# OxaPay review: KYC policy, privacy and safety grades

> 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.

Source: NoKYC Score, "OxaPay review", reviewed 23 Oct 2026, https://nokycscore.com/service/oxapay

## Key facts
- **Category:** Payment Gateways
- **KYC level:** 1 of 4: No ID mentioned
- **Grades:** Privacy 5.7/10, Safety 3.8/10
- **Sign-up:** Email required
- **Custody:** custodial
- **Fees:** From 0.4%; payment links 2% plus a fixed fee; direct receive 1% above $20,000 received
- **Incidents on record:** 0
- **Last reviewed:** 23 Oct 2026
- **Official website:** https://oxapay.com

## What it is
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.

## What the terms say about ID
Terms of use contain no identity-verification clause; accounts can be suspended and assets blocked for false information or use outside the approved business.

## Features and warnings
- **Identity:** ID never required: not stated; No account needed: no; No email needed: no; No phone number: not stated
- **Payment:** Accepts Monero: yes; Accepts Lightning: not stated
- **Access:** Tor onion address: not stated; Works without JavaScript: not stated
- **Trust:** Never holds your funds: no; Open source: no; Independent audit: not stated; Company named: no; 5+ years operating: not stated
- **Warnings:** May ask for ID: not in terms; Screens deposits: not in terms; Holds your funds: yes; Email required: yes; Phone number required: not in terms; Closed source: yes; Nobody accountable: yes

## 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.

## Sources
- https://oxapay.com/
- https://oxapay.com/pricing

How grades are calculated: https://nokycscore.com/methodology