Cowrie Research

swiss-bitcoin-pay

3 min read

Swiss Bitcoin Pay

  • Name: Swiss Bitcoin Pay
  • URL: https://swiss-bitcoin-pay.ch/
  • Category: non-custodial Bitcoin merchant-acceptance control plane / Lightning point-of-sale and ecommerce stack / Bolt Card merchant tooling
  • Tags: bitcoin-ecosystem
  • Summary: Swiss Bitcoin Pay is tidy merchant software: POS, WooCommerce, API, withdrawal and conversion policy, and some Bolt Card extras. Useful merchant software, still a processor shell rather than a reference Bitcoin payments stack.
  • What it does:
    • Provides merchant-facing apps for web, iOS, and Android to accept Bitcoin payments in physical businesses
    • Exposes a merchant API that models invoices, payment details, devices, redirects, fiat amounts, Lightning payment requests, and onchain settlement fields
    • Supports non-custodial settlement with free daily auto-withdrawal to a merchant-controlled wallet
    • Offers optional full or partial fiat auto-conversion while still positioning itself as a Bitcoin payment acceptance tool
    • Supports multiple employees and merchant account workflows
    • Provides ecommerce integration through a WooCommerce plugin that uses an API key plus HMAC secret from the Swiss Bitcoin Pay dashboard
    • Extends into Bolt Card payment tooling, including an app that can scan a merchant invoice and tap a Bolt Card to pay peer-to-peer, with an integrated swap service for onchain invoices
  • Key claims:
    • The open-source app README says Swiss Bitcoin Pay is an easy-to-use solution to accept bitcoin payments in business, is cross-platform across web/iOS/Android, requires no KYC identification, is non-custodial via free daily auto-withdraw to the merchant’s own wallet, supports total or partial auto fiat conversion, works worldwide with most currencies, and supports multiple employees
    • The merchant API docs expose a structured invoice object with draft/paid/expired state fields, Lightning payment requests, payment details arrays, fiat and bitcoin amount fields, device metadata, redirect-after-paid behavior, and both Lightning and onchain settlement indicators, which is strong evidence of a real merchant operating surface
    • The WooCommerce plugin README says merchants can accept both onchain and Lightning payments, and it requires an API key plus API secret (HMAC) from the Swiss Bitcoin Pay dashboard, showing that the company supports production ecommerce integration rather than only a handheld app
    • That same plugin says setup can be completed inside WooCommerce settings in a few minutes, which reinforces the merchant-control-plane framing for ecommerce adoption
    • The BoltCard Terminal Tools README says a user can scan a merchant invoice, tap a Bolt Card on a phone, and pay peer-to-peer from node to node, and it also mentions paying onchain invoices through Swiss Bitcoin Pay’s integrated swap service
    • The official site search snippet highlights both business acceptance and a Lightning-native card, which fits the broader merchant-payments-and-card-tooling picture rather than a narrow point-of-sale reader
  • Whitepaper: No canonical standalone Swiss Bitcoin Pay whitepaper or litepaper surfaced in this pass. The clearest current sources of truth were the merchant API docs and the project’s own open-source application and integration repositories; see ../whitepapers/swiss-bitcoin-pay-primary-sources-2026-05-02.md.
  • Sources:

Internal linkages

Control surface

  • Power sits in merchant account setup, invoice defaults, withdrawal cadence, fiat-conversion policy, device access, API credentials, and the extra Bolt Card flows Swiss Bitcoin Pay chooses to support.

  • The important thing is the merchant control plane. The card angle is additive, not a separate category center.

  • Last reviewed: 2026-06-04 UTC

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