send21 as a BitPay alternative

BitPay receives crypto payments and settles them to you, in your local currency to a bank account or in crypto. send21 never receives the payment: it goes from the payer's wallet straight to yours.

What is different

BitPaysend21
Fee2% + 25 cents under $500,000 a month, 1.5% + 25 cents up to $1M, 1% + 25 cents above (higher for high-risk industries)0.49% down to 0.01%, capped at $100
SettlementLocal currency to your bank (AUD, CAD, EUR, GBP, MXN, NZD, USD) or cryptoNo settlement step: the payment is already in your wallet
Where the payment landsBitPay first, then settled to youYour own wallet, directly
LightningSee BitPayYes, with automatic confirmation where the wallet provider supports it
AI agentsSee BitPayMCP server, scoped keys that cannot spend, approved addresses only

Choose BitPay if

  • You need crypto payments converted and paid out to a bank account.
  • You want an established processor with retail and point-of-sale tools.

Choose send21 if

  • You want to keep the crypto, in your own wallet, from the first second.
  • You want a much lower fee: 0.49% at most, and never more than $100 per payment.
  • You build on an API or with AI agents.

Checked

Compared on 22 October 2026 against the BitPay pricing page. Check bitpay.com for current terms; tell us at info@send21.io if something here is out of date.

Related

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This page is also available as Markdown: /compare/bitpay.md. Questions: integration@send21.io.