BitPay review
Updated October 12, 2026 · HodlCue Editorial Team
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Our verdict
BitPay trades custodial simplicity for self custody control, keeping keys with the holder rather than a third party. It is an all in one crypto app for buying, storing, swapping and spending, and it suits people who want payments, gift cards and bill settlement in one place.
Key facts
Crypto wallets
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataWikipediaXLinkedIngithub.com
Pros and cons
Pros
- Self custody wallet supporting multiple wallets across networks
- Buying, swapping, bill payment and gift cards in one app
- Merchant acceptance tools sit alongside personal buying, storage and spending features
- Multisig option for added protection of stored assets
Cons
- Access is subject to geographic restrictions that exclude some users
- Self custody leaves key management with the holder rather than a provider
Who it suits
- Holders who want to keep control of private keys
- People combining storage with spending and bill settlement
- Merchants wanting to accept crypto payments
Who should look elsewhere
- People wanting a custodial account with provider held keys
Safety and regulation
Safety centres on user control through self custody. Assets remain with the holder, with support for multiple wallets across networks and multisig to protect holdings. The wallet allows management of portfolios with tools for exchange between assets and for everyday payments. Help is available through a support library for questions on use. The business holds a Virtual Currency Business Activity authorisation from the New York State Department of Financial Services, which governs part of its activity.
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 can be done inside the BitPay app?+
The app brings buying, storage, swapping and spending together in one place. Holders can pay bills, obtain gift cards and handle merchant payments from the wallet. It is positioned as everyday utility for managing a portfolio.
Where is BitPay available?+
Availability varies by location because geographic restrictions apply. Terms and conditions explain where products can be used. People should confirm eligibility for their country before registering.
Which networks and assets does BitPay cover?+
The wallet supports multiple wallets across networks, including Solana, Arbitrum, Optimism and Base. Holders can buy BTC alongside hundreds of other cryptocurrencies. Thousands of crypto pairs are available for exchange.
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”
- bitpay.com/wallet checked September 26, 2026
Backs: Coins supported, Custody, Open source, Wallet type
“One wallet, 300+ assets”
Compiled from 6 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.