Best no KYC payment gateway, ranked by fees, privacy and payout speed.

NexaPay is the #1 ranked no KYC payment gateway for 2026. Compare data-driven scores, merchant reviews and real fees across 25 crypto gateways, card processors and on-ramps.

Compare 25 crypto gateways, card processors and on-ramps

An independent index of payment gateways. Every provider is scored on the same criteria from verified, community-contributed data, merchants review the ones they use, and every complaint is tracked to an outcome.

gateways, processors and on-ramps reviewed
25
accept merchants without KYC
9
countries with at least one option
190+
scoring criteria, community-weighted
7
Rankings

Top no KYC payment gateways. Ranked on verified data, rated by merchants.

#1 #1 Ranked See checkout

NexaPay

Card payments settled in crypto, without KYC

KYC
No KYC
Fee
0.4%
Payout
Instant
4.7(847 reviews)
9.2
#2 Top self-hosted See checkout

BTCPay Server

Technical users who want a self-hosted gateway

KYC
No KYC
Fee
0%
Payout
Instant
4.4(523 reviews)
8.7
#3 See checkout

ATLOS

Permissionless wallet-direct crypto payments with subscriptions

KYC
No KYC
Fee
1%
Payout
Instant
4.0(87 reviews)
8.6
  1. Rank 4 of 25▲1

    Paymento

    Privacy-focused merchants with crypto-native customers

    No KYC0.5%
    4.3(312 reviews)
    8.4
  2. Rank 5 of 25

    NOWPayments

    Crypto-to-crypto payments with optional fiat settlement

    KYC over limits0.5%
    3.7(689 reviews)
    8.1
  3. Rank 6 of 25▼1

    Plisio

    Low-fee crypto checkout for small online stores

    No KYC0.5%
    3.6(198 reviews)
    7.9
  4. Rank 7 of 25

    BitHide

    Non-US/EU businesses wanting self-hosted crypto infrastructure

    No KYCQuote-based
    3.0(1 review)
    7.8
  5. Rank 8 of 25

    OxaPay

    Low-friction crypto invoicing for hosting and digital businesses

    No KYC1.5%
    3.5(156 reviews)
    7.5
  6. Rank 9 of 25

    Simplex

    Exchanges and wallets needing a licensed card on-ramp

    KYC not publishedVaries
    No reviews yet
    6.6
  7. Rank 10 of 25▼2

    CoinPayments

    Non-EU merchants wanting broad altcoin and stablecoin coverage

    KYC required0.5%
    2.5(2 reviews)
    6.2
See all 25 gateways
Checkouts

See the checkout before you choose. What your customers see, gateway by gateway.

NexaPay#1
NexaPay checkout for a $35.00 payment with Apple Pay, Google Pay and card fields

Checkout. The customer pays by card, Apple Pay or Google Pay.

NexaPay profile

Screens from each gateway’s checkout or product demo. Amounts are samples.

Everything in one place

Choose with confidence. Every number you need, side by side.

Data-driven rankings. Every gateway scored on the same 7 criteria from verified data, with rank changes per edition.

1NexaPay▲29.2
2BTCPay Server–8.7
3ATLOS–8.6
4Paymento▲18.4
5NOWPayments–8.1

Fee calculator. Your volume against every published rate.

At $50k a month$0
BTCPay Server$0
NexaPay$200
CoinPayments$250
NOWPayments$250
Paymento$250

Merchant reviews. Ratings from businesses that use each gateway.

3.6
5★11
4★14
3★13
2★7
1★1

Complaint desk. Every case tracked from filing to outcome.

PayPalAccount hold · $1,850
Awaiting reply
StripePayout delay · $2,200
Resolved
PayPalPayout delay · $3,200
Resolved

KYC at a glance. See what each gateway asks for before you sign up.

No KYC
KYC over limits
KYC required
Merchant reviews

Payment gateway reviews. From merchants that process real crypto payments.

3.6
Average across 46 reviews of 17 gateways
Browse by gateway
NexaPay

Replaced Stripe after account termination

Our Shopify store selling CBD products was terminated by Stripe within 48 hours of going live. No warning, no appeal. We tried three other payment processors and hit the same wall. NexaPay was accepting payments for us within 10 minutes of signing up. Our customers pay with their regular cards and we get USDT instantly. Six months in and not a single issue.

