Commerce · alternatives · 2026

24 alternatives to Universal Money Address

Just like email, but for money

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Universal Money Address launched in 2023; newer entries below may have overtaken it.

1. 1
   PayID▲208

   It's like an email address for payments

   2020 · its alternatives →

2. 2
   Strike▲113

   Send money instantly, with no fees, anywhere in the world

   2021 · invite.strike.me · its alternatives →

3. 3
   Relai Lightning Wallet▲295

   Send and receive lightning fast Bitcoin payments.

   2024 · relai.app · its alternatives →

4. 4
   Small Transfers – charge from 0.000001 USD per request for your SaaS▲198

   Hi HN, I built Small Transfers, a payments platform for SaaS / API makers who want to bill customers per request instead of pushing them into subscriptions or pre-buy packages. *Why?* - Many customers hate subscriptions and/or want to use a service occasionally. - Traditional payment processors add a fixed fee to every charge, making charges below 1 USD impractical. - Stripe UBB tracks usage, but you still need to write your own auth, add spending limits, and each merchant charges cards separately (extra fees for customers). *How it works?* - Each merchant has a Small Transfers…

   2025 · smalltransfers.com · its alternatives →

5. 5
   Lastbit Lite▲96

   Pay or get paid in Bitcoin or Euros instantly

   2021 · striga.com · its alternatives →

6. 6
   Umuse▲87

   The universal inbox for all of your email and chat messages.

   2018 · pg138slot.co · its alternatives →

7. 7
   tipybit▲74

   Receive tips in Bitcoin via Lightning Network

   2022 · tipybit.com · its alternatives →

8. 8
   Local Lightning▲70

   Buy/Sell Bitcoin locally via the Lightning Network

   2019 · its alternatives →

9. 9
   Coin Assistant▲139

   World's first financial AI-assistant for digital currencies

   2019 · coin.xyz · its alternatives →

10. 10
    X Money▲125

    Your money, on the world's most powerful network.

    Aug 2026 · money.x.com · its alternatives →

11. 11
    CryptoAlly▲66

    Satoshi and Bitcoin quotes in 100+ currencies in real time

    2019 · its alternatives →

12. 12
    Pine▲80

    Pay your friends with bitcoin

    2020 · pine.pm · its alternatives →

13. 13
    Valora▲109

    Send money like a text message to anyone worldwide

    2021 · its alternatives →

14. 14
    OpenNode▲95

    The easiest way to accept bitcoin.

    2018 · opennode.com · its alternatives →

15. 15
    LifPay▲68

    The radically simple Bitcoin lightning wallet

    2022 · lifpay.store · its alternatives →

16. 16
    Sparkswap▲75

    Buy Bitcoin instantly on the Lightning Network

    2019 · its alternatives →

17. 17
    Sat2.io▲63

    Send Bitcoin to anyone, using the Lightning Network

    2019 · bscf.io · its alternatives →

18. 18
    BitPay▲104

    Manage your bitcoin finances in one app

    2016 · bitpay.com · its alternatives →

19. 19
    Lastbit Cards▲115

    A card to spend and earn Bitcoin for Europeans

    2021 · play.google.com · its alternatives →

20. 20
    Sendr▲114

    Send money like a Text Message. Powered by Stablecoins.

    Apr 2026 · sendr.cash · its alternatives →

21. 21
    Umpyre▲69

    Messaging for humans - get paid for your attention

    2019 · umpyre.com · its alternatives →

22. 22
    Cashila▲73

    Use bitcoin to pay bills and wire euros to yourself & others

    2016 · cashila.com · its alternatives →

23. 23BP
    Bitbillpay - Pay any PostBillPay biller in Australia with Bitcoin▲80

    2013 · bitbillpay.com.au · its alternatives →

24. 24
    Bitsms▲78

    Send Bitcoin offline via SMS

    2020 · bitsms.org · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →