Bitcoin Payments Brokers 2026
Bitcoin is a decentralized network of digital money, powered by users. Bitcoin provides crypto payments to businesses with integration via an API plugin so they can receive transfers across the globe regardless of market size and volume.
Our review looks at Bitcoin payments as a deposit and withdrawal method for traders. We explain how to make a transfer request, how long payments take, and list the top brokerages accepting Bitcoin deposits in 2026.
Best Bitcoin Platforms
Based on our analysis, these are the best 6 brokers that offer Bitcoin deposits:
Here is a summary of why we recommend these brokers in January 2026:
- UnitedPips - Operating since 2016 and based in Saint Lucia, UnitedPips is a non-dealing desk broker serving clients in over 137 countries. It specializes in CFD trading across around 80+ assets with high leverage up to 1:1000.
- Plexytrade - Established in 2024 and headquartered in Saint Lucia, Plexytrade is an ECN/STP broker. Geared towards active traders, it supports four account options, crypto deposits and withdrawals, plus very high leverage up to 1:2000 made possible by its unregulated status.
- CEX.IO - CEX.IO is one-stop-shop for crypto investors where you can buy and sell popular digital tokens, speculate on prices with margin trading and earn rewards through staking. Since it launched in 2013, more than five million traders have deposited over $7.5 billion. CEX.IO is registered with the FinCEN in the US and the GFSC in the EU.
- xChief - xChief is a foreign exchange and CFD broker, established in 2014. The company is based offshore and registered with the VFSC and FMA. Users can choose between a wide selection of accounts and base currencies, making ForexChief accessible to global traders. The brand also stands out for its no deposit bonus and fee rebates for high-volume traders.
- Focus Markets - Established in 2019, Focus Markets is an Australian-based MetaTrader broker offering access to over 1,000 tradable instruments, including forex, commodities, indices, stocks, and a particularly large selection of crypto derivatives.
- InstaTrade - InstaTrade, based in the British Virgin Islands, is an online broker specializing in fixed income structured products and active trading through CFDs. Its zero-spread accounts, excellent research notably through InstaTrade TV, and access to the popular MT4 alongside its own web-accessible InstaTrade Gear, make it an attractive option for short-term traders at every level.
Compare The Best Bitcoin Payments Brokers
| Broker | Minimum Deposit | Instruments | Platforms | Leverage |
|---|---|---|---|---|
| UnitedPips | $10 | CFDs, Forex, Precious Metals, Crypto | UniTrader | 1:1000 |
| Plexytrade | $50 | CFDs, Forex, Indices, Stocks, Commodities, Crypto | MT4, MT5 | 1:2000 |
| CEX.IO | $20 | Cryptos | TradingView | - |
| xChief | $10 | CFDs, Forex, Metals, Commodities, Stocks, Indices | MT4, MT5 | 1:1000 |
| Focus Markets | $100 | CFDs, Forex, Stocks, Indices, Commodities, Crypto | MT5 | 1:500 |
| InstaTrade | $1 | FISP, CFDs, Forex, Stocks, Indices, Commodities, Cryptos, Futures | InstaTrade Gear, MT4 | 1:1000 |
UnitedPips
"UnitedPips is ideal for traders seeking leveraged trading opportunities, the security of fixed spreads, and the flexibility to deposit, withdraw, and trade cryptocurrencies - all in one sleek TradingView-powered platform."
Christian Harris, Reviewer
UnitedPips Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | CFDs, Forex, Precious Metals, Crypto |
| Regulator | IFSA |
| Platforms | UniTrader |
| Minimum Deposit | $10 |
| Minimum Trade | 0.01 Lots |
| Leverage | 1:1000 |
| Account Currencies | USD |
Pros
- UnitedPips offers impressive leverage up to 1:1000 with zero swap fees or commissions, which can enhance potential returns for day traders and swing traders looking to control prominent positions with less capital.
- UnitedPips’ platform performs well, with an intuitive design that will appeal to beginners, while the TradingView integration delivers powerful charting tools without overwhelming users, making it straightforward to execute trades efficiently.
- Although being handed off mid-chat due to shift changes during testing was frustrating, customer support is generally good with quick, helpful responses, and 24/7 support via phone and email for regional teams is a definite advantage.
Cons
- Unlike brokers such as IG, UnitedPips is an offshore broker not regulated by any 'green tier' financial authorities, raising concerns for traders seeking assurance and protection under well-established regulatory frameworks.
