xBilling review: flat-fee Bitcoin payments, unfinished site

xBilling pricing

On-chain Bitcoin processing costs $24.95 a month or $199 a year, and adding Lightning raises it to $49.95 a month or $399 a year, with no per-sale fee. A one-month setup fee may apply. The yearly plans save about a third.

When a flat fee beats a percentage

At $1,000 a month in Bitcoin sales, the basic plan costs 2.5% of revenue, five times Plisio’s rate. At $5,000 the two are about even, and at $20,000 the flat fee drops to roughly 0.12%. Lightning is priced for creators and microtransactions, but at $49.95 a month it only pays off on steady volume.

What xBilling advertises

xBilling describes a non-custodial platform where every payment goes straight from customer to merchant, on-chain or over Lightning. It advertises a screen-based payment terminal for shops and events, “Pay with Bitcoin” buttons for tips and donations, invoices with payment links, and checkout connections for WooCommerce, Shopify and BigCommerce. Monero and Dogecoin are listed too. Adult content appears only in the terms, which call for arbitrators experienced in the adult entertainment or e-commerce industries. No sales page mentions it, and the pitch targets businesses that payment processors refuse.

Warning signs on the xBilling site

Outside the homepage, the site is largely an unedited WordPress theme. The About page describes a marketing agency, the contact page lists a template address in Washington state, and the blog holds only sample posts. The terms of use, updated in October 2025, mostly cover print and digital subscriptions and a three-day trial, and say nothing about Bitcoin processing. The domain was registered on 23 October 2025. SCREW Holdings, LLC lists an address at 402 NE 7th Avenue in Fort Lauderdale, a phone number and a support email. No licence is cited.

xBilling strengths and limitations