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If your users expect a reasonable level of UX quality, you're likely better off giving a middleman his ounce of flesh.

If not, then spend your valuable time hacking together some combo of scripts and open source code to watch your wallets for incoming payments.

I disagree: BTCPayServer is pretty smooth these days.

I acknowledge that BTCPayServer works smoothly for BTC. What about ETH?

Looking at their documentation, it seems like a kludge:

I didn't know it even supported Eth!