The payment gateway that never asks who you are.
No email. No password. No documents, selfies, registries or “verification pending”. One click generates a 16-digit account key, and that key is your entire identity here. This page explains why that design exists and exactly what it changes for your business.
What KYC really costs a merchant
On paper it's a form. In practice it's a business model with four costs that land on you — and for most modern businesses, they're the reason crypto acceptance stalls.
Documents, selfies, bank statements — then days or weeks “under review” before your first invoice. Some industries never clear it.
A KYC'd gateway can freeze your money while it re-verifies you. Every big processor's forum is a museum of six-month holds.
Your passport and company file sit in a database forever — one breach from identity theft. Processor breaches aren't hypothetical; they're annual.
Surveillance rules force privacy assets off the menu — which is why Monero acceptance is nearly extinct among custodial gateways.
An account with nothing to verify
It's architectural, not a lenient policy that could tighten later. The signup flow literally has no fields.
Click Create account. The server makes a random 16-digit key and shows it once. No form, no email, no upload.
We keep only a salted, peppered hash — never the key itself. There's no email column, no name column, no document bucket.
Log in with the key (add TOTP 2FA in a minute). Payments, payouts, API and webhooks work instantly — at a flat 1%, no tier to unlock.
The honest caveat: no-KYC is not a magic legal shield. You remain responsible for what you sell and for your own taxes. What disappears is the demand to prove who you are before you're allowed to be paid — and every failure mode it creates.
No-KYC only makes sense on-chain
Card processors need your identity because cards can be reversed — someone must be chased when money flows backwards. On-chain payments don't: a confirmed transaction is final, chargebacks cannot exist, and the whole liability chain that justifies invasive onboarding evaporates.
It's also why we support the assets surveillance-bound processors can't — Monero is first-class here, next to every major coin.
settlement is final
Monero · first-class
Bitcoin
USDT · 2 networks
Ethereum
Solana
KYC gateway vs. CryptoPayIn
| Moment in your merchant life | Typical KYC gateway | CryptoPayIn |
|---|---|---|
| Opening the account | Forms, documents, selfie, days–weeks of review | One click, ~30 seconds, live immediately |
| Your data at rest | Identity file kept for 5+ years, breach-able | A hashed key. There is nothing to leak |
| Growing volume | Threshold triggers re-verification, payouts pause | Nothing changes at any volume |
| A “risky” industry label | Application declined or account off-boarded | No application exists to decline |
| Accepting Monero | Delisted for compliance | First-class support |
| A dispute-happy customer | Chargeback + $15–100 fee + rolling reserve | On-chain finality: chargebacks can't exist |
| Leaving | Exit reviews, withheld reserves | Withdraw your balance. Done |
Built for businesses the old rails underserve
Software, games, content, services — sold to every country card processors carve out. Integration guide →
VPNs, secure hosting, privacy tools — where asking your own customers for ID would be absurd. Monero page →
Perfectly legal sectors that banks price-gouge or refuse. High-risk guide →
No corporate paperwork to scan at 2 a.m. — the checkout works before your coffee cools.
If a processor has ever frozen your payroll, you already know why this page exists.
Your customers pay without identifying themselves. Why should you have to?
No-KYC, honestly answered
What does “no KYC” actually mean at CryptoPayIn?
It means the platform has nothing to collect: account creation generates a random 16-digit key instead of asking for an email, password, name, company documents or a selfie. There is no verification queue, no “tier 2” unlock, and no volume threshold that later demands documents. The key is the account.
Is a no-KYC payment gateway legal to use?
Using one is not illegal in most places — what matters is what you sell and your own obligations (taxes, consumer law, local licensing). CryptoPayIn prohibits unlawful commerce in its terms. The difference is that we don't make you prove your identity to run a lawful business.
Why do other gateways require KYC at all?
Because they touch regulated money: fiat settlement, card rails or licensed custody force them into KYB/AML programs. That model has real costs for merchants — onboarding queues, compliance holds, frozen balances, and a honeypot of identity documents waiting to leak.
Can my funds be frozen or my account “reviewed”?
No. There is no compliance department between you and your balance and no mechanism to hold it. Withdrawals — manual or automatic — go to wallets you control. The only fee is 1%.
What information do you actually hold about me?
A salted hash of your account key, your balances and payment records, optional 2FA secrets, and whatever payout addresses you configure. No name, no email, no documents — read the privacy policy for the exhaustive list.
Do my customers have to identify themselves?
Never. They scan a QR code and pay from any wallet. No account, no email, no card form — see how the checkout works.
Which coins can I accept without KYC?
All of them — the full catalogue including Monero, which most KYC gateways refuse to touch, plus BTC, ETH, SOL, USDT, USDC, DAI, LTC, DOGE, TRX, SHIB and PEPE.
Thirty seconds from now, you have an account.
No form fields exist between you and your first invoice. One flat 1% fee, every asset enabled, no identity, ever.