Bitrefill
est. 2014
Turn crypto into gift cards, mobile top-ups and bills — the easiest way to actually spend it.
Spend & Earn
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Spend & Earn
Fact-checked 2026-08-14
BitPay
Established 2011
The original crypto payments company — invoices, cards and merchant rails since 2011.
BitPay processes crypto payments for businesses and gives consumers a prepaid card, wallet app and bill-pay features. It's the veteran of the payments category, still the default when a merchant 'accepts Bitcoin' through a processor.
Quick facts
Founded
2011
Category
Spend & Earn
Platforms
Web, iOS, Android
Key facts
Payment processor, Crypto card, Since 2011
Pros
- Oldest payments brand in crypto
- Merchant invoicing is genuinely useful for freelancers
- Card converts crypto to fiat spend seamlessly
Cons
- Conversion fees add up
- Some long-timers remember controversial policies around BCH/segwit
- Custodial card model
Best for
Freelancers invoicing in crypto and card spenders
Fees
Consumer transactions typically 1–2%+ in conversion and network costs.
Security notes
Custodial card and wallet. For invoices, BitPay's non-custodial payment flow is the cleaner option.
paymentsinvoicingmerchant
Frequently asked questions
What is BitPay?
BitPay is The original crypto payments company — invoices, cards and merchant rails since 2011. BitPay processes crypto payments for businesses and gives consumers a prepaid card, wallet app and bill-pay features. It's the veteran of the payments category, still the default when a merchant 'accepts Bitcoin' through a processor.
Is BitPay safe to use?
Custodial card and wallet. For invoices, BitPay's non-custodial payment flow is the cleaner option. As always, verify details on the official site before trusting funds to any service.
How much does BitPay cost?
Consumer transactions typically 1–2%+ in conversion and network costs. Figures change — confirm current pricing on the official site before deciding.
