One install. The entire payment stack.
Payments, payouts, treasury, a developer API, and a full operator gateway — all in 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.
Accept Payments
Take BTC, ETH, Tron, Base, and Polygon plus stablecoins USDC and USDT. Customers pay from any wallet; the funds settle straight to addresses only you control. No processor sits in the middle.
ExploreCard Payments & Onramps
Let customers pay with Visa, Mastercard, or local methods — and receive stablecoins in your wallet. Card-to-crypto is handled for you, with no separate card processor to onboard.
Hosted Checkout Page
A branded, hosted checkout you can open with a single link. Nothing to build — share it, embed it, or drop it into any flow and start collecting in minutes.
Per-Customer Wallets
Every customer gets a unique deposit address, so each payment reconciles itself. No memos, no manual matching, no mixed-up funds.
Fast Confirmations
Payments confirm in seconds, not days. Your customer sees success immediately and you watch the funds land on-chain in real time.
WooCommerce Plugin
Drop crypto checkout into any WordPress store. Install the plugin, add your key, and start accepting stablecoins on WooCommerce — no code.
Shopify Plugin
Accept crypto on your Shopify storefront without leaving the platform you already run your store on.
Pay anyone, anywhere on earth.
PayRam is a dual gateway — it disburses as well as it collects. Pay contractors, vendors, sellers, and affiliates on-chain in minutes, with no banking rails in the way.
Global Payouts
Pay contractors, vendors, sellers, and affiliates anywhere in the world in any supported asset. No borders, no banking partners, no T+1 — settled on-chain in minutes.
ExploreBatch Payouts
Send thousands of payouts in a single run. Upload a list or make one API call, and PayRam disburses to every recipient at once.
Crypto-to-Fiat Off-Ramp
Convert and cash out to fiat when you need to, so crypto rails never trap you in one asset.
Payout Dashboard
Queue, approve, and track every disbursement from one dashboard in a few clicks — each with a full, auditable trail.
Withdraw On Your Terms
Funds are yours the moment they settle. Move them out whenever you choose — no lock-ups, no holds, no reserve held back.
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.
Smart Sweep
Balances scattered across customer deposit addresses are swept and consolidated into your cold wallet automatically — orchestrated on-chain by smart contracts, with no deposit keys ever stored on the server.
ExploreInstant Settlement
Funds settle to your wallet in seconds. No T+1, no holds, no processor deciding when you get your own money.
Self-Custody
Your keys, your wallet. Funds land directly in addresses only you control — PayRam never holds, freezes, or sees them.
Unified Wallet View
Every balance across every chain in one view. Know exactly what you hold, and where, at a glance.
Built-In Accounting
A built-in ledger and P&L track every payment and payout, so your books reconcile themselves instead of waiting on a month-end export.
Growth Engine
Turn customers into referrers with built-in referrals and rewards — a recurring, on-chain growth loop wired into the gateway.
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.
REST API & Webhooks
A clean REST API plus real-time webhooks for every payment event. Build payments into your product and react the moment money moves — no polling.
ExploreAgentic Payments
Give AI agents a native way to pay and get paid. PayRam settles machine-to-machine commerce on the same rails as everything else.
MCP / Agent API
An MCP server lets any AI assistant set up and drive PayRam. AI-native payment workflows work out of the box — no glue code.
Policy Management
Define payout and treasury rules — limits, allowlists, thresholds — and PayRam enforces them automatically on every transaction.
Approval Workflows
Role-based, multi-step approvals for payouts. Nothing leaves until the right people sign off.
Operator Mode
Run PayRam as a payments business: onboard merchants under one instance, set your markup, and earn on every transaction.
White-Label Gateway
Ship the whole gateway under your own brand — your domain, your logo, your customer relationship.
OpenClaw
Accept payments inside chat apps — WhatsApp, Telegram, Discord — through your OpenClaw agent, with no signup.
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.
Operator Mode
Onboard dozens of merchants under one instance — each with their own wallet, API keys, and webhooks. Set a markup, and it splits on-chain at settlement straight to your collector wallet. Be the Stripe for your niche, minus the middleman, the KYB, and the freeze risk.
ExploreCustom Pricing
Set your own fees and markups per merchant and per chain. You own the economics of your gateway.
On-Chain Fee Split
Your markup is split on-chain at settlement and paid straight to your collector wallet — no invoicing, no chasing, no reconciliation.
Revenue Analytics
Watch your earnings and per-merchant performance update in real time as the money moves.
Multi-Merchant Dashboard
Create, configure, and monitor every merchant on your instance from a single operator view.
Dedicated Merchant Wallets
Each merchant designates their own cold wallet and gets a reference namespace — clean separation, automatic reconciliation, no commingled funds.
Merchant API Keys
Issue, scope, rotate, and revoke API keys per merchant. Every key is theirs alone.
Role-Based Access
Control exactly what each team member can see and do across the gateway.
Non-Custodial
Merchants always control their own funds. You operate the rails; you never hold the money — and never carry the custodial risk.
Zero Rolling Reserve
No reserve held back. Merchants receive their full settlement the moment the sweep confirms.
No Chargebacks
On-chain payments are final. No chargebacks, no disputes, no clawbacks weeks later.
No Deplatform Risk
You own the infrastructure. There is no account above you to lock, and no one who can switch you off.
Auto Reconciliation
Every payment carries a reference tag, so attribution and reconciliation happen automatically — no spreadsheets.
Merchant Onboarding
Add a new merchant in seconds, hand them their keys, and they are live.
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
