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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.

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5 of 8 match

Payment Gateways, ranked by Safety grade

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Crypto payment gateways without KYC: KYC level, Privacy grade, Safety grade and evidence level
# Service KYC Privacy Safety Evidence
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
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
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
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
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

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.
2 2 4 4 6 6 8 8 10 10 PRIVATE AND SAFE SAFE, ASKS MORE PRIVATE, LESS PROVEN PRIVACY GRADE → SAFETY GRADE → Bitcart Privacy 9.2 · Safety 7.3 MoneroPay Privacy 9.2 · Safety 7.3 SHKeeper Privacy 8.8 · Safety 7.3 Bitrequest Privacy 9.0 · Safety 7.0 BTCPay Server Privacy 8.9 · Safety 6.8
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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
Full methodology

On record

Recent incidents among payment gateways

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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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