Rachel P.CBD products · US Verified
Coinbase Business

USDC-only limits the use case

Coinbase Business works fine for what it does — USDC payments settle quickly on Base with no gas for the payer. But only accepting one currency is a major limitation. You also have to be a US C-corp or LLC, which excludes most international merchants. It is decent for a narrow use case but far from a complete solution.

Jennifer K.SaaS · US Verified
NexaPay

Game changer for international sellers

I sell digital products from Ukraine where Stripe and PayPal are either unavailable or freeze accounts without warning. NexaPay was the answer I did not know existed. Setup took about 60 seconds — I entered my USDC wallet address, created a payment link, and sent it to a customer within the hour. The customer paid with their Visa card and I had the USDC in my wallet within minutes. No paperwork, no waiting, no compliance back-and-forth. I have been using it for three months now and have processed over 200 transactions without a single issue.

Daniel K.Digital products · UA Verified
Paymento

Zero KYC, wallet-to-wallet, no freezing risk

This is what crypto payments should be. Paymento sends every payment directly from the customer's wallet to mine. No KYC, no KYB, no custodial risk. Nobody can freeze my funds because nobody ever holds them. I use the Telegram automation for my paid groups and it works flawlessly. The only limitation is that customers must already hold crypto.

Dmitri S.Telegram groups · RU Verified
BTCPay Server

Full sovereignty over payments

I have been running BTCPay Server on my own VPS for two years. Zero transaction fees, full control over my keys, and no third party can freeze my account. If you are technical enough to set up Docker, this is the only payment solution that truly respects your independence. The Greenfield API is well designed and the community is excellent.

Thomas W.Hosting provider · DE Verified
NexaPay

Best option for cross-border SaaS billing

We are a small SaaS team based in Turkey. Traditional payment gateways either do not support Turkish companies or charge 4-5% in FX conversion fees. NexaPay lets us invoice our international clients in USD via card and receive USDC directly. The integration with our billing system took half a day using their API. Our revenue now arrives without a 30-day hold or currency risk.

Emre A.SaaS platform · TR Verified
CoinGate

Solid for EU compliance needs

We needed audit-ready reporting and formal regulatory alignment for our EU-based e-commerce operation. CoinGate delivered on both. Instant settlement to our EUR bank account, crypto refund support, and all the compliance documentation our accountant needs. The downside is that the full business KYC onboarding took two weeks, and the minimum withdrawal of 50 EUR is annoying for small transactions.

Anna L.E-commerce · LT Verified
NexaPay

Apple Pay support is a massive conversion boost

The Apple Pay and Google Pay integration is what sets NexaPay apart from other crypto payment gateways. My customers tap to pay like they would on any normal site. They have no idea their payment settles in USDC on my end. Conversion rate jumped 25% compared to when I was using a crypto-native checkout that required the buyer to have a wallet. This is how crypto payments should work.

Lisa C.Online coaching · CA Verified
OxaPay

Auto-convert to USDT is useful

The auto-conversion feature saves me from worrying about price volatility on incoming payments. The sandbox mode made testing straightforward, and the 1.5% fee is reasonable for what you get. No KYC was a plus. The main concern is that the operating jurisdiction is not disclosed anywhere in the terms.

Fatima Y.Online services · TR Verified
BitPay

Works for enterprise, but the KYC is brutal

We are a mid-size retailer and BitPay has been reliable for processing. The daily fiat settlement is consistent and the compliance documentation satisfies our auditors. But the initial KYC verification took five days, and when we needed to update our banking details, support was slow to respond. It works, but the overhead is significant.

Michael D.Enterprise retail · US Verified
NexaPay

Solid for gambling and gaming sites

We operate a skill-based gaming platform that no traditional processor will touch. NexaPay processes our deposits without any of the usual compliance theatre. The only reason I give four stars instead of five is that I would love to see more settlement options beyond USDC and USDT. But for what it does, it does it very well and very fast.

