OxaPay vs NoHoldPay

No-KYC that survives a policy change

NoHoldPay's version of no-KYC is a consequence, not a promise. Payment addresses derive from wallet material you connect at signup, an extended public key, account addresses, a Monero view key, so revenue lands under your keys with nothing held on our side to gate. There is no verification tier that unlocks at volume because volume never changes what we hold: nothing. The fee comes out of prepaid credit at 0.5%, the ledger itemizes any network cost we broadcast at cost, and the downloadable Recovery Kit re-derives every forwarder address without our servers. If our policy changed tomorrow, your past revenue would not notice, because none of it is here.

OxaPay's no-KYC signup is real, their help center commits to it in writing, and we do not dispute it. It coexists with a held balance the platform screens at its discretion, and public reviews include a merchant describing a hold resolved after an anti-money-laundering clarification. Screening a balance it holds is what any balance-holder does. The distinction is what enforces the promise: theirs is policy, ours is the absence of anything to screen.

One API parameter, read aloud

OxaPay's invoice API takes a parameter called auto_withdrawal, and their documentation describes its two values. Off, the paid amount, in their words, will be credited to your OxaPay balance. On, funds are sent onward to your saved address, a flow their own blog describes as moving from their payment gateway to a predetermined external address. Either way, the customer pays their system first, and the parameter decides what happens second. NoHoldPay has no such parameter because there is no such choice: the address your customer pays is yours either way, derived from your material or compiled with your treasury as its only destination. When one product's custody story is a configuration flag and the other's is an architecture, that is the comparison.

Switching from OxaPay

Withdraw your balance there, sign up here with an email, connect wallets, and swap the integration. If your store is on WooCommerce or OpenCart, our plugins replace theirs directly. Stores on their other eleven platforms will need the hosted checkout via API instead. That is a real cost of switching, and it belongs in your decision. Both products are no-KYC, so neither side of the migration has a verification queue, and running the two in parallel while you compare is straightforward. The $50 credit covers roughly your first $10,000 here while you do.

Where OxaPay is the better fit

The Telegram economy is theirs: TON-ecosystem tokens like NOT and DOGS that we do not route, a hosted wallet with zero setup, auto-convert toward USDT, a payout API, and that thirteen-platform plugin catalog. A merchant living inside Telegram commerce, or one whose store runs on Blesta or WISECP, gets tooling from OxaPay that we do not offer, and a negotiated rate there can undercut our flat one at volume.

Common questions

What does OxaPay offer that NoHoldPay does not?

A hosted wallet requiring zero setup, auto-convert toward USDT, a payout and mass-payout API, TON-ecosystem tokens like NOT and DOGS, and plugins for thirteen platforms including Magento, PrestaShop, and WHMCS against our two. Merchants wanting an all-in-one hosted product will find more of one there.

Is OxaPay custodial?

Their API documentation describes the default flow crediting payments to your OxaPay balance, and auto-withdrawal as a forward from their gateway to your saved address. We quote their mechanics rather than applying a label. The operational point is where funds land first, and in both of their modes that is OxaPay's system.

Is OxaPay cheaper than NoHoldPay?

Compare your actual quote. OxaPay's listed merchant rates run 1.5 to 2 percent with a fixed fee on static addresses, above our flat rate, but their page says fees can be negotiated to 0.4 percent, below it. Add their per-withdrawal network fees if you sweep the balance often, against no withdrawal cost here.

Who operates each platform?

We could not locate a first-party page naming OxaPay's operating legal entity or regulator as of August 2026, and we report that as a research result while drawing no conclusion from it. NoHoldPay's terms and policies are published on our legal pages.