Skip to main content
Start accepting stablecoin payments by your next coffee break. Book a call

Self-hosted crypto payment gatewayBuild something that collects payments?

your-app.dev$49Pay $49$+49.00 USDCsettled to your walletyour appyourserveryour wallet

PayRam is a self-hosted payment gateway: it runs on your server, not ours.

Accept stablecoins, Bitcoin and more. Deploy in about ten minutes, by hand or by asking your agent. Nothing to sign up for, no approval to wait on.

Start collecting
  • $100M+ settled to date
  • No signup · No KYB
  • Deploy in ~10 minutes

built it with one of these?

Whatever built it, PayRam collects for it.

Your coding agent already speaks MCP. With help from PayRam's MCP server, it can install the gateway and wire payments into whatever you just built.

  • v0
  • Hermes Agent
  • Grok
  • Cursor
  • Gemini
  • Lovable
  • Bolt
  • Windsurf
  • Codex
  • Replit
  • Claude Code
  • OpenClaw
  • v0
  • Hermes Agent
  • Grok
  • Cursor
  • Gemini
  • Lovable
  • Bolt
  • Windsurf
  • Codex
  • Replit
  • Claude Code
  • OpenClaw
  • Grok
  • Codex
  • Bolt
  • v0
  • Cursor
  • OpenClaw
  • Lovable
  • Replit
  • Windsurf
  • Hermes Agent
  • Gemini
  • Claude Code
  • Grok
  • Codex
  • Bolt
  • v0
  • Cursor
  • OpenClaw
  • Lovable
  • Replit
  • Windsurf
  • Hermes Agent
  • Gemini
  • Claude Code

Product names belong to their owners. Shown so you recognise your own stack, not as partnerships.

Featured In

okay, how do I start?

From prompt to paid.

  1. 01

    Paste one prompt

    Give it to your coding agent. With help from PayRam's MCP server, it installs the gateway on your server.

    your coding agent

    you ›

    • agent › reading mcp.payram.com
    • agent › installing PayRam on your server
    • agent › ✓ gateway running at payram.your-domain.com

    illustrative output

    or run it yourselfbash <(curl -fsSL https://payram.com/setup_payram.sh)
  2. 02

    Your gateway is live

    Deploy takes about ten minutes. You get your own payments dashboard, with nothing to sign up for.

    payram.your-domain.com/setup
    PayRam

    Your gateway is live.

    Nothing to sign up for. The next step is yours.

    • PayRam installed on your server
    • Your dashboard is ready
    • MCP configured for your agent
    • Connect a walletnext
  3. 03

    Connect a wallet only you control

    Choose the networks and tokens you accept. Funds sweep to a cold wallet only you hold.

    payram.your-domain.com/wallet-management

    ASSETS

    Wallet management

    Deposit wallet

    • EthereumUSDTUSDCETH
    • BaseUSDC
    • PolygonUSDCUSDT
    • TronUSDT

    Cold wallet · 0x7a3f…c91e

    Funds sweep here. Only you hold the keys.

  4. 04

    Share a payment link

    Put it in your app, a chat or an email. No storefront to build first.

    payram.your-domain.com/create-payment-link

    Create Payment Link

    Create Payment Link
    your-domain.com/pay/8f2k1xCopy
  5. 05

    Get paid

    Customers pay in stablecoins or by card, and their AI agents can pay too. It's on-chain and final, and it lands in your wallet.

    payram.your-domain.com/payments

    All Payments

    live

    • Early access+49.00 USDCconfirmingconfirmed
    • Early access · Base49.00swept
    • Early access · Tron49.00swept
    • Team plan · Polygon120.00confirmed

    illustrative data

It all lands in one dashboard. On your server.

Payments, payouts, sweeps and links, in a dashboard nobody else can log into. This is what your agent hands back to you.

payram.your-domain.com/analytics

Analytics

Last 14 days

All Time Payments

0

Volume (USD)

$0.00

Swept to cold wallet

$0.00

Payments per day

Recent payments

  • Early access · Base+49.00 USDCconfirmed
  • Team plan · Tron+120.00 USDTswept
  • Early access · Polygon+49.00 USDCswept

illustrative data

  • Hosted checkout

    Customers pick a network and pay. No wallet? They can pay by card, and you still settle in stablecoin.

  • Payouts with approvals

    Pay out USDC or USDT on Ethereum, Base, Polygon and Tron, with dual-control approval and email OTP.

  • Sweeps to cold storage

    Smart contracts move balances to a cold wallet only you hold, automatically.

  • API and webhooks

    Partial and over-payments are detected automatically, and your app hears about it.

rather see it than read about it?

Send a test payment. Right here.

Add credit, send test funds and watch the payment confirm. It's the same flow your customers, or their agents, will go through on your own checkout.

Open the full demo →
PayRamyour-app.dev
Step 1 · Add credit

Add Credit

Choose an amount to add to your demo account.

$

is it safe to try on something new?

Taking money usually comes with a list.

  • Sign up for a merchant account
  • Apply, then wait for approval
  • Upload KYB documents
  • Have a reserve held back
  • Fight chargebacks
  • Get your account frozen

What's left

  • A server you own

    about $20–150 a month of hosting

  • A wallet only you control

    funds land there directly

  • A payment link

    send it anywhere

No signup. No KYB. No approval gate.

On-chain and final: no chargebacks, no clawbacks.

There's no PayRam account to verify. You still own the compliance obligations that apply to your business in your own jurisdiction.

The gateway nobody can switch off on you.

Make it your main gateway, keep it as a backup, or start small in a sandbox. However you use it, there's no account to freeze and no processor that can drop you.

Run all your payments on it.

