No-KYC Crypto Payment Gateways: 5 Options and Their Conditions

Comparison at a Glance

The gateways are ordered by how little you hand over to get started and who holds the money once a customer pays.

What "No KYC" Means Here

KYC (Know Your Customer) is the identity check a regulated financial business runs on its clients. For a merchant account it usually means ID for the owners plus business registration documents. A "no-KYC" gateway skips that step at onboarding. How far it goes depends on how the gateway is built:

• Software you run: BTCPay Server is open-source software, not a company account. There is nobody to send documents to.
• No account at all: ATLOS works from a connected wallet, and PayGate.to works from a wallet address you paste into its plugin or API. Neither asks for an email address.
• An account without ID: Paymento and Coinremitter ask you to register with an email address, but not to upload documents. Because they hold an account record, their terms decide whether they can ask for more later. Coinremitter's terms say it can.

Who holds the funds matters as much as the sign-up form. If a gateway never takes custody, it cannot freeze your balance. If it holds your balance, its terms govern when and how you can withdraw.

The Five Gateways

1. BTCPay Server: Self-Hosted, No Account, 0% Fee

BTCPay Server is free, MIT-licensed software that you run on your own server, or have a third-party host run for you. Its own description is "an open-source project, not a company". Payments go directly to your wallet, and its documentation says your private keys are never uploaded to the server, so a third-party host does not control your funds either. The project is actively maintained: its latest GitHub release when we checked was v2.4.4, published on 7 September 2026.

• KYC: None from the project. If you use a third-party host instead of your own server, that host's terms apply.
• Fee: 0% software fee. The deployment docs estimate about $10 a month for a one-click LunaNode install, and $10 to $70 a month on a VPS, depending on the provider.
• Coins: Bitcoin, including the Lightning Network, is the project's only core focus. Community-maintained, opt-in integrations add coins such as Litecoin, Monero, Dogecoin, Dash, Zcash, Liquid (with Liquid USDt) and USDt on Tron. Exchange plugins such as SideShift and Trocador let customers pay in other coins, which are converted into bitcoin. Those services charge your customers a fee.
• Integrations: WooCommerce, Shopify, Magento, PrestaShop, Drupal, WHMCS, OpenCart, Odoo, Wix, Ecwid and more, plus an API.
• Built in: Point-of-sale app, payment links, tipping buttons, crowdfunding, invoice exports, and payouts through pull payments, which you can use for refunds and salaries.
• Trade-off: You (or your host) maintain the server. Support comes from the open-source community, not a support desk.

Best for: Merchants who mainly want bitcoin and are willing to run, or rent, a server. See our BTCPay Server review and setup guide.

2. ATLOS: Connect a Wallet, No Email Required

ATLOS says "there is no account verification, email, or phone number required". You connect a web3 wallet and start. Payments run through smart contracts straight to your wallet, and ATLOS states it never takes custody, so it "cannot terminate your merchant account and cannot freeze your funds". The project describes itself as community-maintained and managed by ATLOS DAO.

• Fee: 1% per transaction, with no monthly, withdrawal or refund fees. ATLOS says fees can change depending on business risk, and that paying fees in its ATLOS token saves up to 50%.
• Networks (11): Bitcoin, Ethereum, Solana, BNB Smart Chain, Tron, Base, Arbitrum One, Polygon, Litecoin, Dogecoin and Monero. Stablecoins include USDC, USDT, DAI and PYUSD on selected chains.
• Integrations: WooCommerce, Shopify, WHMCS, Kajabi, an embeddable widget and a Telegram mini app.
• Extras: Recurring payments (daily, weekly, monthly or yearly pulls from the customer's wallet) and a Payouts API.
• Trade-off: ATLOS can only collect its fee on payments sent through its smart contract. If a fee goes uncollected, it adds that fee to a later payment, so a single payment's fee can be above 1%. For non-EVM chains such as Bitcoin and Monero, you add the wallet addresses or public keys yourself.

Best for: Merchants who want non-custodial payments across many chains, including subscriptions, without creating any account.

3. PayGate.to: No Sign-Up, Forwarding Model

PayGate.to requires no sign-up, no API keys and no KYC or KYB for merchants. You enter your wallet address in its WooCommerce plugin, WHMCS module or API call. Each order gets a unique receiving address, and received crypto is forwarded to your wallet. There is also a payment-link generator if you have no website.

