diff --git a/README.md b/README.md
index 86d977e..4849930 100644
--- a/README.md
+++ b/README.md
@@ -125,6 +125,12 @@ import createLnRpc, {
 
 [All lnrpc methods documentation can be found here](http://api.lightning.community).
 
+### Usage With BTCPayServer
+
+By default lnrpc assumes SSl certificate pinning.
+In order to use lnrpc with a service (like BTCPayServer) which manages your certification,
+you'll have to opt to disable certificate pinning by passing `{ tls: false }` within your lnrpc configuration.
+
 ### Contributors
 
 To develop on the project please run:
diff --git a/lib/lnrpc.js b/lib/lnrpc.js
index 4f1119b..160d576 100644
--- a/lib/lnrpc.js
+++ b/lib/lnrpc.js
@@ -17,6 +17,7 @@ const DEFAULTS = {
   grpcLoader: protoLoader,
   server: 'localhost:10001',
   macaroonPath: '',
+  certEncoding: 'utf8',
   tls: /^darwin/.test(process.platform) // is macOS?
     ? `${HOME_DIR}/Library/Application Support/Lnd/tls.cert`
     : `${HOME_DIR}/.lnd/tls.cert`,
@@ -61,8 +62,18 @@ module.exports = async function createLnRpc(config = {}) {
   let credentials;
 
   try {
-    // Use SSL cert string or fallback to file path
-    let cert = config.cert || (await readFile(tlsPath));
+    // Use any SSL cert
+    let {cert, certEncoding} = config;
+
+    // Fallback optional .tls file path
+    if (!cert && tlsPath) {
+      cert = await readFile(tlsPath);
+    }
+
+    // Convert `cert` string to Buffer
+    if (cert && !Buffer.isBuffer(cert)) {
+      cert = Buffer.from(cert, certEncoding);
+    }
 
     /*
      Convert `cert` string to Buffer
@@ -80,6 +91,9 @@ module.exports = async function createLnRpc(config = {}) {
       process.env.GRPC_SSL_CIPHER_SUITES = 'HIGH+ECDSA';
     }
 
+    // NOTE: cert may be undefined at this point
+    // which is desirable for when certificate pinning
+    // is not necessary (i.e. BTCPayServer connection)
     credentials = grpc.credentials.createSsl(cert);
   } catch (e) {
     if (!e.code) e.code = 'INVALID_SSL_CERT';
diff --git a/test/lnrpc.test.js b/test/lnrpc.test.js
index 3f2aeb9..06df19c 100644
--- a/test/lnrpc.test.js
+++ b/test/lnrpc.test.js
@@ -80,6 +80,27 @@ describe('Lnrpc Factory', () => {
         .catch(() => done());
     });
 
+    it('should allow opting out of certificate pinning', (done) => {
+      createLnrpc({
+        tls: false, // opt out
+        grpc: grpcStub({
+          credentials: {
+            createSsl: (cert) => {
+              assert(
+                typeof cert === 'undefined',
+                'opted out of SSL cert pinning'
+              );
+            },
+          },
+          loadPackageDefinition: () => {
+            throw new Error('force error');
+          },
+        }),
+      })
+        .then(fail)
+        .catch(() => done());
+    });
+
     it('should combine credentials when macaroon present', async () => {
       let tests = 0;
       const expSslCreds = {};