Plisio vs NoHoldPay

The half percent that only happens once

NoHoldPay never generates an address it controls. You hand over wallet material when you sign up: an extended public key for Bitcoin-family chains, a treasury address for Ethereum, TRON, and Solana, your own account on XRP, Stellar, and TON, and a private view key for Monero. Every invoice derives its payment address from that material. On the forwarder chains the per-payment contract is compiled with your treasury baked in, so the funds have exactly one place they can go, and it is yours. The dashboard has no balance screen because there is no balance.

The fee side is a meter you prepay. Each confirmed payment deducts 0.5% from your credit, with no fixed component and no per-payment minimum on any route. Nothing is skimmed from the transfer itself. And because there is no withdrawal step, there is nothing left to charge a second fee on: no cash-out percentage, no per-coin floor, no idle-balance clause. The current list of chains and coin routes is read live on this site rather than printed here, since it changes.

Two extras follow from the model. On eligible EVM stablecoin routes and on Solana, gasless checkout lets a customer pay from a wallet holding no gas token at all, with our relay covering the network fee. And the downloadable Recovery Kit, paired with an offline command-line tool, re-derives every address you were ever assigned, so your funds stay reachable even if NoHoldPay disappears tomorrow.

A May 2026 label beside a March 2019 document

Plisio's own buyer's guide, published in May 2026, lists Plisio as non-custodial. We are not going to argue with the label. We are going to put it next to their other pages, all read on 5 August 2026, and let you weigh them. Their Terms of Use, which the site dates 12 March 2019, say the service lets you store crypto "using our service wallets", reserve the right to "freeze your account in case of a request from state regulatory authorities", and permit moving funds from accounts idle for 180 days into a Plisio "Cold Storage" account. Their security page states that 90% of all funds are stored in cold wallets. Their API returns "your cryptocurrency balance" from a balance endpoint, and reaching an external address is a separate cash_out call at 0.5%.

One more thing we looked for and could not locate: the name of the operating company. The terms identify no legal entity and no jurisdiction, and the linked document has not been updated since March 2019. If the mechanics above describe a non-custodial gateway to you, the label stands. If they do not, you have your answer.

Switching from Plisio

Both sides ship WooCommerce and OpenCart plugins, so for many stores the move is a plugin swap: create an account with an email, add the wallets you want paid, install our plugin, and re-point the webhook. Stores on one of Plisio's other seventeen integrations, Magento or PrestaShop or WHMCS among them, will integrate against our API instead, which comes down to one create-payment call and one webhook consumer. Nothing stops you running both gateways in parallel and comparing real payments before you commit. The $50 signup credit covers roughly your first $10,000 of processed volume, so the trial period costs nothing. One practical note before you switch anything off: withdraw whatever balance you hold at Plisio first, since their published rate for that cash-out is 0.5%.

Where Plisio is the better fit

Integrations, mostly. Plisio lists more than nineteen platform plugins, including Magento, PrestaShop, WHMCS, Ecwid, and BigCommerce, plus donation widgets aimed at streamers, against our WooCommerce and OpenCart pair. They also carry ZEC, DASH, and ETC, which we do not, offer mass payouts pooling up to 1,000 transfers per broadcast, and bundle a free personal wallet app and a white-label checkout. A merchant who wants the platform to hold a spendable balance, for paying suppliers straight out of revenue, is choosing that model deliberately, and Plisio provides it at a low headline rate.

Common questions

Is Plisio custodial or non-custodial?

Their May 2026 guide says non-custodial. Their Terms of Use describe storing crypto using Plisio service wallets, their security page puts 90% of funds in Plisio cold wallets, and reaching your own address is a separate 0.5% cash-out call from a balance. This page quotes rather than classifies. Read the mechanics and decide which word fits.

Is Plisio cheaper than NoHoldPay?

Plisio's headline rate is 0.5% on their Gateway API plan, and ours is 0.5%, rendered live from the platform. The differences sit past the headline. Plisio charges a further 0.5% to cash out of the balance, ETH-network USDT and USDC carry a $0.50 minimum fee per payment, and White Label checkout runs 1.5%.

Does Plisio require KYC to sign up?

No, and their homepage says no proof of identity is needed. Their terms do reserve conditional powers: Plisio may require you to identify yourself in certain circumstances and may freeze an account on a request from state regulatory authorities. NoHoldPay asks for an email and wallet material, with no identity step at any volume.

Can I accept Monero on either gateway?

Both list Monero. Plisio carries XMR as one of its twelve chains, received into the same balance flow as everything else. NoHoldPay watches your own Monero wallet through a private view key you supply, so the platform can observe incoming payments and never gains the ability to move them. Your spend key stays with you.

What does Plisio offer that NoHoldPay does not?

A much longer integrations list, nineteen-plus platforms including Magento, PrestaShop, WHMCS, Ecwid, and BigCommerce, against our two plugins. Also ZEC, DASH, and ETC, mass payouts pooling up to 1,000 transfers, a free personal wallet app, white-label checkout, and donation widgets for streamers. If one of those decides it for your store, they earn the pick.