• Fee: 1.5% flat plus blockchain fees for the crypto gateway. You choose whether you or the customer covers the blockchain fee.
• Coins: When we queried its public API on 6 October 2026, it listed 105 coin and network combinations across 21 networks. They included BTC, LTC, BCH, DOGE, ZEC, XMR, ETH, SOL, TRX and stablecoins on several chains.
• Custody: PayGate.to says it does not hold private keys and that custody sits with the third-party providers that run the wallet infrastructure. Funds pass through an address you do not control before they are forwarded. That is different from a direct-to-wallet gateway.
• Extras: Split payouts to up to 19 wallets per payment through the API, and a white-label option on your own domain.
• Trade-off: Each coin has a minimum. PayGate.to's documentation warns that amounts below it stay stuck in the receiving address because they do not cover the forwarding fee. It also runs a separate card gateway, where some card providers may ask your customers for ID.

Best for: WooCommerce or WHMCS merchants who want to go live in minutes with no account, and who accept the forwarding model and the higher fee.

4. Paymento: Non-Custodial Account, Crypto Instalments

Paymento describes itself as non-custodial and "KYC-free". Its getting-started guide asks you to create an account, complete email verification if required, and add wallet addresses or an xPub. It does not mention identity documents. You can receive straight into your own wallet, or into an "Embedded Wallet" store wallet that Paymento says only you can authorise and that you sweep to your own wallet when you choose.

• Fee: 0.5% per successful payment if you bring your own wallet. The Embedded Wallet costs 0.5% plus $0.20 per payment, plus a network fee when you settle. New accounts get $15 of free fee credit, which covers the first $3,000 of payments at 0.5%.
• Coins: USDC, USDT, Bitcoin, Litecoin, Dogecoin and more. Paymento says it supports over 4,000 assets across UTXO and account-based chains.
• Plugins: WooCommerce, OpenCart and WHMCS are available. Its plugin documentation lists Shopify, Magento and BigCommerce as in development.
• Extras: Buy now, pay later and instalment payments funded through DeFi lending protocols.
• Trade-off: You still create an account, so Paymento has an email address on file. Some chains ask the customer to connect a wallet when you use your own wallet.

Best for: Merchants who want a hosted dashboard and plugins while keeping custody of their funds.

5. Coinremitter: Lowest Headline Fee, but Custodial and Conditional

Coinremitter's FAQ says you do not have to submit ID or KYC to register. The sign-up form asks for your name, email address and password. Its terms of service go further than the FAQ, though:

• Registration information "includes but is not limited to" your full legal name, business legal name and registration details, and information on beneficial owners.
• Coinremitter "may obtain additional information from third-party sources, including credit bureaus and identity verification services".
• It can request documents "at any time" to check compliance. If you don't provide them, it can suspend or close your account.
• Daily and annual transaction limits depend on your plan and Coinremitter's risk assessment.
• Users must be at least 22. The service is not available to people or businesses in Singapore.

Coinremitter is also custodial. Its terms appoint it as your agent "for the purpose of receiving, holding, and disbursing" funds. Payments land in an internal wallet, and you withdraw to your own wallet manually or automatically.

• Fee: 0.23% processing fee, charged when you withdraw. Deposits are free. A fixed per-coin transaction fee also applies at withdrawal, for example 0.0001 BTC on Bitcoin.
• Coins (12): BTC, LTC, BCH, ETH, DOGE, DASH, BNB, TRX, ZANO, USDT (ERC-20 and TRC-20) and USDC (ERC-20).
• Plugins: WordPress (WooCommerce), Magento 2, PrestaShop, OpenCart and Laravel, plus PHP and Node.js libraries.
• Trade-off: The lowest percentage fee here, but your balance sits with the provider, and its terms allow it to ask for ID later.

Best for: Merchants who want the lowest percentage fee and accept custody risk and possible verification later. For a cost breakdown across gateways, see our fee comparison.

Removed From This List

XAIGATE was in an earlier version of this guide. On 6 October 2026 its website refused connections, so we could not check its current terms, fees or onboarding. We have removed it until we can.

Trade-Offs to Plan For

• No fiat settlement: All five pay out in crypto. Coinremitter's terms say outright that fiat settlement is not available. If you need euros or dollars in a bank account, you will need an exchange or off-ramp, which has its own verification rules. See fiat and crypto payment gateways for that route.
• Custody risk: With a custodial gateway, your balance depends on the provider staying online and keeping your account open. Coinremitter's terms, for example, allow it to suspend accounts that have been inactive for a year. With BTCPay Server, ATLOS or Paymento, the funds are already in wallets you control.
• Minimum amounts: Payments below a coin's minimum are not credited on Coinremitter and can be lost on PayGate.to. See minimum crypto payment amounts.
• Refunds are manual: On-chain crypto payments have no card-style chargeback, and Coinremitter's terms rule out refunds or chargebacks by the gateway. You send refunds yourself, for example through BTCPay Server's payouts. See how merchants handle crypto refunds.
• Less hand-holding: BTCPay Server is supported by its open-source community. The account-free gateways have no account manager by design.

