Confirmo vs NoHoldPay

Revenue that stays in the asset it arrived in

NoHoldPay never sits between your customer and your wallet. At signup you hand over watching material only: an extended public key for Bitcoin-family chains, a treasury address that gets compiled into per-payment forwarder contracts on Ethereum, TRON, and Solana, your own account plus a per-invoice reference on XRP, Stellar, and TON, and a Monero view key you share for watching alone. Each invoice derives its own payment address from that material, we match the transfer on-chain, and we fire a signed webhook. The funds are in your custody from the first confirmation. There is no balance to settle, so there is nothing for a clock to convert. Coverage in the table above reads from the live platform, and it includes coins Confirmo does not carry at all, starting with Monero.

Pricing is one number. You prepay a small credit and each confirmed payment deducts 0.5% of its value, with no fixed fee. The amount your customer is quoted is the market rate, with no spread built in. Your customer pays no added network fee either, and on eligible EVM stablecoin routes and Solana the gasless checkout has our relay cover the network fee outright, so a customer holding only USDC can pay with an empty gas tank. Confirmo's stack runs the other direction: 0.8 percent invoicing, an FX spread embedded in the customer price, and a network fee added to every invoice that their commercial policy describes as estimated dynamically, including their risk margin.

The model also survives us. Your Recovery Kit re-derives every forwarder address ever assigned to you, and the offline CLI can sweep them with NoHoldPay switched off entirely. That property has no equivalent in a ledger-balance design, where settlement runs through the platform by definition. The $50 signup credit covers roughly your first $10,000 of processed volume, against no published free tier anywhere in Confirmo's fee schedule.

What happens at 22:00 on the second business day

Here is one payment's path through Confirmo, assembled from their EU terms and commercial policy, read 5 August 2026. Your customer pays a unique deposit address generated for the invoice. The received crypto lands in wallets their terms call Confirmo self-custody wallets, poolable as omnibus wallets held on trust. On confirmation Confirmo, acting as a principal in their words, buys the received crypto-asset from you and credits a balance in your chosen settlement asset. You reach the money through daily settlement to a pre-verified bank account or external wallet. And if a crypto balance is still sitting there at 22:00 at the end of the second business day, their terms say it is automatically exchanged into a euro fiat balance, executed between 23:00 and 23:15, at their spread-adjusted customer price.

Two things deserve to be held apart here. Fund safety is settled in their favour: the same terms hold client assets on trust, segregated, and excluded from the insolvency estate under Irish law, with the Central Bank of Ireland supervising. The terms also state Confirmo is not authorised to offer custody services for crypto-assets and holds client assets solely for its transfer and exchange services. Read together, the clauses describe a pipeline whose end product is a settled balance, on a deadline. A merchant whose plan is to hold ETH as ETH or USDT as USDT is asking that pipeline for the one thing it is designed to move past.

Switching from Confirmo

Run your final daily settlement first, which their fee schedule prices at zero percent processing, so nothing is left on the balance when you leave. The move itself is small: sign up with an email, add the wallets you want paid, and re-point the integration. Both gateways document WooCommerce, so most stores swap one plugin for the other and update the webhook, and we ship OpenCart as well. API integrations replace one create-invoice call and one webhook consumer. There is no approval queue on this side, no business documents, and no business-only restriction, so sole traders and individuals who never got through Confirmo's onboarding can start the same afternoon. The $50 signup credit means roughly your first $10,000 of volume processes free while you compare real payments side by side.

Where Confirmo is the better fit

A business that wants euros in the bank chooses Confirmo and is right to. They settle to bank accounts, guarantee the exchange rate at invoice time so you are credited the exact quoted amount, support Bitcoin Lightning, and run recurring stablecoin billing through their Subscribe product. NoHoldPay does none of those things. A compliance team that wants a regulated counterparty also gets an unusually well-papered one: Confirmo Limited holds both a MiCA CASP authorisation and a payment institution licence from the Central Bank of Ireland, with client assets on trust and segregated. If the deliverable is fiat, or the requirement is a supervised institution on the other side of the contract, this comparison ends in their favour.

Common questions

Can I keep the crypto I accept through Confirmo?

Only briefly. Payments credit a balance in your chosen settlement asset, and Confirmo's EU terms state that any crypto balance not settled out by the end of the second business day is automatically exchanged into euros, executed the same evening at their spread-adjusted price. Merchants who want to hold coins long term need payments landing in a wallet they control instead.

Is Confirmo custodial?

Their terms resist a one-word answer, so this page quotes rather than rules. The terms state Confirmo is not authorised to offer custody services and holds client assets solely for transfer and exchange, while also describing receipt into Confirmo self-custody wallets, omnibus pooling on trust, and a ledger balance. Operationally, funds land under Confirmo's control first and reach you through settlement. Judge the label from the mechanics.

Is Confirmo cheaper than NoHoldPay?

Their published invoicing fee is 0.8 percent, and two further costs sit around it: an FX spread embedded in the customer price, and a per-invoice network fee their policy says is estimated dynamically including a risk margin, paid by your customer. Our flat rate is shown live in the table above, with no spread and nothing added on the customer side. Price the whole invoice, both sides of it.

Can a sole trader or individual use Confirmo in the EU?

Confirmo's EU terms are business-only. Services are not provided to private individuals, and natural persons may register only as sole proprietors or freelancers acting in trade, after full verification covering business documents, beneficial owners, and source of funds. NoHoldPay has no identity step at any volume, so individuals and unregistered sellers can accept their first payment the same day.

What does Confirmo offer that NoHoldPay does not?

Fiat settlement in euros with the rate guaranteed at invoice time, Bitcoin Lightning, recurring stablecoin billing through their Subscribe product, payouts fundable from fiat, and a dual-licensed counterparty supervised by the Central Bank of Ireland holding client assets on trust. A merchant whose end goal is bank money from a regulated institution should pick Confirmo without a second thought.