Paymento
A non-custodial crypto payment gateway that lets merchants accept 4,000+ crypto assets straight to their own wallet, with no middleman ever holding the funds.
🔗 Visit Paymento
Description
Accepting cryptocurrency payments usually means trusting a payment processor to briefly hold your customers' funds before passing them to you — which reintroduces exactly the kind of middleman crypto was supposed to remove, and adds a company that could freeze or lose your money. Paymento takes a different approach: it's non-custodial, meaning payments go straight from a customer's wallet to yours, and Paymento itself never takes custody of the funds at any point. Any business can accept over 4,000 crypto assets across multiple blockchains, either through a full checkout integration or just by sharing a payment link — no website or coding required at all.
Technically, Paymento supports both UTXO-based chains like Bitcoin and account-based chains like Ethereum, and offers no-code plugins for WooCommerce, Shopify, OpenCart, WHMCS, Ecwid, BigCommerce and Magento alongside a developer API for custom integrations. It also supports Buy Now, Pay Later-style installment payments backed by DeFi lending protocols, letting a buyer borrow against crypto collateral to pay now. New merchants get $15 in free credit, enough to process roughly $3,000 in transactions before any fees apply, and transactions require no KYC on the payment-processing side.
💬 Our review
The short version: if you want to accept crypto payments without a middleman ever holding your funds, and you're comfortable with the extra complexity crypto brings, Paymento's non-custodial model and $15 free credit make it a low-risk way to try it out.
Against custodial gateways like Coinbase Commerce or BitPay, Paymento's real differentiator is that it never takes custody — funds go directly wallet-to-wallet, which some merchants will value for control and others will find adds friction (no dispute mediation from Paymento itself if something goes wrong, since it's not holding the money). The no-code plugins for major e-commerce platforms make it genuinely easy to bolt onto an existing Shopify or WooCommerce store, and payment links mean you don't need a website at all to start accepting crypto. The honest caveat: crypto payment volume for most small merchants is still a small fraction of total sales, so this is best treated as an additional payment option to capture a niche audience, not a primary payments strategy — and the specific fee structure beyond the free credit isn't clearly published, so get a concrete quote before committing serious volume.
💰 Pricing
📊 Global score
🤖 AI-enriched data
15$ de crédit gratuit offert (~3000$ de transactions), structure de frais précise au-delà non détaillée publiquement.
Pros
Non-custodial : les fonds vont directement au portefeuille du marchand
Support de 4000+ actifs crypto
Liens de paiement sans site web requis
Plugins no-code pour Shopify, WooCommerce, Magento, etc.
Cons
Structure de frais au-delà du crédit gratuit peu détaillée publiquement
Pas de médiation de litiges possible (Paymento ne détient jamais les fonds)
Le paiement crypto reste marginal pour la plupart des petits commerces