Blockonomics vs NoHoldPay

Extending the xpub idea past Bitcoin

If you have used Blockonomics, the Bitcoin half of NoHoldPay will feel familiar. You link an extended public key, each invoice derives a fresh address from it, and the payment confirms straight into your wallet. We watch the chain, match the transaction, and fire a signed webhook. The platform never holds a key and never holds a balance.

The rest of the platform applies that same rule to chains an xpub cannot reach. On Ethereum, TRON, and Solana, each payment gets its own forwarder contract with your treasury address locked in at derivation, so funds can only ever move to you. On XRP, Stellar, and TON, customers pay your own account with a per-payment reference. For Monero you share a view key, we observe incoming payments, and the spend key never leaves your hands. Different mechanics per family, one property throughout: the money lands where you control it.

Fees follow the model. You prepay a small credit and each confirmed payment debits 0.5% from it, with no fixed fee on any route. The $50 signup credit covers roughly your first $10,000 of processed volume, a longer runway than ten free transactions. The amount your customer sends arrives whole, and when we broadcast on your behalf the network cost appears on your ledger at what the chain charged.

Independence survives the extra chains, too. The downloadable Recovery Kit and its offline CLI re-derive every address you have ever been assigned, forwarder contracts included, so a hardware-wallet merchant keeps the same self-reliance a raw xpub gives them on Bitcoin.

The quote we agree with, and the gas bill after it

Blockonomics' privacy policy states, in capital letters, that it does not hold your digital tokens or digital assets. Its help center goes further: "we do not and most importantly cannot stop transactions". Both read 5 August 2026, and both are accurate. That is the strongest custody language of any gateway on our comparison list, and this is the one page in the series where we quote a competitor's documents in full agreement.

The pressure point in their model shows up when a customer reaches for stablecoins. Blockonomics carries USDT as an ERC-20 token on Ethereum mainnet, and that is its only stablecoin rail. The customer needs two assets to finish one purchase: the USDT on the invoice and enough mainnet ETH for gas. A buyer holding only the stablecoin cannot pay. On NoHoldPay's eligible EVM routes and on Solana, gasless checkout has the relay cover the network fee, so that same buyer completes the purchase with nothing else in the wallet.

Behind the gas question sits the coverage one. Blockonomics lists three assets on three networks. NoHoldPay settles Solana, TRON, XRP, Stellar, Monero, and TON payments the same direct-to-wallet way, alongside the Bitcoin family and the EVM chains, with the full list read live from the platform.

Switching from Blockonomics

Bring the wallet you already linked. The same xpub that derives your Blockonomics addresses derives your NoHoldPay addresses on Bitcoin-family chains, so nothing about your key handling changes. Add treasury addresses for any new chains you want to accept, install the WooCommerce or OpenCart plugin or swap one create-payment call in an API integration, and re-point the webhook.

Stores on their wider integration list, Magento or PrestaShop or WHMCS, connect through the API or hosted payment links instead, since our plugin pair is narrower than their twenty. Running both gateways in parallel costs nothing and settles the comparison with your own traffic. The $50 credit processes roughly your first $10,000 free while you watch.

Where Blockonomics is the better fit

A Bitcoin-first store with no plans past BTC gives up little by staying. Blockonomics has run the direct-to-xpub model since 2015, its plugin shipped an update in August 2026, and its twenty-plus integrations cover corners of the WordPress economy we do not, WHMCS and Easy Digital Downloads among them. The first ten payments are free and the 1% flat fee is easy to reason about. If that describes your store, switching buys you a lower rate and chains you do not accept. Merchants who want stablecoins their customers can actually pay with, or any chain past the Bitcoin family, are the ones with a real decision to make.

Common questions

Is Blockonomics custodial or non-custodial?

Non-custodial, genuinely. Payments derive from your own linked xpub or address and land directly in your wallet, with no platform balance and no withdrawal step. Their terms state plainly that they do not hold digital assets. On custody, Blockonomics and NoHoldPay are equals, which is why this page compares fees, coverage, and gas instead.

What does Blockonomics have that NoHoldPay does not?

Integration breadth and years. They claim more than twenty integrations, including Magento, PrestaShop, WHMCS, Joomla, and Easy Digital Downloads, against our WooCommerce and OpenCart pair plus API. They have also run the xpub model since 2015. A store built on one of those platforms, accepting only Bitcoin, may reasonably stay put.

How do the fees compare?

Blockonomics charges a flat 1 percent with no fixed fee, and its first ten payments are free. NoHoldPay's flat rate is lower, renders live at the top of this page, and also carries no fixed fee. Our signup credit covers a slice of processed volume, so compare both against your average order size.

Can a customer pay USDT without holding ETH?

On Blockonomics, no. Its USDT support is ERC-20 on Ethereum mainnet only, so the payer needs mainnet ETH for gas on top of the USDT itself. NoHoldPay cannot make EVM USDT gasless either, since the token never implemented transfer authorizations, but Solana sponsored signing lets a customer pay SPL USDT with no SOL, and EVM gasless covers USDC on eligible routes.

Does either gateway offer Lightning?

Neither ships it. Blockonomics documents on-chain Bitcoin only, with no Lightning entry in its help center or plugins as of August 2026, and NoHoldPay has not shipped Lightning either. A merchant whose checkout depends on Lightning today should evaluate a processor that documents it first-party.