Everything you need to know about PayGate.to — open-access payment infrastructure with no sign up, no KYC for merchants and no API keys. Accept cards and crypto, issue virtual cards, swap funds and settle instantly to your own wallet.
Getting started
PayGate.to is a complete high-risk payment infrastructure — not just a gateway. You can launch a card payment gateway, accept crypto payments, issue crypto-funded virtual credit cards, swap funds on a no-KYC crypto exchange, and generate payment links or crypto forwarding addresses in seconds. Every payment settles straight to your own wallet.
No. There is no sign up, no KYC/KYB for merchants and no API keys. You stay completely anonymous — you only supply your own self-custodial USDC (Polygon) wallet address to receive instant payouts.
If you use WooCommerce/WordPress, download our free plugin. If you use WHMCS, download our free module. For custom-coded sites, use our API docs — no API keys required. No website? Use our free payment link and invoice generator.
Yes. The platform is built specifically for high-risk merchants and offers instant approval for high-risk business models, with no rolling reserve and no chargebacks.
Yes — the gateway can be used on unlimited websites instantly, at no extra cost.
Payments & fees
Cards (Visa, Mastercard, American Express and Maestro), Apple Pay, Google Pay, SEPA and local bank transfers, plus cryptocurrency payments in Bitcoin (BTC), Monero (XMR), Solana (SOL), USDC, USDT and many other tokens across major chains.
PayGate.to's own fee is less than 1%; the rest is charged by the licensed payment provider and varies by provider and order amount (generally lower for larger orders). You can absorb the fees or pass them to the customer, and all fees are shown clearly during checkout.
For cards, minimum order amounts range from about $1 to $30 depending on the provider. Crypto payments have a per-coin minimum — sending less than the minimum can leave funds stuck in the receiving address.
Any merchant from any country can use the service without restriction. Customer payments are accepted worldwide except in a few restricted countries — please check each provider's own list.
Merchants never verify. Customers may be asked to complete a quick (~2 minute) ID verification during checkout for some providers, and some providers allow smaller orders without it.
Payouts & security
Instant. After each successful order the funds are sent automatically to your USDC (Polygon) wallet address.
No. We never hold or control your funds — payouts are fully automated and instant, so your money stays 100% in your own control.
No rolling reserve. You receive every payout in full, instantly, with each order.
Licensed payment providers handle 100% of any chargebacks. Your payouts arrive in USDC and are final and irreversible, so a completed payment cannot be clawed back from you.
Use any self-custodial EVM wallet — for example the Trust Wallet app with the SWIFT option. Payouts may arrive as USDC, USDT or ETH on Polygon or BEP-20, or as native POL; the same wallet receives them all. Never use an exchange deposit address.
The gateway is open and anonymous — there is no account to ban. As long as the service is running you can keep using it, provided you avoid the prohibited activities.
Crypto payments & exchange
Yes. The crypto payment gateway generates a unique receiving address for each order and forwards any amount above the minimum straight to your wallet, sending your site a callback so you can mark the order paid.
Our system still forwards the funds to you automatically. This recovery works for TRC-20 and all EVM-based chains across every supported token in our system.
Yes — you can swap between supported coins on our no-KYC crypto exchange, with the output sent straight to your wallet.
Virtual credit cards
They are crypto-funded Visa and Mastercard virtual cards (plus PayPal balance and Binance gift-card options) that you fund with USDT or other supported coins and redeem instantly using a redeem ID.
No KYC is needed to purchase a card. Activation may require a valid email, phone number and address; VPN use is not allowed by the issuers; and residents of restricted or sanctioned countries may be unable to activate or redeem.
Usually just a few minutes after payment. During periods of high demand or short supply it can take up to 48 hours. Pay the order within 10 minutes so the deposit is blockchain-confirmed in time.
White-label & custom domain
Yes. The whole stack can be white-labeled on your own custom domain — follow the custom domain guide to set it up without any KYC.
Yes. With the white-label affiliate setup you can add your own custom percentage commission on every transaction and earn from your sub-merchants.
Still have a question? Our team replies fast, 24/7.
Chat on Telegram →