Non-custodial crypto payments
Crypto payments.
Directly to your wallet.
Accept crypto without giving up control. Payments move directly from your customer's wallet to yours — Unheld never holds them, and never takes a cut.
No custody. No withdrawals. No bridge.
- 0% transaction fees
Pricing is a flat subscription by transaction count; no percentage of value, anywhere.
- Fixed subscription pricing
Tiers are sized by monthly transaction count — the same price whether you move $5k or $5m.
- No custody
Funds land on addresses derived from the merchant wallet; the platform never receives them.
- No private key access
The recovery phrase is generated in the browser and never sent to a server; only the watch-only public key is stored.
- No withdrawals
There is no balance to withdraw — the money is already on the merchant address when it lands.
- No bridge
Payments move straight from the payer to your address, with nothing in between to hold or forward them.
Unheld is a non-custodial crypto payment gateway that lets merchants accept BTC, ETH, USDC, USDT, POL, and BNB across supported networks — paid directly to wallets only the merchant controls, with flat subscription pricing and no percentage fees — through a no-code dashboard, shareable payment links, and a REST API.
Your money does not pass through us.
When a customer pays an Unheld invoice, the money lands on an address derived from your own wallet. Unheld stores only the public, watch-only part — it cannot move, freeze or lose your funds, because it never has them.
And because your money never passes through us, we never take a percentage of it. Pricing is a flat subscription based on how many transactions you process, so the cost of a $100,000 invoice is the same as a $10 one. You keep 100% of every payment.
- Custodial processors can freeze payouts.
- Percentage fees scale with your success.
- Sharing a raw wallet address gives you no amounts, no statuses, no records.
How it works
Three steps, in order.
- 01
Connect a wallet you generated yourself
The secret recovery phrase is created in your browser and never leaves it. Unheld receives only the watch-only public key it needs to recognise your addresses.
- 02
Create an invoice
Pick the chain, the asset and the amount. You get a payment link to share, or a checkout button to drop on a page you already have.
- 03
Get paid, and get told
The payer sends from any wallet. You are notified when the transaction is detected, and again when it has enough confirmations to be final.
Live as of August 2026
Supported networks and assets.
The exact mainnet and testnet combinations currently enabled for payments.
Unheld, a custodial processor, and a raw address.
| Property | Unheld | Custodial processor | Raw wallet address |
|---|---|---|---|
| Who holds the funds | You, always | The processor | You, always |
| Fee on the amount | None | ~0.5–2% | None |
| Payouts can be frozen | No | Yes | No |
| Amount and status tracked | Exactly | Yes | No |
| A fresh address per invoice | Yes | Varies | No |
| Notified on payment | Webhook + dashboard | Yes | No |
Competitor fee range is indicative and changes; check the processor's current pricing page. Network fees are paid by the payer to the blockchain in every column.
Questions
Answered plainly.
Can I accept crypto payments without writing code?
Yes — create an invoice in the Unheld dashboard, choosing the chain, asset and amount, then share the payment link anywhere and get notified when it is paid and confirmed. No website and no code are required. If you would rather embed a button on a page you already have, checkout buttons produce a hosted payment page from the same invoice.
Does Unheld hold my money?
No. Payments go directly to addresses derived from your own wallet, and Unheld stores only your watch-only public key — it cannot spend, freeze or lose your funds because it never has them. Your secret recovery phrase is generated in your browser and is never sent to any server.
Which cryptocurrencies can I accept?
Bitcoin, Ethereum, Base, Polygon PoS, BNB Chain, Lisk, Tron, Solana and XRP Ledger. The supported-currencies and testnets pages list every exact network-and-asset combination, so you can choose the right production or sandbox environment before integrating.
How much does Unheld cost?
A flat subscription based on how many transactions you process — never a percentage of the amount. Whether an invoice is $10 or $100,000 the cost is the same, and you keep 100% of every payment. Network fees are paid by the payer to the blockchain itself, not to Unheld.
What happens if a customer pays the wrong amount?
Unheld tracks it exactly. Every invoice carries a precise amount status — unpaid, underpaid, paid or overpaid — updated per transaction, with a webhook and a dashboard status for each case. Partial payments accumulate, so a second transfer can complete an underpaid invoice.
When is a payment final?
Payments are detected within seconds and confirmed after a per-chain safety threshold. You are notified at both stages — once when the transaction appears, and again when it has been confirmed deeply enough to be considered final.
Can I charge on a recurring basis?
Yes, without ever holding a card or pulling funds. Each subscriber gets a permanent deposit address derived from your wallet; when they pay the plan amount, Unheld detects it and renews the period, sending you a webhook so your app grants access. A missed period expires the subscription instead of charging anyone.
Get paid without handing over your money.
Test invoice creation, detection, confirmations and webhooks without using production funds.
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