Keep more of every payment, and all of the control.
Most payment providers take a cut, hold your money for days, and can reverse a sale months later. BitSettle settles straight to a wallet only you control: no processor fees, no chargebacks, no waiting. Here is exactly how that compares.
Four ways to accept crypto payments, measured on the things that actually affect your margin, your cash flow, and your risk.
Comparison of BitSettle against a custodial PSP, the upstream plugin, and manual wallet operations.
Category
BitSettleManaged self-custody
Custodial PSPBitPay, Coinbase Commerce
Upstream pluginSelf-operated
Manual wallet opsReconcile by hand
Fees
0% processor fees. You keep every payment, minus small network costs.
Typically 1–3% per transaction, plus possible payout or conversion fees.
No managed-service fee, but you operate and pay for infrastructure yourself.
No software fee, but high manual reconciliation cost on your team's time.
Settlement time
About a second on Lightning; seconds to minutes for stablecoins.
Often 1–3 business days for fiat payout from the provider balance.
Same on-chain speed, but you handle confirmation policy yourself.
As fast as the chain, but matching to invoices is done by hand.
Custody
Watch-only; money settles to a wallet only you control. No keys on the server.
Provider-controlled balance or payout ledger; funds depend on provider terms.
Receive rails for supported chains without BitSettle's managed posture.
Funds stay in your wallet, but matching payments to invoices is manual.
USDT coverage
Nine networks: Bitcoin, Lightning, and seven USDT chains.
Varies by provider, onboarding jurisdiction, and risk policy.
Base support for TRON, Ethereum, and Polygon.
Any network your wallet supports, with no invoice automation.
Refunds and payouts
Sent from your own wallet. BitSettle never holds signing keys.
Often available through provider dashboards or APIs.
Out of scope for receive-only plugin behavior.
Possible from the wallet, but not automated against invoices.
Risk posture
Plain-language issuer, network, and refund boundaries stated up front.
Provider terms may abstract away risks until settlement or review.
Technical plugin docs, with less managed-service packaging.
Risk is fully on your process and wallet hygiene.
Fees
BitSettle
0% processor fees. You keep every payment, minus small network costs.
Custodial PSP
Typically 1–3% per transaction, plus possible payout or conversion fees.
Upstream plugin
No managed-service fee, but you operate and pay for infrastructure yourself.
Manual wallet ops
No software fee, but high manual reconciliation cost on your team's time.
Settlement time
BitSettle
About a second on Lightning; seconds to minutes for stablecoins.
Custodial PSP
Often 1–3 business days for fiat payout from the provider balance.
Upstream plugin
Same on-chain speed, but you handle confirmation policy yourself.
Manual wallet ops
As fast as the chain, but matching to invoices is done by hand.
Custody
BitSettle
Watch-only; money settles to a wallet only you control. No keys on the server.
Custodial PSP
Provider-controlled balance or payout ledger; funds depend on provider terms.
Upstream plugin
Receive rails for supported chains without BitSettle's managed posture.
Manual wallet ops
Funds stay in your wallet, but matching payments to invoices is manual.
USDT coverage
BitSettle
Nine networks: Bitcoin, Lightning, and seven USDT chains.
Custodial PSP
Varies by provider, onboarding jurisdiction, and risk policy.
Upstream plugin
Base support for TRON, Ethereum, and Polygon.
Manual wallet ops
Any network your wallet supports, with no invoice automation.
Refunds and payouts
BitSettle
Sent from your own wallet. BitSettle never holds signing keys.
Custodial PSP
Often available through provider dashboards or APIs.
Upstream plugin
Out of scope for receive-only plugin behavior.
Manual wallet ops
Possible from the wallet, but not automated against invoices.
Risk posture
BitSettle
Plain-language issuer, network, and refund boundaries stated up front.
Custodial PSP
Provider terms may abstract away risks until settlement or review.
Upstream plugin
Technical plugin docs, with less managed-service packaging.
Manual wallet ops
Risk is fully on your process and wallet hygiene.
"Custodial PSP" reflects typical terms of providers such as BitPay and Coinbase Commerce. Fees, settlement timing, and coverage vary by provider, plan, and onboarding jurisdiction.
Ready when you are
Accept Bitcoin and dollars, keep every payment
We host, configure, and monitor the whole stack. You point settlement at a wallet you control and start accepting. Early members get priority onboarding before public launch.
