Service overview
Bitcart
bitcart.ai
Self-hosted open-source payment processor supporting 50+ coins including Monero
Non-custodialNo registration
Privacy 9.2/10
Safety 7.3/10
Read the evidence
OxaPay review
Custodial crypto payment gateway with invoices, static addresses and payouts, fees from 0.4%
Privacy score
5.7/ 10
FairHow much you reveal
See the score breakdown Safety score
3.8/ 10
PoorHow well you’re protected
See the score breakdown Identity policy
1/ 4 KYC level
No ID mentioned Read the policy Evidence
Documentation reviewed Grades based on published terms and documentation.
0 published tests Two grades. Different questions.Understand the methodology
The overview
The essentials, at a glance.
OxaPay is a payment gateway. Its terms put it at KYC level 1 of 4: no ID mentioned. NoKYC Score grades it 5.7/10 for privacy (fair) and 3.8/10 for safety (poor). In its favour: accepts Monero. To watch: it holds your funds while you use it, requires an email address and is closed source. No incidents are on record.
What stands out
- Accepts Monero
Monero hides sender, receiver and amount, so the payment cannot be traced to you.
Before you use it
- Holds your funds
The operator controls user funds while they are on the platform.
- Email required
An email address is required to use the service.
- Closed source
The code is not public, so its behaviour cannot be checked.
No test transactions published yet.
About OxaPay
OxaPay is a hosted crypto payment gateway for businesses, offering payment links, invoices, white-label checkout, static deposit addresses, payouts, a POS and an internal swap tool. Its pricing lists fees from 0.4% and supports BTC, ETH, USDT on several networks, TON, Monero, DAI, XRP and others. The terms of use, shown on the site, say the merchant's business is reviewed and approved, that accounts can be suspended and assets temporarily blocked for false information, unapproved use or legal violations, and they contain no identity-document requirement. The privacy section lists name, email and payment information among data collected. No operating company or jurisdiction is named.
Cite this review or read as plain text
NoKYC Score, "OxaPay review", reviewed 23 Oct 2026, https://nokycscore.com/service/oxapay
Open plain-text review ↗The feature review
Privacy, without the guesswork.
1 / 13 features confirmed4 warnings in the recorded terms
Identity
0 / 4 confirmed
- ID never requiredNot stated
The terms rule identity checks out, or the design makes them impossible.
- No account neededNo
Usable without creating an account, or the account is only a random number.
- No email neededNo
An email address is not required to sign up or use it.
- No phone numberNot stated
A phone number is never required.
Payment
1 / 2 confirmed
- Accepts MoneroYes
Monero hides sender, receiver and amount, so the payment cannot be traced to you.
- Accepts LightningNot stated
Bitcoin Lightning payments: fast, cheap and more private than on-chain.
Access
0 / 2 confirmed
- Tor onion addressNot stated
An official .onion address, reachable only through Tor.
- Works without JavaScriptNot stated
Core functions work with scripts disabled, as in Tor Browser on its safest setting.
Trust
0 / 5 confirmed
- Never holds your fundsNo
The operator never controls user funds, so it cannot freeze them.
- Open sourceNo
The code that matters is public and can be inspected.
- Independent auditNot stated
A third party audited the code or the no-logs claim, and the report is public.
- Company namedNo
The operating company and its jurisdiction are published.
- 5+ years operatingNot stated
Has operated continuously for five years or more.
Warnings
4 flagged
- May ask for IDNot in terms
The terms reserve the right to demand identity documents, often after a risk flag.
- Screens depositsNot in terms
Deposits are scored by blockchain analytics; a flag can freeze them.
- Holds your fundsYes
The operator controls user funds while they are on the platform.
- Email requiredYes
An email address is required to use the service.
- Phone number requiredNot in terms
A phone number is required to use the service.
- Closed sourceYes
The code is not public, so its behaviour cannot be checked.
- Nobody accountableYes
No company or person is publicly responsible for the service.
“Not stated” means the service’s own pages do not say. Expand a group to see every check.
