Your Business. Your Keys. The Non-Custodial Standard. Eliminate Chargebacks. Save 90% on fees, To democratize global commerce by providing a trustless, non-custodial payment infrastructure that returns full financial control to the merchant.
Fixed On-Chain Split
Custodial Risk
Zero Monthly Fees
Enter any transaction amount to simulate how KayPay routes 99.2% directly into your merchant wallet while automatically sending 0.8% to the platform gateway in a single transaction.
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Architected for complete merchant sovereignty, operational privacy, and zero maintenance overhead.
Your funds go directly from the buyer to your personal wallet. Server database stores zero private keys—only public derivation paths (`xpub`).
Natively routes 99.2% to your wallet and 0.8% to the gateway platform operator within a single transaction. No billing balances needed.
BIP32/BIP44 derivation generates unique, isolated sub-addresses for every invoice, preventing third parties from mapping your total wallet balance.
No monthly server fees or recurring subscription costs. Simply sign up on our website and start processing payments instantly.
Compare KayPay against custodial payment gateways and legacy merchant solutions.
| Feature / Metric | 🚀 KayPay | Coinbase Commerce | BitPay | Crypto.com |
|---|---|---|---|---|
| Processing Fee | 0.8% Fixed Split | 1.0% | 1.0% | 0.5% - 1.0% |
| Custody Standard | High, 100% Non-Custodial | Medium, Custodial | Medium, Custodial | Custodial |
| Pre-Paid Merchant Fuel Balance | NO (On-the-Fly Split) | N/A | Required | Required |
| Address Privacy (BIP44) | Unique Address per Invoice | Reused / Shared | Reused / Shared | Reused / Shared |
| Minimum Payout Amount | No Limit (Instant Direct) | No Limit | No Limit | Limited |
| Monthly Subscription Fee | $0 / Month | $0 - $25/mo | Custom Plan | Monthly Fee |
Easily integrate KayPay into your online store or custom tech stack in under 1 minute.
Explore how KayPay derives addresses, routes multi-output split transactions, and maintains maximum security posture.
When a customer clicks checkout, KayPay derives a sequential address using the merchant's stored Extended Public Key (xpub). Private keys are never touched.
// Address Derivation Routine (Node.js / Python)
function generateInvoiceAddress(merchantXpub, addressIndex) {
// m/44'/0'/0'/0/index
const node = bip32.fromBase58(merchantXpub);
const child = node.derive(0).derive(addressIndex);
const { address } = bitcoin.payments.p2pkh({ pubkey: child.pubkey });
// Increment database counter for next order
return { address, index: addressIndex + 1 };
}
Everything you need to know about accepting crypto payments with KayPay.