Best Open-Source Crypto Payment Gateways
Self-hosted, open-source payment solutions you can audit, customize, and deploy on your own infrastructure.
Last updated: March 2026 · 4 gateways match this category
Open-Source Payment Gateways: Full Control
Open-source crypto payment gateways give you complete transparency into how your payment infrastructure works. You can audit the code, customize the checkout flow, and deploy on your own servers. BTCPay Server is the most mature open-source option — a fully self-hosted payment processor with zero fees, used by thousands of merchants worldwide.
XAIGATE offers open-source plugins for WooCommerce and PrestaShop, though the core gateway is not self-hosted. This gives you code transparency for the integration layer while XAIGATE handles payment processing at 0.2% per transaction. It is a middle ground between full self-hosting and trusting a closed-source provider.
The case for open source is strongest for businesses handling significant volume or sensitive transactions. Closed-source gateways are black boxes — you trust that they handle your payments correctly. Open-source lets you verify. BTCPay Server has been audited by multiple security firms and is actively maintained by a large contributor community.
Top 3 Compared
| Feature | XAIGATE | BTCPay Server | GoURL |
|---|---|---|---|
| Tier | Silver | Bronze | Bronze |
| KYC Level | No KYC | No KYC | No KYC |
| Transaction Fee | 0.2% | 0% (free) | 1.5% |
| Monthly Fee | Free | Free (self-hosted) | Free |
| Supported Crypto | BTC, ETH, USDT, USDC, BNB +3 | BTC, LTC, XMR, ETH | BTC, ETH, LTC, DOGE, DASH +2 |
| Chains | Ethereum, BSC, Tron | Lightning, Litecoin, Ethereum | Bitcoin, Ethereum, Litecoin |
| Subscriptions | |||
| Invoicing | |||
| POS Terminal | |||
| API | |||
| Plugins | WooCommerce, PrestaShop | WooCommerce, Shopify, Magento, PrestaShop, Drupal | WooCommerce, WordPress |
| White Label | |||
| Mass Payouts | |||
| Fiat Settlement | |||
| Non-Custodial | |||
| Open Source | |||
| Affiliate Program | TBD Revenue share | None | None |
| Action |
All Matching Gateways
XAIGATE
Budget-conscious merchants wanting the absolute lowest transaction fees with auto-USDT conversion
0.2%
8+ coins
BTCPay Server
Technical merchants who want zero fees, full sovereignty, and complete control over their payment infrastructure
0% (free)
4+ coins
PayRam
Technical merchants wanting sovereign, self-hosted, zero-fee crypto payment processing with no middleman
0%
6+ coins
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