LIGHTNING EXCHANGES
Your customers can pay you over Lightning from Strike, Binance, Bitfinex, Bitso, Buda.com, Cash App, Coinbase, Kraken and River Financial. See which work in each country SatsRail serves, across the Americas and Australia, and where to sell sats (100 million make one bitcoin) for your currency.
SatsRail is payment software for your business: it creates each invoice, and your customer pays your own Lightning wallet directly, so SatsRail never holds the funds. Free up to — a month in bitcoin payments, 0% per payment. About SatsRail.
Paying from the bitcoin balance costs only network fees; from the cash balance, 1% to convert. Free bank cash-out (by ACH transfer) is in the US; elsewhere, what you can buy and withdraw varies by country.
Source: strike.me, as of
Visit Strike
Lightning isn't available in every region.
Source: binance.com, as of
Visit BinanceEarly Lightning adopter (2019), micropayment-friendly.
Source: support.bitfinex.com, as of
Visit Bitfinex
Lightning for all users in Argentina, Brazil, Colombia and Mexico since November 2024; its limits vary with network conditions.
Source: support.bitso.com, as of
Visit Bitso
Lightning since 2018. Lightning payments have a daily limit.
Source: soporte.buda.com, as of
Visit Buda.com
Lightning up to $999 per 7 days. Its fee page lists no Lightning fee, though its help page still mentions 0.9% when you pay from the cash balance, so check the app. Not in New York.
Source: cash.app, as of
Visit Cash App
0.2% fee to send over Lightning. Pays invoices, not Lightning Addresses. Not in New York. Coinbase says some Lightning sends can take hours or fail, so test a small payment first.
Source: help.coinbase.com, as of
Visit Coinbase
0.3% fee on Lightning deposits. Each withdrawal is confirmed by email, so allow time before an invoice expires. Not in New York or Maine.
Source: support.kraken.com, as of
Visit KrakenBitcoin-only. Free bank withdrawals from $10. Not in Nevada or New York.
Source: support.river.com, as of
Visit River Financial
Peer to peer: you sell sats to a buyer who pays you directly, in 78 currencies. Fees per trade: 0.025% if you post the offer, 0.175% if you take one; trades from 20,000 sats to 4 million.
Source: github.com, as of
Visit RoboSatsLoading exchanges…
How this list is kept. We compile it from each exchange's own pages, linked on every card, and we don't test each fact ourselves: confirm on the exchange's site before you rely on it. "Not confirmed" on a card means the exchange's own pages haven't settled that point for us yet, not that it can't do it. A card's note gives the fees and limits its pages state; "Smallest Lightning amount" is the least it sends or receives over Lightning. Featured exchanges, listed first, are the ones customers can pay from in the most countries SatsRail serves: an editorial choice, never paid. A listing is information, not advice. Something wrong, or an exchange missing? .
Take these payments. A customer pays your checkout's Lightning QR from any exchange above that pays invoices, or from a wallet, and the bitcoin goes straight to your wallet. Free up to — a month in bitcoin payments, 0% per payment, no card on file.
AT YOUR CHECKOUT
On an exchange that pays Lightning invoices, or in any Lightning wallet.
At your POS, your online checkout or a payment link. Each shows a Lightning invoice, so an exchange that pays invoices but not Lightning Addresses works too. The exchange sends the payment over the Lightning Network.
Once the exchange sends it, the bitcoin usually reaches your wallet in seconds, and SatsRail confirms the payment to you. Some exchanges add their own delays, as their cards say. It is final: no chargebacks.
New to Lightning? How Lightning payments work.
BY COUNTRY
Countries without a "Cash out to a local bank" line have no such exchange listed yet. There, a peer-to-peer market that serves most countries can stand in: RoboSats. Check your local rules before you sell business revenue peer to peer.
No exchange listed yet.
No exchange listed yet.
No exchange listed yet.
No exchange listed yet.
Cash out to a local bank in USD: Strike, Cash App, Coinbase, Kraken, River Financial
CASH OUT
Your customers pay you in bitcoin, straight to your own wallet. Keep it, or sell some for dollars, pesos or your own currency through an exchange. SatsRail never converts or holds your funds, so you choose when and where.
Countries where an exchange's own pages show a cash-out to a local bank: Argentina, Australia, Canada, Chile, Colombia, Mexico, Peru, Puerto Rico and the United States.
Selling costs something. To cover it, you can add a conversion fee of up to 3% to bitcoin payments; checkout shows it as its own line.
One that serves your country, with "Takes Lightning deposits: Yes" and your country under "Cash out in" on its card. Where none pays out to a local bank yet, the directory names a peer-to-peer market instead. Most exchanges will ask you to verify your identity.
Create a Lightning deposit in the exchange and pay it from your wallet. It usually arrives in seconds.
Sell the bitcoin for your currency and withdraw to your bank account.
QUESTIONS
Yes, if their exchange pays Lightning invoices: "Customers can pay you from it" on each card says whether the exchange's own pages show it. Your checkout, POS and payment links show a Lightning invoice, so an exchange that pays invoices but not Lightning Addresses can pay you too. They scan your Lightning QR in the exchange's app and the exchange sends the payment to your wallet. Some exchanges have a smallest amount they will send; where their pages state one, it is on the card.
Use an exchange that serves your country, takes Lightning deposits and pays out to a bank in your country; each card shows which of those the exchange's own pages state, and the directory says, country by country, where a listed exchange cashes out to a local bank. Create a Lightning deposit in the exchange, pay it from your wallet, sell the bitcoin for your currency, and withdraw to your bank. Check the exchange's fees, the gap between its buy and sell prices, its limits and its identity checks first.
Then your country has no "Cash out to a local bank" line in the directory, and the note above the countries names a peer-to-peer market that serves most countries (RoboSats, today): there you sell sats to a buyer who pays you directly, in a currency you agree on (check your local rules before you sell business revenue that way). You can also keep the bitcoin until you need to sell. we should check.
No. SatsRail confirms payments to your own wallet and never holds or converts funds. Whether you keep the bitcoin or sell it, and where, is up to you. To cover what selling costs you, you can add a conversion fee of up to 3% to bitcoin payments; checkout shows it as its own line.
No. To get paid you need a Lightning wallet, connected by Lightning Address (see wallet setup). An exchange is only for customers who buy bitcoin there, or for you if you want to sell.
We list an exchange once its own pages show that it pays Lightning invoices or takes Lightning deposits in a country SatsRail serves. Here is where these stand:
if one has changed.
Only if the provider behind it supports LUD-21, the Lightning standard SatsRail uses to confirm that each payment arrived. When you add a Lightning Address, SatsRail checks that it can request invoices and verify payments, and tells you if it can't. The wallet setup guide lists options that work.
Featured exchanges, listed first, are the ones customers can pay from in the most countries SatsRail serves. Choosing them is our editorial call, and placement is never paid. Every listing is information, not advice.
FREE UP TO — A MONTH IN BITCOIN PAYMENTS
Connect a Lightning wallet, then take payments at the counter, online or by link. 0% per payment.