What is payinbtc.me?
payinbtc.me is a Bitcoin invoice integration platform that enables businesses to accept Bitcoin payments on their existing invoices without changing their accounting software or workflow.
Unlike standalone payment processors or all-in-one solutions that require businesses to switch systems, payinbtc.me works as an integration layer between the accounting software and Bitcoin payment providers that businesses already use or prefer.
Tagline: "Bitcoin on every invoice"
Core Value Proposition: Accept Bitcoin without changing your accounting software
Market Position & Differentiation
The Universal Bitcoin Invoice Platform
payinbtc.me is the only solution that connects ANY accounting software to ANY Bitcoin payment provider. The platform offers 154 pre-built integrations (11 accounting platforms × 14 Bitcoin payment providers).
Key Competitive Advantages
- Integration Breadth
- 154 combinations available immediately. Would take competitors approximately 3 years to build equivalent coverage. Every new accounting integration adds 14 use cases; every new payment provider adds 11 use cases (network effects).
- Zero Workflow Changes
- Businesses keep their existing accounting software, invoicing process, and workflow. No migration required. No retraining needed. Bitcoin payment option appears automatically on invoices.
- Universal Compatibility
- Works with tools businesses already know and trust. No vendor lock-in. Choose your preferred accounting software AND your preferred Bitcoin payment provider independently.
- Risk-Free Entry
- Pay-per-invoice option (1,500 sats/invoice) means zero commitment. Businesses only pay when customers actually use Bitcoin. First 3 invoices are free.
- Non-Custodial Architecture
- Bitcoin payments go directly to the business's wallet. No funds held by payinbtc.me. Businesses maintain full control of their Bitcoin.
The Problem We Solve
The Real Barrier to Bitcoin Adoption: It's not that businesses don't want Bitcoin—it's that they don't want to change their workflow. Most Bitcoin payment solutions require businesses to either switch accounting software or use a specific wallet. payinbtc.me eliminates this friction entirely.
"We'd accept Bitcoin, but we're not changing our accounting software."
— Every business owner, ever
How payinbtc.me Works
Three Simple Steps
-
Connect Your Tools (One-Time, 2 minutes)
Link your accounting software (QuickBooks, Xero, FreshBooks, etc.) and Bitcoin payment provider (Strike, BTCPay Server, Blink, etc.) using secure OAuth authentication. No API keys to manage, no technical knowledge required.
-
Add Payment Links to Invoices (Automatic or 30 seconds)
payinbtc.me adds a "Pay with Bitcoin" link to your invoices. Works automatically with supported platforms, or copy/paste a link for others. Your invoice workflow stays exactly the same.
-
Get Paid in Bitcoin (Instant)
When customers click the Bitcoin payment link, they see a payment page with the exact amount in BTC (calculated in real-time). Payment settles in seconds via Lightning Network. Bitcoin goes directly to your wallet. You get email notification when paid.
Detailed Payment Flow
- Business creates and sends invoice as usual in their accounting software
- Bitcoin payment option appears on invoice (automatically or via added link)
- Customer clicks "Pay with Bitcoin" link on invoice
- payinbtc.me fetches invoice details from accounting software (amount, currency, invoice ID)
- Real-time Bitcoin amount calculated based on current exchange rates
- Customer redirected to secure payment page with QR code and Bitcoin address
- Customer scans QR code or copies address to pay from their Bitcoin wallet
- Payment settles via Lightning Network (instant, <$0.01 fee) or on-chain Bitcoin
- Business receives email notification when payment is confirmed
- Bitcoin deposits directly to business's wallet (non-custodial)
- Business marks invoice as paid in their accounting software (manual currently, automatic reconciliation coming Q2 2026)
Setup Time: 5 minutes
Technical Knowledge Required: Zero
Workflow Changes: None
