How is this different from CoinsPaid or Alphapo?

CoinsPaid and Alphapo are custodial. They collect funds into their own wallets and then settle to merchants. This creates a pool of funds that can be (and was) hacked. PYMSTR has no such pool.

What if PYMSTR goes down?

Your funds are in your wallet, not ours. Even if PYMSTR's infrastructure were completely offline, your existing funds are safe and accessible. You would only lose the ability to process new payments until service is restored.

Can PYMSTR freeze my funds?

No. We never have access to your funds. They sit in your wallet under your private keys. We cannot freeze, hold, or delay access to your money under any circumstances.

Feature

Your money never sits with us. It goes straight to your wallet.

PYMSTR never touches your money. Payments flow directly from customer to your wallet on-chain. Nothing to hack, nothing to freeze.

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The PYMSTR merchant dashboard: revenue, transactions, stablecoin and network volume

Why this exists

The problem

Most crypto processors collect your customers' payments into their own accounts first, then pay you out later. While they hold it, your money can be hacked, frozen, or delayed. CoinsPaid lost $44.5M this way across 2023 and 2024, and Alphapo lost $60M in 2023.

The solution

PYMSTR is non-custodial by design. We never hold, store, or have access to merchant funds. Payments flow directly from the customer's wallet to yours on-chain. There's no pool of funds for hackers to target, no intermediary that can freeze your account.

Three steps, on-chain.

Customer initiates payment

The customer signs in and selects their payment amount, stablecoin, and chain.

Payment executes on-chain

A smart contract transfers stablecoins directly from the customer's wallet to your wallet.

Funds arrive in your wallet

USDC or USDT arrives in your wallet in 2-15 seconds. PYMSTR never has access to these funds.

What you get.

Zero Hack Risk

PYMSTR has no pooled funds to steal. Even if our infrastructure were compromised, your funds are safe in your own wallet.

No Account Freezes

Custodial processors can freeze your account at any time. Non-custodial means your funds are always under your control.

Instant Access

No settlement delays. Funds are in your wallet the moment the transaction confirms. Use them immediately.

Reduced Regulatory Burden

Because PYMSTR never holds funds, the regulatory requirements are fundamentally different from custodial processors that need money transmitter licenses.

Short answers. No jargon.

Non-Custodial Architecture questions.

Non-custodial means PYMSTR never holds, stores, or controls your funds at any point. Payments flow directly from the customer's wallet to your wallet on the blockchain. We facilitate the transaction but never touch the money.

0.5% flat · We never hold your money

Add stablecoin payments to your checkout.

0.5% flat. No chargebacks. Money lands in your own wallet in seconds.