If your native currency is not on the list of available currencies, you can opt to receive 100% of your settlement in the form of bitcoin. Here's how to add a bitcoin address and bitcoin settlement preferences to your BitPay account.
If you need to create a bitcoin wallet to receive your settlement payouts, we recommend our own BitPay wallet: https://bitpay.com/wallet
After you receive settlement from BitPay, you can use a bitcoin exchange to convert your funds into another currency for minimal fees (generally less than 1%).
We're constantly working to expand settlement options and our supported national currencies. Check out the following page to view our list of supported currencies in which we offer direct deposit: https://bitpay.com/docs/settlement