BTC Pay Server, developed by a community-driven open-source project, is a self-hosted Bitcoin payment processor designed to empower merchants and individuals to accept Bitcoin payments securely and privately without intermediaries. All payments go directly to the user's own wallet—private keys stay under user control, greatly enhancing privacy and censorship resistance.

Unlike other payment solutions, users can create online stores, point‑of‑sale systems, tipping buttons, crowdfunding campaigns, or invoice links—all within a single interface. It avoids KYC, middleman fees, and personal data collection, appealing to anyone seeking financial sovereignty with seamless integration to hardware wallets or custodial services.

Users highlight its open‑source, self‑hosted nature and flexibility, commenting on how easy it is to connect a cloud‑hosted or home server, link a Bitcoin wallet, and enable Lightning payments—empowering them to accept Bitcoin anywhere, anytime, though some note the initial setup complexity for beginners.

BTCPay Server's mission is to democratize Bitcoin payments—removing fees, intermediaries, and technical barriers. Their vision for the future includes releasing a mobile app to enable non‑custodial Lightning payments for merchants, refining multisig and fee‑acceleration tools, and expanding e‑commerce integrations.