Crypto Invoicing Tools: Features and Pricing Compared

Crypto Invoicing Platforms Overview

Crypto invoicing tools let freelancers and businesses create, send, and track invoices denominated in Bitcoin, stablecoins, or other cryptocurrencies. The category has matured significantly: platforms now offer automatic fiat conversion, accounting integrations, compliance workflows, and settlement in both crypto and traditional currencies.

Choosing the right tool depends on your specific needs. A solo freelancer billing in Bitcoin has different requirements than an enterprise accounts payable team processing stablecoin payments across 20 countries. The following comparison covers six major platforms: BTCPay Server, Request Finance, Gilded, Bitwage, CoinGate, and BitPay.

Platform Comparison

This table summarizes the key differences across pricing, supported currencies, and deployment models. All pricing reflects publicly available data as of mid-2026.

BTCPay Server

BTCPay Server is a free, open-source, self-hosted payment processor built primarily for Bitcoin. It charges zero transaction fees and zero percentage-based charges. The only cost is hosting: roughly $8/month on providers like LunaNode or Voltage, or free if you run it on your own hardware.

BTCPay Server supports native Lightning Network invoicing with near-instant settlement and sub-cent fees. On-chain Bitcoin invoices are also supported. Stablecoin support is limited: USDT on the Liquid sidechain is available via plugin, but there is no native support for ERC-20 stablecoins like USDC.

For accounting, BTCPay Server offers a QuickBooks Online plugin that pushes invoice payment events directly into QuickBooks, and Xero integration is available through Zapier. E-commerce integrations cover 30+ platforms including WooCommerce, Shopify, and PrestaShop. The tradeoff is clear: BTCPay Server is non-custodial and maximally sovereign, but it requires technical setup and does not convert to fiat.

Request Finance

Request Finance is a hosted SaaS platform built on top of the open-source Request Network protocol. It targets crypto-native businesses that need professional invoicing, payroll, and expense management across multiple blockchains.

The free plan covers basic invoice creation for freelancers. Paid plans start at $250/month (Basic) and scale to $1,250/month (Premium), with features like virtual corporate cards funded by USDC, multi-entity support, approval workflows, and NetSuite integration. Request Finance supports 380+ tokens across 20+ chains and processes crypto-to-fiat payouts to 190+ countries via ACH, SEPA, SWIFT, and SPEI.

As of early 2026, the platform has processed over $1.3 billion in total payments. USDC is the most-used token on the platform, followed by USDT at roughly 26% of payment volume. Accounting integrations include QuickBooks, Xero, SAP, and NetSuite. The platform is SOC 2 Type 1 audited and requires KYB verification for business accounts.

Gilded (Bitwave)

Gilded focuses on crypto accounting and invoicing with deep QuickBooks integration. It was acquired by Bitwave in September 2023 and now operates as a sub-brand within the Bitwave ecosystem. The platform pushes invoice payment events directly into QuickBooks with transaction hashes and fair-market-value pricing at the moment of payment.

Gilded offers a free Standard plan, a $197/year Premium plan, and custom Enterprise pricing. It supports 30+ tokens including BTC, ETH, USDC, and USDT, along with credit card and ACH/wire payments via Stripe. The platform is non-custodial: Gilded never touches the funds.

Key features include automated recurring invoices, automatic payment detection, and Blockpass KYC integration for customer verification. Gilded does not support Lightning Network payments or built-in fiat conversion. For enterprises with more complex needs, Bitwave (the parent platform) offers broader digital asset finance capabilities including NetSuite and Xero integrations.

Bitwage (Paystand)

Bitwage specializes in crypto payroll and invoicing for remote workers and contractors. Acquired by Paystand in November 2025, Bitwage has processed over $400 million in wages across 90,000+ workers and 4,500+ businesses over 11 years.

The free plan includes same-day global payouts and basic invoice management. The Premium plan costs $7.99/month per recipient (minimum $15.99 for two recipients) and removes the 1% local currency deposit fee, adds accounting automation, and provides a dedicated account manager. Funding options include ACH (0.5% + $0.50), wire (free), and credit card (3.5% + $0.30).