Victor N.Online gaming · CY Verified
ATLOS

Permissionless and flat 1% — refreshing

Signed up by connecting my MetaMask wallet. No email, no name, no verification. The 1% flat fee is straightforward with no hidden charges. Smart contract payments go directly to my wallet. The only downside is no card acceptance, so it only works for crypto-native customers.

Mikhail P.SaaS · EE Verified
NOWPayments

Great for crypto-to-crypto, but fiat is a different story

For pure crypto payments, NOWPayments is hard to beat. The 0.5% fee is among the lowest anywhere, and supporting 300+ coins means my customers can pay with whatever they hold. But when I tried to enable fiat card payments, they asked for full KYC including business documents. That process took about a week. If you only need crypto-to-crypto, this is excellent. If you need cards, look elsewhere.

James P.VPN service · NL Verified
NexaPay

Zero chargebacks changed everything for us

We sell digital downloads and were losing around 4% of revenue to chargebacks with our old processor. With NexaPay the buyer pays with their card but the settlement is in crypto, which means no chargeback mechanism exists. We have saved thousands already. Setup was trivial and support was responsive when we had a question about webhooks.

Alex D.Digital downloads · NL Verified
Plisio

Cheapest option at 0.5% with many plugins

Using Plisio with WHMCS for our hosting business. The 0.5% API fee is the lowest I have found for a hosted gateway, and the plugin list is extensive. My only concern is that it is custodial — payments go to Plisio wallets first, which means there is counterparty risk. But for the price, it is hard to complain.

Ivan T.Web hosting · UA Verified
Square

Easy for mainstream retail, tough on high-risk

Square is straightforward for standard in-person and online retail. The flat 2.6% + $0.10 rate is transparent. But anything outside mainstream categories — supplements, firearms, CBD — gets rejected during the application. If you are in a high-risk vertical, do not waste your time applying.

Karen J.Retail · US Verified
NexaPay

From PayPal holds to instant settlement

PayPal held $12,000 of our revenue for 180 days with zero explanation. After that experience I swore off traditional processors entirely. NexaPay sends every payment directly to my wallet the moment the customer pays. There is no intermediary holding my money, no rolling reserve, no monthly fee. Just payments, straight to me.

Omar F.Dropshipping · AE Verified
Cryptomus

Wide token coverage but the FINTRAC fine is concerning

Cryptomus supports 124 currencies across 14 networks, which is impressive for our marketplace. The auto-convert feature is free. But the CAD 177M fine from FINTRAC and the TRM Labs reports about Russia links make me uneasy. I am keeping my balance low and withdrawing frequently.

Wei L.Marketplace · SG Verified
Stripe

Best developer tools, worst for privacy

From a developer perspective, Stripe is unmatched. The API design, documentation, and SDKs are best in class. But the extensive KYC process, the 7-14 day hold on first payouts, and the ever-growing list of restricted business categories make it frustrating. If you value privacy or operate in anything remotely outside the mainstream, Stripe is not for you.

David L.SaaS · US Verified
NexaPay

Non-custodial means real peace of mind

After what happened with FTX I do not trust anyone to hold my money. NexaPay is non-custodial so the funds go straight from the buyer to my wallet. There is no balance sitting on some company's server. This is the only card-to-crypto gateway I have found that combines real card acceptance with true non-custodial settlement. Exactly what I was looking for.

Jan K.Consulting · CZ Verified
BTCPay Server

Great if you have the technical skills

It took me a full weekend to set up Docker, configure the nginx reverse proxy and get everything running. But once it was up, it was worth it — zero fees on every transaction since. I would not recommend this to anyone who is not comfortable with Linux administration, but for developers and sysadmins, it is the gold standard.

Lisa H.Online store · US Verified
PayPal

Funds held for 21 days as a new seller

Started selling handmade goods online. My first payment of about $800 was held for 21 days under PayPal's new seller policy. For a small business with tight margins and suppliers to pay, a three-week hold is devastating. By the time I got my money, I had already missed a wholesale reorder window.

