Setting up your own crypto payment system?

Scorpion Ghost

Scorpion Ghost

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I've been receiving crypto payments on Coinpayments for years, and suddenly they want KYB, asking me for a bunch of info which I don't have. I just have a website and I sell services on it. There are no contracts, invoices, registered business, and all that insanity.

I sent them the info they requested and explained the situation, but they may reject me. And seeing as we're talking about crypto, not a bank, I'm tempted to create my own payment gateway thing for my website. Crypto is the one payment method where I don't have to deal with sending my dick pick while erect with a ruler next to it while standing on my head with my thumb in my mouth.

Did anyone set up their own payment gateway? Is it hard? Any advice?
 
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Setting up your own gateway isn't as bad as it sounds but "your own" is doing a lot of heavy lifting here. If you mean literally watching the blockchain for incoming payments to addresses you generate, thats very doable. You spin up something that derives a fresh address per order from an xpub, poll a node or an API for confirmations, then mark the order paid. BTCPayServer does exactly this and its self hosted, no KYB, no middleman holding your funds. Thats probably what you actually want instead of coding it from scratch.

The catch people forget is the boring stuff... you become your own support desk. Failed payments, wrong amounts sent, underpayments, guy sends after the rate moved and now hes 4 bucks short, chain fees eating small payments, exchange rate locking during the checkout window. Coinpayments ate all that for you. Not hard, just tedious and its on you now.

If you go BTCPay you can run it on a cheap VPS or even use one of the third party host options so you dont have to sync a full node. Monero + BTC + a couple stablecoins covers most people.

Honestly the KYB push isnt going away though, more of these processors are doing it every year, so learning to self host now is the right move regardless of whether coinpayments takes you back.
 
I've used NowPayments before and they're KYC free as far as I am aware. They rapidly route payments to your own wallet.

I would recommend BTCPay as well, but it's primarily built for BTC network and the Altcoin support is pretty flaky and sometimes too technical.

https://docs.btcpayserver.org/FAQ/Altcoin/

Also, the issues that @BidNomad pointed out are pretty spot on. Self serving things is more hassle than you'd like and unless you're doing crazy volumes in crypto, so much so that you can allocate resources to managing the payments, it's simply not worth the setup, infra and other efforts.

Also, I am just going to drop this here - please do your due diligence. I haven't used it, just heard of it and can see that it hasn't updated since November 2025.
 
Scorpion Ghost said:
Did anyone set up their own payment gateway? Is it hard? Any advice?
Click to expand...

It's not hard. I've had one built for a client. The thing is you gotta run the node software for each coin you accept.

So for Bitcoin for example. You run a Bitcoin node locally. Then there's a programming interface on that node. So when a customer needs to pay, your payment system talks to the Bitcoin node and requests a Bitcoin address. The node gives it to you. You save that address to the customer invoice. You then wire the Bitcoin node to monitor the address. When a payment comes into that address, the node signals your callback hook, your hook tells the payment system ow much has been deposited. You check it against the invoice and if OK you mark it paid after 3 confirmations (30 minutes). That's all there is to it.

Key points here

You need to keep this Bitcoin node running 24x7

And if your customer database is huge, the node address database hogs down rather quickly. You then need to scale it using custom solutions. Which is where I left the project, but pretty sure they outsourced it after a few years.
 
I've been building it for hours. Well, Claude has been building it, I've just been tingling his balls :D

It's ready, almost.

Coingecko for price/crypto, Etherscan for monitoring if payment has arrived, 60 minute window for client to send crypto from the moment they initiate a payment. Overpayments and underpayments dealt with manually.

I just did ETH-related chains for now, a few of them. Will expand to BTC and SOL and a few others once I confirm this all works...

If anyone wants to check it out, PM me (only trusted members with gigantic penises allowed) hahaha


Edit: to check my custom crypto gateway will require KYC and KYB. So you'll have to send a photo of you standing on your head, fully erect, one hand holds a ruler to confirm gigantism, another thumb in your mouth. Set your camera to take a photo after 30 seconds and put yourself in position
 
Scorpion Ghost said:
Edit: to check my custom crypto gateway will require KYC and KYB. So you'll have to send a photo of you standing on your head, fully erect, one hand holds a ruler to confirm gigantism, another thumb in your mouth. Set your camera to take a photo after 30 seconds and put yourself in position
Click to expand...

So exactly like the one I sent you last night?
 
BlogPro said:
So exactly like the one I sent you last night?
Click to expand...

Yeah it was nice I had a good time with it.

I mean, it's stored safely and securely and used only for verification purposes. It's is certainly NOT used for sexual deviant purposes. You can trust our company, dear sir :anyway::smirk:

Wanna check out my amazing crypto payment processor that's gonna out-compete them all and land me in prison for 100,000 years? :D
 
Still working on this. So much work to make it all perfect.
 