Legal and Tax Points

Skipping identity checks at a gateway does not change what you owe or what licences you need. A few facts worth knowing:

• Tax: Crypto you receive as a business is generally taxable. In the US, for example, the IRS states that "income from digital assets is taxable". Keep a record of every payment whichever gateway you use.
• Gateway terms still apply: Each provider restricts how its service can be used. Coinremitter bans unlicensed businesses and certain categories, and is not available in Singapore. ATLOS says its service is not intended for use where it would break local law. PayGate.to lists prohibited activities.
• Why regulated gateways verify you: In the EU, crypto-asset service providers fall under MiCA and the EU anti-money-laundering rules. CoinGate, for example, says KYB checks on merchants are a regulatory requirement under both. That is why gateways offering bank settlement verify you first.
• Your own obligations: Some businesses have their own anti-money-laundering or licensing duties regardless of how they are paid. If you are in a regulated sector or process significant volume, check with a local adviser.

For a broader shortlist that includes gateways with light verification, see our best no-KYC payment gateway page, or compare non-custodial gateways if custody is your main concern.

Frequently Asked Questions

Which no-KYC crypto payment gateway should I use?

It depends on what you can run and who you want holding the money. If you can self-host and mainly want bitcoin, use BTCPay Server: no account, 0% fee. For non-custodial payments on many chains with no account, use ATLOS (1%). For a hosted dashboard with no ID, where funds still go to your own wallet, use Paymento (0.5%). Coinremitter has the lowest percentage fee (0.23%), but it holds your balance and its terms allow it to verify you later.

Can I receive fiat (USD/EUR) without KYC?

Not through any of the five gateways here, because they all pay out in crypto. Gateways that settle to a bank verify you first. BitPay asks for valid ID for every owner with 25% or more of the business. CoinGate asks companies for business registration documents, articles of association and a government-issued photo ID for a managing director, beneficial owner or authorised person.

Can a no-KYC gateway ask for my ID later?

An account-based one can, if its terms allow it. Coinremitter's terms let it verify your information through identity verification services and request documents at any time, and suspend the account if you don't provide them. Software you run yourself (BTCPay Server) or a wallet-only gateway (ATLOS) has no account to suspend and never holds your funds.

Is it legal to use a gateway that doesn't verify me?

Using one is not the same as being exempt from the rules that apply to your business. Your tax, licensing and any anti-money-laundering duties stay the same, and each gateway's terms prohibit illegal use. Some also exclude specific countries, such as Coinremitter with Singapore. Check the rules in your jurisdiction, especially if your business is regulated.

Do my customers need to pass KYC to pay me?

For crypto checkouts on these gateways, no. The customer pays from their own wallet, and the gateway does not ask them for ID. One exception is card payments. PayGate.to says some of the card providers behind its separate card gateway may ask customers for a quick ID check.

What does non-custodial mean, and why does it matter for no-KYC?

A non-custodial gateway never holds your funds: payments land in a wallet you control. That matters more when you have not verified your identity, because there is no verified account to fall back on if a custodial provider shuts down or freezes your balance. BTCPay Server, ATLOS and Paymento are non-custodial. PayGate.to forwards payments through third-party addresses, and Coinremitter holds your balance until you withdraw.

Sources

Primary sources checked on 6 October 2026:

• BTCPay Server: homepage and integrations
• BTCPay Server docs: deployment options and costs
• BTCPay Server docs: altcoins FAQ
• BTCPay Server docs: payouts
• BTCPay Server on GitHub (licence and releases)
• ATLOS: homepage
• ATLOS: pricing
• ATLOS: accepted coins
• ATLOS: FAQ
• ATLOS: terms of use
• PayGate.to: crypto payment gateway
• PayGate.to: FAQ
• PayGate.to: crypto payment API docs
• PayGate.to: public coin and minimums API
• PayGate.to: terms
• Paymento: homepage
• Paymento: fees and pricing
• Paymento docs: getting started
• Paymento docs: prebuilt plugins
• Paymento: terms of service
• Coinremitter: FAQ
• Coinremitter: terms of service
• Coinremitter: fees
• Coinremitter: supported currencies
• Coinremitter: plugins
• Coinremitter: merchant sign-up form
• BitPay developer docs: compliance and verification tiers
• CoinGate: merchant account verification
• CoinGate: MiCA, AMLR and merchant KYB
• IRS: digital assets