turn L-BTC back into bitcoin through the federation) remain paused; liquid.net still said so on 12 October 2026. On 17 September Liquid said it could not yet give a firm date and that peg-outs “will resume only after full 1:1 BTC backing for LBTC has been confirmed and all required software updates, testing and independent security reviews have been completed.” On 29 September it said an independent external security audit of Elements v23.3.4 was underway and that the federation was updating its peg-out key list, replacing existing entries and securing all peg-out keys in cold storage; it said it expected to share further updates “shortly”, and by 12 October it had posted none.

    Our position: listed, with this notice, because Liquid still runs and Blockstream and Liquid have published what happened and what has to happen before peg-outs reopen. Until peg-outs reopen, L-BTC cannot be turned back into bitcoin through the federation; bitcoin held on-chain is separate and not affected. The facts above come from Blockstream’s incident report and help centre, posts on X by Liquid and Adam Back, liquid.net and the liquid.network explorer — check them yourself.

    Sources: Blockstream: “Liquid Network Security Incident Assessment” (23 September 2026) · Blockstream help centre: “Get a Liquid wallet” (checked 12 October 2026) · Liquid Network on X: update of 29 September 2026, 05:48 UTC (audit of Elements, new peg-out keys)

  5. LNbits ₿ USE

    Open-source Lightning accounts and extensions platform.

    Payment Processors · Open Source · Lightning · No-KYC

    Custody. LNbits says it can be run “for yourself, for others, or as part of a stack”; its site lists LNbits Hosted (“Fully managed”), a local LNbits Box and a run-it-yourself option. LNbits: Home

  6. Banxa ₿ USE

    Fiat-to-crypto payment provider, part of OSL Group.

    Payment Processors

    Non-Custodial. Banxa’s terms say it does not host wallets or act as a custodian of Crypto Assets and delivers purchases to your Nominated Wallet Address, but also that its agent role may include holding assets on your behalf. Banxa: Customer terms and conditions (PDF, effective 10 Mar 2026)

  7. BitPay ₿ USE

    Bitcoin payment processor for merchants, running since 2011.

    Payment Processors · Lightning

    Custodial. BitPay’s terms say account ledger credits are “funds temporarily held by BitPay until settlement” and that BitPay does not “provide cryptocurrency custody as part of the Acceptance Services.” BitPay: Terms of use

  8. CoinGate ₿ USE

    Accept Bitcoin and Lightning payments.

    Payment Processors · Lightning

    Custodial. CoinGate says merchants hold a balance with it, paid out weekly by default on the Standard plan; merchants can instead choose to receive crypto directly. CoinGate: Digital asset custody

  9. IBEX ₿ USE

    Settlement and clearing engine for fiat and digital assets.

    Payment Processors · Lightning

    Custodial. IBEX’s Hub terms say a client’s balance is “a credit right against IBEX”, that IBEX “may hold its clients' assets on a pooled (omnibus) basis”, and that safekeeping may be subcontracted to custodians. IBEX: IBEX Hub Terms & Conditions (last updated 14 Sep 2026)

  10. Lightspark ₿ USE

    API for moving money across fiat, stablecoins and Bitcoin.

    Payment Processors · Lightning

    Custodial. Lightspark’s docs say internal accounts are Lightspark-managed accounts that hold customer funds; its site says Lightspark and its affiliates “are not banks, exchanges, or asset custodians.” Lightspark docs: Account model

  11. Mercuryo ₿ USE

    Crypto on- and off-ramp for wallets and exchanges.

    Payment Processors

    Custody. Mercuryo’s terms differ by region: its US terms say it “does not provide custody, management or wallet-hosting services for Crypto Assets” and ask for “an external wallet address to receive any purchased Crypto Assets”; its Global terms describe a crypto wallet “maintained and operated by Mercuryo”. Mercuryo: Terms of Service (index of the US, EEA and Global versions)

  12. OpenNode ₿ USE

    Bitcoin and Lightning payment gateway.

    Payment Processors · Lightning

    Custodial. OpenNode says you move bitcoin from your OpenNode account to an external wallet, by a scheduled weekly transfer (opt-in, Sundays) or on demand. OpenNode Help: Bitcoin withdrawals

  13. Simplex (by Nuvei) ₿ USE

    Fiat-to-crypto payments infrastructure.

    Payment Processors

    Non-Custodial. Simplex’s terms say it “does not take possession or control of your Crypto”; its help page says some platforms ask for an address you control, while others generate one if you have an account with them. Simplex: Payment terms (last updated 30 Mar 2026)

  14. Speed ₿ USE

    Bitcoin Lightning payments at global scale.

    Payment Processors · Lightning

    Custodial. Speed’s terms say Speed itself “does not custody user crypto assets”; custody is provided by CoinX USA or its contracted custodians, and CoinX may use omnibus wallets, custodial partners or segregated accounts. Speed: Terms and conditions

  15. Strike ₿ USE

    Instant, global Bitcoin payments.

    Payment Processors · Lightning

    Custodial. The company holds the keys to your bitcoin. Strike: US individual terms (Bitcoin Custody)

  16. Transak ₿ USE

    Fiat-to-crypto on-ramp infrastructure.

    Payment Processors

    Non-Custodial. Transak’s terms say “you cannot hold Digital Assets with Transak”; purchases are sent to your Designated Wallet, and for a sale you transfer the crypto to a wallet Transak assigns for the order. Transak: Terms of service (Rest of World)

  17. Zaprite ₿ USE

    Bitcoin invoicing and checkout for businesses.

    Payment Processors · Lightning · No-KYC

    Non-Custodial. Zaprite says it is “not a custodian” and “never touches customer funds”; payments go to the wallet, or the bitcoin custody or financial-provider account, that the merchant connects. Zaprite: FAQ