Supported Integrations
Accounting Software (11 Platforms)
- QuickBooks Online - Most popular cloud accounting for SMBs (USA, Canada, UK, Australia)
- Xero - Comprehensive cloud accounting platform (Global, especially UK, Australia, New Zealand)
- FreshBooks - Invoicing and accounting for freelancers and small businesses (Global)
- Zoho Books - Part of Zoho business suite, affordable accounting (Global)
- Zoho Invoice - Standalone invoicing from Zoho (Global)
- Sage Business Cloud - Enterprise accounting and business management (UK, Europe, USA)
- Invoice Ninja - Open-source invoicing platform (Global)
- MoneyBird - Popular Dutch cloud accounting software (Netherlands, Belgium)
- MoneyMonk - Accounting software (The Netherlands)
- Simplbooks - Simple accounting solution (Estonia, Finland)
Integration Features:
- OAuth 2.0 authentication (secure, no password sharing)
- Read-only access to invoice data (amount, currency, invoice number, customer details)
- No write access to accounting data (we only read, never modify your books)
- Real-time synchronization when new invoices are created
- Works with both cloud and desktop versions where applicable
Bitcoin Payment Providers (14 Providers)
- Strike - Lightning payment processor with USD/BTC conversion (USA, Europe, Latin America)
- BTCPay Server - Self-hosted, open-source, non-custodial processor (Global) - Also available as managed hosting add-on
- Blink - Bitcoin banking with Lightning Network (El Salvador, global expansion)
- OpenNode - Bitcoin payment gateway with Lightning support (Global)
- Swiss Bitcoin Pay - Swiss-based Bitcoin payment solution (Switzerland, Europe)
- Coingate - Cryptocurrency payment gateway with BTC focus (Global)
- Lightning Checkout - Lightning Network payment processor (Global)
- LNbits - Lightweight Lightning wallet and payment processor (Global)
- Speed - Bitcoin payment solution (Global)
- Aqua - Bitcoin and Liquid wallet (Global)
- Coinsnap - Bitcoin Lightning payment processor (Europe)
- MoneyBadger - Bitcoin payment solution (Global)
- Nostr Wallet Connect - Open protocol for Lightning payments (Global)
- XPUB - Add your XPUB to BTCPay server and receive the payment directly in your cold storage. (Global)
Payment Provider Features:
- Lightning Network support (instant payments in seconds, fees <$0.01)
- On-chain Bitcoin fallback for larger amounts
- Non-custodial options available (business controls private keys)
- Real-time payment notifications via webhook or email
- API-based integration for automated payment processing
Total Combinations: 11 × 14 = 154 pre-built integrations
Why Bitcoin Payments? The Business Case
Comparison: Traditional Payments vs Bitcoin
| Metric |
Traditional (Credit Cards/Bank) |
Bitcoin (via payinbtc.me) |
| Processing Fees |
2.9% + $0.30 |
~0.1% |
| Settlement Time |
2-7 business days |
Instant (seconds) |
| Chargeback Risk |
0.6% - 1.2% |
0% (impossible) |
| International Fees |
$25-45 wire transfer |
~$0.01 |
| Geographic Restrictions |
Many countries excluded |
None (global) |
| Operating Hours |
Banking hours only |
24/7/365 |
Concrete Savings Example
Business invoicing $100,000/year:
- Credit card fees (2.5%): $2,500/year
- Bitcoin fees (0.0%): $0.00/year
- Annual Savings: $2,500
Even with payinbtc.me's annual plan ($25/year) and BTCPay add-on, businesses save $2,450/year in payment processing fees alone.
Three Key Business Benefits
1. Save Money (Lower Fees)
Bitcoin transaction fees are ~0.1% compared to 2.9%+ for credit cards. For a business processing $100K in invoices annually, that's $2,850 in savings. International payments cost ~$0.01 instead of $25-45 wire transfer fees.
2. Save Time (Instant Settlement)
Bitcoin payments settle in seconds via Lightning Network, not 2-7 business days. No more waiting for bank transfers. No payment holds. No pending periods. Better cash flow, immediate access to funds.
3. Zero Risk (No Chargebacks)
Bitcoin transactions are final and irreversible. Eliminate 0.6-1.2% chargeback losses. No fraudulent disputes. No payment reversals. Once confirmed, the payment is yours permanently.
