Provider at a glance
- Category
- Crypto Bill Pay
- Entity
- Not verified
- Official website
- bullbitcoin.com
Independent rankingchecked How it works
Details
Scored 59 out of 100 under methodology 2026.10.18, from the evidence read in October 2026.
Bull Bitcoin
Bitcoin bill settlement in Canada
Crypto Bill Pay
#5 Overall
Ranked #5 of 7 crypto bill pay in the published ranking
59
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
Is Bull Bitcoin right for you?
Look elsewhere if these come first
- Business days until the biller shows it PAID — and the buffer the vendor admits you need2/10 here; Living Room of Satoshi scores 9
- Can it reach the one institution you owe — and can that be taken away6/10 here; the category best is 9
- Who eats the price move between your order and the biller's credit6/10 here; Living Room of Satoshi scores 8
- What you can hand the biller, and what the terms say the vendor actually did1/10 here; Living Room of Satoshi scores 7
Not yet tested for your country. Markets it lists: Canada.
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best bill payment service shows where it lands for you.
What will Bull Bitcoin cost you?
Not priced on this basis
- Payments per month
- 500
- Average payment
- $100
How safe is Bull Bitcoin?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read October 2026.
- LicenceMiCA (EU): no register record on file here.
- On the registersMiCA: authorised, LEONOD (FR, since 2026-06-22). Read 3 November 2026. Open the register
Alternatives to Bull Bitcoin
Compare all 4- 4Living Room of Satoshi14 points above · stronger on posted by due date (9 against 2)73
- 6Coins.ph4 points below · stronger on proof and who is liable (2 against 1)55
- 7Spritz Finance13 points below · weaker on named biller reachability (2 against 6)46
For your setup
Find out if Bull Bitcoin fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Bull Bitcoin lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
- A few questions
- No account required
- Ranking-blind: no commercial input
- Personalised in under 60 seconds
Find my best bill payment serviceNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why Bull Bitcoin ranks #5
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (11.9 here) sit inside the score; availability, friction, trust record and measured data add the rest.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
322+2.055.09#5/7Loading evidence…
266+4.996.09#4/7Loading evidence…
226+4.226.09#3/7Loading evidence…
201+0.645.07#6/7Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
Margin−14behind Living Room of Satoshi, #4
RobustnessHoldsacross a one-point change to each of its 4 criterion scores, the re-run scores 57–61 and stays #5
Evidence4 of 4 scored4 quoted, 4 with a source link
What would move the rank
Each line is the ranking run again with one of Bull Bitcoin’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.
Business days until the biller shows it PAID — and the buffer the vendor admits you need 2 → 10 on its ladder · passes Living Room of Satoshi+875#5 → #3
Business days until the biller shows it PAID — and the buffer the vendor admits you need 2 → 0 on its ladder · Coins.ph passes it−255#5 → #6
Can it reach the one institution you owe — and can that be taken away 6 → 3 on its ladder · Coins.ph passes it−354#5 → #6
Who eats the price move between your order and the biller's credit 6 → 3 on its ladder · Coins.ph passes it−354#5 → #6
Smallest climb: business days until the biller shows it PAID — and the buffer the vendor admits you need 2 → 10 passes Living Room of Satoshi, #4.
Strengths
0 from the score dataWhere it leads
No scored criterion is at or within one point of the category best, so no strength can be stated from the data.
Tradeoffs
4 from the score dataWhere it trails
Not for readers who put first
- Business days until the biller shows it PAID — and the buffer the vendor admits you need — 2/10 against a category best of 9/10
- Can it reach the one institution you owe — and can that be taken away — 6/10 against a category best of 9/10
- Who eats the price move between your order and the biller's credit — 6/10 against a category best of 9/10
- What you can hand the biller, and what the terms say the vendor actually did — 1/10 against a category best of 7/10
Record watch-outs
- Before committing anything, read two sentences the vendor itself publishes. First, on the very page that sells bill payment: "This should be thought of as "selling Bitcoin" and does not constitute a payment service in and of itself." — restated in the binding terms at §3.4 — which means a late fee, a disconnection or a credit-file mark from a missed due date is yours alone, and the FINTRAC register agrees, listing Satoshi Portal Inc. for "Virtual Currency" only and not Money Transferring. Second, the fee table the terms themselves designate as authoritative (§22.1) prices the OUTBOUND bill rail at "3-4 business days" — flatly contradicting /sell's "Most settlements are completed within one business day" and the blog's "Payments often settle within minutes" — and no page on the site publishes a cutoff time, a timezone, a holiday rule, or any separation between the date the biller treats as paid and the date the funds arrive. Since every sale is final and non-refundable from broadcast (§7.7), you are committing irreversible funds against a due date the vendor will not commit to. Pay well ahead, or use the DIY route: sell to your own bank account and pay the biller yourself.
