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PRICING / WHAT YOU PAY

Bitcoin payment pricing.
0% per sale.

Free up to $500 a month in bitcoin payments, in US dollars or the equivalent in your currency, over Lightning and in cash. Starter, $20 a month with your first seat, takes unlimited bitcoin volume and cards through your own processor; each further seat is $5 a month. No percentage and no per-payment fee on any plan. Your customers pay your own wallet directly, over Lightning or on-chain (early access).

No card on file 0% per payment on every plan No setup fee

PLANS

Three plans.
No cut of any sale.

Free counts the bitcoin payments you receive through SatsRail each month, at their US-dollar value when paid, so its cap means the same whatever currency you sell in. Starter has no cap. Every plan includes hosted checkout, payment links, the API and webhooks, the browser POS, accounting exports and the MCP server for AI agents. Free takes Lightning and cash; Starter adds card payments through your own processor, and a price per seat for your team.

Free

$0/month

Bitcoin payments up to $500 a month

  • Lightning and cash
  • Payment links and hosted checkout
  • Browser POS
  • API, webhooks and MCP
  • Seats: 1, yours included
  • No business verification
Start free

Enterprise

Custom

Over $100,000 a month in bitcoin payments

  • Everything in Starter
  • Custom pricing and API limits
  • Nothing blocked while we talk: Starter has no cap

Launch offer. The first 10 merchants to start Starter get 50% off their whole bill, seats and modules included, for their first 6 months of billing.

  • 0% SatsRail fee on every payment, on card payments too; your processor's normal fees apply.
  • A seat is a person on your team with access to your account, you included. Free has room for 1; Starter includes the first and adds $5 a month for each further seat. What a seat is.
  • Billed monthly with a Lightning invoice; a plan starts when it is paid. No card on file.
  • Paid plans need business verification (KYB) and our review, so verify before you outgrow Free.
  • Prices shown at a standard category (1.0×). Some categories carry a multiplier on the whole subscription, seats and modules included, never on payments. Today the multipliers are 1.0×, 1.3× and 2.2×, so Starter, with its first seat, costs at most $44 a month.
  • API limits on every plan: 100 requests a minute and 1,000 an hour per API key. Hosted checkout and payment links don't use a key, so they never count. What the limits count.

THE NUMBERS, FOR YOUR BUSINESS

What could you save?

Same sales. Two ways to get paid.
Adjust the example to fit your business.

01 Your sales
$
$
%

Default: a quarter of sales move to bitcoin and the rest stay on cards. Set 100% to compare the same sales paid entirely by card or entirely in bitcoin.

seats
Modules

Everyone with access, you included. Free has room for 1; a bigger team or a module needs Starter.

MCC 5999 · Loading category pricing…
An example at the standard 1.0×, the plan cards' prices. Choose your category for yours.

02 Your card processor

Illustrative rates, not quotes or market averages. Replace these with the fees on your statement.

%
$
$

Kept in both scenarios, such as your online-store platform's subscription.

03 Wallet & dollar conversion
$

Enter your hosting and recurring wallet costs. $0 assumes existing infrastructure. See setup options.

%

1% is an editable example, not an average. Applied to all bitcoin receipts (Lightning and on-chain). Use 0% if keeping bitcoin.

What is the conversion spread?

The difference between the market price and the price your provider gives you when you sell bitcoin. Include it together with any trading fee in the percentage above.

A 1% total conversion cost means $10 on $1,000 converted. A 0.05% quote means $0.50, but may exclude other fees. Check your provider’s full quote.

Providers set different fees and spreads: Strike Business · River.

Loading subscription pricing…

ONE RAIL. YOUR BUSINESS.

Simple costs. Direct payments.

A subscription you can see

A monthly price, Free up to $500 a month and then Starter, set by your team's seats with your category multiplier applied. No SatsRail setup fee and no cut of each sale.

Your wallet gets paid

Customers pay your own wallet directly, over Lightning or on-chain (early access) to a fresh address from your watch-only key. Customers pay the network fee. Keep the bitcoin or sell it through your own provider; see exchanges by country.

Start with the full API

Payment links, checkout, the POS and the full API from day one. Free test keys create simulated invoices, so you can build your integration before you sell. Read the docs.

