Highest Safety grade
Bitcart
- Privacy
- 9.2
- Safety
- 7.3
- No account needed
- Accepts Monero
- Never holds your funds
Spend · October 2026
Crypto payment gateways without KYC
A payment gateway creates invoices, watches for incoming payments and notifies your shop. Self-hosted gateways run on your own server and pay straight into your own wallet, so there is no account, no intermediary and nothing to verify.
Hosted gateways are easier to start with but sit between you and your revenue. Where they custody funds, they can hold them.
Payment Gateways in short
8 payment gateways usable without mandatory ID are listed and graded here. 5 have terms that rule out identity checks entirely, while 2 reserve the right to ask for ID after a risk flag. The highest Safety grade belongs to Bitcart (7.3/10). 5 accept Monero and 0 publish a Tor onion address.
- Listed
- 8
- ID never required
- 5
- May ask for ID
- 2
- Accept Monero
- 5
- Onion address
- 0
- Incidents on record
- 1
Reflects the listings as of 22 Oct 2026.
Our picks
Where to start
-
-
Highest Privacy grade
MoneroPay
- Privacy
- 9.2
- Safety
- 7.3
- No account needed
- Accepts Monero
- Never holds your funds
-
Best that never asks for ID
SHKeeper
- Privacy
- 8.8
- Safety
- 7.3
- No account needed
- Never holds your funds
- Open source
Picked by rule from the recorded facts, not by payment. Compare Bitcart and MoneroPay side by side →
8 listed
Payment Gateways, ranked by Safety grade
| # | Service | KYC | Privacy | Safety | Evidence | Accepts | Incidents |
|---|---|---|---|---|---|---|---|
| 01 | Bitcart Accepts Monero No account needed Never holds your funds Open source Self-hosted open-source payment processor supporting 50+ coins including Monero | Never KYC 0 | 9.2 | 7.3 | Docs reviewed | BTCETHTRX +4 | |
| 02 | MoneroPay Accepts Monero No account needed Never holds your funds Open source Self-hosted backend service for receiving and tracking Monero payments | Never KYC 0 | 9.2 | 7.3 | Docs reviewed | XMR | |
| 03 | SHKeeper No account needed Never holds your funds Open source Self-hosted open-source crypto payment gateway with no transaction fees | Never KYC 0 | 8.8 | 7.3 | Docs reviewed | BTCETHLTC +3 | |
| 04 |  Bitrequest Accepts Monero No account needed Never holds your funds Open source Open-source app for creating crypto payment requests and watching them arrive | Never KYC 0 | 9.0 | 7.0 | Docs reviewed | BTCXMRETH +5 | |
| 05 |  BTCPay Server Accepts Monero No account needed Never holds your funds Open source Self-hosted open-source Bitcoin payment processor with no fees and no third party | Never KYC 0 | 8.9 | 6.8 | Docs reviewed | BTCLTCXMR | |
| 06 |  Coinos Custodial web wallet and payment page for Bitcoin, Lightning and Liquid | Not mentioned KYC 1 | 6.4 | 4.5 | Docs reviewed | BTCL-BTC | |
| 07 |  NOWPayments Accepts Monero May ask for ID Hosted crypto payment gateway linked to ChangeNOW, with fees from 1% | On risk flag KYC 3 | 1.7 | 4.4 | Docs reviewed | BTCETHXMR +3 | |
| 08 |  WolvPay May ask for ID Crypto payment processor for merchants with a 1% fee and email sign-up | On risk flag KYC 3 | 2.3 | 3.9 | Docs reviewed | BTCETHSOL +5 |
Check the rules where you live
Whether a provider may serve customers in your country depends on local licensing rules. A listing describes a service; it is not an invitation to use it and not financial advice.Across all 8
How they compare on features
The share of listed services that offer each feature, and that carry each warning in their terms. Select a row to see the services behind it.
How many offer
How many have this in their terms
Criteria
What we check for every payment gateway
- Self-hosted versus hosted, and who holds the funds
- Supported coins, including Lightning and Monero
- Fees and payout thresholds
- Merchant verification requirements in the terms
On record
Recent incidents among payment gateways
high
Hack or exploit BTCPay Server
Security advisory: flaw exposing LND credentials exploited before version 2.4.2
The BTCPay Server project published an advisory on 7 August 2026 urging operators to update to version 2.4.2 immediately or take servers offline. According to the advisory, the flaw could let an unauthenticated remote attacker obtain LND credential files and move funds from the connected Lightning node; on-chain wallets were not affected. Several merchants publicly confirmed losses. The project has not published a total, and said a full post-mortem would follow.
Outcome unknown Source: blog.btcpayserver.org ↗
Questions
Payment Gateways: common questions
Can I accept crypto without a payment company?
Yes. Self-hosted, open-source gateways connect directly to your own wallet. You carry the hosting, and nobody else touches the funds.
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