GhostBill vs BTCPay Server

Overview

Both GhostBill and BTCPay Server are self-hosted, non-custodial payment processors. GhostBill follows an Open Core model (backend AGPL-3.0, dashboard licensed), while BTCPay Server is fully MIT-licensed. They share the same fundamental principle: your keys, your coins. However, they serve different use cases and make different architectural choices.

BTCPay Server is a mature, Bitcoin-first platform that supports Monero as an additional plugin. It offers a broad feature set including point-of-sale, e-commerce integrations, crowdfunding, and multi-currency support.

GhostBill is purpose-built for Monero. It focuses exclusively on XMR payments with native Tor integration, a deterministic state machine for invoice lifecycle, and a full recurring billing engine — features that BTCPay Server does not offer for Monero.

Feature Comparison

Monero Support

This is the fundamental architectural difference. BTCPay Server was designed for Bitcoin and added Monero support through a community plugin. The Monero integration works, but it is secondary to the Bitcoin experience.

GhostBill was built from the ground up for Monero. Every design decision — from the wallet RPC integration to the invoice state machine to the webhook payload format — is optimized for how Monero transactions work. Subaddress generation, mempool monitoring, and confirmation tracking are core features, not afterthoughts.

In BTCPay Server, Monero invoices have 3 states. In GhostBill, they have 7: pending,paid, expired, partially_paid, overpaid,late_paid, and cancelled. Every state transition fires a webhook event with the full invoice payload.

Privacy & Tor

GhostBill runs as a Tor hidden service by default. The API, dashboard, and outgoing webhook deliveries all route through Tor. There is no clearnet exposure unless the merchant explicitly configures it on their own infrastructure.

BTCPay Server supports Tor through its Docker deployment, but it is not the default configuration. The primary access method is clearnet with HTTPS. Tor is available as an additional option.

For merchants who prioritize operational security and want zero IP metadata leakage, GhostBill's Tor-native architecture provides a stronger privacy baseline.

Recurring Billing

This is GhostBill's standout feature. The recurring billing engine supports:

• Customer management with unique identifiers
• Subscription lifecycle with 6 states: active, paused, past_due, cancelled, expired, trialing
• Configurable billing intervals (daily, weekly, monthly, yearly)
• Grace periods for late payments
• Deterministic billing anchors to prevent date drift
• Pre-payment support for advance billing
• Automatic renewal with webhook notifications
• Pause and resume without losing billing history

BTCPay Server does not have a recurring billing feature for any cryptocurrency. Merchants who need subscription payments must build their own logic on top of the BTCPay API.

Deployment Complexity

GhostBill deploys as a focused service stack: PostgreSQL, Redis, monero-wallet-rpc, the API backend, and an optional dashboard. It is designed for merchants who want a narrow Monero billing deployment rather than a broad commerce platform.

BTCPay Server's full deployment covers a broader commerce environment: the BTCPay application, PostgreSQL, blockchain services, wallet components, and plugins depending on configuration. That breadth is valuable when you need multi-currency checkout, POS, and e-commerce integrations.

For merchants who only need Monero payments, GhostBill provides a significantly simpler and lighter deployment.

When to Use BTCPay Server

BTCPay Server is the better choice when you need:

• Bitcoin-first checkout with multi-currency support
• E-commerce platform integrations (WooCommerce, Shopify, PrestaShop)
• Point-of-sale functionality for physical stores
• Crowdfunding or donation pages with multiple payment options
• A mature ecosystem with extensive community support

When to Use GhostBill

GhostBill is the better choice when you need:

• Monero-only payments with deep XMR integration
• Recurring billing and subscription management
• Tor-native operation controlled by the merchant
• A focused service stack for Monero billing
• A deterministic invoice lifecycle
• Signed webhook delivery with dead letter queue tooling
• Maximum operational privacy for merchant and customer

Both projects are non-custodial and self-hosted. The choice depends on your specific requirements. If you accept multiple cryptocurrencies and need e-commerce integrations, BTCPay Server is the established solution. If Monero is your sole payment method and you need recurring billing with maximum privacy, GhostBill is purpose-built for that use case.

Related Pages

• GhostBill Pricing — Open Core tiers with flat-rate dashboard licenses
• Getting Started — deploy GhostBill in 15 minutes
• Recurring Billing — subscription management for Monero
• VPN Provider Guide — accept XMR for VPN services