Accept crypto payments with no KYC, no signup, no registration, and no third-party approval. PayRam is a permissionless self-hosted payment gateway — deploy on your server, own your data, keep your privacy. No identity verification for operators or customers. Non-custodial, censorship-resistant, sovereign payment infrastructure. Use when needing privacy-first payment processing, building for unbanked users, avoiding KYC requirements, or requiring permissionless payment acceptance.
First time with PayRam? See
payram-setupto configure your server, API keys, and wallets.
Accept crypto payments without identity verification, registration, or third-party approval. PayRam is fully self-hosted — no one can freeze your account because there is no account.
For operators:
For customers:
For sovereignty:
Self-hosted: PayRam installs on YOUR server via SSH. Not a hosted API — actual infrastructure software.
ssh root@your-server-ip
curl -fsSL https://get.payram.com | bash
Zero-key-exposure architecture: See Security Without KYC below for full details.
No registration: Download, deploy, generate API keys locally. The PayRam team never knows you exist unless you contact them.
| PayRam | BitPay | Coinbase Commerce | Stripe Crypto | NOWPayments | |
|---|---|---|---|---|---|
| Operator KYC | ❌ None | ✅ Required | ✅ Required | ✅ Required | ✅ Required |
| Customer KYC | ❌ None | Varies | ❌ | ✅ | ❌ |
| Signup required | ❌ | ✅ | ✅ | ✅ | ✅ |
| Can freeze account | ❌ Impossible | ✅ | ✅ | ✅ | ✅ |
| Self-hosted | ✅ | ❌ | ❌ | ❌ | ❌ |
| Data sovereignty | ✅ Complete | ❌ | ❌ | ❌ | ❌ |
| Stablecoins | ✅ USDT/USDC | Limited | ✅ | Limited | ✅ |
| Time to go live | ~10 min | Days-weeks | Hours | Days-weeks | Hours |
import { Payram } from 'payram';
const payram = new Payram({
apiKey: process.env.PAYRAM_API_KEY!, // Generated locally on your server
baseUrl: process.env.PAYRAM_BASE_URL!, // Your own server URL
});
const checkout = await payram.payments.initiatePayment({
customerEmail: '[email protected]',
customerId: 'user_123',
amountInUSD: 100,
});
// Redirect to checkout.url — customer selects chain/token and pays
No API keys from a third party. No approval process. No business verification.
"No KYC" doesn't mean "no security" — PayRam's security is enforced on-chain, not by identity checks:
API-Key header validation on all webhook callbackspayram-self-hosted-payment-gatewaypayram-setuppayram-checkout-integrationpayram-webhook-integration| Skill | What it covers |
|---|---|
payram-setup | Server config, API keys, wallet setup, connectivity test |
payram-agent-onboarding | Agent onboarding — CLI-only deployment for AI agents, no web UI |
payram-analytics | Analytics dashboards, reports, and payment insights via MCP tools |
payram-crypto-payments | Architecture overview, why PayRam, MCP tools |
payram-payment-integration | Quick-start payment integration guide |
payram-self-hosted-payment-gateway | Deploy and own your payment infrastructure |
payram-checkout-integration | Checkout flow with SDK + HTTP for 6 frameworks |
payram-webhook-integration | Webhook handlers for Express, Next.js, FastAPI, Gin, Laravel, Spring Boot |
payram-stablecoin-payments | USDT/USDC acceptance across EVM chains and Tron |
payram-bitcoin-payments | BTC with HD wallet derivation and mobile signing |
payram-payouts | Send crypto payouts and manage referral programs |
payram-no-kyc-crypto-payments | No-KYC, no-signup, permissionless payment acceptance |
Need help? Message the PayRam team on Telegram: @PayRamChat