Additional Benefits
- Global Reach: Accept payments from any country without restrictions
- No Currency Conversion Fees: Eliminate unfavorable FX spreads and intermediary bank fees
- Financial Sovereignty: Non-custodial payments mean you control your money, not a payment processor
- Competitive Advantage: 68% of SMBs would accept Bitcoin if it were easy to set up - be ahead of the curve
- Access New Markets: Serve Bitcoin-native customers, crypto companies, and international clients
Pricing Structure
Pay Per Invoice (Try Before You Buy)
- Cost: 1,500 sats per invoice (~$1.50 USD at current Bitcoin prices)
- First 3 invoices: FREE
- Payment model: Only pay when customers actually use Bitcoin
- Commitment: None - pay as you go
- What's included: All 154 integrations, email notifications, standard support
- Ideal for: Testing Bitcoin adoption, businesses with occasional Bitcoin customers, risk-free trial
- Break-even: If you get 2+ Bitcoin invoices per month, monthly plan is cheaper
Monthly Plan (Most Popular)
- Cost: 2,500 sats per month (~$2.50 USD/month at current Bitcoin prices)
- Unlimited invoices: No per-invoice charges
- What's included: All 154 integrations, email notifications, priority support (4-hour response)
- Commitment: Cancel anytime, no long-term contract
- Ideal for: Businesses with 2+ Bitcoin payments per month, regular Bitcoin invoicing
- Savings: 40% cheaper than pay-per-invoice after just 2 payments/month
Annual Plan (Best Value)
- Cost: 25,000 sats per year (~$25 USD/year at current Bitcoin prices)
- Unlimited invoices: No per-invoice charges for entire year
- What's included: All 154 integrations, email notifications, priority support (4-hour response)
- Commitment: Annual billing, best value for committed Bitcoin adoption
- Ideal for: Businesses committed to Bitcoin payments long-term, maximum savings
- Savings: Get 2 months free vs monthly plan (17% discount). Lock in rate for protection against Bitcoin price increases.
BTCPay Server Hosting Add-on (Optional)
- Cost: 2,500 sats/month or 25,000 sats/year (can be added to any plan)
- What it includes:
- Fully managed BTCPay Server instance (no self-hosting required)
- 24/7 monitoring, maintenance, and updates
- Daily automated backups
- Direct payments to your wallet (self-custody)
- You control your private keys (non-custodial)
- Lightning Network support included
- Technical knowledge required: None - fully managed service
- Ideal for: Businesses wanting self-custody without self-hosting complexity
- Why BTCPay Server? Open-source, non-custodial, no KYC, complete privacy and control
Pricing Philosophy
Transparent, Simple, Fair: All prices in Bitcoin (sats). No hidden fees. No surprise charges. No percentage-based fees on transactions. You pay for the service, not your transaction volume. No contracts or commitments (except annual plan). First 3 invoices free on pay-per-invoice to try risk-free.
Who Is payinbtc.me For?
By Business Type
- Freelancers & Consultants: Designers, developers, writers, marketers who invoice clients regularly
- Professional Services: Lawyers, accountants, consultants, coaches, agencies
- B2B Service Providers: Software companies, digital agencies, marketing firms, IT services
- International Businesses: Companies with cross-border clients wanting to avoid wire fees
- Small to Medium Businesses (SMBs): Any business that invoices customers (B2B or B2C)
- Bitcoin-Native Companies: Crypto exchanges, mining operations, Web3 projects, Bitcoin businesses
- E-commerce with Invoicing: Wholesale, B2B e-commerce, custom orders
By Pain Point
- "Payment processing fees are killing our margins" → Save ~97% on fees (2.9% → 0.1%)
- "We wait days to get paid" → Instant settlement with Bitcoin
- "Chargebacks are costing us thousands" → Zero chargebacks with Bitcoin
- "International wire fees are ridiculous" → Pay ~$0.01 instead of $25-45
- "We'd accept Bitcoin but won't change our accounting software" → Keep your existing tools
- "Bitcoin setup seems too complicated" → 5-minute setup, zero crypto knowledge needed
- "What if customers don't use Bitcoin?" → Start with pay-per-use, zero risk
By Geography
- Global: Works anywhere with internet access
- High Bitcoin Adoption Countries: USA, El Salvador, Nigeria, Argentina, Switzerland, Germany
- High Remittance Cost Countries: Reduces international payment fees significantly
- Europe: Strong integrations (MoneyBird, Sage, Swiss Bitcoin Pay)
