OxaPay Review 2026: No-KYC Crypto Payment Gateway
OxaPay review: no-KYC crypto gateway with 0% merchant fees, Telegram bot payments, multi-crypto support, and no-code setup. Honest pros, cons, and alternatives.
TL;DR — OxaPay Review
OxaPay is a no-KYC crypto payment gateway with a unique fee model: 0% for merchants, with network fees passed to customers. It supports Telegram bot payments and is easy to set up. But it is a smaller platform with less track record, and the limited feature set means you may outgrow it quickly.
OxaPay flies under the radar compared to the big names, but it has carved out a niche: a no-KYC crypto payment gateway where the merchant pays nothing and the customer absorbs the network fees. If you sell digital goods, run a Telegram-based business, or want the absolute simplest path to accepting crypto, OxaPay is worth a look.
But "under the radar" cuts both ways. Less track record means less trust. Let me break down what OxaPay actually delivers and where it falls short.
What Is OxaPay?
OxaPay is a cryptocurrency payment gateway that enables merchants to accept crypto payments with zero processing fees. The platform supports multiple cryptocurrencies including Bitcoin, Ethereum, USDT, USDC, Litecoin, and others. It operates without KYC requirements — you can sign up and start accepting payments with just an email address.
What sets OxaPay apart is its fee structure: the merchant pays 0%, and the network fee is either passed to the customer or included in the product price at the merchant's discretion. This is the opposite of most gateways where the merchant absorbs the processing fee.
How It Works
OxaPay keeps things simple:
- Sign up with an email — no KYC, no documents
- Get your API key from the dashboard
- Integrate via API, payment link, Telegram bot, or plugins
- Customer pays in their chosen cryptocurrency
- You receive crypto in your OxaPay wallet
- Withdraw to your external wallet when ready
Key Features
Telegram Bot Payments
This is OxaPay's most unique feature. You can set up crypto payments directly within a Telegram bot. If you run a Telegram-based store, community, or service, this is incredibly useful. No website needed — customers buy and pay entirely within Telegram. Very few competitors offer this.
No-Code Setup
OxaPay provides payment links and a simple dashboard that requires zero coding knowledge. Create a payment link, share it, and start receiving crypto. For businesses without developers, this is the fastest path to crypto acceptance.
API Integration
For custom builds, OxaPay has a REST API that handles payment creation, callbacks, and status checks. The API is straightforward but less comprehensive than what NOWPayments or OpenNode offer.
Multi-Crypto Support
OxaPay supports Bitcoin, Ethereum, USDT (TRC-20 and ERC-20), USDC, Litecoin, Tron, and several other major cryptocurrencies. Not the 300+ of NOWPayments, but it covers the coins that matter for most transactions.
No KYC
No identity verification at any level. Sign up, integrate, accept payments. This puts OxaPay in the same no-KYC category as Coinremitter and PayGate.to.
Fees and Pricing
The 0% merchant fee sounds amazing, and it is — for the merchant. But someone pays. The customer covers the network fee, which can be significant on Ethereum ($5-20 depending on congestion). On Tron or using USDT TRC-20, network fees are much lower (under $1). Smart merchants encourage TRC-20 stablecoin payments to minimize customer friction.
Pros and Cons
Pros
- 0% merchant fees — you pay nothing
- No KYC — email signup only
- Telegram bot payments — unique feature
- No-code setup available
- Multi-crypto support
- Simple, clean interface
Cons
- Custodial — OxaPay holds your funds until withdrawal
- Smaller platform — less established track record
- Network fees passed to customer — can hurt conversion
- No subscription billing
- No fiat settlement
- Limited plugin ecosystem
- No white-label checkout
Alternatives
If OxaPay does not quite fit, here are the closest alternatives in the no-KYC space:
- Coinremitter — 0.23% fee, non-custodial, 50+ coins. Lower risk than custodial OxaPay.
- PayGate.to — 0.5% fee, zero registration, white-label checkout. Even more anonymous.
- Paymento — 0.5% fee, non-custodial, crypto BNPL. More features for merchants.
- XAIGATE — 0.2% fee, auto-convert to USDT. Cheapest hosted option.
Compare No-KYC Payment Gateways
See all no-KYC options side by side — fees, features, and trust factors.
Compare No-KYC Gateways →Frequently Asked Questions
Is OxaPay legit?
OxaPay is a functioning payment gateway that processes real transactions. However, it is a smaller and less established platform compared to NOWPayments, BitPay, or BTCPay Server. Start with small amounts to build confidence before processing significant volume.
Does OxaPay require KYC?
No. OxaPay requires only an email address to sign up. No identity verification, no documents, no waiting period.
What does "0% merchant fee" really mean?
The merchant pays zero processing fees. The blockchain network fee is passed to the customer. The customer pays slightly more than the product price to cover the network transaction fee.
Is OxaPay custodial?
Yes. OxaPay holds your received funds in their platform wallet until you withdraw. For non-custodial options, see Coinremitter or BTCPay Server.
Does OxaPay support Telegram payments?
Yes. This is one of OxaPay's unique features. You can integrate crypto payments directly into a Telegram bot, enabling purchases without leaving the Telegram app.
What cryptocurrencies does OxaPay support?
Bitcoin, Ethereum, USDT (TRC-20 and ERC-20), USDC, Litecoin, Tron, and several other major cryptocurrencies. The selection focuses on popular coins rather than trying to support thousands of obscure tokens.
Can I get fiat settlement with OxaPay?
No. OxaPay does not offer fiat conversion or bank settlement. You receive and withdraw cryptocurrency. For fiat settlement, consider BitPay or BoomFi.