Non-Custodial Direct Wallet Payments
Crypto payments go directly to your own wallets. CloudPaya never holds your funds — you maintain full self-custody. Your keys, your coins, your business.
The Payment Gateway Alternative to Stripe — Powered by Crypto
Stripe, PayPal, and Paddle don’t support businesses in many countries across Africa, MENA, and other restricted markets. CloudPaya solves this: accept payments globally using cryptocurrency — no bank account required, no geographic restrictions, no middleman holding your funds.
Whether you’re a SaaS company, e-commerce store, freelancer, or digital service provider — if traditional payment processors don’t serve your country, CloudPaya gives you instant access to global payments through crypto. Direct wallet settlement means you control your funds from day one.
Why Choose CloudPaya as Your Crypto Payment Gateway
Enterprise-grade cryptocurrency payment processing with the simplicity of a modern SaaS platform.
Instant Crypto Settlement
No waiting days for payouts. Cryptocurrency payments settle directly to your wallet as soon as they’re confirmed on the blockchain. Instant settlement, zero delays.
Real-Time Payment Dashboard
Monitor all cryptocurrency transactions, customer details, payment statuses, and analytics in a clean, intuitive dashboard built for payment processing.
Crypto Payments REST API
Full REST API with 40+ endpoints to create transactions, manage checkout sessions, and automate cryptocurrency payment workflows programmatically.
Webhook Payment Notifications
Receive instant HTTP POST notifications when crypto payments are confirmed, enabling your application to react automatically to payment events.
Multi-Currency & Multi-Chain Support
Set prices in any fiat currency (USD, EUR, GBP, etc.) with automatic real-time exchange rates. Accept payments across Ethereum, BSC, Tron, Solana, and Polygon networks.
Lowest Fees — Starting at 0.5%
No monthly fees, no setup costs, no hidden charges. Tiered pricing: 0.5% + $2 for $1,000+, 0.8% + $1 for $100–$999, 1% + $0.30 under $100. One of the lowest rates in cryptocurrency payment processing.
JavaScript Checkout Widget
Embed a beautiful crypto checkout directly on your website with a single line of JavaScript. No redirects, no iframes — seamless payment experience.
No KYC Required
As a non-custodial payment gateway, CloudPaya doesn’t require KYC verification. Start accepting cryptocurrency payments immediately after sign-up.
How to Accept Crypto Payments on Your Website
Start accepting cryptocurrency payments in four simple steps — no technical expertise required.
Create Free Account
Sign up for your free CloudPaya account in seconds. No credit card required, no approval process.
Add Wallet Addresses
Enter your Bitcoin, Ethereum, USDT, and other cryptocurrency wallet addresses in the dashboard.
Integrate Your Platform
Use our plugins for WordPress, WooCommerce, Shopify — or integrate via REST API and JavaScript widget.
Receive Crypto Payments
Customers pay in their preferred cryptocurrency. Funds settle directly to your wallets instantly.
Crypto Payment Solutions for Every Business
From SaaS platforms to e-commerce stores — CloudPaya’s cryptocurrency payment gateway fits your business model.
💻 Crypto Payments for SaaS Platforms
Accept cryptocurrency subscription payments for your SaaS product. Use the REST API to automate billing, handle upgrades, and manage payment webhooks. Ideal for software companies that need a fast crypto payment processing API.
🛒 Crypto Payment Gateway for E-Commerce
Add Bitcoin, USDT, and 50+ cryptocurrency payment options to your online store. Ready-made plugins for WooCommerce, Shopify, PrestaShop, Magento, and OpenCart deliver seamless checkout integration.
🌍 Payment Gateway for Unsupported Countries
Stripe, PayPal, and traditional processors don’t serve your country? CloudPaya works globally through crypto — no bank account needed. The best payment gateway alternative to Stripe for businesses in Africa, MENA, South Asia, and other restricted markets.
👨💻 Crypto API for Developers
Build custom cryptocurrency payment integrations with 40+ REST API endpoints, webhook notifications, and comprehensive Swagger documentation. Perfect for developers building crypto payment solutions.
🏢 Accept Payments in Africa & MENA
Digital businesses across Algeria, Nigeria, Kenya, Egypt, Morocco, UAE, and other markets use CloudPaya to accept crypto payments globally. No geographic restrictions, no currency conversion issues — just instant, borderless cryptocurrency transactions.
📝 Freelancers & Digital Services
Accept cryptocurrency payments from international clients using payment links — no website or coding required. Share a link, get paid in Bitcoin, Ethereum, or USDT. Perfect for freelancers and consultants.
CloudPaya vs Stripe vs Traditional Payment Processors
See why businesses choose CloudPaya as their crypto payment gateway over traditional processors.
| Feature | CloudPaya | Stripe | PayPal |
|---|---|---|---|
| Accept 50+ cryptocurrencies | ✓ Yes | ✗ No | ✗ No |
| Non-custodial (direct wallet) | ✓ Yes | ✗ No | ✗ No |
| No KYC required | ✓ Yes | ✗ No | ✗ No |
| Available globally (all countries) | ✓ Yes | ✗ 47 countries | ✗ Limited |
| No bank account needed | ✓ Yes | ✗ Required | ✗ Required |
| Instant settlement | ✓ Direct to wallet | ✗ 2-7 days | ✗ 1-5 days |
| Transaction fee | 0.5% + $2* | 2.9% + $0.30 | 2.9% + $0.30 |
| Monthly fee | $0 Free | $0 | $0 - $30 |
| REST API | ✓ 40+ endpoints | ✓ Yes | ✓ Yes |
| E-commerce plugins | ✓ 8 platforms | ✓ Many | ✓ Many |
Crypto Payment Gateway Integrations & Plugins
Ready-to-use cryptocurrency payment plugins for the most popular e-commerce and web platforms.
