PayRam is a self-hosted, non-custodial crypto payment processor that empowers merchants with total financial sovereignty. Accept stablecoins and major assets on Polygon and other chains with 0% fees, No KYC, and instant settlements. Designed for the agentic economy, it features native support for x402, ERC-8004, and MCP, ensuring your business is unbannable and ready for AI-driven machine-to-machine commerce.
PayRam is a self-hosted, non-custodial crypto payment processor for merchants and AI agents.
- for
- Merchants, AI agents, and developers needing private, permission-less crypto payments.
- pricing
- contact sales
works withMetaMaskCoinbaseBinancePhantom
Key features
8 features of PayRam
- Self-hosted deployment — Deploy the gateway on your own server in ~10 minutes with a single command.
- Permanent customer addresses — Each customer gets a unique, free, permanent deposit address.
- SmartSweep auto-consolidation — Balances are automatically swept to your cold wallet when thresholds are met.
- Card-to-crypto onramp — Accept card payments that are instantly converted to crypto across 40+ currencies.
- Multi-chain support — Process stablecoins and major assets on Polygon and other supported chains.
- Developer SDK & API — Integrate via pre-built connectors and API snippets for rapid checkout integration.
- Analytics & ledger — Built-in dashboard provides real-time P&L, transaction logs and compliance reporting.
- Zero KYC/KYB — No signup, approvals or identity verification required for merchants or agents.
Use cases
- E-commerce sites accepting stablecoin payments without third-party custodians.
- AI agents that need autonomous crypto and card payment handling.
- iGaming platforms requiring permission-less, uncensorable payment flows.
- Global SaaS businesses needing multi-currency settlement with self-custody.
PayRam vs alternatives
 PayRam |  Stripe |  Polar |  Paddle |  Lemon Squeezy | |
|---|---|---|---|---|---|
| Best for | Self-hosted crypto payments with full custody | Hosted SaaS payments | Open-source billing | Merchant-of-record SaaS | Hosted subscription billing |
| Pricing | Contact sales | Subscription | Subscription | Subscription | Subscription |
| DevHunt upvotes | 1 | 0 | 0 | 0 | 0 |
| Launched | Sep 2027 | — | — | — | — |
- PayRam vs Stripe: Stripe is a hosted SaaS payment platform with custodial processing, while PayRam is self-hosted and non-custodial.
- PayRam vs Polar: Polar provides open-source billing components but focuses on invoicing, whereas PayRam offers a full payment gateway with crypto support.
- PayRam vs Paddle: Paddle acts as a merchant of record with tax handling, while PayRam gives merchants full custody and no KYC.
- PayRam vs Lemon Squeezy: Lemon Squeezy offers hosted subscription billing, whereas PayRam is a self-hosted crypto payment processor with zero fees.
PayRam FAQ
How do I get started and how fast can I go live?+
Embed the provided API snippets and you can accept crypto payments in under an hour; the self-hosted node can be up in ~10 minutes.
What is the transaction limit?+
PayRam offers unlimited transactions with enterprise-grade scalability, supporting 20+ tokens.
What are the minimum server requirements?+
Ubuntu 22.04+, 2 CPU cores (4 recommended), 6 GB RAM (8 GB recommended), and at least 15 GB disk space.
Which cryptocurrencies and stablecoins are supported?+
Supports 20+ tokens including USDC, USDT, Bitcoin, Ethereum, Solana, Tron and new tokens added monthly.
Is there a demo or trial?+
Yes, you can book a free 1:1 demo to see the gateway in action and test checkout flows.
Summarized by DevHunt from payram.com · Oct 8, 2026. Details may change; check the official site.