Bitwage ran the world's first Lightning-settled payroll in December 2021 and supports BTC, ETH, USDC, and USDT alongside 80+ local fiat currencies. The platform's Stablecoin Pay Portal lets businesses fund payrolls directly with USDC and USDT, and it integrates with 23 US payroll providers.

CoinGate

CoinGate is a Lithuanian payment gateway founded in 2014 that charges a flat 1% transaction fee with no monthly costs. It supports 70+ cryptocurrencies, including Bitcoin via Lightning Network for instant, near-zero-fee settlements. CoinGate obtained a MiCA license from the Bank of Lithuania in December 2025, allowing it to operate across all EU member states.

Fiat conversion is automatic: CoinGate locks the exchange rate at the moment of payment and settles in EUR, USD, or GBP. Crypto payouts carry a 0.5% fee plus 0.50 EUR, while payouts with fiat conversion cost 1.5% plus 0.50 EUR. The platform integrates with WooCommerce, Shopify, Wix, PrestaShop, and other e-commerce platforms, but lacks direct QuickBooks or Xero integrations. Accounting relies on CSV exports and API endpoints.

BitPay

BitPay is one of the oldest crypto payment processors, founded in 2011 and currently serving 130,000+ merchants globally. It processed $1.38 billion in crypto payments in 2025, a 20% year-over-year increase. Approximately 40% of all BitPay payments in 2025 used stablecoins.

Pricing is volume-tiered: 2% + $0.25 per transaction under $500,000/month, dropping to 1% + $0.25 at $1 million+/month. BitPay supports 100+ cryptocurrencies including BTC (on-chain and Lightning), ETH, SOL, USDC, USDT, DAI, and PYUSD. Settlement happens next business day to bank accounts in USD, EUR, GBP, CAD, AUD, NZD, or MXN.

BitPay offers QuickBooks integration via IIF file import and tax tools through ZenLedger. Its 3-tier merchant verification system requires government ID for all persons with 25%+ ownership interest and business bank statements. For a broader look at payment processor options, see the payment gateway comparison tool.

Accounting Integrations Compared

Accounting integration is often the deciding factor for businesses choosing a crypto invoicing platform. Manual reconciliation of crypto payments is time-consuming and error-prone, especially when dealing with volatile asset prices and multiple currencies.

Lightning and Stablecoin Invoice Options

Two trends are reshaping crypto invoicing: Lightning Network adoption and stablecoin payments. Lightning invoices settle in seconds with sub-cent fees, making them practical for small recurring payments and freelance billing. For details on how Lightning invoices work, see our guide to BOLT11 and BOLT12 invoice formats.

BTCPay Server, BitPay, CoinGate, and Bitwage all support BOLT11 Lightning invoices. BTCPay Server provides the deepest Lightning integration with native channel management, while BitPay and CoinGate handle Lightning transparently behind their payment flows.

Stablecoin invoicing eliminates exchange rate volatility entirely. Request Finance reports that USDC and USDT together account for the majority of its payment volume. BitPay saw stablecoin usage reach 40% of all payments in 2025. For businesses billing in fiat-backed stablecoins, the invoice amount stays fixed from creation to settlement, removing the need for price-locking mechanisms.

On the Bitcoin side, Spark enables stablecoin transfers natively on Bitcoin through USDB, providing a path for Bitcoin-focused businesses to invoice in dollars without bridging to Ethereum or Solana. For generating invoices quickly, see the invoice generator tool.

Compliance and Regulatory Considerations

Regulatory requirements vary significantly across platforms. CoinGate obtained a MiCA license in December 2025, positioning it for EU-compliant merchant payments. BitPay enforces a 3-tier KYC verification system for merchants. Request Finance is SOC 2 Type 1 audited and requires KYB verification.

BTCPay Server, as self-hosted open-source software, imposes no KYC/AML requirements: merchants are responsible for their own compliance. This makes it attractive for privacy-focused users but shifts the regulatory burden entirely to the operator.

The IRS introduced Form 1099-DA for the 2025 tax year, affecting crypto payment processors and hosted wallet providers. Businesses using custodial invoicing platforms should expect to receive these forms, while self-hosted solutions like BTCPay Server leave tax reporting to the merchant. For a broader look at regulatory frameworks, see our GENIUS Act stablecoin regulation explainer.