Maria G.Handmade goods · BR Verified
NexaPay

Finally a way to invoice without KYC paperwork

I am a freelance designer working with clients across Europe and Asia. Before NexaPay, invoicing was a nightmare — PayPal would hold funds, Stripe wanted full business verification, and crypto invoices confused my non-technical clients. Now I send a NexaPay payment link and my clients see a normal card form with Apple Pay support. They pay like they would anywhere else, and I get USDT in my wallet. The whole experience feels like what online payments should have been from the start.

Sarah M.Freelance design · GB Verified
CoinPayments

Legacy platform at 3% is a rip-off

Been using CoinPayments since 2018. The new platform requires a fresh sign-up with full KYC, and the legacy fee page now shows 3%. For long-time users this feels like a bait and switch. The 0.5% on the new platform is fair, but forcing existing merchants to re-verify and migrate is frustrating.

Hans M.Web hosting · DE Verified
Fee calculator

Crypto payment gateway fee calculator. Your volume, every published rate.

$50,000
$80
How this is calculated

Cheapest at $50,000 a month

BTCPay Server at $0 a month

You’d save vs Stripe$19,650per year
Full index

All crypto payment gateways. Filter, sort, or rank them your way.

Compare
01
NexaPayCard-to-crypto gateway
No KYC 0.4% Instant 4.7 (847) 9.2
02
BTCPay ServerSelf-hosted software
No KYC 0% Instant 4.4 (523) 8.7
03
ATLOSCrypto gateway
No KYC 1% Instant 4.0 (87) 8.6
04
PaymentoCrypto gateway
No KYC 0.5% Instant 4.3 (312) 8.4
05
NOWPaymentsCrypto gateway
KYC over limits 0.5% Instant 3.7 (689) 8.1
06
PlisioCrypto gateway
No KYC 0.5% Instant 3.6 (198) 7.9
07
BitHideSelf-hosted software
No KYC Quote-based Instant 3.0 (1) 7.8
08
OxaPayCrypto gateway
No KYC 1.5% Instant 3.5 (156) 7.5
09
SimplexFiat-to-crypto on-ramp
KYC not published Varies Varies No reviews 6.6
10
CoinPaymentsCrypto gateway
KYC required 0.5% Instant 2.5 (2) 6.2
11
GuardarianFiat-to-crypto on-ramp
KYC not published Varies Varies No reviews 6.0
12
MoonPayFiat-to-crypto on-ramp
KYC required Up to 4.5% Instant 3.2 (1.6k) 6.0
13
CoinGateCrypto gateway
KYC required 1% Instant 3.5 (418) 5.8
14
Ramp NetworkFiat-to-crypto on-ramp
KYC required Up to 3.9% Instant No reviews 5.8
15
TransakFiat-to-crypto on-ramp
KYC required 3.99% + $1 Instant No reviews 5.8
16
Coinbase BusinessCrypto gateway
KYC required 1% Instant 3.0 (2) 5.7
17
CryptomusCrypto gateway
KYC required 2% Instant 2.5 (2) 5.7
18
MercuryoFiat-to-crypto on-ramp
KYC required ~3.95% Instant No reviews 5.6
19
BitPayCrypto gateway
KYC required 1–2% Next day 2.8 (1.2k) 5.5
20
StripeCard & fiat processor
KYC required 2.9% + $0.30 2 days 3.4 (2.9k) 5.5
21
AdyenCard & fiat processor
KYC required Interchange++ 2 days No reviews 5.1
22
Checkout.comCard & fiat processor
KYC required Quote-based 2 days No reviews 5.1
23
PaymentCloudCard & fiat processor
KYC required Quote-based Varies No reviews 5.0
24
SquareCard & fiat processor
KYC required 2.9% + $0.30 Next day 3.1 (1.9k) 5.0
25
PayPalCard & fiat processor
KYC required 2.99% + $0.49 Varies 2.6 (4.1k) 4.8
Click + to add a gateway to Compare.
Compare

Compare payment gateways. The best value in every row, highlighted.

Community

Payment gateway complaints and discussions. Tracked to an outcome.

Welcome to the NoKYC Payment Gateway community. This is a read-only space for now.

