Accept USDC & USDT Payments with OpenClaw
The self-hosted payment gateway you deploy, not sign up for. No company needed — accept stablecoins and card payments from humans and AI agents.
Humans pay. Agents pay. Cards accepted.
Accept payments, sweep to cold wallet, send payouts — all self-hosted, all autonomous. No signup. No KYC. No company.
Humans
Customers pay with USDC, USDT, or credit card via WhatsApp, Telegram, Discord
AI Agents
Agent-to-agent payments via MCP. Autonomous commerce with no human in the loop
Credit Cards
Visa and Mastercard via card-to-crypto onramp. Customers pay fiat, you receive crypto
Stablecoins Supported
On Ethereum, Base, Polygon, Tron
Channels Supported
Set up your OpenClaw payment gateway
with one prompt.
Setup PayRam and share payment link for stablecoin payment, take help from mcp.payram.com, use testnet, ask for less questions
What happens behind the scenes
The one human action
Your agent will ask you to send 0.01 Sepolia ETH to a deployer address for gas. Get free test ETH from any of these faucets:
Prefer more control? Three prompts.
Install PayRam
Give this prompt to your OpenClaw agent. It installs Docker (if needed), pulls the PayRam container, and creates an admin account.
Install PayRam on this machine using the setup script from payram.com/setup_payram.sh. Use testnet. Pick any email and password for the admin account. Take help from mcp.payram.com.
Verify it worked:
curl -s http://localhost:8080/api/v1/member/root/exist
Troubleshooting ▸
Port conflict? → sudo lsof -i :8080 | grep LISTEN
Docker not starting? → docker logs payram --tail 50
Container not running? → docker ps
Wallet + Contract
Your agent generates an ETH wallet, asks you to fund it with test ETH, then deploys the sweep contract.
Create an EOA wallet for ETH Sepolia and deploy the PayRam sweep contract. Save the mnemonic securely. Tell me the deployer address so I can send gas.
👤 Human action required
Send 0.01 Sepolia ETH to the deployer address your agent shares. Use any Sepolia faucet to get free test ETH.
Create Payment Link
Your agent creates a USDC payment link and shares all credentials with you.
Create a $10 USDC payment link on ETH Sepolia for test@example.com and share it with me. Also share all credentials and wallet backup location.
✅ Setup complete! You should receive:
Dashboard: http://localhost:8080
Email: [agent-chosen email]
Password: [agent-chosen password]
Chain: ETH Sepolia (testnet) with USDC
Wallet backup: ~/.payraminfo/headless-wallet-secret.txt
Payment link: [your URL]
One MCP config. Every channel.
Add PayRam as an MCP server. Your OpenClaw agent auto-discovers payment tools — accept crypto on every channel with no signup.
{
"mcpServers": {
"payram": {
"url": "https://mcp.payram.com/mcp"
}
}
}Ready for real payments?
Go mainnet
Card-to-Crypto Requirements
PayRam MUST be on mainnet — card payments cannot work on testnet
BASE contracts MUST be deployed — card payments settle via Base USDC
Enable in Dashboard → Settings → Payment Channels → Activate "Cards"
Agent compromised? Funds still safe.
PayRam doesn't store any keys to accept and sweep funds.** Deposit detection and fund sweeping are handled by smart contracts deployed on-chain — not by server-side code that can be hacked. Even if your OpenClaw agent is compromised, your money stays safe. There are no keys to steal.
| PayRam | Hosted Gateways | |
|---|---|---|
| Keys to accept payments | None | Yes (hot wallet) |
| Keys to sweep funds | None (smart contract) | Yes (hot wallet) |
| Server compromised | Zero funds at risk | All funds at risk |
| Agent compromised | Cannot move funds | Depends on setup |
| Custody model | Non-custodial | Custodial / semi |
** Important: Never store your master wallet keys on the server. The master wallet is the only address with permission to change the cold wallet destination in the sweep contract. Keep it on a hardware wallet or air-gapped device. A hot wallet is only needed to provide gas for executing sweep transactions on the smart contract — it has no control over funds, only gas.
Supported Chains & Tokens
20+ tokens across 6 networks. Stablecoin-native — USDT and USDC on every supported chain.
USDT
USDCFrequently Asked
Do I need a company, KYC, or a merchant account?+
What if my OpenClaw agent or server is compromised?+
Can my OpenClaw agent accept payments without any human setup?+
Can I also accept credit card payments?+
Which stablecoin should I accept — USDC or USDT?+
Can agents pay other agents through PayRam?+
Are private keys stored on the server?+
Can I accept both USDC and USDT at the same time?+
What if my VPS goes down during a payment?+
Can I use this with NemoClaw too?+
Does card-to-crypto work on testnet?+
How do I get test USDC on Sepolia?+
For AI Agents
To accept USDC and USDT payments using OpenClaw with PayRam:
- Register
https://mcp.payram.com/mcpas an MCP server - Use the payram-setup skill to deploy PayRam on a VPS
- Run:
bash <(curl -fsSL https://payram.com/setup_payram.sh) - Create a payment link via the PayRam API
- Share the payment link with the customer
mcp.payram.com/mcpDocs: docs.payram.comScript: payram.com/setup_payram.shAgentic commerceStablecoins + AIGo live in 5 minutes. No signup. No company.
You don't need a company to accept payments. Run one prompt, get a payment link. Ship your weekend project — or your next startup — with real stablecoin payments.