- UnitedPips lacks comprehensive research, while the educational content for beginner traders is woeful. Compared to brokers like eToro, which offers tutorials, webinars, and advanced courses, UnitedPips offers minimal resources to help new traders understand key concepts.
- UnitedPips' selection of tradable instruments is still minimal, comprising a bare minimum selection of forex, metals and crypto. There are no equities, indices or ETFs, which may be a drawback for experienced traders looking for diverse opportunities.
Plexytrade
"Plexytrade is a newcomer in the brokerage scene with attention-grabbing features like 1:2000 leverage, zero spreads on select instruments and fast execution speeds of less than 46 milliseconds. However, the absence of regulation is a significant concern, while the non-existent research and educational tools place it far behind industry frontrunners."
Plexytrade Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | CFDs, Forex, Indices, Stocks, Commodities, Crypto |
| Platforms | MT4, MT5 |
| Minimum Deposit | $50 |
| Minimum Trade | 0.01 |
| Leverage | 1:2000 |
| Account Currencies | USD, EUR |
Pros
- There are various VPS packages starting from $50 per month, but they become complimentary once specific deposit thresholds are reached.
- Plexytrade offers among the highest leverage we’ve seen, up to 1:2000, catering to advanced traders willing to forego regulatory protections.
- Despite lacking regulation, Plexytrade provides negative balance protection and reinforces safety protocols by holding client funds in segregated accounts.
Cons
- With around 100 instruments, Plexytrade restricts the flexibility of investors who prefer to trade across various assets, especially compared to Blackbull with its 26,000 securities.
- Deposits and withdrawals are exclusively facilitated through cryptocurrencies, as Plexytrade does not support bank cards, bank wire transfers, or e-wallets.
- Plexytrade lacks regulation in major jurisdictions, significantly increasing the risks of opening an account and depositing funds.
CEX.IO
"CEX.IO continues to serve a range of crypto investors looking to buy, sell, trade, hold and earn with low fees. The tiered pricing structure will appeal to active traders while rookie investors will enjoy the straightforward platform interface and excellent education."
CEX.IO Quick Facts
| Demo Account | No |
|---|---|
| Instruments | Cryptos |
| Regulator | GFSC |
| Platforms | TradingView |
| Minimum Deposit | $20 |
| Minimum Trade | $1 |
| Account Currencies | USD, EUR, GBP |
Pros
- Crypto leverage is available up to 1:3
- The broker offers 24/7 support with fast response times during tests
- CEX.IO continues to offer competitive pricing with 0.01% taker and 0% maker fees for high-volume traders
Cons
- Deposit and withdrawal fees are relatively high, including 0.3% + $25 for SWIFT withdrawals
- A maintenance fee applies after 12 months of no activity
- The Exchange Plus platform delivers a cluttered interface compared to competitor platforms
xChief
"xChief continues to prove popular with investors looking to trade highly leveraged CFDs on the popular MetaTrader platforms. The broker's rebate scheme and investment accounts will particularly appeal to seasoned traders. However, the lack of top-tier regulatory oversight is a major drawback."
William Berg, Reviewer
xChief Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | CFDs, Forex, Metals, Commodities, Stocks, Indices |
| Regulator | ASIC |
| Platforms | MT4, MT5 |
| Minimum Deposit | $10 |
| Minimum Trade | 0.01 Lots |
| Leverage | 1:1000 |
| Account Currencies | USD, EUR, GBP, JPY, CHF |
Pros
- The low minimum deposit of $10 will appeal to beginners, as well as the beginners’ guides in the Library
- The broker offers a turnover rebate scheme geared towards active investors, as well as trading credits and several other occasional bonuses
- Traders can access a copy trading solution via the MetaQuotes Signals service
Cons
- The Classic+ and Cent accounts provide access to fewer instruments than the other account types, at 50+ and 35+, respectively
- The total range of 150+ assets is much lower than most competitors who typically offer hundreds
- The broker trails competitors when it comes to research tools and educational resources
Focus Markets
"Focus Markets is perfect for experienced traders familiar with MetaTrader 5, offering flexible crypto transactions (USDT and BTC) and access to over 90 cryptocurrencies for seamless speculation, deposits, and withdrawals."