Comparing bitcoin payment processors? See SatsRail next to BTCPay Server.

PRICING FAQ

Pricing questions, answered.

How much does SatsRail cost?

Free is $0 for bitcoin payments up to $500 a month, counted at their US-dollar value, over Lightning and in cash. Starter is $20 a month with your first seat and no volume cap, and adds card payments through your own processor. Each further seat is $5 a month, and each module, such as Inventory tracking, $2.50 a seat a month. Your first 30 days on Starter are free. Launch offer: the first 10 merchants to start Starter get 50% off for their first 6 months of billing. Prices are at a standard business category. Above $100,000 a month, talk to us about Enterprise. There is no percentage and no per-payment fee on any plan.

What is a seat?

A person on your team with access to your SatsRail account, you included. Free has room for 1. Starter's $20 a month includes your first seat, and each further seat is $5 a month. A module, such as Inventory tracking, is $2.50 a month for every seat, yours included. Your category multiplier applies to the whole bill.

Does “zero transaction fees” mean zero total cost?

No. SatsRail takes no percentage and charges no per-payment fee. You pay your plan's monthly price, plus your own wallet and conversion costs, and, if you take cards on Starter, your card processor's own fees. The calculator puts those costs together.

Does my business category change the price?

It can. Each category has a multiplier, starting at 1.0×, that applies to the subscription, seats and modules included, never to a payment. The plan cards show prices at 1.0×; search for your category in the calculator to see yours. Your final category is confirmed during business verification and shown in your dashboard.

How do I pay for my subscription?

Paid plans are billed monthly with a Lightning invoice from SatsRail, so there is no card on file. A plan starts when its invoice is paid. The first time you choose Starter, it starts at once and its first 30 days are free, before its first invoice. If a renewal goes unpaid, your plan stays on for a 4-day grace period, then moves to Free. The free plan needs no payment details at all. Paid plans require business verification (KYB).

What happens when I reach Free's cap?

Only Free has a cap. Past $500 in a month, new orders and quick charges in the dashboard, and new orders and payment requests through the API (which the POS app and AI agents on the MCP server use), are refused until you choose Starter, or a new month begins. Orders already created can still be paid. SatsRail emails you at 80% of the cap and when you reach it. Paid plans need business verification first, so start it before you near the cap. The cap counts the bitcoin payments you receive through SatsRail, at their US-dollar value when paid; unpaid, test-mode and cash orders do not count. (Developers: a refused request returns HTTP 429 with volume_limit_exceeded.) Starter is never refused for volume.

Will SatsRail send dollars to my bank?

No. SatsRail confirms bitcoin payments to your wallet. To receive dollars, you sell bitcoin through a separate provider, such as an exchange (see exchanges by country). Its fees, spread, account requirements and availability depend on the provider and your location. To cover that cost, you can add a conversion fee of up to 3% to bitcoin payments; checkout shows it as its own line.

Can I cancel?

Yes. Move down to Free at any time from the dashboard: the change takes effect when the period you have paid for ends, so your plan runs until then. Closing your account instead takes effect immediately and revokes your API keys, with no refund for the rest of the period.

What do the API limits count?

Every call to SatsRail's API made with your key, pay.js included: a pay.js product button loads its product on each page view, and each click opens a checkout session. Hosted checkout and payment links don't use your key, so they never count. Every plan allows 100 calls a minute and 1,000 an hour per key; past either, the API answers HTTP 429 with Retry-After.

Do all my customers have to switch?

No. Add bitcoin alongside cards. With Starter, connect your own card processor and customers who can't pay in bitcoin pay by card at the same checkout, with bitcoin as the default. Set the share you expect to move to bitcoin in the calculator. Card fees on the remaining sales and existing fixed subscriptions stay in the estimate.

Do you support on-chain payments?

Yes, in early access, on paid plans: Free takes Lightning and cash. Customers can pay on-chain at checkout above your minimum, straight to a fresh address from your watch-only key, with 0% per-payment fee from SatsRail; customers pay the on-chain network fee.

FREE UP TO $500 A MONTH IN BITCOIN PAYMENTS

Start free.
Upgrade when you grow.

Connect your Lightning wallet and take your first payment today. No card on file, no setup fee. Paid plans start after business verification, so verify before you outgrow Free.

Start free See wallet setup