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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Payment Gateways, ranked by Safety grade

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Must have

No email needed 6 No phone number 6 ID never required 5 No account needed 5 Accepts Monero 5 Never holds your funds 5 Open source 5 Accepts Lightning 3 5+ years operating 2

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may ask for ID 2 require an email 2 are closed source 2

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Crypto payment gateways without KYC: KYC level, Privacy grade, Safety grade and evidence level
#	Service	KYC	Privacy	Safety	Evidence	Accepts	Incidents
01	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	1

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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.

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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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7 Aug 2026

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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