Non custodial crypto payments

How non-custodial checkout differs from custodial processors

Custodial gateways often receive payments into processor-controlled addresses, then credit an internal balance you withdraw later. That introduces counterparty risk, withdrawal delays, and sometimes additional verification to move funds.

CXPay is non-custodial: when a payer completes checkout, funds settle directly to the payout wallet address you provide at sign-up. CXPay does not operate merchant hot wallets, sweeps, or pooled balances for your sales. You remain in control of the wallet that receives each payment.

Configure your payout wallet once

At sign-up you provide a payout wallet address alongside your business name. That destination is used for settlement across hosted checkout, links, and invoices unless you update it in account settings.

Merchant sign-up requires an email and password (or sign in with your existing CoinExchange account), a business name, and a payout wallet address. CXPay does not collect government ID, proof of address, business phone numbers, or KYB documents for onboarding. You are responsible for understanding obligations that may apply to your business in your jurisdiction.

Screening uses a manual address blocklist rather than holding funds in escrow. Merchants remain responsible for compliance choices that apply to their business and region.

Operating treasury with direct payouts

Because funds arrive in your wallet, reconciliation pairs CXPay payment IDs with on-chain receipts. Webhooks such as payment.succeeded and payment.confirming give your systems timely signals.

Refunds are merchant-initiated sends through CXPay tooling—they are not automatic chargebacks. Train support staff that crypto lacks card-network reversal mechanics.

CXPay charges 1% on standard checkout, 0.5% when the payer selects the CXCASH rail (private, gas-free payments on Aztec via cxcash.app), and a $0.30 minimum fee per payment. There is no setup fee, monthly fee, or application fee in the product. Ethereum and Bitcoin network fees are shown to the payer at cost on those rails.

Supported chains for non-custodial acceptance

Supported networks and assets today: Ethereum (ETH, USDC, USDT, DAI); Base (ETH, USDC, DAI — USDT is not supported on Base); Arbitrum (ETH, USDC, USDT); Optimism (ETH, USDC, USDT, DAI); Polygon (MATIC, USDC, USDT, DAI); Tron (TRX, USDT TRC20); Solana (SOL, USDC, USDT); Bitcoin on-chain (BTC) and Bitcoin Lightning (BOLT11); and CXCASH (gas-free private payments via cxcash.app).

CXCASH on Aztec offers gas-free payer UX via cxcash.app while still settling to your configured wallet path on the CXPay rail.

When non-custodial fits

Teams already using self-custody hardware or multisig wallets often prefer non-custodial gateways to avoid trapped balances. If you require fiat bank settlement, CXPay is not a match—compare alternatives on our provider pages.

Read how CXPay compares to BitPay, Coinbase Business, and NOWPayments on fee structure, verification, and custody model.

Configure webhook endpoints to receive signed POST requests when payment state changes. Parse the cxpay-signature header, reject stale timestamps outside the five-minute tolerance, and return quickly while processing asynchronously. Failed deliveries retry and may dead-letter; use dashboard delivery logs to diagnose URL typos, TLS issues, or application errors on your side.

The merchant dashboard and GET /reports/payments help you filter by status and time range. Download GET /exports/payments.csv when finance needs a spreadsheet-friendly view. Pair exports with webhook-driven order updates so internal systems stay aligned with on-chain settlement. Because CXPay does not hold balances, your wallet history and CXPay reports together form the reconciliation trail.

Implementing non-custodial checkout

Server integrations should create payment intents with Idempotency-Key headers, persist the returned intent ID on your order row, and only mark paid after payment.succeeded verifies on your webhook handler. Test keys let you exercise the full lifecycle without touching live balances. WooCommerce merchants request the official plugin through the contact form and configure API base URL plus webhook secrets before going live.

Merchants who educate payers about exact amounts and quote expiry see fewer support tickets. Publish your accepted assets and networks on your store policy page and link to CXPay asset guides. When customers pay with ETH or BTC, remind them that network fees appear separately from the CXPay merchant fee. For audiences comfortable with Aztec, highlight CXCASH as a gas-free alternative through cxcash.app.

Start accepting crypto payments

Create a merchant account with email, business name, and your payout wallet. No ID documents required.

Questions about this page

Does CXPay ever hold my sales in a pooled wallet?

CXPay is designed for direct payout to your merchant wallet. It does not operate merchant hot-wallet sweeps for your proceeds.

Can I change my payout wallet later?

Update your payout wallet in merchant settings before accepting new payments so future settlements route correctly.

Is non-custodial the same as anonymous?

No. Non-custodial describes fund flow, not identity. CXPay still associates payments with your merchant account and may block listed addresses.

Are there monthly custody fees?

There is no monthly fee in CXPay. You pay per-payment fees only.