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Adult Crypto Payments · Editorial review

PayRam review: self-hosted USDT payments for adult sites

payram.com

PayRam is crypto payment software that merchants install on their own server, with no signup and no business verification. It takes BTC, ETH, USDT and USDC across five networks, turns Visa and Mastercard payments into stablecoins, and keeps its pricing private.

Self-hostedNo KYCStablecoinsCard to cryptoMass payouts

Our verdict on PayRam

PayRam fits an adult site that has been dropped by a processor before and wants stablecoin checkout no third party can freeze, provided someone on the team can run a Linux VPS and look after wallet keys. There is no account to open, card buyers can still pay, and funds land in the merchant’s own cold wallet.

The catch is cost. PayRam charges a fee on payments but does not publish it, and the site names no company. Its mobile apps are published on the App Store by Mojo Nation Ltd. Get the rate in writing before you route revenue through it.

PayRam homepage, a self-hosted payment gateway, with its live checkout demo
PayRam

PayRam for adult and high-risk sites

PayRam has a dedicated page for adult businesses, built around payments with no ID checks, no chargebacks and no processor that can close the account. Since the software runs on the merchant’s server and settles on-chain, there is no PayRam account to suspend. PayRam is clear that “no KYC” only means there is no PayRam account to verify: the site’s own KYC, AML and licensing duties still apply, whether it is based in the US, the UK or elsewhere.

What fees does PayRam charge?

PayRam does not publish a price: its commercial terms are discussed privately. It does take a fee, since its affiliate program pays “up to 20%” of the fees PayRam earns from referred merchants. Add a VPS at roughly $20 to $40 a month. For comparison, BTCPay Server, the open-source alternative, charges nothing.

Card payments and supported tokens

Customers can pay by Visa or Mastercard and the merchant receives stablecoins, with no card acquirer to onboard. PayRam lists 175 payment methods for this card-to-crypto onramp. On-chain, it takes BTC, ETH, USDT and USDC on Bitcoin, Ethereum, Tron, Base and Polygon, plus PYUSD, for more than 20 tokens. Lightning is not supported. A crypto-to-bank off-ramp to USD, EUR, AED or INR is still on a waitlist.

Where the money goes

Each customer gets a permanent deposit address of their own. Smart contracts then sweep balances on-chain into a cold wallet only the merchant controls, ideally a hardware wallet. The server stores only public addresses, never deposit keys, and a small hot wallet holding ETH, POL or TRX covers gas for the sweeps. Nobody can freeze those funds, and nobody can recover them if the keys are lost.

Setting up PayRam

Rent an Ubuntu 22.04 VPS with two CPUs from Hetzner, AWS, Google Cloud, Azure or Hostinger, point a domain at it and run the one-line installer. It sets up Docker, PostgreSQL and a free Let’s Encrypt certificate in about ten minutes. A free WooCommerce plugin connects a WordPress store. Development is active: version 3.8.2 shipped in September 2026, with a release log going back to February 2024.

Paying models and affiliates

PayRam also sends payouts from the merchant’s wallet, by hand or through the API. Every payout goes through maker/checker approval, a one-time password and an allow-list of verified recipients, with hourly and daily limits that stop unusual amounts. On-chain payouts are final.

PayRam strengths and limitations

Strengths

  • No account to open and nothing to freeze.
  • Deposit keys kept off the server, with automatic sweeps to cold storage.
  • Native USDT and USDC on Tron, Base and Ethereum.
  • Card payments settled in stablecoins.

Limitations

  • No published pricing.
  • No company named on the site.
  • A server to maintain and keys to protect.
  • No bank off-ramp yet.

PayRam vs BTCPay Server

BTCPay Server is also self-hosted and charges no fee, under the MIT licence, but it is built for Bitcoin and Lightning and reaches stablecoins only through plugins. PayRam handles USDT on Tron and USDC on Base natively, without a Bitcoin node, at a price it does not disclose.

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