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Accept Bitcoin (BTC) payments without KYC

The reserve asset of crypto payments

Bitcoin remains the asset long-time crypto users keep for paying: a meaningful share of VPS and dedicated-server orders still arrives in BTC, especially from buyers who avoid custodial exchanges entirely.

ZeroKYC Pay treats BTC the UTXO way: every invoice gets its own unique address, derived from your BIP84 xPub on the direct plan or issued from the platform pool on transit. Rates refresh every 15 minutes until the first detection so volatile-market quotes stay honest, then freeze for the life of the invoice.

Networks & confirmations

NetworkAssetConfirmationsTime
BitcoinBTC2 blocks~20 min

Addressing modes

Transit

ZeroKYC Pay issues payment details from its own pool and auto-sweeps to your payout address after confirmations. 1% + network fee.

Direct (non-custodial)

Payments go straight to your wallet: BIP84 xPub — classic UTXO matching: a fresh address per invoice, watched by our UTXO indexer with a second provider as fallback. A transaction seen in the mempool before expiry stays valid.

Create an invoice for BTC

curl -X POST https://api.zerokyc-payments.com/v1/invoices \
  -H "Authorization: Bearer pk_test_..." \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: order-1042" \
  -d '{
    "amount": 49.00,
    "base_currency": "USD",
    "payment_currency": "BTC",
    "order_id": "order-1042"
  }'

Replace the API key with your pk_test key from the console. Full flow in the quickstart.

Bitcoin (BTC) payment FAQ

How long does a BTC payment take to confirm?

We require 2 block confirmations — typically about 20 minutes. The buyer sees payment.detected as soon as the transaction hits the mempool, and your webhook fires on the confirmed state.

What if the BTC rate moves while my customer is paying?

The quoted amount refreshes every 15 minutes until the first detection; after that it is frozen no matter what the market does. An invoice paid at the frozen amount confirms; a payment below the required amount minus tolerance lands as underpaid.

Do you support Lightning?

Not in the MVP — on-chain BTC only for now. Lightning is on the roadmap; subscribe to the blog or Telegram for the announcement.

Can I sweep small BTC payments economically?

Transit BTC sweeps are batched by a $50 threshold or hourly schedule, so the network fee is amortized across payments instead of eating small invoices. On the direct plan there is nothing to sweep — payments land in your wallet directly.

Start accepting Bitcoin (BTC) today

Create an account, paste your payout address or connect a wallet, and generate your first BTC invoice in minutes. Want to accept BTC plus everything else? Set payment_currency=any and let the buyer choose the coin at checkout.

Get started