Identity requirements
Does OxaPay require KYC?
Level 1 of 4
No ID mentioned
- 0 Never
- 1 Not mentioned
- 2 Rare
- 3 On risk flag
- 4 Mandatory
No ID requirement appears anywhere in OxaPay's terms or documentation. Checked against its own terms.
- Account required
- Email may be asked
- Phone may be asked
- No ID documents
KYC level 1: No ID mentioned. No identity requirement appears anywhere in the terms or documentation.
Terms of use contain no identity-verification clause; accounts can be suspended and assets blocked for false information or use outside the approved business.
Transparent by design
Every point, explained.
Both grades start at 50 points and move by fixed, published amounts. Nothing is adjusted by hand. The total is divided by ten.
Privacy
5.7/ 10
- Starting points 50
- KYC level 1: No ID mentioned +12
- Custodial -3
- Closed source -2
- Accepts Monero +4
- Requires email -4
- Total, clamped to 0–100 57
Safety
3.8/ 10
- Starting points 50
- Custodial -5
- Closed source -3
- Anonymous operator -4
- Total, clamped to 0–100 38
Evidence, not promises
Test ledger 0
Published test transactions, with the route, amount and outcome available to inspect.
No test transactions published yet
The grades above rest on OxaPay’s terms and documentation. Tests will appear here with the date, route, amount band and result as they are run.
The track record
Incidents 0
No incidents on record
We have no documented cases for OxaPay. An empty record does not guarantee a service is risk-free.
Community experience
What users are saying 0
Reviews never change a grade. Reviews with a transaction reference are marked.
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Alternatives to OxaPay
All alternatives → Service overview
MoneroPay
moneropay.eu
Self-hosted backend service for receiving and tracking Monero payments
Non-custodialNo registration
Privacy 9.2/10
Safety 7.3/10
Read the evidence
Service overview
SHKeeper
shkeeper.io
Self-hosted open-source crypto payment gateway with no transaction fees
Non-custodialNo registration
Privacy 8.8/10
Safety 7.3/10
Read the evidence
Service overview
Bitrequest
bitrequest.io
Open-source app for creating crypto payment requests and watching them arrive
Non-custodialNo registration
Privacy 9.0/10
Safety 7.0/10
Read the evidence
OxaPay vs BitcartOxaPay vs MoneroPayOxaPay vs SHKeeperOxaPay vs Bitrequest
OxaPay: common questions
Does OxaPay require KYC?
OxaPay is rated KYC level 1 of 4 on this site: no ID mentioned. Terms of use contain no identity-verification clause; accounts can be suspended and assets blocked for false information or use outside the approved business.
Is OxaPay safe to use?
OxaPay has a Safety grade of 3.8 out of 10 and a Privacy grade of 5.7 out of 10. No incidents are on record. Evidence level: documentation reviewed.
Is OxaPay legit?
OxaPay is a working payment gateway. Its operators do not publish a company or names, so nobody is publicly accountable for it. Being real is not the same as being safe: its Safety grade here is 3.8 out of 10, built from custody, liquidity, track record and incidents.
Is OxaPay a scam?
NoKYC Score does not label services as scams; it records documented incidents with their sources and outcomes. No incidents are on record for OxaPay.
Do I need an account or email to use OxaPay?
Email required.
What fees does OxaPay charge?
From 0.4%; payment links 2% plus a fixed fee; direct receive 1% above $20,000 received. Fees were recorded from OxaPay's own pages and can change; check before you send.
Does OxaPay have a Tor onion address?
No official onion address was found on OxaPay's own pages.
Which cryptocurrencies does OxaPay support?
OxaPay supports BTC, ETH, USDT, TON, XMR, DAI, XRP, BCH, SHIB, and fiat payments in USD.
Is OxaPay custodial?
Yes. OxaPay holds funds during a trade, which means it is able to delay or freeze them.
Can I use OxaPay over Tor?
OxaPay does not publish an official onion address.
Listing history
- Listing added. Facts and KYC level set from the service's own terms and documentation.