Odds are your biggest monthly bill is your mortgage payment. BitPay Bill Pay simplifies the process of paying your mortgage with crypto, or just about any other type of bill. Not only that, but you can use virtually any crypto wallet, and choose from any cryptocurrency supported by BitPay.

The purchase of a home is one of the biggest financial transactions most people ever undertake. And unless you have a few hundred thousand dollars sitting around, you’ll most likely need a mortgage loan before you can start picking out curtains and furniture. If you’ve ever wished there was a way you can pay off your mortgage with crypto, read on for a detailed primer on how easy it is to get started using BitPay Bill Pay.

How to Pay Your Mortgage with Crypto

If you want to pay your mortgage with cryptocurrency, the process is quick and painless. It only takes a few minutes to get started, just follow the steps below. 

Step 1: Get the BitPay app and set up your wallet

Download the free app for Android and iOS devices. The BitPay Wallet is self-custody, meaning that you, and only you, control your funds. Easily create a wallet to pay your mortgage or import wallets/keys created in other popular self-custody wallet applications like Metamask, Exodus Trust Wallet and Coinbase Wallet. Alternatively, you can make mortgage payments from your browser on the BitPay website. Log into your BitPay account and navigate to the Bill Pay tab from within the personal dashboard.

Step 2: Connect your accounts

In the BitPay app, tap the “Pay” tab and then “Pay Bills”. If you are a new BitPay user, you’ll be prompted to provide basic KYC information. Your information is used to connect your mortgage account to your crypto wallet.

Step 3: Pay your mortgage with your favorite cryptocurrency

Once your mortgage account is connected, provider, due date, balance and more details are displayed in the app. Select your mortgage, tap “Pay Bill” and enter the amount you’d like to pay. Then choose your preferred cryptocurrency and confirm the payment. It is that easy.

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Which mortgage lenders can I pay with crypto?

Using BitPay Bill Pay, you can make mortgage payments to almost any lender.

Which cryptocurrencies can I use to pay off my mortgage?

With BitPay Bill Pay, thousands of businesses and banks, including mortgage lenders, are able to accept direct crypto payments using any token or coin BitPay supports, including Bitcoin (BTC), Bitcoin on the Lightning Network, Ethereum (ETH), Bitcoin Cash (BCH), Dogecoin (DOGE), Shiba Inu (SHIB), Litecoin (LTC), Polygon (MATIC), XRP (XRP), Dai (DAI), Wrapped Bitcoin (WBTC), Gemini USD (GUSD), USD Coin (USDC), PayPal USD (PYUSD), Binance USD (BUSD), ApeCoin (APE) and Euro Coin (EUROC). We’re also continually evaluating other coins and tokens for inclusion in this list, so check back often if you don’t see your favorite crypto as an option currently.

Which wallets can I use to pay my mortgage?

You can make monthly mortgage payments right from the BitPay App, or right from the BitPay website if you prefer to bring your own crypto wallet. 

Because the BitPay App is a self-custody wallet, any self-custody wallets you’ve created through other wallet providers can easily be imported into the BitPay App using your 12- or 24-word seed phrase. You can make mortgage payments from the crypto assets contained in any wallet you import.

You can also pay off your mortgage with crypto through the BitPay website, which is compatible with more than 100 of the most trusted and popular crypto wallets. Simply sign up and connect to your lender, and you’ll be sent a custom invoice you can pay using your preferred wallet.

What other bills can I pay using crypto?

BitPay Bill Pay is designed to simplify your bill paying, no matter how many or how few monthly transactions you make. With Bill Pay, it’s easy to pay not just your mortgage with crypto, but to pay practically any other bill with crypto - your student loans, car payments, credit cards, personal loans and more. BillPay can be used with more than 5,000 service providers and lenders.

Credit card bills

Connect your credit card accounts to the BitPay App and make monthly payments from your crypto wallet. You don’t even need a checking account. BitPay supports all major credit card providers including Bank of America, Citibank, Chase Bank, Discover and more.  See our guide to paying credit bills with crypto.