How to Choose a Crypto Invoicing Tool

For freelancers billing clients in Bitcoin: BTCPay Server offers zero fees and full sovereignty, but requires technical setup. Bitwage's free plan provides a simpler path with same-day global payouts and stablecoin support.

For small businesses needing accounting integration: Gilded's native QuickBooks sync at $197/year is the most cost-effective option. BitPay's QuickBooks import works for businesses already processing payments through its platform.

For enterprises with multi-chain, multi-currency needs: Request Finance's 380+ token support, SAP/NetSuite integrations, and crypto-to-fiat payouts to 190+ countries make it the most comprehensive option, though pricing starts at $250/month.

For EU-based merchants: CoinGate's MiCA license and automatic fiat conversion at 1% per transaction provide a compliance-first solution with broad cryptocurrency support.

For Bitcoin-native invoicing with fast settlement: BTCPay Server with Lightning provides the lowest-cost option. Businesses that also want stablecoin settlement on Bitcoin can explore USDB on Spark for dollar-denominated invoicing without leaving the Bitcoin ecosystem. For more on how merchants can accept Bitcoin payments, see our dedicated guide.

Frequently Asked Questions

What is the best free crypto invoicing tool?

BTCPay Server is the only fully free option with zero transaction fees. It is open-source and self-hosted, meaning the only cost is server hosting (around $8/month). Bitwage and Gilded both offer free plans with limited features, and Request Finance has a free tier for basic freelancer invoicing. CoinGate and BitPay charge no monthly fees but take 1-2% per transaction.

Can I create a Lightning Network invoice for my business?

Yes. BTCPay Server, BitPay, CoinGate, and Bitwage all support Lightning invoices. Lightning payments settle in seconds with fees typically below $0.01, making them practical for invoices of any size. BTCPay Server provides the most control over Lightning channel management, while BitPay and CoinGate abstract the complexity behind their hosted platforms.

Which crypto invoicing tools integrate with QuickBooks?

BTCPay Server offers a QuickBooks Online plugin, Gilded has a native QuickBooks integration that pushes payment events with transaction hashes and fair-market-value pricing, Request Finance supports QuickBooks across all plans, and BitPay supports QuickBooks via IIF file import. CoinGate does not offer direct QuickBooks integration but provides CSV exports and API endpoints for manual reconciliation.

How do stablecoin invoices work?

A stablecoin invoice specifies a payment amount in a fiat-backed stablecoin like USDC or USDT. Because stablecoins maintain a 1:1 peg to the dollar, the invoice amount does not fluctuate between creation and payment. Request Finance, BitPay, Gilded, and CoinGate all support stablecoin-denominated invoices. This eliminates the need for exchange-rate locking or conversion spreads that apply to volatile cryptocurrency invoices.

Do I need KYC to use a crypto invoicing platform?

It depends on the platform. BTCPay Server requires no KYC because it is self-hosted open-source software. Request Finance requires KYB (Know Your Business) verification. BitPay enforces a 3-tier verification system with government ID requirements. CoinGate requires KYC under its MiCA license. Gilded offers optional Blockpass KYC integration. Bitwage requires identity verification as a regulated payroll platform.

Can I accept crypto payments and settle in fiat?

Yes. BitPay, CoinGate, Request Finance, and Bitwage all offer automatic crypto-to-fiat conversion. BitPay settles next business day in seven fiat currencies. CoinGate locks the exchange rate at payment time and settles in EUR, USD, or GBP. Request Finance supports payouts to 190+ countries via ACH, SEPA, and SWIFT. BTCPay Server and Gilded do not offer built-in fiat conversion: you receive crypto directly and handle conversion separately.

What are the tax implications of crypto invoicing?

Receiving cryptocurrency as payment for goods or services is a taxable event in most jurisdictions. The IRS introduced Form 1099-DA for the 2025 tax year, which applies to brokers, payment processors, and hosted wallet providers. Businesses should track the fair market value of crypto received at the time of payment. Platforms like Gilded automate this by recording FMV at the moment of settlement, while BTCPay Server provides CSV exports for manual tax preparation.

This tool is for informational purposes only and does not constitute financial advice. Pricing, features, and regulatory statuses change frequently. Data is based on publicly available information as of mid-2026. Always verify current pricing and compliance requirements directly with each platform before making business decisions.