Competitive position
Where Bull Bitcoin leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#1 / 76.0 of 20 · constant here
Published criteria#5 / 78.9 of 30 · best 17.4
Friction#1 / 72.7 of 10 · constant here
Trust record#1 / 73.2 of 8 · constant here
Measured data#1 / 79.7 of 18 · pool best
Where Bull Bitcoin leads
- Who eats the price move between your order and the biller's credit#3 / 7
Where it trails
- Business days until the biller shows it PAID — and the buffer the vendor admits you need#5 / 7
- What you can hand the biller, and what the terms say the vendor actually did#6 / 7
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
Coins.ph#6 of 7 · score 55 · 4.0 points behind
Bull Bitcoin leads on
- Can it reach the one institution you owe — and can that be taken away6 vs 4
- Who eats the price move between your order and the biller's credit6 vs 5
Coins.ph leads on
- What you can hand the biller, and what the terms say the vendor actually did2 vs 1
Largest single reason Bull Bitcoin is ahead: published criteria (+3.4 display points).Scenario cost: Coins.ph has no verified pricing for this scenario.
Spritz Finance#7 of 7 · score 46 · 13.0 points behind
Bull Bitcoin leads on
- Can it reach the one institution you owe — and can that be taken away6 vs 2
- Who eats the price move between your order and the biller's credit6 vs 4
Spritz Finance leads onNo scored criterion
Largest single reason Bull Bitcoin is ahead: published criteria (+9.1 display points).Scenario cost: Spritz Finance has no verified pricing for this scenario.
Living Room of Satoshi#4 of 7 · score 73 · 14.0 points ahead
Bull Bitcoin leads on
- Can it reach the one institution you owe — and can that be taken away6 vs 2
Living Room of Satoshi leads on
- Business days until the biller shows it PAID — and the buffer the vendor admits you need9 vs 2
- Who eats the price move between your order and the biller's credit8 vs 6
- What you can hand the biller, and what the terms say the vendor actually did7 vs 1
Largest single reason Living Room of Satoshi is ahead: published criteria (+17.7 display points).Scenario cost: Living Room of Satoshi has no verified pricing for this scenario.
Against the leader
77 vs 59 · gap 18.0Why Bitcoin Well ranks above Bull Bitcoin
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 18.0 to within rounding. Bull Bitcoin is ahead on measured data (+3.6 in its favour).
DimensionThisBitcoin WellGap share
Availability · 23% weight · constant here6.06.0same
Published criteria · 35% weight8.917.4−22.1, worse
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight9.78.3+3.6, better
Published criterionThisBitcoin WellPoints
Business days until the biller shows it PAID — and the buffer the vendor admits you need · w3226−4.10, worse
Can it reach the one institution you owe — and can that be taken away · w2669−2.50, worse
Who eats the price move between your order and the biller's credit · w2269−2.11, worse
What you can hand the biller, and what the terms say the vendor actually did · w2015−2.56, worse
Net5977−18.0
Your scenario
Bull Bitcoin is not priced for this scenario
Percentage and fixed legs on each payment, for a year. Excludes chargebacks, FX markup and settlement fees priced separately. Change an input and every figure recomputes from the published rate; the published rank does not move.
your cost/yr · default scenario — set your own
Payments per month · your input500
Average payment · your input$100
Rate read from the provider’s published pricing ↗ on 28 October 2026.
your cost/yrCost is stated as your cost/yr in USD; it is never a yield, never annualised, and it does not enter the score.