Car payments

You can also use the BitPay App to make monthly car payments from a range of auto financing companies including Capital One Auto Finance, Toyota Financial Services, Wells Fargo Auto, Ford Credit and more. You can even buy a car with crypto outright if you have the funds. BitPay’s partners include some of the country’s biggest and most reputable car dealerships, so you can trust the transaction will be completed without any surprises. See our guide to paying auto loans with crypto.

Student loans

If you took out student loans for school, spent your lecture periods trading or buying low, and now want to put those profits to use, you’re in luck. Pay off student loans handled by Navient, Nelnet, Sallie Mae, Discover Student Loans, FedLoan Service and many other student loan providers. See more about paying student loans with crypto. Read our guide to paying off student loans with crypto.

Personal loans

You can even use crypto to repay personal loans using BitPay Bill Pay, which enables payments with well-known lenders including SoFi, Marcus by Goldman Sachs, Avant, Upstart, LendingClub and many others.

Looking to buy your home outright with crypto?

Thanks to many forward-thinking real estate companies, you can pay for your home entirely with crypto. Learn more about the rise of cryptocurrency in the real estate industry and how you can buy a home with crypto.

Other ways to spend crypto

By now you can see there are almost no limitations when it comes to making mortgage payments or other bill payments with crypto using BitPay Bill Pay. But your options go far beyond recurring monthly payments. These days how and where you spend crypto is only limited by your imagination. BitPay makes it easy to make purchases both big and small.

Spend direct with BitPay merchants

Shop from hundreds of BitPay partner merchants who accept cryptocurrency payments. Start by looking over our Merchant Directory to find your favorite store or brand that accepts direct payments, then follow the instructions provided on each page. You’ll find leading retailers, dining, entertainment and more including AMC Theaters, Ralph Lauren, Jomashop, Newegg and many more.

Spend using the BitPay Card

With the BitPay Card, you can spend crypto wherever life takes you, either from your phone or wallet. It’s accepted anywhere on the planet that takes Mastercard, and lets you take advantage of such perks as cash-back and low- or no-fee ATM withdrawals around the world. Getting one of your own is fast and easy.

We've temporarily paused new BitPay Card applications while we improve the crypto debit card program. Join our waitlist to get updates. 

Gift cards

If the stores and brands haven’t gotten on board the crypto payments bandwagon yet, don’t despair. BitPay lets you use the cryptocurrency of your choice to buy gift cards from a wide assortment of brands including Uber, Walmart, Hotels.com and more. 

Different ways to use the BitPay Wallet app

Buy crypto at low rates

It used to be that you had to shop around if you wanted to snag the best possible rates when purchasing crypto. Those days are over. BitPay’s extensive partner network takes the guesswork out of rate shopping with our “Best Offer” feature, which you can access either through the BitPay website or from the BitPay Wallet app. You’ll be given the choice between multiple offers, all with no hidden fees or excessive markups. Simply choose the one that’s best for you and you’ll be redirected to one of our trusted partner sites to finish the transaction.

Store with self-custody

The BitPay Wallet is self-custodying, meaning nobody but you will ever have access to your private keys or the crypto-assets they help protect. For crypto users who prioritize wallet security, self-custody is a must.


Whether you’re paying directly with crypto at your favorite retailer, making crypto payments on credit cards or other bills or spending crypto on gift cards, the BitPay Wallet can do it all. Even if you’re not a BitPay Wallet user you can still make crypto buys and have them sent to any self-custody wallet through the BitPay website.


If you want to help out with a blockchain project or become a member of a crypto community doing something interesting, chances are you’ll need to obtain some of the ecosystem’s native crypto token. For instance, if you wanted to try out some of the passive income earning opportunities the decentralized finance (DeFi) ecosystem offers, you’re required to hold some Ethereum or another compatible cryptocurrency. Or, maybe your interests lie in a more niche community powered by a smaller or lesser-known crypto token. Once upon a time you’d have to exchange fiat for a blue chip cryptocurrency like Bitcoin before exchanging that for the smaller coin. But with the BitPay app you can instantly exchange almost any cryptocurrency for any other, with hundreds of swapping pairs available.