No chargebacks
Bitcoin and USDT payments are final. Once a customer pays, the money is yours. No disputes, no clawbacks 90 days later, no fraud reversals eating your margin.
A Bitcitizen LLC service
One dollar. Nine networks. Zero middlemen.
BitSettle is the Bitcoin and USDT settlement rail for businesses that operate in the real world. Accept Bitcoin and dollars from anyone, anywhere: native Bitcoin and Lightning plus USDT across seven networks, settled straight to a wallet only you control. No chargebacks. No processor fees. No frozen accounts.
No spam. We only email you about BitSettle early access.
Payment received
invoice #A2F19$1,250.00
1,250 USDT · Solana
Customer
Your wallet
- Processor fee
- 0.00%
- Settles to
- bc1q…only you control
- Status
- Settled
txid 0x9f3c…a71b · confirmed on-chain · no custody
BitSettle is a Bitcitizen LLC service. Built on open BTCPay Server.
Merchants & online storesAdvisors & wealth servicesHigh-trust service businessesGlobal & cross-border teams
The problem with cards & PSPs
Stop losing a slice of every sale to middlemen.
Bitcoin is borderless. Your business still runs on legacy rails: card networks and payment providers that take a cut, hold your money, and reverse payments months later. BitSettle replaces them with rails that pay you in full, instantly, with no one in between.
No processor fees
Skip the 1–3% every card network and PSP skims off the top. You keep 100% of every payment, whether it's $5 or $50,000.
No frozen accounts
Funds settle to a wallet only you control. There's no provider balance to be held, reviewed, or frozen. Your money never sits in someone else's account.
Instant global settlement
Lightning settles in about a second; stablecoins in minutes. Accept payment from a customer on any continent without waiting days for a bank to clear it.
How it works
Three steps. No custody. No middleman.
Simple for your customer, transparent for you. Here is exactly what happens on both sides of every payment.
01
Your customer pays
From any of 9 networks, whatever wallet they already hold.
+4 more
02
BitSettle watches
We verify the payment on-chain. We observe; we never hold.
No custody
03
Lands in your wallet
Settlement goes straight to a wallet only you control.
your keys
01
Your customer pays however they hold money
CustomerThey scan a code and pay in Bitcoin or dollars (USDT) from whatever wallet or exchange they already use.
YouBitSettle generates a fresh receiving address per invoice across the network the customer chose, with no key material on the server.
02
BitSettle watches the chain and confirms
CustomerThe payment is verified on-chain in seconds to minutes. No card form, no account sign-up, no middleman approving the transaction.
YouTransfers are matched against allowlisted contracts, mints, and decimals, then settled only after your confirmation policy is met.
03
Money lands in your wallet, not ours
CustomerYour invoice marks paid and you're done. The funds are already in your control.
YouBitSettle never holds, custodies, or signs. Settlement goes directly to the wallet you configured. We watch; you own.
Nine networks
One dollar, paid however your customer already holds it.
Your customer pays from whatever wallet or exchange they already use, so you never lose a sale to the wrong chain. Bitcoin, Lightning, and USDT across seven networks, all in one checkout.
Bitcoin
BTCThe original. Settles natively.
Lightning
BTCBitcoin in about a second.
TRON
USDTThe most-used dollar rail.
Ethereum
USDTThe settlement standard.
Polygon
USDTLow-fee dollar payments.
Arbitrum
USDTFast, cheap Ethereum L2.
BNB Chain
USDTPopular across Asia.
Avalanche
USDTSub-second finality.
Solana
USDTHigh-throughput dollars.
Proof & security
Self-custody, by design.
The numbers that matter, and the architecture behind them. We watch the chain so you keep control of the money.
- Networks supported
- 9
- Processor fees
- 0%
- Keys we ever hold
- 0
- Lightning settlement
- ~1s
We never hold your keys
BitSettle is receive-only by design. It watches addresses and token transfers without ever touching seed words, private keys, or signing keys.
Contract & mint allowlists
Settlement matches exact token contracts and Solana mints, never a symbol alone, so wrapped or look-alike tokens can't slip through as real dollars.
Open-source verifiable
The settlement engine is built on open BTCPay Server, so the rails are auditable rather than a black box you have to take on trust.
Fully hosted & monitored
We host, configure, and monitor the whole stack: dedicated RPC, rail health, and uptime, so you get self-custody without running infrastructure.
Plain talk
No surprises. Exactly what USDT can and can't do
We'd rather tell you the boundaries up front than bury them. These are real properties of self-custody stablecoin rails, and we name them directly.
- USDT is issued by Tether, a centralized company; issuer controls can freeze or affect balances.
- Wrapped or bridged USDT look-alikes aren't treated as real dollars unless explicitly allowlisted.
- Networks aren't interchangeable: a customer must send the right asset on the network they selected.
- Refunds go out from your own wallet; BitSettle is receive-only and never holds signing keys.
How it stacks up
Built to keep more of every payment
MetricBitSettleCustodial PSP
Processor fees0%1–3% per transaction
Settlement time~1s to minutes1–3 business days
ChargebacksNone. Payments are finalCommon, with dispute fees
Who holds the moneyOnly youThe provider, until payout
“Custodial PSP” reflects typical terms of providers such as BitPay and Coinbase Commerce. Fees and timing vary by provider and plan.
Early access
Get early access before public launch
We host, configure, and monitor the whole stack for you. Early members get priority onboarding and a first look before BitSettle opens to the public. Verify the rails. Keep your keys. Settle to yourself.
Prefer to talk first? Talk to us →