Pay bills with Bitcoin (2026 complete guide)

You can settle rent, utilities, credit cards, mortgages, taxes, and tuition in Bitcoin today. Almost no biller accepts BTC directly — but the rails behind Lightning Pay convert your BTC to fiat and send a standard ACH/SEPA/Faster Payments transfer to the biller in your local currency.

1. Your wallet holds non-custodial BTC.
2. A bill-pay partner (BitPay, Bitrefill, Strike, Spritz) accepts a Lightning payment.
3. The partner sells the BTC and sends fiat to the biller via ACH/SEPA/wire.
4. You get a confirmation; the biller receives a normal payment in 1–3 business days.

• Electric bills (Duke, ConEd, PG&E, ComEd, Dominion)
• Phone bills (AT&T, Verizon, T-Mobile, Mint, Vodafone)
• Internet bills (Comcast, Spectrum, AT&T Fiber, Fios)
• Water, gas, waste
• Rent
• Credit cards
• Taxes (IRS, state DOR, property)
• Mortgages
• Gift cards (Amazon, Walmart, Uber, 5,000+ brands)

1. Download Lightning Pay desktop.
2. Fund the wallet with BTC.
3. Open Bill Pay, search for your biller (or "Other" for any ACH-accepting payee).
4. Enter account number and amount.
5. Confirm the Lightning payment. Lightning Pay shows the total fiat the biller will receive and the all-in fee.

• Lightning network fee: typically < $0.01.
• Partner conversion spread: 1–2.5%.
• Biller ACH fee: $0–3 depending on payee.
• Typical all-in: 1.5–3%.

Lightning Pay's Auto-Pay lets you schedule recurring bill payments and optionally top up the wallet with Auto-DCA the day before each due date.

Spending BTC is a taxable event. The built-in Tax Assistant tracks every bill-pay transaction with cost basis attached for clean year-end exports.