A lot of merchant adoption has been happening in the Bitcoin Cash ecosystem lately. In this article I’d like to explore your options as a brick & mortar merchant for integrating Bitcoin Cash.

This list of payment processors will be divided into three categories as follows: Bitcoin Cash payout solutions, fiat payout solutions, and both fiat and Bitcoin Cash payout solutions.





BCH Payouts only:

txbutton.com

I have used txbutton before to demo Bitcoin (BCH) payments at my college. It’s really easy to login to the webapp, as you get your own subdomain.txbutton.com and you just login with a pin code. Although, it was a tad buggy, It was a great chance to show people at my college how fast and easy BCH payments are.

Pros:

-Open Source

Cons:

-Needs more work on the software.

bchpls.io

BCHPLS is a fairly new point of sale service that has just entered the scene. The thing I like best about this web app it is that it has a dual screen interface. One screen is facing the cashier, and the other screen (optional) is facing the customer. Just recently, they have integrated credit card payments by partnering with stripe. I really do hope that they make a hardware version of this soon.

Pros:

-First Bitcoin (BCH) POS to provide a dual screen interface

-Integrate credit card payments with stripe

Cons:

-Not Open Source yet

pyxpub.io

Pyxpub.io is open-source point-of-sale server software for Bitcoin Cash. This means that it will verify payments from addresses generated from your xpub key. Worst case scenario, if the server were to get hacked, no loss of funds would occur. Although you have to use your own server to get pyxpub up and running, it provides a great solution for your brick-and-mortar store.

Pros:

-Open Source

Cons:

-Not ready to use “out of the box”

-Still in beta

Mini POS

Mini POS is a Bitcoin Cash Point-of-Sale server as well as a payment terminal that you can buy today using your Bitcoin Cash. You can get the whole setup for $250. The payments terminal is a custom android device, and the server runs on a raspberry pi, generates payment addresses using xpub, and verifies that payments have been received.

On a personal note, I got to meet the creator (James Howells) of this device and in my opinion his POS server is a much better use of a raspberry pi than a lightning node!

Pros:

-Open Source

-Hardware terminal and server available

Cons:

-A little bit expensive





Bitcoin.com Wallet

The bitcoin.com wallet would have to be my favorite solution right now because it is the easiest to set up. I recently discovered that you can import/export a watch-only version of your wallet, which means that your employee can’t spend the funds, and you don’t have to worry about losing coins if your device gets stolen. It also is the fastest wallet to show that the payment is recieved.





Pros:

-Ultra Reliable POS solution

-Open Source

Cons:

-Privacy issue: Employees can see all the amounts on watch only wallets.





Fiat Payouts only:

Bitpay

The Bitpay payments processor has been in the crypto space for the longest, and is the most popular way that merchants are using to accept Bitcoin Cash payment. Although, there are a few hurdles to setting up an account, once installed on either ios or android, the app works like a charm. I would like to note however that their POS is only compatible with bip-70 capable wallets, like the bitcoin.com wallet, and the simply cash app. I fear that this may leave a negative image about bitcoin (BCH) payments in the minds of newbs, who are not using bip-70 capable wallets. I want to see bitpay add an opt-out button for bip-70 as well as more wallets to implement it. Also bitpay, please enable Bitcoin Cash payouts. Until then, you will only be good as a fiat gateway.

Pros:

-Instantly convert Bitcoin Cash and BTC payments to fiat

Cons:

-Bitcoin Cash Payouts aren’t enabled on bitpay yet

-Only compatible with wallets that support bip 70

BCH + Fiat Payouts:

Before I get into this section, I'd like to explain the part about the fiat payments. Unlike the first section (BCH Payouts), where payments get sent to multiple addresses under an xpub key, the payouts go to a single address instead. This gives you the option to instantly convert payments to fiat currency using uphold.com's conversion service. To use this feature, you would just simply paste your BCH address from your uphold account.

Anypay

Although anypay is mainly a Dash point-of-sale, they do support other coins as well including Bitcoin Cash. Their user interface looks real similar to bitpay, and it is very easy to set up.

I did find some issues upon testing the app though. First of all, at the checkout, it wouldn’t let me select another coin other than dash, even though I set up a BCH payout address. Second, once I set everything up, I had a hard time finding the settings to change the payout addresses.

After reaching out to the Dash community about this, they told me that BCH payments on anypay were in maintenance at the moment. I’ll give them the benefit of the doubt for that one. I like their clear and easy-to-use interface, and look forward to when they resolve those issues.

Start using anypay today at http://pos.anypay.global





Coinpayments

Coinpayments is mainly integrated in online stores. They have payment plugins available for popular online shopping cart platforms such as Shopify, WooComerce, and ZenCart. When paying a coinpayments invoice, you have the largest selection of coins to choose from. They have an app in which you can accept Bitcoin Cash in your brick-and-mortar store as well.

Pros:

-Integrate Fiat payments with uphold

-Accept multiple cryptocurrencies

Cons:

Rocketr

Rocetr has a neat little point of sale service to offer. They only charge 0.5% per transaction. The Rocketr pos app is designed to work real nicely on an ipad and has the tools you need to include credit card payments using paypal. Although they haven’t added the option to cash out to fiat yet, you can still use it with the fiat conversion addresses at uphold.com

Pros:

-Supports multiple main cryptos like Ethereum, BTC, and Litecoin.

-Integrate Fiat payment using paypal and stripe

-only 0.5% processing fee

Cons:

-App only avalible on ios

-Not open source

-Fiat conversion not avalible yet

Cheddr

Cheddr is probably easiest BCH point-of-sale webapp to set up. There is no account needed to use it, which is great because it’s less of a hassle to set up, but that might be a disadvantage as well because the payout info is lost when you close the browser. My take is that this would be the perfect app for demoing BCH payments. Try it out here:

Also, I must admit that this is quite impressive, given that the developer is working on this in their spare time. So, If you’d like to contribute, be sure to checkout the github (pun intended) here:

Pros:

-Open Source

-Set up Bitcoin Cash payments instantly, no account needed

Cons:

-App still in beta

Spark Payments [BCH]

Spark BCH is a new android Point of Sale app. Even though the app is still in beta right now, I was very pleased with the clean user interface when testing it. The developer, who goes by the username “Kodax” on the on the BCF discord, is starting a Bitcoin Cash group in Wyoming. He plans on using it to spur adoption of Bitcoin Cash in his area. Spark BCH is also the first point of sale to allow payout to cashtag in the handcash wallet.

Pros:

-Open Source

-Allows payouts to your $cashtag handle

-Hardware version planned

-xpub support planned





Cons:

-App is still in beta

-Only available on android at the moment