Checkout, payment links, payouts and your dashboard, all on your own server. Money lands in your wallet, not in a balance someone else can hold back.

for the one that worked

Who can freeze your funds?
Nobody.
Payments land in a wallet only you hold.
Who can close your account?
Nobody.
There's no PayRam account to close.
Who can switch it off?
Only you.
It runs on your server.

It stays up for as long as your server does, and you choose the server.

who's running it already?

In their own words.

  • “PayRam cut our payment settlement time from 3 days to under 10 minutes. The self-hosted setup gave us full control — no middlemen, no frozen funds. It's become the backbone of our checkout flow.”

    Marcus T.

    CTO at a Global E-Commerce Platform

  • “We tried Coinbase Commerce and BTCPay, but PayRam was the only one that handled USDC and USDT across multiple chains out of the box. The keyless architecture means we sleep easy knowing funds go straight to our cold wallet.”

    Priya S.

    Head of Engineering at a Cross-Border Marketplace

  • “Our charity needed a way to accept crypto donations without KYC friction. PayRam deployed in a single afternoon and our donors love the transparency — every transaction is verifiable on-chain.”

    Daniel R.

    Operations Lead at a Nonprofit Foundation

shipping more than one thing?

More domains, not more dashboards.

Every app you ship becomes a project in the same PayRam install, with its own API key, wallet and checkout. Check one, or see them all added up.

you › how did each of my sites do this week?
Your agent can read every project through PayRam's MCP server, so that's one question, not a login per site.

Collecting for other people's businesses, not just your own? Operator mode turns the same install into a payments business: onboard merchants and set your own fees.

payram.your-domain.com/project/all/dashboard
All ProjectsLast 14 days

Payments

0

Volume (USD)

$0

Settles to

4 wallets, all yours

one per project

Payments per day, by project

Recent payments

  • your-shop.store · Polygon · 2m+64.00 USDC
  • your-saas.app · Base · 5m+29.00 USDC
  • your-community.club · Tron · 9m+9.00 USDT

illustrative data

but is it secure? does anyone maintain it?

Built so a bad day on your server isn't a bad day for your money.

No deposit keys on the server

Smart contracts move funds on-chain, so a compromised server exposes no deposits. Funds land in a wallet only you control.

Smart contracts audited by QuillAudits ↗

Shipping, constantly

0

releases since August

  • October 27, 2026

    PayRam Core v3.10.1

  • October 26, 2026

    PayRam for Shopify v1.2.1

  • October 24, 2026

    PayRam Wallet v2.9.1

Read every release note →
$0M+
Value Settled
0K+
On-Chain Transactions
0+
Merchants Live
0+
Tokens Supported
How Funds Flow

One address per customer. One wallet that’s always yours.

PayRam assigns every customer a permanent, dedicated deposit address — free to create, zero management. SmartSweep consolidates balances into your cold wallet automatically. No custody hand-off. No manual moves. Your keys, your funds.

User Deposit Address
Unique · Free · Permanent
User Deposit Address
Unique · Free · Permanent
User Deposit Address
Unique · Free · Permanent
User Deposit Address
Unique · Free · Permanent
SmartSweep
Auto-consolidates
Your Cold Wallet
Self-custody

Unique · Permanent · Free

Every customer gets their own address — forever. No sharing, no collision, zero cost to create.

Sweeps automatically

SmartSweep moves every balance to your cold wallet the moment it crosses your threshold. You watch — you never touch.

Always your custody

Funds land in YOUR cold wallet. Not an exchange. Not PayRam. The private key never leaves your hands.

Questions builders ask first.

Do I need a company to use PayRam?+
There's no PayRam account to verify, so there's no signup or KYB step. You still own the compliance obligations that apply to your business in your own jurisdiction.
Who can see my customers' payment data?+
Only you. PayRam runs on your server, so customer data stays there. It's never shared with PayRam or anyone else, and nothing is reported or monitored unless you decide it should be.
What does it cost to run?+
You pay for your own server. Most setups run on hosting that costs about $20–150 a month, depending on your traffic.
Can my AI agent really set it up?+
Yes. Paste the prompt into Claude Code, Cursor, OpenClaw or a similar agent. With help from PayRam's MCP server, your agent can install the gateway and wire payments into your app.
Can AI agents pay me, not just people?+
Yes. An agent with a wallet pays a PayRam payment link or checkout the same way a person does, and the money lands in your wallet. People and agents can pay side by side.
What can my customers pay with?+
USDC and USDT on Ethereum, Base, Polygon and Tron, plus Bitcoin and Ethereum. Customers can also pay from Solana, BNB Chain or Litecoin, and it settles to you as USDC on Base. Customers without a wallet can pay by card, and you still settle in stablecoin.
Is there a limit on how much I can collect?+
PayRam sets no transaction limit. It runs on your server, so your volume is bounded only by your hardware and the chains you use, whether that's 10 payments a day or 10,000.
Can I try it before I install anything?+
Yes. Send a test payment in the demo on this page, or open the full demo at payram.com/demo. Nothing to sign up for there either.
Can I run it next to my current processor?+
Yes, and it's a good way to start: keep PayRam as a second rail. It runs on your server, so nobody else can switch it off.
What about chargebacks?+
Payments are on-chain and final, so there are no chargebacks and no clawbacks.
Can I collect payments for other businesses?+
Yes. Operator mode turns one installation into a payments business: onboard other merchants, set your own fees and own the relationship. See payram.com/operator.

still reading?

Fresh from the blog.

Read every post →

Ship the thing. Start today.

You can rent almost everything. Your money shouldn't be one of them. Deploy in about ten minutes on your own server. No signup. No KYB. No approval gate.

Start collecting

Not sure yet? Ask AI how it works ↗Read the docs ↗

your-app.dev$49Pay $49$+49.00 USDCsettled to your walletyour appyourserveryour wallet