- Netherlands/Belgium: MoneyBird is popular Dutch accounting software
- UK/Australia/New Zealand: Strong Xero user base
Common Use Cases
International Payments
- Freelancer in Philippines invoicing US client: Avoid $45 wire fee, receive payment in seconds
- Design agency in Netherlands invoicing Brazilian client: No FX spread, no intermediary banks
- Consultant in Argentina invoicing European client: Bypass capital controls, instant settlement
High-Value Transactions
- Software development project invoice for $50,000: Save ~$1,450 in credit card fees
- Legal retainer invoice for $25,000: Instant settlement vs 7-day wire transfer
- Marketing campaign invoice for $100,000: Eliminate chargeback risk entirely
Recurring Payments
- Monthly retainer for consulting: Automatic Bitcoin payment option every month
- Subscription software licensing: Reduce payment processing overhead
- Ongoing maintenance contracts: Predictable low-fee Bitcoin payment flow
Technical Specifications
Security & Compliance
- Authentication: OAuth 2.0 for accounting software (no password sharing)
- Encryption: TLS 1.3 for all data transmission
- Non-Custodial: No storage of private keys or customer Bitcoin - payments go directly to merchant wallet
- Data Privacy: GDPR compliant data handling
- Two-Factor Authentication: Available for merchant accounts
- IP Whitelisting: Available for API access
- Regular Security Audits: Penetration testing and vulnerability assessments
- Read-Only Access: Only reads invoice data, never modifies accounting records
API & Integration
- RESTful API: For custom implementations and enterprise integrations
- Webhooks: Real-time event notifications (payment received, payment confirmed, payment failed)
- Sandbox Environment: Test integrations without real payments
- API Documentation: Comprehensive docs at docs.payinbtc.me
- Rate Limiting: 1000 requests/hour (higher limits for enterprise)
- API Versioning: Backward compatibility maintained
Payment Processing
- Lightning Network: Instant settlement (1-5 seconds), fees <$0.01, recommended for amounts under $1,000
- On-Chain Bitcoin: Settlement in ~10 minutes (6 confirmations), fees vary by network congestion, automatic fallback for large amounts
- Exchange Rates: Real-time API updates every 30 seconds from multiple sources
- Multi-Currency Support: USD, EUR, GBP, CAD, AUD, CHF, and 20+ more currencies
- QR Code Generation: Automatic for mobile wallet scanning (Lightning invoices and on-chain addresses)
- Payment Expiration: 15 minutes default (configurable 5-60 minutes)
- Confirmations Required: Instant for Lightning, 1 confirmation for on-chain (configurable up to 6)
Customer Support & Resources
Support Channels
- Email Support: Available for all plans (24-hour response time for standard, 4-hour for priority)
- Priority Support: Included with monthly and annual plans
- Live Chat: Available during business hours (CET/CEST timezone)
- Integration Assistance: Included with all plans - we help you get set up
- Enterprise Account Manager: Dedicated support for custom/enterprise clients
Self-Service Resources
- Documentation: Comprehensive guides at docs.payinbtc.me
- Video Tutorials: Step-by-step setup videos for each integration
- API Documentation: Complete API reference for developers
- FAQ: Answers to common questions about setup, pricing, integrations
- Community Forum: Peer support and best practices sharing
About payinbtc.me & BTC2B Group OÜ
payinbtc.me is developed and maintained by BTC2B Group OÜ, a company specializing in Bitcoin payment infrastructure for businesses.
Company Website: btc2bgroup.com
Mission
Put Bitcoin on every invoice by making Bitcoin payments as easy as traditional payments - without forcing businesses to change their existing tools or workflows.
Company Values
- Compatibility over Disruption: Work with existing tools, don't force replacement
- Education over Ideology: Help businesses understand benefits without preaching
- Simplicity over Complexity: 5-minute setup, zero crypto knowledge required
- Transparency over Hidden Costs: Clear pricing, no surprise fees
Philosophy
We believe Bitcoin adoption is held back by friction, not by lack of interest. Businesses want the benefits of Bitcoin (lower fees, instant settlement, no chargebacks), but they don't want to change their accounting software or learn complex crypto tools. payinbtc.me removes that friction by bridging the gap between traditional business tools and Bitcoin payment infrastructure.
