Merchant onboarding · stablecoin payments

Accept USDT / USDC
straight into your own wallet

PayRamHost gives merchants a crypto payment channel. Create payment links or integrate through the API. After a customer pays, funds are swept automatically to the cold wallet you choose. On-chain settlement means no chargebacks, and onboarding support is included.

Apply to onboard Read the docs

On-chain settlement, no chargebacks
Funds swept to your cold wallet
Ethereum, Base and Polygon supported

How a payment flows

Built for merchants

No servers or nodes to run. Once your account is open, configure your wallets in the dashboard and start collecting.

Funds go to your cold wallet

After a customer pays, funds are swept on-chain to the cold wallet address you designate. No manual transfers.

On-chain settlement, no chargebacks

Crypto payments cannot be reversed, so there are no card-style chargebacks. When a refund is due, you issue it yourself from the dashboard.

Multiple chains and coins

USDT, USDC, ETH and more on Ethereum, Base and Polygon. Tron and Bitcoin are planned.

Payment links and API

Create payment links without writing code, or integrate your site and app with the REST API and webhooks.

Multiple projects

Create several projects or stores under one account, each with its own API key, webhook and wallet.

Chinese docs and support

A bilingual menu glossary, a getting-started guide and integration examples. Onboarding is available in Chinese.

Start collecting in three steps

We review your business first, then open your account.

1
Submit an application
Tell us about your business and your receiving wallet address (you can add the wallet later).
2
Review and account setup
We check the business for compliance. Once approved we create your merchant account and send you the login details.
3
Configure and go live
Log in, set up your wallets, then create a payment link or integrate the API. We suggest a 1 USD test first.

Networks and coins

What you can actually use is shown in your merchant dashboard.

Network	Coins	Status
Ethereum	ETH, USDC, USDT, PYUSD, cbBTC	Supported
Base	ETH, USDC, cbBTC	Supported
Polygon	POL, USDC, USDT	Supported
Tron (TRC-20)	TRX, USDT	Planned
Bitcoin	BTC	Planned

Pricing

We charge a service fee on the payment amount. The rate can be set per project and per chain, and is confirmed to you in writing once your application is approved. The fee is split automatically on-chain, so there is nothing to settle separately.

Ask about pricing

The exact rate is confirmed in writing at onboarding
On-chain gas is paid from your own wallets and is not part of the service fee
We do not charge fees you have not agreed to beforehand

Integration options

From a simple payment link to a full API integration.

Payment linksEnter an amount in the dashboard and send the link to your customer.
REST APICreate payments, check status and reconcile with your own invoice IDs.
WebhooksReal-time payment status callbacks with signature verification and automatic retries.
Shopify / WooCommercePlugins are provided by PayRam; follow the official docs for setup.
TypeScript / JavaScript SDKA lightweight SDK for your backend.

curl -X POST https://pay.payramhost.com/api/v1/payment \
  -H "API-Key: <your_api_key>" \
  -H "Content-Type: application/json" \
  -d '{
    "customerEmail": "buyer@example.com",
    "customerID": "1001",
    "amountInUSD": 10
  }'

FAQ

Who holds my funds?

Customer payments are swept on-chain to the cold wallet you designate, and you keep the keys. We never ask for your private keys or seed phrase. One thing to know: the hot wallet that pays gas and sends payouts is one you prepare yourself, and its private key is stored encrypted on a server operated by the platform, so use a dedicated wallet and keep only a small balance in it.

Do I need to complete KYC?

We run a basic business review at onboarding to meet compliance and risk requirements. We will tell you which documents are needed after you apply.

Which coins and chains are supported?

Major stablecoins and native coins on Ethereum, Base and Polygon. Tron and Bitcoin are planned. See the table above.

How are fees calculated?

A service fee on the payment amount, confirmed in writing once you are approved. On-chain gas is borne by you, paid from your own master account and hot wallet, and is not part of the service fee.

What about refunds?

On-chain payments have no automatic chargeback mechanism. The merchant issues refunds manually from the dashboard or through the API, sending funds back to the customer address.

Which businesses cannot be onboarded?

Anything involving illegal activity, fraud, money laundering or sanctions evasion. See the full list on the Terms & risks page.

Ready to start collecting?

Submit an application and we will open your merchant account after review.

Apply to onboard

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Accept USDT / USDCstraight into your own wallet