Self-custodial Bitcoin payments with no merchant application, and we run the server so you do not have to
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e-Boekhouden.nl has an unusually mixed user base for a bookkeeping product. Alongside zzp'ers, eenmanszaken and MKB companies, its own site names webshops, holdings, accountants running many client files, and verenigingen and stichtingen. That last group is the reason this particular pairing exists. An association or foundation keeping its books in e-Boekhouden.nl has the same invoicing needs as a BV, and a noticeably harder time getting a payment service provider to complete onboarding.
The platform itself is generous with connections: 24 payment service providers, from Mollie and Adyen to Buckaroo, Pay.nl, Worldline and PayPal, plus MT940 import for anything not on the list. Every one of them is a company you apply to. They ask who the ultimate beneficial owners are, what the entity does, where the money comes from, and they reserve the right to say no or to hold a balance while they think about it. For a stichting collecting donations, a vereniging billing contributions, or a small holding with an unusual structure, that is where the process tends to stall.
BTCPay Server is a different kind of thing. It is open-source, MIT-licensed software rather than a company you sign up with, developed in the open and funded by grants and donations rather than by taking a cut of payments. There is no merchant application, no underwriting, no compliance review, and no fee: payments go from your payer's wallet to keys you hold, and BTCPay is the software that generates the addresses and watches for the payment. Nobody is in a position to freeze anything, because nobody is holding anything.
There is one honest catch, and it is the reason most organisations never get past reading about BTCPay Server: somebody has to run it. That means a Bitcoin node, kept patched, kept online, kept backed up. In a vereniging where the treasurer is a volunteer with a day job, or an MKB business with no server person, that requirement is where a good idea quietly dies. So we host it for you. PayInBTC.me runs a fully managed BTCPay Server as an add-on at 2,500 sats a month or 25,000 sats a year, roughly 2.50 euros a month, with the infrastructure, updates, monitoring and backups on us and the wallet keys entirely with you.
From there PayInBTC.me connects it to your administratie. You link e-Boekhouden.nl and your hosted BTCPay store once, and the invoices you choose carry a Bitcoin payment link next to your existing methods. The connection to e-Boekhouden.nl is read-only: we read the invoice amount, currency and factuurnummer to build the payment page, and we cannot post to your grootboek or touch your btw records.
The 24 payment providers e-Boekhouden.nl connects to all have onboarding, and onboarding has opinions. A vereniging with a rotating board, a stichting whose income is donations, a holding whose only activity is holding: these are structures that make a compliance officer ask more questions, and sometimes decline. BTCPay Server has no view on any of it. There is no application to submit and nobody to be approved by. The only thing that has to be true is that you control a wallet and the software is running somewhere.
Hosted BTCPay from PayInBTC.me is 2,500 sats a month or 25,000 sats a year, fully managed. What sits on our side is the plumbing: the Bitcoin node, the BTCPay instance, version updates, monitoring, backups and uptime. What stays on yours is everything that matters: you connect your own wallet or XPUB, BTCPay derives receiving addresses from it, and payments go straight to keys we have never seen and cannot reconstruct. Hosting the software is not the same as holding the money, and the distinction is the entire design. If we disappeared tomorrow, your Bitcoin would still be in your wallet.
BTCPay Server takes nothing from a payment. That is not a promotional rate, it is a consequence of the architecture: the software sits on your side of the transaction and there is no company in the middle with revenue to collect. What remains is the Bitcoin network fee, measured in cents over Lightning, PayInBTC.me's flat 1,500 sats per invoice or 2,500 sats a month, and the hosting add-on if you take it. For a stichting where every euro of a donation is meant to reach the cause, the difference between a fixed monthly figure and a card percentage is the whole argument.
A member abroad paying a 40 euro contribution, or a supporter sending 100 euros from outside the EU, is currently a bad deal for everyone: an international transfer can take ten to thirty euros out of it, and a non-EEA card runs at 3.25% plus 25 cents through a provider like Mollie. Over Lightning the same payment costs cents and clears in seconds. It is the small cross-border amounts, the ones a treasurer currently discourages, where this changes the arithmetic most.
Taking the hosted option is not a commitment to it. BTCPay Server is the same open-source software wherever it runs, so if your organisation later wants its own instance, you point PayInBTC.me at it and nothing on the e-Boekhouden.nl side changes: same read-only connection, same invoices, same wallet. Equally, an organisation already running BTCPay can connect that instance from the start and skip the add-on entirely. The hosting exists to remove an obstacle, not to become one.
With hosted BTCPay the setup is about five minutes end to end, because there is no server to build. If you run your own instance, the only difference is that you point us at it instead.
Take a 400 euro invoice, which covers a small MKB bill, an annual contribution, or a modest donation invoice from a stichting. The euro comparisons use Mollie's published rates, Mollie being one of the more common of the 24 providers e-Boekhouden.nl connects to. The last two rows separate running BTCPay yourself from having us host it.
| Method | Cost on a €400 invoice | Notes |
|---|---|---|
| iDEAL or Wero, Dutch payer | €0.32 | A flat fee per transaction through Mollie, once you have been accepted as a merchant |
| Consumer card issued in the EEA | About €7.45 | 1.80% plus €0.25 through Mollie; a commercial card would be 2.90% plus €0.25 |
| Card issued outside the EEA | About €13.25 | 3.25% plus €0.25 through Mollie, the usual case for a member or client outside Europe |
| Bitcoin, BTCPay Server you run yourself | About €1.50 | BTCPay Server takes nothing, being software rather than a processor. The cost is PayInBTC.me's flat 1,500 sats plus a Lightning network fee in cents, and your own server time |
| Bitcoin, BTCPay Server hosted by PayInBTC.me | About €4.00 | The same 1,500 sats per invoice plus the hosting add-on at 2,500 sats a month, roughly €2.50, which covers every invoice that month rather than being charged per payment |
The numbers are not the whole story here, and pretending otherwise would miss the point. iDEAL at 32 cents beats everything on this table for a Dutch payer, and the card rows are the ones Bitcoin undercuts. But every row above the last two assumes a payment provider accepted your organisation as a merchant in the first place, which is precisely the step that stalls for verenigingen, stichtingen and unusual structures. BTCPay Server has no such step. Note also that the hosting line is monthly, not per payment: at four euros the first invoice looks close to the EEA card row, and by the fifth invoice that month the hosted route is the cheapest thing on the page apart from iDEAL. For an organisation that has been told no, or gave up halfway through an onboarding form, the relevant comparison is not 4 euros against 13.25. It is 4 euros against having no online payment option at all.
You need an e-Boekhouden.nl administratie and a BTCPay Server store. For most organisations that means taking the hosted add-on and letting us run the server, which is the fastest route and the one that does not need anyone technical on your side.
The first month is free, with three free invoices on pay-per-use, so you can put a real payment through the setup before deciding whether it stays. Full setup instructions are at docs.payinbtc.me.
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Keep e-Boekhouden.nl. Keep your workflow. Just add Bitcoin payments via BTCPay Server.
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