Best Non-Custodial Crypto Payment Gateways
Payment gateways where you keep your keys. Payments go directly to your wallet — no intermediary holds your funds.
Last updated: March 2026 · 10 gateways match this category
Why Non-Custodial Matters for Payment Gateways
Non-custodial means the payment gateway never holds your funds. When a customer pays, the crypto goes directly to your wallet address — the gateway only facilitates the transaction flow (generating invoices, confirming payments, notifying your application). This eliminates counterparty risk: if the gateway goes down, your funds are already in your wallet.
Five gateways in our directory are non-custodial: BTCPay Server (self-hosted, free), Coinremitter (0.23%), PayGate.to (0.5%, white-label), ATLOS (0.4%, 11 chains), and Paymento (0.5%, BNPL). Each takes a different approach — BTCPay gives you full sovereignty, while Coinremitter offers the simplest setup with direct wallet payouts.
The trade-off for non-custodial is that you manage your own wallets. You need to secure private keys, handle wallet backups, and manage fund consolidation. For businesses, this typically means using a hardware wallet or multi-sig setup. The upside: your funds are never at risk from a gateway hack, exit scam, or regulatory freeze.
Top 3 Compared
| Feature | Coinremitter | PayGate.to | Paymento |
|---|---|---|---|
| Tier | Gold | Gold | Silver |
| KYC Level | No KYC | No KYC | No KYC |
| Transaction Fee | 0.23% | 0.5% | 0.5% |
| Monthly Fee | Free | Free | Free |
| Supported Crypto | BTC, ETH, USDT, USDC, LTC +5 | BTC, ETH, USDT, USDC, SOL +3 | BTC, ETH, USDT, USDC, SOL +2 |
| Chains | Ethereum, BSC, Tron, Solana +1 | Ethereum, BSC, Tron, Solana +1 | Ethereum, BSC, Solana, Polygon +1 |
| Subscriptions | |||
| Invoicing | |||
| POS Terminal | |||
| API | |||
| Plugins | WooCommerce, Magento, Laravel, OpenCart | WooCommerce, Shopify | WooCommerce, Shopify |
| White Label | |||
| Mass Payouts | |||
| Fiat Settlement | |||
| Non-Custodial | |||
| Open Source | |||
| Affiliate Program | 30% Revenue share on transaction fees | White-label Set your own markup | TBD Revenue share |
| Action |
All Matching Gateways
Coinremitter
Cost-conscious merchants who want the lowest fees with no KYC and non-custodial fund handling
0.23%
10+ coins
PayGate.to
Privacy-focused merchants wanting a white-label, non-custodial gateway with zero registration
0.5%
8+ coins
Paymento
Merchants wanting non-custodial crypto payments with innovative BNPL functionality
0.5%
7+ coins
BTCPay Server
Technical merchants who want zero fees, full sovereignty, and complete control over their payment infrastructure
0% (free)
4+ coins
Trocador
Privacy-focused merchants who want zero KYC and non-custodial crypto acceptance
Variable (aggregator spread)
10+ coins
Apirone
Bitcoin-focused merchants wanting non-custodial processing with e-commerce plugins
1%
6+ coins
NexaPay
Merchants wanting to accept card payments (Visa/MC) and receive crypto without KYC
1-3%
6+ coins
PayRam
Technical merchants wanting sovereign, self-hosted, zero-fee crypto payment processing with no middleman
0%
6+ coins
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