Accept crypto payments without identity documents

What does signing up actually involve?

Your customers see the same policy at checkout. They pay an address and are done. Some processors require the paying customer to create an account and verify their identity before an invoice can even be paid. Here the checkout page asks your customer for nothing at all.

Why can NoHoldPay skip KYC when other gateways cannot?

Platform-side identity collection follows from custody. A processor that receives customer funds into its own wallets and credits merchants from an internal ledger is holding other people's money, and in the United States that activity is what pulls a business into money-transmitter territory, with the registration and customer-identification duties that come with it. Regulators elsewhere draw the line differently: the EU's MiCA framework, for example, defines its own categories of crypto-asset services, so this page states the reasoning rather than a blanket legal promise for every country.

NoHoldPay's role is narrower than a transmitter's. Payments settle to addresses derived from your wallet material, and the platform's own fee is prepaid by you. We watch chains and send webhooks. Because no customer funds ever sit with us, the trigger for platform-side KYC is absent by architecture, and it stays absent at any volume. There is no threshold at which your money appears on our books, because it never does. The full mechanics are on the non-custodial gateway page.

Structural no-KYC versus revocable no-KYC

Other gateways also advertise signup without documents, and for several of them that is verifiably true. Read their terms before relying on it. Where the platform holds your revenue in an internal balance, the same terms typically reserve the right to request documents at any time, to suspend the account while you comply, and to hold the balance in the meantime. The no-KYC promise is real until the day it is revoked, and on that day their hold on your money is what enforces the new terms.

A non-custodial design removes that hold. That removal is the whole difference. Suppose NoHoldPay changed its policy tomorrow. The funds from every payment you have accepted would already be in your wallets, out of reach of the new policy. A structural guarantee survives a management change. A promise does not have to.

What no-KYC does not mean

No platform KYC is a statement about what we collect, and nothing more. Your own legal obligations are unchanged: a business that must identify its customers under local law still must, invoices and tax records stay your responsibility, and sanctions law binds you regardless of payment rail. We also enforce an acceptable-use policy and decline categories we will not serve. If your interest in a no-KYC gateway is evading obligations that genuinely apply to your business, this is the wrong product. If it is keeping settlement control and skipping a week of onboarding paperwork a platform never needed from you in the first place, it is the right one.

What does a no-KYC gateway cost?

The fee is 0.5% per confirmed payment, prepaid. New accounts get $50 of live credit automatically, roughly your first $10,000 of volume. Chargebacks do not exist on-chain, settlement is to your own wallets, and the checkout ships as a hosted page, WooCommerce plugin, OpenCart plugin, or API.

Common questions

Is a no-KYC crypto payment gateway legal to use?

Using a non-custodial gateway is not itself restricted in most places. Platform-side identity collection generally follows from holding other people's funds, which NoHoldPay structurally does not do. Rules differ by jurisdiction, and your own duties as a business, including any customer identification your industry or country requires, remain yours whichever gateway you use.

Will NoHoldPay ask for documents once my volume grows?

No. There is no volume threshold that changes what we collect, because volume never changes what we hold. Your funds settle to your wallets at every size. The prepaid fee credit is the only money of yours we touch, and you fund it deliberately.

Do my customers have to verify their identity to pay?

No. The checkout asks your customer for nothing. They scan a QR code or connect a wallet, send the exact amount, and the payment confirms on-chain. Processors that make paying customers open verified accounts add a drop-off step we deliberately do not have.

How is this different from other no-KYC gateways?

Several competitors also offer document-free signup, but hold your revenue in a platform balance and reserve the right to demand documents later while the balance waits. NoHoldPay has no revenue balance to hold. The no-KYC property comes from the custody design itself. A policy can be rewritten, and the design cannot.

Does no-KYC mean anonymous?

Not quite. We know your email address and your receiving wallets, on-chain payments are public by nature, and your legal obligations to your own customers still apply. What we skip is platform-side identity verification: the documents, the review queue, and the account freezes that come with them.