Not priced on this basis
Under the default inputs · USDCategory medianNot priced0 of 7 rows priced
Cheapest pricedNone pricedDifference not stated · availability not applied — set your country to filter
7 of 7 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
Evidence
Evidence read 28 October 2026
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidenceVerified4 of 4 criteria reconstruct from receipts
4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.Public receiptsReading…4 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 4 dated sources quoted.RobustnessHoldsrank #5 across every one-point re-run
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 28 October 2026.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
Business days until the biller shows it PAID — and the buffer the vendor admits you needstrength 2 · weight 32Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Can it reach the one institution you owe — and can that be taken awaystrength 6 · weight 26Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Who eats the price move between your order and the biller's creditstrength 6 · weight 22Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.What you can hand the biller, and what the terms say the vendor actually didstrength 1 · weight 20Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Execution failure: you get a worse price, later, or nothing.Scored by Business days until the biller shows it PAID — and the buffer the vendor admits you need · 32% (Bull Bitcoin 2/10)Scored by Who eats the price move between your order and the biller's credit · 22% (Bull Bitcoin 6/10)Scored by What you can hand the biller, and what the terms say the vendor actually did · 20% (Bull Bitcoin 1/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Regulatory failure, Exit failure, Information failure. A high place says nothing about these; the Methodology tab says what each means. Also scored, as cost, quality or a summary of several families: Can it reach the one institution you owe — and can that be taken away (26%).
Facts
facts, not scoresWhat the record publishes
- Pricing
- Fee table at https://
www .bullbitcoin .com /rates, fetched 28 September 2026, section "Fiat payouts (account withdrawals)", columns "Processing fee | Minimum per transaction | Maximum per transaction | Processing time": the outbound row reads "Bill payment (CAD)" | "No fee" | "25 CAD" | "No maximum" | "3-4 business days". The same page carries a separate INBOUND "Bill payment (CAD)" row under "Fiat payins (account funding)" — "No fee" | "No minimum" | "100000 CAD" | "3-4 business days" — which is paying Bull Bitcoin from your own bank's bill-pay screen, not this category. Revenue is spread, not fee: "We quote a lower rate when users sell Bitcoin and a higher rate when users buy Bitcoin, just like traditional currency exchanges." and, under "No hidden spread, no hidden fees", "Unlike most crypto exchanges, we do not hide our spread. What you see is what you get." No spread percentage is printed; the live sell and buy prices load client-side. "Discounted rates are available to Bull Bitcoin Prime users with over $100,000 in transaction volume." Terms §7.9 and §22.3-22.5 (https:// www .bullbitcoin .com /terms /canada) still describe the sell quote as including a "markdown" and let the executed rate prevail over the published one. Fee level is not scored on this page.Bull Bitcoin — official pricing page ↗ · 28 October 2026 - Prices published in
- USDBull Bitcoin — official pricing page ↗ · 28 October 2026
- Licences held
- Canada: FINTRAC Money Services Business registration — SATOSHI PORTAL INC. (operating name BULL BITCOIN), status "Registered", Services Offered "Virtual Currency" only (NOT Money Transferring), registered address 4008 4 ST SE, CALGARY, ALBERTA, T2G 2W3, website WWW.BULLBITCOIN.COM M16730720, France (EU/EEA passport): AMF liste blanche PSCA — "PSCA Agréé MICA", entity LEONOD SARL (Bull Bitcoin's EUROPEAN entity, not the Canadian bill operator; register lists site internet https://
app .bullbitcoin .com, LEI 969500O878F3MGJCYV50, RCS 849 566 559). "Services agréés: Échange de crypto-actifs contre des fonds". "Date d'agrément 22/06/2026". Covers NO Canadian activity and NO bill-payment service A2026-019 - Compliance level
- full
- Regulatory note
- Canada: FINTRAC Money Services Business registration — SATOSHI PORTAL INC. (operating name BULL BITCOIN), status "Registered", Services Offered "Virtual Currency" only (NOT Money Transferring), registered address 4008 4 ST SE, CALGARY, ALBERTA, T2G 2W3, website WWW.BULLBITCOIN.COM (M16730720) — https://
fintrac-canafe .canada .ca /msb-esm /reg-eng .xlsx. - Supported chains
- Bitcoin, Lightning Network, Liquid Network
- Markets served
- ca
- Primary markets
- Not published
- Restricted markets
- Not published
- Operating limits
- Not published
- Availability note
- CANADA ONLY for bill payment, re-verified 14 August 2026. The bill rail is CAD-denominated on both sides — https://