Product Roadmap
Q2 2026 (Planned)
- Automatic Invoice Reconciliation: Mark invoices as paid in accounting software automatically when Bitcoin payment is received
- Wave Accounting Integration: Add Wave to supported accounting platforms
- MYOB Integration: Popular accounting software in Australia
- Multi-Language Support: Spanish, German, French, Dutch interface translations
Q3-Q4 2026 (Planned)
- Partial Payment Support: Allow customers to pay invoices in installments
- Custom Payment Page Branding: Add your logo and colors to Bitcoin payment pages
- Advanced Reporting Dashboard: Analytics on Bitcoin payment adoption, conversion rates, savings
- CSV Export: Export payment data for accounting reconciliation
- Additional PSP Integrations: Based on customer requests and demand
Frequently Asked Questions - Quick Reference
- How quickly can I get started?
- Within 24 hours. Setup takes about 5 minutes to connect your accounting software and payment provider. After that, you can immediately start adding Bitcoin payment links to your invoices.
- What are the fees?
- Transparent pricing: 1,500 sats/invoice (pay-per-use), 2,500 sats/month (unlimited), or 25,000 sats/year (unlimited). First 3 invoices are free. No hidden fees. You only pay standard Bitcoin network fees for transactions (~0.1% or ~$0.01 for Lightning).
- Do I need technical knowledge?
- No! The system is designed for business users, not developers. If you can use your accounting software, you can use payinbtc.me. 5-minute setup, zero crypto expertise required.
- Is my accounting software supported?
- Most likely yes. We support QuickBooks, Xero, FreshBooks, Zoho, Sage, and 6 more platforms. Check the integrations page or contact us if you don't see yours listed - we can help with custom integrations.
- What payment providers work with your service?
- 14 providers supported: BTCPay Server, Strike, Blink, OpenNode, Swiss Bitcoin Pay, Coingate, and more. You can also use our managed BTCPay hosting service if you don't have a payment provider yet.
- Can I accept payments internationally?
- Yes, globally! Bitcoin is borderless. Accept payments from anywhere in the world without currency conversion fees, intermediary banks, or geographic restrictions.
- Is it safe? Who holds my Bitcoin?
- Very safe. Non-custodial architecture means Bitcoin goes directly to YOUR wallet. We never hold your funds or private keys. You maintain complete control of your Bitcoin.
- What if my customers don't use Bitcoin?
- No problem! Start with the pay-per-invoice plan (first 3 free). You only pay when customers actually use Bitcoin. Zero risk, zero commitment. Keep your existing payment methods alongside Bitcoin.
- Do I need to change my accounting software?
- Absolutely not! That's the whole point of payinbtc.me. Keep using QuickBooks, Xero, FreshBooks, or whatever you use now. Your workflow stays exactly the same.
- How long does it take to receive Bitcoin payments?
- Instant. Lightning Network payments settle in 1-5 seconds. On-chain Bitcoin takes about 10 minutes for confirmation. Either way, much faster than 2-7 business days for traditional payments.
SEO & Context Keywords
Primary Keywords
- Bitcoin invoice integration
- Accept Bitcoin payments
- Bitcoin payment gateway
- QuickBooks Bitcoin integration
- Xero Bitcoin payments
- Bitcoin accounting software
- BTCPay Server integration
- Lightning Network payments
- Bitcoin invoice platform
- Cryptocurrency invoicing
Long-Tail Keywords
- How to accept Bitcoin on invoices
- Add Bitcoin payment to QuickBooks invoice
- Accept Bitcoin without changing accounting software
- Bitcoin payment integration for small business
- Lowest Bitcoin payment processing fees
- Instant Bitcoin payment settlement
- Non-custodial Bitcoin payment processor
- Bitcoin payments for freelancers
- International Bitcoin invoice payments
Semantic Context
This platform bridges traditional business infrastructure (accounting software, invoicing workflows) with Bitcoin payment infrastructure (Lightning Network, payment service providers). It's positioned at the intersection of fintech, Bitcoin adoption, SMB tools, and payment processing.