Setting up your own crypto payment system gives you more control, lower transaction fees, and faster global payments
 
why are you doing it like that haha

use an RPC provider that offers web hooks and use that instead of monitor the chain. i use alchemy.
you'll save a ton on api usage. this will automatically notify your script when a payment has been received.
use an SDK that let's the person connect with their wallet so the hard work is already done for you and their transaction is saved.
now you can see all clients/payments/time received/under or overpay/paid/returned/etc

  1. Buyer connects MetaMask (ETH via ethers.js) or Phantom (SOL via @solana/web3.js)
  2. Server creates a pending payment with a unique exact amount (base price + tiny dust so concurrent checkouts don’t collide)
  3. Wallet sends the transfer to your receive address
  4. Alchemy Address Activity webhooks hit your server — no chain polling
  5. Payment is marked paid → download unlock or thank-you redirect
 
Last edited:
plouyd said:
why are you doing it like that haha

use an RPC provider that offers web hooks and use that instead of monitor the chain. i use alchemy.
you'll save a ton on api usage. this will automatically notify your script when a payment has been received.
use an SDK that let's the person connect with their wallet so the hard work is already done for you and their transaction is saved.
now you can see all clients/payments/time received/under or overpay/paid/returned/etc

  1. Buyer connects MetaMask (ETH via ethers.js) or Phantom (SOL via @solana/web3.js)
  2. Server creates a pending payment with a unique exact amount (base price + tiny dust so concurrent checkouts don’t collide)
  3. Wallet sends the transfer to your receive address
  4. Alchemy Address Activity webhooks hit your server — no chain polling
  5. Payment is marked paid → download unlock or thank-you redirect
Click to expand...

Why would I spend money when I can do it for free?

There is barely any API usage. User initiates payment, my server pings API once every 60 seconds, for 60 minutes (or less if the payment arrives). And I receive very few crypto payments, so it's nothing.

The way I'm doing it, I will be notified immediately when the payment arrives on my address, and the client gets credited. I have 2 APIs (main and fallback) for getting USD/crypto price, and I'll have 2 APIs (main and fallback) for polling blockchain to confirm payment has arrived).

I didn't look into connecting wallets. Possibly I can set that up too with how I'm doing it, but I'll look into that later.

I can see all the clients payments/time/under/over/paid/returned and so on in my database, or I could build a page on my site where I can see those things more easily.

Most importantly, I'm using my own code for all of it, and it's free. No limitations, no costs.


Edit: And no fucking cocksucking KYC KYB suck my dick!!!
 
Scorpion Ghost said:
Why would I spend money when I can do it for free?

There is barely any API usage. User initiates payment, my server pings API once every 60 seconds, for 60 minutes (or less if the payment arrives). And I receive very few crypto payments, so it's nothing.

The way I'm doing it, I will be notified immediately when the payment arrives on my address, and the client gets credited. I have 2 APIs (main and fallback) for getting USD/crypto price, and I'll have 2 APIs (main and fallback) for polling blockchain to confirm payment has arrived).

I didn't look into connecting wallets. Possibly I can set that up too with how I'm doing it, but I'll look into that later.

I can see all the clients payments/time/under/over/paid/returned and so on in my database, or I could build a page on my site where I can see those things more easily.

Most importantly, I'm using my own code for all of it, and it's free. No limitations, no costs.


Edit: And no fucking cocksucking KYC KYB suck my dick!!!
Click to expand...
its the best approah TBH i did the same few years ago i generated like 10k address and kept all private keys with me only address were on database and assigned to new signup/orders from DB , rest was same kind of setup you are doing OP
 
Self-hosted BTCPay is what you are looking for. They even have plugins such as MakePAY that add support for ERC20 coins and others.
 
Scorpion Ghost said:
I've been receiving crypto payments on Coinpayments for years, and suddenly they want KYB, asking me for a bunch of info which I don't have. I just have a website and I sell services on it. There are no contracts, invoices, registered business, and all that insanity.

I sent them the info they requested and explained the situation, but they may reject me. And seeing as we're talking about crypto, not a bank, I'm tempted to create my own payment gateway thing for my website. Crypto is the one payment method where I don't have to deal with sending my dick pick while erect with a ruler next to it while standing on my head with my thumb in my mouth.

Did anyone set up their own payment gateway? Is it hard? Any advice?
Click to expand...
Why cant you get/use a private wallet and have them send their payment to your wallet address? It's private no one looking at or interfering with your transaction. If you have a business/website set up a manual transaction for crypto. When they go to pay have detailed instructions for the payment with your private wallet address and an email address for them to send the receipt to so you can verify the payment. No gateways, API, security issues with code, just a private payment address and a private transaction the way it was meant to be before the Jcrew smelled money and took it over.
 
bluecrab said:
Why cant you get/use a private wallet and have them send their payment to your wallet address? It's private no one looking at or interfering with your transaction. If you have a business/website set up a manual transaction for crypto. When they go to pay have detailed instructions for the payment with your private wallet address and an email address for them to send the receipt to so you can verify the payment. No gateways, API, security issues with code, just a private payment address and a private transaction the way it was meant to be before the Jcrew smelled money and took it over.
Click to expand...

Because then I have to check email, add funds manually, and people hate waiting, and I have too many things to do. Every click and second I can save and automate, is a victory.

Automating it is a win-win situation for all involved.

We're almost 10 days later, I've been creating it. I'm pretty much done, just working out the kinks now and perfecting what can be perfected (reduce RPC pings etc).
 
Ok you have a crypto payment system now or nearly. How you build something that talks to your bank account and gets the money out? Do you know how to do that yet? Otherwise you still have to register to a KYB gateway to get your internet monniez out no?
 
Panther28 said:
Ok you have a crypto payment system now or nearly. How you build something that talks to your bank account and gets the money out? Do you know how to do that yet? Otherwise you still have to register to a KYB gateway to get your internet monniez out no?
Click to expand...

I bought some PC components recently, paid with crypto, and in the end got a decent PSU left over. Paid about $58 for it.

Sold it for $75 today literally.. So I turned $58 of crypto into $75, and cashed out that money.

No KYB, no KYC, no penis photos and all the other stuff.

We'll figure something out
 
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