A crypto payment gateway that never holds your money

How do you know a gateway is actually non-custodial?

Ask two questions. Who controls the address your customer pays, and where does that address forward? Nearly every crypto processor, custodial or not, hands the customer a fresh deposit address for each payment. A unique address proves nothing by itself. What separates the models is the destination behind it.

At a custodial processor, the per-payment address belongs to the platform. The payment is credited to an internal balance, and reaching your own wallet takes a second step: a withdrawal or a scheduled settlement, often with its own fee and its own network cost, and always subject to the platform staying solvent and willing. Several large processors describe this openly in their terms, down to pooled omnibus wallets shared across customers.

NoHoldPay works the other way around. You connect wallet material you already control when you create an account. From then on, every payment address is derived from it. We watch the chain, match the payment to the right invoice, and fire a signed webhook when it confirms. The money never routes through us, which is also why signing up asks for an email address and a wallet, and not for your passport.

Where does the money actually land?

It depends on the chain family, because we avoid intermediate hops wherever the chain design allows a payment to reach your wallet directly.

When we do broadcast a transaction on your behalf, sweeping a forwarder or relaying a gasless payment, the network cost appears on your credit ledger as its own line item. We charge exactly what the network charged us. Reaching money that is already yours costs nothing extra.

What does it cost?

0.5% per confirmed payment. That is the whole fee schedule: no fixed per-payment fee, no monthly minimum, no setup fee, and no payout fee, because there is no payout. Network costs pass through at cost when we broadcast on your behalf, as described above. The fee comes out of a prepaid credit balance you top up separately, so your customer's payment arrives whole. New accounts start with $50 of live credit, which covers roughly your first $10,000 of processed volume before you pay anything.

What can NoHoldPay never do with your funds?

The design goal is that our worst failure mode is failing to act. We cannot redirect a payment, because destinations are derived from your keys or welded into contract bytecode. We cannot freeze your revenue, because none of it sits with us. The only balance we do hold is the small fee credit you prepay deliberately. Force-converting your crypto into another asset is equally out of reach, a step some custodial processors have taken across every customer at once when regulation changed under them. And if NoHoldPay disappeared tomorrow, the Recovery Kit you can download today re-derives every per-payment forwarder address you have ever been assigned and sweeps those funds with a standalone tool that talks straight to the chain. Funds on the other chain families already sit in wallets you control.

The trade-offs: we settle crypto only, so there is no built-in conversion to bank money. A refund is a transfer you send from your own wallet. We hold nothing to send back. And Bitcoin Lightning is not shipped. If you need fiat settlement or Lightning today, a regulated custodial processor is the better fit, and our comparison pages say so per provider.

Which chains and coins can you accept?

14 mainnet chains and 33 coin routes are live right now, including Bitcoin, Ethereum, Solana, TRON, XRP, Stellar, TON, and Monero, with stablecoins on every network that carries them. The accepted coins directory lists each one with its live confirmation rule, and gasless stablecoin payments are covered on their own page.

Common questions

Is NoHoldPay really non-custodial, or just marketed that way?

Payment addresses are derived from wallet material you supply: an extended public key, your own account address, or a forwarder contract with your treasury fixed in its bytecode. There is no platform balance and no withdrawal step, and a downloadable Recovery Kit re-derives every address without our servers. That is checkable, not a label.

If funds never touch the platform, what is the fee charged on?

The fee is deducted from a prepaid credit balance you top up in advance. When a payment confirms, we subtract the percentage fee from that credit. The customer's payment itself is never reduced, held, or routed through us.

What happens to my funds if NoHoldPay shuts down?

Nothing. Funds from past payments already sit in wallets you control. For per-payment forwarder addresses on the contract chains, the Recovery Kit plus its offline command-line tool re-derives every forwarder from your recorded wallet material and broadcasts sweeps with your own keys and your own gas, with no NoHoldPay server involved.

Why does non-custodial mean no KYC on the platform?

Because we never take possession of customer funds, the custody-based trigger for platform-side identity collection is absent by design. Rules differ by jurisdiction, and we describe the architecture rather than asserting a legal classification. Your own obligations to your customers stay yours. The no-KYC gateway page covers exactly what signup asks for and what it never will.

Do you support chargebacks or payment reversals?

No. On-chain payments are final once confirmed, which is the property many merchants come for. If you want to refund a customer, you send the refund from your own wallet and record it against the payment in the dashboard.