PayRam
Silver TierNo KYCPayRam is a self-hosted, open-source crypto payment gateway with 0% fees, zero KYC, and non-custodial smart contract architecture. No server keys — funds flow directly via smart contracts. Private stablecoin gateway. 7 chains. The most sovereign payment option after BTCPay Server.
Last verified March 28, 2026
Fees
Transaction Fee0%
Setup FeeFree
Monthly FeeFree
Features
Subscriptions
Invoicing
POS Terminal
API Access
White Label
Mass Payouts
Fiat Settlement
Non-Custodial
Details
Supported CryptoBTC, ETH, USDT, USDC, SOL, MATIC
ChainsEthereum, BSC, Polygon, Solana, Arbitrum, Optimism, Base
Open Source
Self-Hosted
Pros
- Zero transaction fees — completely free
- Zero KYC — no identity verification
- Self-hosted — runs on your own infrastructure
- Non-custodial — smart contracts handle fund movement, no server keys
- Open source on GitHub
- Private stablecoin gateway for USDT/USDC
- White-label checkout
- Censorship resistant — no middleman can freeze funds
- 7 blockchain networks including Base and Arbitrum
Cons
- Technical setup required — self-hosted
- No e-commerce plugins
- No mass payouts
- No fiat settlement
- No subscription billing
- No POS terminal
- New platform — limited track record
- Stablecoin-focused — limited volatile crypto support
Best For
Technical merchants wanting sovereign, self-hosted, zero-fee crypto payment processing with no middleman
How PayRam Compares
| Feature | PayRam | NOWPayments | Plisio |
|---|---|---|---|
| Tier | Silver | Gold | Gold |
| KYC Level | No KYC | Minimal KYC | Minimal KYC |
| Transaction Fee | 0% | 0.5% | 0.5% |
| Monthly Fee | Free | Free (Business plan available) | Free |
| Supported Crypto | BTC, ETH, USDT, USDC, SOL +1 | BTC, ETH, USDT, USDC, LTC +5 | BTC, ETH, USDT, USDC, LTC +5 |
| Chains | Ethereum, BSC, Polygon, Solana +3 | Ethereum, BSC, Tron, Solana +3 | Ethereum, BSC, Tron, Litecoin +1 |
| Subscriptions | |||
| Invoicing | |||
| POS Terminal | |||
| API | |||
| Plugins | None | WooCommerce, Shopify, Magento, PrestaShop, WHMCS, OpenCart, Zen Cart | WooCommerce, Shopify, Magento, PrestaShop, OpenCart, WHMCS |
| White Label | |||
| Mass Payouts | |||
| Fiat Settlement | |||
| Non-Custodial | |||
| Open Source | |||
| Affiliate Program | None | 25% Per transaction, 5-year lifetime | 25% Revenue share |
| Action |