Focus Markets Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | CFDs, Forex, Stocks, Indices, Commodities, Crypto |
| Regulator | ASIC, SVGFSA |
| Platforms | MT5 |
| Minimum Deposit | $100 |
| Minimum Trade | 0.01 Lots |
| Leverage | 1:500 |
| Account Currencies | USD, EUR, GBP, CAD, AUD, NZD, JPY, SGD |
Pros
- While its meagre four commodities won’t meet the needs of some serious traders interested in softs and metals, Focus Markets offers a huge suite of 90+ cryptos, providing short-term opportunities on high-reward, high-risk assets.
- Focus Markets’ MT5 platform delivered fast, seamless trade execution during testing with advanced charting, multiple timeframes, and useful tools like Depth of Market (DOM). Its clean interface made navigation easy, while clear risk/reward ratios ensures precise trading.
- Focus Markets excelled in the deposit and withdrawal category during testing, offering more base currencies than most competitors, including USD, CAD and EUR - and a range of traditional and popular crypto payment options, including BTC and USDT.
Cons
- Regulatory protection is a location lottery at Focus Markets – Australian traders benefit from strong ASIC oversight, but those using the SVGFSA-registered entity face limited recourse options in disputes.
- Focus Markets still has a long way to go to compete with the best brokers - with virtually zero research tools and education, plus limited value-add features like VPS hosting, copy trading and swap-free accounts.
- A significant drawback of Focus Markets is the lack of platform variety. It only support MT5, excluding popular platforms like MT4, cTrader, and TradingView, plus it hasn't developed its own software that could better meet the needs of beginners.
InstaTrade
"Although InstaTrade offers active trading on a comprehensive platform, it stands out with its fairly unique Fixed Income Structured Product (FISP), providing passive investment opportunities with up to 50% returns in 6 months if conditions are met. "
InstaTrade Quick Facts
| Demo Account | Yes |
|---|---|
| Instruments | FISP, CFDs, Forex, Stocks, Indices, Commodities, Cryptos, Futures |
| Regulator | BVI FSC |
| Platforms | InstaTrade Gear, MT4 |
| Minimum Deposit | $1 |
| Minimum Trade | 0.01 |
| Leverage | 1:1000 |
| Account Currencies | USD, EUR, RUB |
Pros
- Despite an average investment offering of around 300 assets, InstaTrade offers a particularly strong suite of currency pairs, catering to advanced traders seeking opportunities in volatile exotics.
- VPS hosting caters to algo trading strategies with a dedicated physical server providing rapid execution speeds as low as 9 milliseconds.
- InstaTrade TV, consisting of video interviews and valuable market insights spanning equities, cryptos and more, helps identify opportunities and inform short-term trades.
Cons
- Profits are only guaranteed in the FISP if investors do not reach the 50% profit level and attract other users with a total sum of $4 for each dollar in compensation.
- InstaTrade sports one of the most cluttered websites and client cabinets in the industry, potentially overwhelming new traders, especially compared to XTB’s intuitive trading journey and resources.
- Marketing of the FISP, especially phrasing around the “guarantee of profitability” and the “elimination of risks of trading on financial markets” raises concerns.
How Did We Choose The Top Bitcoin Payment Brokers?
To uncover the top Bitcoin brokers, we:
- Searched our database of 500 online brokers, focusing on all those that accept Bitcoin payments
- Ensured that they support Bitcoin deposits and withdrawals for day trading
- Listed them by their total rating, leveraging our in-depth observations and 100+ data points
About Bitcoin Payments
Bitcoin was the first provider of cryptocurrency payments developed in 2009. It is still a relatively new transfer system for businesses and individuals to accept, however, it is forecast that the cashless payments market will double by 2030 due to the increased flexibility of B2B transfers and the mass adoption of Bitcoin. The coin itself is expected to exceed $100,000 by 2025, according to some market commentators.
Businesses like Mastercard are also looking to follow in PayPal’s footsteps and integrate Bitcoin payments for subscriptions, brokerage deposits, bills, and salary transfers.
Pros Of Investing With Bitcoin Payments
Secure Transactions
One of the key benefits of making Bitcoin payments is the anonymity and security offered to traders, based on the crypto’s underlying blockchain technology. No sensitive data needs to be shared on the internet when making transactions. There is no requirement to share credit card information, for example.
Payment Accessibility
It is easy to send and receive Bitcoin cross-border international payments, at any time and volume per day, as users are in full control of transactions. As long as you have a crypto wallet and a forex brokerage that accepts BTC deposits, you can simply fund your account as you would with any other payment method, such as a bank transfer.