www .bullbitcoin .com /rates lists it as "Bill payment (CAD)" and https:// www .bullbitcoin .com /sell describes the directory as "Any of over 14,000 standard Canadian billers". The ban on US and UK readers is not an inference from the CAD rail, it is written into the binding terms. /terms/canada §14.2 reads "Users or residents from the following countries are not allowed to access the platform:" and the list explicitly ends with "... Vanuatu Vietnam USA United Kingdom" — alongside Belarus, China, DPRK, Guatemala, Haiti, Iran, Libya, Moldova, Nicaragua, Russia, Sudan, South Sudan, Sri Lanka, Syria, Ukraine (Russian-occupied Crimea region), Venezuela, Yemen, Zimbabwe, Serbia, Myanmar, Central African Republic, Congo Democratic Republic, Iraq, Lebanon, Somalia, Afghanistan, Algeria, Bangladesh, Bosnia & Herzegovina, Cambodia, Cuba, Egypt, Guyana, Laos, Pakistan, Palestine, Qatar and Uganda. Bull Bitcoin the COMPANY operates more widely — the bill blog post states "Bull Bitcoin is directly integrated with the banking systems of Canada, Europe, Costa Rica, Argentina, and Mexico", and /rates lists SEPA (EUR), SINPE Movil and Costa Rica IBAN (CRC/USD) and SPEI (MXN) payout rails — but NONE of those non-Canadian rails is a bill-payment rail; they are bank transfers, which belong to Offramps/Remittances, not this category. So a European, Costa Rican, Argentine or Mexican reader can sell Bitcoin to a bank account here but CANNOT pay a biller, and a US or UK reader is barred from the platform outright. It is filed under Canada, so it is shown to Canadian readers and not to Americans, whom the terms bar.
No confirmed legal entity is on file for this record. Nothing is inferred from the brand name.
If something goes wrong with Bull Bitcoin: where to complain, and where to report a scam
Loading the routes for your country.
How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
10 methodology entries
- 28 October 2026Current verified snapshot · methodology 2026.10.18Score 59, #5 of 7. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 10 October 2026
2026.10.8When nothing serves your country, the list shown for reference is the published ranking · platform-wide- fixed The reference list shown when nothing serves your country is the published order with the published scores, and a build check now fails any such list out of that order or with a score the ranking does not publish.
- fixed The explorer prints an overall rank only for a row the published ranking holds; a country entrant such as Coinbase Commerce for US merchants shows no overall rank.
- changed Published orders do not move. Country results change only where nothing serves the country: in India bill pay keeps Bitcoin Well first and now shows Strike second, as published; 35 such runs across all categories and countries now match the published list exactly.
- 10 October 2026
2026.10.7Forty-one more products are offered only where their own quoted terms serve- fixed 141 country exclusions on 31 rows, each the name of a country the row's own quoted terms exclude: for example Mercuryo Hungary, China, Pakistan, Bangladesh, Chile, Colombia and Morocco; Gemini Custody the United Kingdom, Australia and the EU after its wind-down; Backed xStocks the US, Canada, the UK, Australia, Nigeria, the Philippines and Venezuela.
- changed Thirteen rows list the only countries their terms serve: Coins.ph the Philippines, Spritz bill pay, Brex, Unchained, WisdomTree, Franklin BENJI and AnchorWatch the United States (with its territories for AnchorWatch), PRYPCO Mint the UAE, N26 crypto seven EU countries, Gemini Tokenized Stocks the EU, XNET the US, Canada and the UK, Coldbit Steel and MetaMask Card the countries they list.
- changed Published (no-country) orders do not move. Country results change: in India six categories each lose one row (bill pay, cards, off-ramps, P2P, seed backup, tokenised real estate), and bill pay there has no row confirmed available, so it shows the published order marked as such; country pages list 23 fewer rows (24,357 to 24,334). The grounding test now matches full country names in any case, which shows seven earlier exclusions were quoted all along: the named debt of unquoted exclusions falls from 40 to 33 pairs.
- 10 October 2026
2026.10.6A criterion you require re-scores the rows that meet it · platform-wide- changed The explorer sends each criterion you require, at any band, as fit_required with your other answers; region, licence, chain and fact filters stay filters. On /best, a required criterion joins For you as a marked preference does, which needs your country; Overall stays the published ranking, filtered.
- added Every published criterion has a golden case as the explorer sends it (require:<criterion>), so the order a requirement gives is replayed and gated as the published order is, and a change to it needs an entry here.
Methodology 2026.10.18, the same published run every visitor sees · receipt bill_pay:bull_bitcoin:2026.10.18:ff085c92b753
Are you Bull Bitcoin? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.