BitPay review
Updated October 13, 2026 · DebitCue Editorial Team
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Our verdict
For crypto holders who want one app for holding and spending, BitPay is a crypto app with self-custody wallets and merchant payment tools. It gives you ways to manage, swap and use digital assets with control across major networks, backed by over 1 million wallets created.
Key facts
- Best for
- Crypto holders wanting self-custody storage and everyday spending
- Legal entity
- BitPay B.V. (Source, checked September 26, 2026)
- Headquarters
- Netherlands (Source, checked September 26, 2026)
- Founded
- 2011 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre, Chat (Source, checked September 26, 2026)
- Features
- Crypto, Self-custody
- Audience
- Business
- Official website
- bitpay.com
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataWikipediaXLinkedIngithub.com
Pros and cons
Pros
- Self-custody wallets keep control of assets across top networks
- Supports buying, swapping and spending within one crypto app
- Bill payments and merchant acceptance extend crypto to daily use
- Multisig wallet option adds extra protection for stored assets
Cons
- Crypto focus means no traditional current account or card range
- Geographic restrictions apply to parts of the app service
Who it suits
- Holders who want self-custody across multiple networks
- People who want to pay bills with crypto
Who should look elsewhere
- People seeking traditional bank accounts
Safety and regulation
BitPay centres safety on self-custody, so you hold your own assets rather than leaving them with a custodian. The service explains multisig wallets as a way to secure holdings with added approvals. Storage, swapping and spending remain linked to wallets under your control. Geographic restrictions apply to some functions, so availability varies by location.
How BitPay compares
Where BitPay is available
- Available
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, United States
- Licence in United States
- New York State Department of Financial Services (BitLicense) (NMLS ID#1496848), checked September 26, 2026
- Licence in United States
- Financial Crime Enforcement Network (FinCEN) - Money Service Business registration, checked September 26, 2026
- Licence in Netherlands
- De Nederlandsche Bank (Dutch Central Bank), checked September 26, 2026
- Licence in Netherlands
- Netherlands Authority for the Financial Markets (AFM) (MiCA CASP 724500F2THLY5MHEIM78), checked September 26, 2026, also valid in Netherlands, Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Greece, Spain, Finland, France, Croatia, Hungary, Ireland, Italy, Iceland, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does BitPay offer?+
BitPay provides a crypto app for buying, storing, swapping and spending digital assets. It also supports merchant acceptance of crypto payments at speed. Wallets, payments and spending tools sit together in one place.
How can crypto be used with BitPay?+
BitPay works for people who want to use crypto beyond investment. You can pay bills covering credit cards and mortgages from your wallet. You can also spend crypto and buy gift cards through the app.
Who is behind BitPay and who does it serve?+
BitPay presents itself as an all in one crypto company behind the wallet and payments app. It reports over 1 million wallets created by its community. It serves both individuals who hold crypto and merchants who accept it.
Which company operates BitPay?+
BitPay is operated by BitPay B.V.. (Source, checked September 26, 2026)
Where is BitPay based?+
BitPay is based in Netherlands. (Source, checked September 26, 2026)
When was BitPay founded?+
BitPay was founded in 2011. (Source, checked September 26, 2026)
How can I contact BitPay support?+
BitPay offers support through Email, Phone, Help-centre, Chat. (Source, checked September 26, 2026)
Sources
- esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ae_homeMemberState=NL”
- bitpay.com checked September 26, 2026
Backs: Features
“Store your assets with a self-custody wallet.”
- bitpay.com/blog/bitpay-turns-15 checked September 26, 2026
Backs: Founded
“Since 2011, BitPay has focused on one thing: making cryptocurrency more useful, accessible, and practical for everyday life.”
- bitpay.com/legal/terms-of-use checked September 26, 2026
Backs: Support channels
“you may contact BitPay by emailing support@bitpay.com or using BitPay's support bot: https://support.bitpay.com/ ... Phone: Call us at 1 404-737-9951”
- bitpay.com/pricing checked September 26, 2026
Backs: Audience
“Simple pricing for all businesses”
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Card type, Protection.