One install. The entire payment stack.
This page follows a dollar through it. Money comes in, is held, goes out, gets programmed, and is multiplied — all on one self-hosted, self-custody install. No signup, no KYB, live in about ten minutes.
Payments that land in your wallet.
Take crypto or card from anyone, anywhere — humans and agents alike. Every payment settles non-custodially to a wallet only you control.
Try it. This one is real.
This is the actual PayRam checkout, running live on this page. Add credit, send test funds, watch it confirm — the same three steps your customer sees, on your domain, with your branding.
Open the full demo
LIVEAdd Credit
Choose an amount to add to your demo account.
Accept Crypto Payments
BTC, ETH, Tron, Base, and Polygon plus USDC and USDT. Customers pay from any wallet; funds settle straight to addresses only you control. No processor in the middle.
Card Payments & Onramps
Customers pay with Visa or Mastercard — you receive stablecoins in your wallet. Card-to-crypto handled, no separate card processor to onboard.
Hosted Checkout Page
A branded checkout you can open with a single link. Share it, embed it, or drop it into any flow and start collecting in minutes.
Also in the box
Per-Customer Wallets
A unique deposit address per customer — every payment reconciles itself.
Fast Confirmations
Payments confirm in seconds; you watch funds land on-chain in real time.
WooCommerce Plugin
Crypto checkout on any WordPress store — install, add a key, done.
Shopify PluginSoon
Accept crypto on your Shopify storefront.
Your treasury, in your custody.
Funds land in wallets only you control and consolidate themselves automatically. See everything across every chain in one place — and never put deposit keys on the server.
The money gathers itself.
Payments arrive scattered across hundreds of per-customer addresses. Smart Sweep consolidates them into your cold wallet automatically — orchestrated by smart contracts on-chain, so a compromised server exposes nothing.
How Smart Sweep worksSelf-Custody, End to End
Your keys, your wallet. Funds land directly in addresses only you control — PayRam never holds, freezes, or sees them.
Instant Settlement
Funds settle to your wallet in seconds. No T+1, no holds, no processor deciding when you get your own money.
Built-In Accounting
A ledger and P&L track every payment and payout, so your books reconcile themselves instead of waiting on a month-end export.
Also in the box
Unified Wallet View
Every balance across every chain, one screen. Know what you hold, and where.
Growth Engine
Built-in referrals and rewards turn customers into referrers.
Pay anyone, anywhere on earth.
PayRam disburses as well as it collects. Pay contractors, vendors, sellers, and affiliates on-chain in minutes — with maker/checker approvals and OTP guarding every dollar that leaves.
Five gates before a cent moves.
On-chain money is final, so the controls come first: a verified-recipient allow-list, a second approver, an email OTP — then the broadcast, signed from a wallet only you control. Settled in minutes, weekends included.
Explore PayoutsManila, Philippines
USDC · Base
Global Stablecoin Payouts
Pay anyone in USDC or USDT across Ethereum, Base, Polygon, and Tron. No borders, no banking partners, no T+1.
Approvals & OTP Built In
Maker/checker separation, email OTP on the funds-moving step, and an allow-list of verified recipients. Queue, approve, and track everything from one dashboard.
Also in the box
Payouts at Scale
Drive disbursements programmatically — one API call per payout.
Crypto-to-Fiat Off-Ramp
Convert and cash out to fiat when you need to.
Withdraw On Your Terms
Funds are yours the moment they settle — no lock-ups, no holds, no reserve.
A platform, not a checkout button.
A clean REST API, real-time webhooks, and AI-native tooling. Wire payments into your app, your agents, or your own product — with the controls a finance team needs.
Three payloads, whole gateway.
One call creates a payment. One webhook tells you it filled. One MCP config hands the entire gateway to an AI agent. Flip through the actual payloads — this is the whole integration surface.
All integrationsPOST /api/v1/payment
{
"customerEmail": "maria@atlaslabs.io",
"amountInUSD": 149.00,
"invoiceID": "inv_2041"
}
→ 201 Created
{
"url": "https://pay.yourgateway.com/c/8f3a…",
"reference_id": "ref_9c2e71"
}REST API & Webhooks
A clean REST API plus real-time webhooks for every payment event, with retry and backoff. React the moment money moves — no polling.
MCP & Agentic Payments
An MCP server lets any AI assistant deploy and drive PayRam. Agents pay and get paid on the same rails as everyone else.
Also in the box
Policy Management
Limits, allow-lists, thresholds — enforced automatically on every transaction.
Approval Workflows
Role-based, multi-step approvals. Nothing leaves without sign-off.
OpenClawNew
Accept payments inside WhatsApp, Telegram, Discord via your agent.
Agentic Commerce
Machine-to-machine settlement for AI-driven business.
Be the gateway. Own the rails.
One install becomes a multi-tenant payments business. Onboard merchants, set your own pricing, and earn on every transaction — settled on-chain, with no custody and no platform that can switch you off.
Every feature above, times fifty merchants.
Operator Mode turns the stack into a business: each merchant gets their own wallet, API keys, and webhooks under your instance. Your markup splits on-chain at settlement, straight to your collector wallet. Be the Stripe of your niche — minus the middleman.
Become an operatorYour gateway
one server · your brand
50+
merchants per install
on-chain
fee split at settlement
0
custody, ever
Operator Mode
Onboard dozens of merchants under one instance — each with their own wallet, keys, and webhooks. No custody, no KYB gate, no freeze risk.
On-Chain Fee Split
Your markup splits on-chain at settlement and lands in your collector wallet. No invoicing, no chasing, no reconciliation.
White-Label Gateway
Ship the whole gateway under your own brand — your domain, your logo, your customer relationship.
Also in the box
Custom Pricing
Set your own fees and markups per merchant and per chain.
Multi-Merchant Dashboard
Create, configure, and monitor every merchant from one view.
Dedicated Merchant Wallets
Each merchant designates their own cold wallet — no commingled funds.
Merchant API Keys
Issue, scope, rotate, and revoke keys per merchant.
Revenue Analytics
Earnings and per-merchant performance, updating in real time.
Role-Based Access
Control exactly what each team member can see and do.
Zero Rolling Reserve
Merchants receive full settlement the moment the sweep confirms.
No Chargebacks
On-chain payments are final — no disputes, no clawbacks.
No Deplatform Risk
You own the infrastructure. No account above you to lock.
Auto Reconciliation
Reference tags on every payment — attribution without spreadsheets.
Every feature rests on one thing — you own it.
Because PayRam runs on your own server, these aren’t policies you have to trust — they’re architecture. The only stablecoin payment gateway in the world you can self-host.
Self-Custody
Funds land in wallets only you control. PayRam can’t hold, freeze, or release them.
Private Gateway
Customer and transaction data lives on your server. No reporting, no monitoring — it’s your decision.
No Signup, No KYB
No account, no underwriting, no approval gate. Deploy on your own server and go live.
Censorship-Resistant
No account to lock, no funds to freeze, no gatekeeper. Own your infrastructure end to end.
Supported Chains & Tokens
20+ tokens across 6 networks. Stablecoin-native — USDT and USDC on every supported chain.
USDT
USDCEverything, in one place.
The short version of what PayRam ships. Want to go deeper on any of it?See how setup works
