Welcome to NoHoldPay
Non-custodial crypto payments. Customers pay your wallet directly. NoHoldPay tracks the chain and sends signed webhooks.
NoHoldPay lets merchants accept crypto without a custodian. The customer pays an address you control. We watch the chain, match the payment to the invoice, update the status, and send a signed webhook.
Platform fees come from your Prepaid Credit after confirmation. The customer's payment is not touched. There is no payout step. Confirmed funds are already in your wallet.
Why merchants use it
- Direct wallet payments. Funds move straight from the payer to your wallet.
- No spend keys. Share a public key, a receive address, or a Monero view key. Never a seed phrase.
- No chargebacks. On-chain transactions are final.
- No KYC for merchants. We never take possession of funds, so we are not a money transmitter.
- No monthly minimum. Pay-as-you-confirm pricing.
- Signed webhooks. Verify every status update server-side.
- Recovery kit. Recover funds yourself if NoHoldPay is offline.
What you plug in
| Chain family | What to paste |
|---|---|
| Bitcoin, Litecoin, Bitcoin Cash, Dogecoin | Account-level extended public key |
| Ethereum, Base, Polygon, BNB Chain | EVM receive address (0x...) |
| Solana | Base58 ed25519 public key |
| TRON | Base58Check address (T...) |
| XRP | Classic XRPL address (r...) |
| Stellar | Stellar account ID (G...) |
| TON | TON wallet address (EQ.../UQ...) |
| Monero | Primary address + private view key |
UTXO wallets (BTC, LTC, BCH, DOGE) need a configurable gap limit. See each chain's page for details.
Not sure which wallet to use, or want to keep the number of wallets you maintain small? See Choosing your wallets.
What NoHoldPay cannot do
- Move funds from your wallet.
- Freeze your funds. Stablecoin issuers can freeze their tokens. NoHoldPay cannot.
- Reverse an on-chain payment.
- Recover a lost seed phrase.
How a payment moves
Create a payment. Call POST /api/v1/payments with a fiat amount. NoHoldPay returns a
checkout URL.
Your webhook fires. You receive signed status events ending in payment.confirmed.
No code? Payment links, invoices, and hosted checkout use the same flow.
What you get
Multi-chain by default
BTC, ETH, BASE, MATIC, BSC, SOL, LTC, BCH, DOGE, TRX, XMR, XRP, XLM, and TON today, with matching testnets. The list keeps growing.
45+ fiat currencies
Price invoices in your local currency. NoHoldPay handles the FX.
Hosted checkout
QR codes, copyable addresses, locked rates, live status updates.
Payment links and invoices
Create shareable links or send invoices from the dashboard.
Gasless stablecoins
Customers pay USDC without holding gas on supported EVM chains and Solana.
Signed webhooks
HMAC-SHA256, retry handling, stable event names.
Test mode
A `pk_test_*` key cannot create a mainnet payment.
Recovery kit
A downloadable bundle the offline recovery CLI uses to re-derive your forwarder addresses.
Pricing
- Platform fee. 0.5% per confirmed payment by default, with no fixed component. Custom rates available. Contact support.
- Network fees. Pass-through at cost for CREATE2 sweeps and gasless transfers. No markup. Platform-paid UTXO gap-fillers bill the miner fee at cost plus a small fixed service fee shown before you confirm.
- High-gas moments. Merchants can pass network cost to the customer with a configurable markup.
- No monthly minimum. Fees come from your Prepaid Credit. Customer payments are never reduced.
New accounts get $100 test credit and $50 live credit automatically at signup. At the default 0.5% fee, the live credit covers roughly your first $10,000 of processed volume.