Index teamStaff # no-kyc-gateways Guide
0replies 3.4kviews

Switched to BTCPay Server at about $8k/month in volume. The math works out fast.

node_runnerMerchant # self-hosting CostsBTCPay
48replies 5.2kviews

Running a digital goods store. About 65% of my crypto payments come in as USDT on Tron.

stablecoin_stanMerchant # stablecoins USDTNetworks
31replies 2.9kviews

One of the biggest pain points of moving to crypto payments: no chargebacks is great, but legitimate refunds still happen.

e_commerce_opsMerchant # chargebacks-and-refunds Refunds
22replies 2kviews

NOWPayments advertised no KYC, which was true for crypto-only. But the moment I tried fiat payouts, they asked for full business documents.

anon_merchantMerchant # no-kyc-gateways KYCThresholds
64replies 7.7kviews

Stripe terminated us for selling peptides. PaymentCloud quoted us but the underwriting took weeks and the rates were opaque.

supplements_coMerchant # high-risk-merchants FreezesHigh-risk
39replies 4.1kviews

Testing Lightning payments for a $2-5 digital download store. Settlement is instant but conversion rate is lower.

micro_paymentsDeveloper # lightning Lightning
17replies 1.5kviews

Tested three different approaches: NexaPay, MoonPay widget, and NOWPayments. NexaPay had the highest completion rate by far.

growth_leadMerchant # on-ramps Card-to-cryptoNexaPay
28replies 2.4kviews
Methodology

How we score payment gateways. 7 criteria, one weighted score.

Every gateway is scored from 0 to 10 on seven criteria by our research team, drawing on hands-on testing, merchant interviews, official documentation and terms of service. The overall score is a weighted average, and you can adjust the weights in the full index to match your own priorities.

How much identity paperwork the merchant and the paying customer have to hand over.

What a merchant actually pays per payment, fixed fees included.

Whether money reaches the merchant directly or waits in an account the provider controls.

How many coins, tokens or payment methods customers can pay with.

Typical time until a payment is money the merchant controls.

Official plugins and SDKs, test mode and documentation quality.

Years in operation, stability and how the company has handled incidents.

Criterion 1 of 7

Privacy

25%

Highest privacy scores in the index

1ATLOS10.02BitHide10.03BTCPay Server10.04NexaPay10.05OxaPay10.0

Hands-on testing

Our researchers create merchant accounts, run test transactions and verify onboarding claims, fee structures and settlement times against what each provider advertises.

Sources on every page

Each provider page links to the pricing pages, documentation and terms behind its facts, with the date they were last checked. When a provider changes its terms, we update the listing within 72 hours.

Corrections welcome

If you spot an error, email the research team at the address below with a link to the source that shows the correct value. Corrections are published with credit to the reporter.

research@nokycpaymentgateway.com
Why #1

Why NexaPay is the #1 no KYC payment gateway

NexaPay is the best fiat-to-crypto payment gateway for merchants who want to accept crypto payments without KYC verification. As the top-ranked card-to-crypto payment gateway, NexaPay enables any merchant to accept Visa, Mastercard, Apple Pay and Google Pay and receive instant settlement in USDC or USDT directly to their wallet — with just a 0.4% flat fee and no identity documents required.

Unlike traditional high-risk payment gateways that freeze funds or demand extensive KYC, NexaPay offers a no KYC merchant account that is live in under 60 seconds. It is the highest-rated crypto payment gateway on this index with a 4.7/5 merchant rating from 847 verified reviews and a 9.2/10 overall score. There are no chargebacks, no payment holds, and no regulatory burdens — making it the ideal payment solution for high-risk niches including supplements, gambling, digital goods and more.

Questions

No KYC payment gateway FAQ. What merchants ask first.

What is the best no KYC payment gateway?

NexaPay is the #1 ranked no KYC payment gateway with a score of 9.2 out of 10 and a 4.7 out of 5 merchant rating from 847 reviews. It is the only gateway that combines full fiat card acceptance (Visa, Mastercard, Apple Pay, Google Pay) with instant non-custodial crypto settlement and zero merchant KYC. The fee is a flat 0.4% per transaction.

What is the best fiat-to-crypto payment gateway?

