Question 1

What is Lightning Pay Wallet?

Accepted Answer

Lightning Pay Wallet is a non-custodial Bitcoin and Lightning Network wallet with a Bitcoin Visa card. You hold your keys, send and receive on Lightning in under a second, and spend your Bitcoin anywhere Visa is accepted. Fees: 0.1% swap, 0.5% network/withdrawal markup, 0.1% bill pay, 0% monthly and 0% FX.

Question 2

Is Lightning Pay safe and legit?

Accepted Answer

Yes. Lightning Pay is non-custodial, so we never hold your funds. Keys are generated and stored on-device, encrypted at rest. The Bitcoin Visa card is issued by a licensed BIN sponsor. Lightning has been live since 2018 and processes millions of dollars in payments daily.

Question 3

Is Lightning Pay free?

Accepted Answer

The app is free to download and there are zero monthly fees and zero FX fees. You only pay tiny on-network fees plus a transparent markup: 0.1% on swaps, 0.5% on withdrawals, and 0.1% on bill pay. Lightning fees themselves are typically fractions of a cent.

Question 4

Where do I download Lightning Pay?

Accepted Answer

Lightning Pay Wallet is distributed from lightningpay.info/download. Builds for Windows, macOS, and Linux are signed with the Lightning Pay release key and reproducibly built from MIT-licensed source on GitHub.

Question 5

Is Lightning Pay non-custodial?

Accepted Answer

Yes. Lightning Pay is fully non-custodial. Your 12-word seed phrase is generated on your device, encrypted with your device passcode/biometrics, and never transmitted to our servers. We can't freeze your wallet, we can't see your balance, and if our company disappeared tomorrow you'd still recover your funds from the seed.

Question 6

Does Lightning Pay have a Visa card?

Accepted Answer

Yes. The Lightning Pay Bitcoin Visa card lets you spend your Bitcoin balance anywhere Visa is accepted — online, in-store via Apple/Google Pay, and at any ATM. Sats are swapped to fiat at the moment of purchase. 0% monthly fee, 0% FX fee, 0.5% network markup.

Question 7

Lightning Pay vs Cash App, Strike, or Muun — what's different?

Accepted Answer

Cash App and Strike are custodial — they hold your Bitcoin. Muun is non-custodial Lightning only and has no card. Lightning Pay is the only option that combines true self-custody (your keys), a full Lightning + on-chain wallet, a Bitcoin Visa card, and 0% FX/monthly fees.

Lightning Pay Wallet — Frequently Asked Questions