Btcpayserver vs GoCardless
Btcpayserver and GoCardless are both payments software. Btcpayserver is open source under MIT, with 7.9k GitHub stars. GoCardless is a commercial product from GoCardless.
Which to pick
- Pick Btcpayserver when
- You want to accept Bitcoin directly into your own wallet without a third-party processor.
- Pick GoCardless when
- You collect regular invoices or subscriptions and want lower fees and fewer failures than cards.
Side by side
A self-hosted Bitcoin and Lightning payment processor with invoices, a point of sale, crowdfunding pages and e-commerce plugins, with no middleman fees.
Collects recurring and one-off payments by bank debit and open-banking pay-by-bank across the UK, Europe, Australia, New Zealand and North America.
You run a full node and handle crypto price volatility, accounting and tax yourself.
Bank debit settles slowly and customers must authorise a mandate, which adds signup friction.
Production-ready (both)
Self-hosted server
Cloud service
C#, .NET and PostgreSQL
Not published
Open source, MIT (permissive)
Closed source, sold by GoCardless
You can build it into a product you sell, as long as you keep its copyright notice.
Closed source: you use it under the maker's terms and cannot change or resell the code.
7.9k GitHub stars
406 Wikipedia readers a month on phones
Established: started 9 years ago, latest release v2.4.7.
Not known
Other comparisons
More payment platforms and libraries
Both sides were judged on 2026-11-03 from makers' descriptions, Wikipedia, READMEs and GitHub data. License, age and popularity lines are worked out directly.