WordPress
Shortcode & Gutenberg block for crypto payments
WooCommerce
Full cryptocurrency checkout gateway
PrestaShop
Crypto payment module
Magento 2
Cryptocurrency payment extension
OpenCart
Crypto payment extension
WHMCS
Crypto invoice billing gateway
Easy Digital Downloads
Digital goods crypto gateway
Shopify
Liquid snippet for crypto payments
Crypto Payments API for Developers
Build custom cryptocurrency payment integrations with CloudPaya’s REST API. Create transactions, manage checkout sessions, track payment statuses, and automate your crypto payment workflow with 40+ API endpoints and full Swagger/OpenAPI documentation.
- ✓ Simple API key authentication
- ✓ Webhook notifications on payment events
- ✓ JavaScript checkout widget for embedding
- ✓ Swagger/OpenAPI documentation
- ✓ Multi-chain transaction support
// Create a cryptocurrency payment transaction POST https://cloudpaya.com/api.php { "function": "create-transaction", "amount": 49.99, "currency_code": "USD", "cryptocurrency_code": "btc", "title": "Pro Plan Subscription", "api-key": "your_api_key_here" } // Response — transaction created { "response": [1234, 0.00058, "bc1q..."] }
Frequently Asked Questions About Crypto Payment Processing
Everything you need to know about accepting cryptocurrency payments with CloudPaya.
What is CloudPaya and how does it work?
CloudPaya is a non-custodial SaaS cryptocurrency payment gateway that enables businesses to accept Bitcoin, Ethereum, USDT, Solana, and 50+ other cryptocurrencies. When a customer makes a payment, the cryptocurrency is sent directly to your own wallet address — CloudPaya never holds your funds. You sign up, add your wallet addresses, integrate using our REST API, plugins, or JavaScript widget, and start receiving crypto payments immediately.
How do I accept crypto payments on my website?
There are three ways to accept crypto payments with CloudPaya: (1) Use our ready-made plugins for WordPress, WooCommerce, Shopify, PrestaShop, Magento, OpenCart, WHMCS, or Easy Digital Downloads. (2) Integrate via the REST API — create transactions, manage checkouts, and receive webhook notifications programmatically. (3) Use the JavaScript checkout widget to embed a crypto payment form directly on your page. All methods support 50+ cryptocurrencies with automatic exchange rate conversion.
What is the best crypto payment gateway for SaaS businesses?
CloudPaya is purpose-built for SaaS businesses. It offers a complete REST API with 40+ endpoints for creating transactions, managing checkout sessions, handling subscription-style payments, and automating workflows via webhooks. Tiered transaction fees (0.5% + $2 for $1,000+, 0.8% + $1 for $100–$999, 1% + $0.30 under $100) with no monthly costs make it cost-effective for SaaS companies at any scale. It also works as a Stripe alternative for SaaS businesses in countries where Stripe is not available.
Is CloudPaya a Stripe alternative for unsupported countries?
Yes. CloudPaya is specifically designed as a payment gateway alternative to Stripe for businesses in countries where Stripe, PayPal, and other traditional processors are not available. This includes countries across Africa (Algeria, Nigeria, Kenya, Ghana), MENA (Egypt, Morocco, Tunisia), South Asia, and other restricted markets. Since CloudPaya uses cryptocurrency for payment processing, it works globally without requiring a local bank account or merchant approval.
What cryptocurrencies does CloudPaya support?
CloudPaya supports 50+ cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Tether USDT (ERC-20, TRC-20, BEP-20), Solana (SOL), XRP, Litecoin (LTC), Dogecoin (DOGE), BNB, Tron (TRX), Cardano (ADA), Polygon (MATIC), Avalanche (AVAX), USD Coin (USDC), and many more. Multi-chain support covers Ethereum, Binance Smart Chain, Tron, Solana, and Polygon networks.
How much does CloudPaya cost?
CloudPaya is completely free to start. There are no monthly fees, no setup costs, and no hidden charges. Tiered per-transaction fees: 1% + $0.30 for amounts under $100, 0.8% + $1.00 for $100–$999, and 0.5% + $2.00 for $1,000+. Compare this to Stripe’s 2.9% + $0.30 per transaction.
Does CloudPaya require KYC verification?
No. CloudPaya is a non-custodial crypto payment gateway — it never holds your funds. Cryptocurrency payments go directly from the customer to your wallet. Because of this architecture, no KYC verification is needed. You can create an account and start accepting crypto payments within minutes.
Can I accept crypto payments without a bank account?
Yes. CloudPaya only needs your cryptocurrency wallet addresses to process payments. No bank account, no merchant account, and no approval from traditional financial institutions required. This makes it the ideal payment solution for businesses in countries with limited banking infrastructure or restricted access to international payment processors.
What is a non-custodial crypto payment gateway?
A non-custodial crypto payment gateway routes payments directly from the customer’s wallet to the merchant’s wallet without the gateway ever taking custody of the funds. CloudPaya generates unique payment addresses linked to your wallets, so cryptocurrency goes straight to you. This eliminates counterparty risk, eliminates payout delays, and means your funds are never frozen by a third party.
How does CloudPaya compare to other crypto payment gateways?
CloudPaya stands out with its combination of non-custodial direct wallet settlement, the lowest tiered fees starting at 0.5% + $2, support for 50+ cryptocurrencies across multiple blockchains, 8 platform plugins (WordPress, WooCommerce, Shopify, PrestaShop, Magento, OpenCart, WHMCS, EDD), a full REST API with 40+ endpoints, and zero geographic restrictions making it available worldwide including in countries not served by Stripe or PayPal.