Cons Of Investing With Bitcoin Payments
Limited Availability
While many Bitcoin brokers allow investing in cryptocurrencies on their websites and platforms, BTC is not yet widely accepted as an online deposit and withdrawal payment method due to the volatility and anonymity of the currency. Traders are restricted in their choice of providers until Bitcoin payments are universally adopted.
Limited Protection
Bitcoin is not recognized as a currency in every global market and is subject to review by regulators. Countries such as Canada and South Africa, for example, do not recognize or verify Bitcoin payments as legal tender while Australia and the Philippines do.
As a result, we’re likely to see more countries and regulators take a stance on Bitcoin which may impact your ability to make crypto deposits.
Volatility
The number of businesses accepting cryptocurrency as a recurring method is still small. Its developmental nature and relatively unknown price reactions to market factors have been influences for companies such as Steam and Amazon not to accept Bitcoin payments. And because the price of the coin can fluctuate hugely, the value of your crypto when you deposit vs withdraw can change substantially.
Cost
Compared to other cryptos, such as USDT and XRP, Bitcoin is relatively expensive. The average BTC transaction fee is $7.63 as of 2024 and the token therefore faces fierce competition from other coins which typically offer average fees of less than $2.
Speed
Bitcoin payments are fast, with consensus settlement averaging 10 minutes for confirmation, while micropayments via the Lightning Network can settle in under one minute. Payments via Bitcoin are also not subject to pending delays such as currency conversions or bank holidays, allowing users to make payments anywhere and anytime.
Check your exchange’s website for individual time constraints on deposits and withdrawals.
Security
Bitcoin payments are encrypted through the blockchain ecosystem and each transaction is unique. The payment gateway provides high levels of security, though there is limited password recovery so it is the user’s responsibility to protect funds.
Bitcoin suggests using the following security protocols:
- Back up wallets regularly
- Add two-factor authentication to wallets
- Use the latest versions of market software
- Don’t hold large amounts in Bitcoin accounts
- Encrypt wallets with passwords for withdrawals
- Don’t send payments to unconfirmed and unverified accounts
For added protection, you may want to consider keeping your BTC in cold storage on a physical offline wallet. This way your Bitcoin is safe from hacks and website malfunctions. A popular option is the Ledger Nano. However, if you want direct access to all of your coins in order to day trade this may not be possible.
How To Deposit Using Bitcoin
Bitcoin accepts various deposit methods including credit cards, USD bank transfers, and other cryptocurrencies via payment portals such as Binance and Coinbase. It is best to check the offering of each cryptocurrency exchange and choose which one suits your investment needs, whether that be accepting mobile app payments or favorable foreign currency conversion fees. In some cases, it is also possible to split Bitcoin payments across digital wallets and fiat currency.
Crypto attributes make Bitcoin payments challenging for both ecommerce and clients – all deposit transactions must be made manually by the investor. Log in to your account and follow your exchange’s process to make a Bitcoin payment.
Fees
Bitcoin payments can be free. However, many wallets charge default fees, such as Electrum, though higher charges can result in faster confirmation times. Fees are not generally related to the number of Bitcoins being sent and can be reviewed before executing the transaction.
Brands such as LiteForex and FX Choice offer free deposits and withdrawals using Bitcoin, though this is subject to the cryptocurrency network system.
Are Bitcoin Payments Good For Day Trading?
Bitcoin offers a relatively new digital payment method as a cryptocurrency gateway, with flexibility and few requirements to send transactions globally. There is limited acceptance of Bitcoin payments across merchants, including brokerages, due to its volatile nature. However, this is expected to change in the future as an increasing number of individuals, companies and governments adopt the crypto.
We have also compiled a guide to day trading Bitcoin.
FAQ
How Do Bitcoin Payments Work At My Broker?
Bitcoin payments are stored and executed via a decentralized blockchain network, which is essentially a digital ledger built and run by users. Nodes verify transactions and get paid in BTC. The Bitcoin payment infrastructure means it is harder for governments to control vs fiat currency.
Are Bitcoin Deposits To My Trading Account Safe?
Bitcoin payment gateways have high levels of transaction security, though it is always the user’s responsibility to protect funds. If your account is hacked or you forget your password, you may lose your tokens. Using escrow payments and new Bitcoin addresses may help protect against scams.
The Broker Is Saying My Bitcoin Payment Has Not Been Received, What Should I Do?
Check the receiving address is correct, Bitcoin payments are irreversible within 24 hours if the transaction is unconfirmed. See if the payment is showing a confirmation in the blockchain tracker, if so, the payment has been received. If not, speak to the broker to confirm the transaction details are correct.