BTCPay Server vs OpenNode

Non-custodial & open-source: You run the server, you control the private keys. This eliminates counterparty risk and aligns with Bitcoin's core ethos. This matters for merchants prioritizing censorship resistance and developers needing full auditability of the payment flow.

Zero transaction fees: After the initial setup cost (your own server/VPS), you pay only the Bitcoin network fee. This matters for high-volume merchants and businesses with thin margins where payment processing fees directly impact profitability.

Managed API-first infrastructure: Provides a Stripe-like REST API, webhooks, and SDKs for rapid integration. This matters for e-commerce platforms (Shopify, WooCommerce) and fintech apps that need to implement Bitcoin payments in days, not weeks, without managing node infrastructure.

Integrated instant settlement: Automatically convert Bitcoin to local currency (USD, EUR, etc.) at point of sale, settling to your bank account. This matters for businesses that operate in traditional accounting and want to avoid Bitcoin price volatility on their balance sheet.

Full self-custody: You control the private keys and payment flow end-to-end, eliminating third-party risk. Zero transaction fees: No percentage cut on payments; you only pay the Bitcoin network fee. This matters for high-volume merchants and protocols prioritizing censorship resistance and minimizing operational costs.

Self-hosted infrastructure: Requires in-house DevOps for setup, security patches, and uptime (e.g., Docker, Lightning Network node management). No built-in fiat off-ramp: Requires integration with separate services like Bitfinex or Kraken for USD settlement. This matters for teams without dedicated infrastructure expertise seeking a turnkey solution.

Managed API-first service: Get started in minutes with SDKs for Node.js, Python, and PHP. Instant fiat conversion: Auto-convert BTC to USD/EUR at settlement with 1% fee, depositing directly to your bank. This matters for e-commerce platforms and startups needing rapid deployment and simplified treasury management.

Custodial model: OpenNode holds funds until payout, introducing counterparty and regulatory risk. Transaction fees: 1% fee on all processed payments. This matters for decentralized applications (dApps) or businesses where user fund custody and minimizing per-transaction overhead are critical.

Full Custody & Control: You hold your own private keys and manage the Bitcoin node. This eliminates third-party risk and aligns with cypherpunk principles. Critical for high-volume merchants or protocols where custody is non-negotiable.

Zero Transaction Fees: No per-payment fees beyond the Bitcoin network cost. After initial setup (server costs, dev time), operational costs are minimal. Ideal for businesses processing high-value or high-frequency transactions where fee savings compound.

Managed API-First Infrastructure: RESTful APIs, Webhooks, and extensive SDKs (Node.js, Python, PHP) enable integration in hours, not weeks. Handles node synchronization, liquidity, and payment routing automatically. Best for teams needing to ship fast without blockchain ops overhead.

Built-In Fiat Ramps: Instant conversion to USD, EUR, GBP via OpenNode's liquidity partners and automated payouts to bank accounts. This solves the treasury management hurdle for traditional businesses. A key differentiator for merchants needing regular cash flow.

Significant DevOps Burden: Requires maintaining a synchronized Bitcoin node, ensuring uptime, managing backups, and handling security patches. This demands dedicated DevOps resources, making it prohibitive for lean teams without blockchain expertise.

Third-Party Custody Risk: OpenNode controls private keys for received payments during settlement. You trust their security and solvency. This introduces counterparty risk, a deal-breaker for decentralized applications or privacy-focused merchants.