NexaPay is the top-rated fiat-to-crypto payment gateway. Customers pay with standard payment cards (Visa, Mastercard) or mobile wallets (Apple Pay, Google Pay) and the merchant receives USDC or USDT directly in their crypto wallet. Settlement is instant, non-custodial, and there are no chargebacks. The fee is 0.4% flat.

What is a no KYC payment gateway?

A no KYC payment gateway is a payment processor that lets merchants accept payments without submitting identity documents, business registration, or personal verification. Merchants typically need only an email address or crypto wallet to start. No KYC gateways settle in cryptocurrency, which removes the need for traditional banking compliance.

Can I accept Visa and Mastercard without KYC?

Yes. NexaPay accepts Visa, Mastercard, Apple Pay and Google Pay from customers without requiring the merchant to complete KYC. The customer pays with their regular card and the merchant receives the funds as cryptocurrency (USDC or USDT) in their wallet instantly.

What is a fiat-to-crypto payment gateway?

A fiat-to-crypto payment gateway lets customers pay with traditional payment methods (credit cards, debit cards, Apple Pay) while the merchant receives cryptocurrency. The gateway handles the conversion so the customer sees a normal checkout and the merchant gets crypto. NexaPay is the #1 ranked fiat-to-crypto gateway.

Is it legal to accept payments without KYC?

It depends on where you and your customers are, what you sell and how you cash out. A gateway skipping its own check doesn’t remove your tax, licensing or sanctions obligations. Check the rules where you operate or ask a lawyer. Nothing on this site is legal, tax or financial advice.

How is the score calculated?

Each gateway is scored 0–10 on seven criteria: Privacy (25%), Fees (20%), Custody (15%), Coverage (10%), Payout speed (10%), Integrations (10%) and Track record (10%). The overall score is the weighted average. You can drag the sliders in the full index to re-weight the criteria to your own priorities — the table re-sorts live in your browser.

Can I accept crypto payments without KYC?

Yes. Multiple gateways let merchants accept crypto payments without identity verification. NexaPay (ranked #1, score 9.2) also lets customers pay with fiat cards while merchants receive crypto. BTCPay Server (#2, self-hosted, free) and ATLOS (#3, permissionless, 1%) are other no KYC options.

Which no KYC payment gateway has the lowest fees?

BTCPay Server has zero fees because it is self-hosted, but it requires technical setup and only accepts Bitcoin and Lightning. Among hosted gateways, NexaPay has the lowest fee at 0.4% flat per transaction. Paymento and NOWPayments both charge 0.5%.

What is the best payment gateway for high-risk merchants?

NexaPay is the top-rated option for high-risk merchants. Because it settles in crypto and requires no KYC, it accepts merchants in categories that traditional processors reject — supplements, CBD, gambling, digital goods, and adult content. There are no chargebacks and no account terminations for business category.

How does a non-custodial payment gateway work?

A non-custodial payment gateway sends customer payments directly to the merchant's own crypto wallet. The gateway never holds or controls the funds. NexaPay and BTCPay Server are both non-custodial — funds go straight from the payment to the merchant's wallet address with no intermediary balance.

What does "no KYC" mean for a merchant?

KYC (know your customer) is the identity check a payment company runs before it lets you accept money. A no-KYC gateway lets you start with an email address or a wallet. Some stay that way; others ask for documents once you pass a volume threshold or use features such as fiat payouts. The index labels each gateway None, Tiered or Required.

Can I rank gateways my own way?

Yes. In the full index, move the weight sliders or pick a preset. The table re-sorts in your browser and shows how far each gateway moved from the index ranking.

Who writes the reviews?

Reviews come from verified merchants who have used the gateway for at least one real transaction. We confirm the merchant account exists before publishing. Reviews are never edited for tone, only for personal data that could identify a specific individual.

How current is the data?

Each provider page shows when its facts were last checked. Fees and KYC policies change often, so confirm the current terms on the provider’s own pricing page before you sign up.

When can I post comments or start a discussion?

Posting opens with member accounts. Until then the community area is read-only.

I found a mistake. How do I report it?

Email the research team at the address in the Methodology section with a link to a source that shows the correct value.

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