BTCPay Server vs Sezzle: Which Should You Choose in 2026?
Choosing between BTCPay Server and Sezzle comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
BTCPay Server
Accept Bitcoin payments directly with 0% fees and no third-party intermediaries.
Best for you if:
- • Self-hosted, open-source Bitcoin payment processor.
- • Accepts Bitcoin payments directly with 0% fees and no third-party.
Sezzle
Shop now and pay later in 4 interest-free installments over 6 weeks.
Best for you if:
- • Splits purchases into 4 interest-free payments over 6 weeks.
- • Works online and in-store via a virtual card.
| At a Glance |  BTCPay Server | |
|---|---|---|
Price | Free | Free |
Best For | Payment Processing | Payment Processing |
Rating | —/100 | —/100 |
| Feature | BTCPay Server | Sezzle |
|---|---|---|
| Pricing Model | Free | Free |
| Editorial Score | — | — |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 0 |
| Categories | Payment Processing | Payment Processing |
Understanding the Differences
Both BTCPay Server and Sezzle solve similar problems, but they approach them differently.BTCPay Server positions itself as "accept bitcoin payments directly with 0% fees and no third-party intermediaries." while Sezzlefocuses on "shop now and pay later in 4 interest-free installments over 6 weeks.". These differences matter depending on what you're trying to accomplish.
When to Choose BTCPay Server
BTCPay Server makes sense if you're looking for a completely free solution.
When to Choose Sezzle
Sezzle is worth considering if you need a free tool.
Who Should Use What?
Bootstrapped or small team?
When every dollar counts, BTCPay Server lets you get started without pulling out your credit card.
We'd pick: BTCPay Server
Growing fast?
Your team doubled last quarter and you need tools that won't break when you add 50 more people. Sezzle is built for teams that are leveling up.
We'd pick: Sezzle
Enterprise with complex needs?
You need SSO, compliance certifications, and a support team that picks up the phone. Both have enterprise tiers—compare their security features.
We'd pick: BTCPay Server
Still not sure? Answer these 3 questions
How much can you spend?
Nothing at all? BTCPay Server is completely free.
Do you care what other users think?
Both have similar review counts. Read a few before you commit.
Expert opinion or crowd wisdom?
Our team rated BTCPay Server higher (/100). But the community has upvoted Sezzle more (0 votes). Pick your source of truth.
Key Takeaways
What BTCPay Server Does Better
- Our recommendation for most use cases
Consider Sezzle If
- You need a completely free solution
- Its specific features better match your workflow
- You prefer its interface or design approach
The Bottom Line
If we had to pick one, we'd go with BTCPay Server. But the honest answer is that "better" depends on your situation. BTCPay Server scores higher in our analysis, but Sezzle might be the right choice if its specific strengths align with what you need most. Take advantage of free trials to test both before committing.
Frequently Asked Questions
Is BTCPay Server or Sezzle better?
Based on our analysis, BTCPay Server scores higher with high/100. BTCPay Server isfree while Sezzle is free. The best choice depends on your specific needs and budget. We recommend testing both with free trials if available.
Can I switch from BTCPay Server to Sezzle easily?
Migration difficulty varies. Check if both tools support data export/import in compatible formats. Some tools offer migration assistance or have integration partners who can help with the transition.
Do BTCPay Server and Sezzle offer free trials?
Most software in this category offers free trials or free tiers. BTCPay Server is completely free.Sezzle is completely free. Visit their websites for current trial offers.