AI TOOL PROFILE
PayRam: Self-Hosted Payment Processing
- Finance and Accounting
- Payment Processing
- Small and medium e-commerce stores
- iGaming and Casino operators
- AI agent developers
- Businesses requiring self-custody of funds
- Marketplace operators
Pricing
Pricing was not clearly available from the provided evidence. Buyers should confirm current pricing on the vendor website.
At a glance
- Best for
- Small and medium e-commerce stores, iGaming and Casino operators, AI agent developers, Businesses requiring self-custody of funds, Marketplace operators
- Key use cases
- Private Commerce, AI Agent Payment Automation, Multi-Channel Storefronts, Stablecoin Settlement
- Integrations
- WhatsApp, Telegram, Discord, WordPress, React
- Official website
- Visit PayRam official website
How AI is used
PayRam is a self-hosted payment gateway for businesses that prefer to avoid traditional account approval processes and third-party interference. It allows merchants to deploy payment infrastructure on an Ubuntu server to accept both cryptocurrency and fiat card payments.
The tool is designed for e-commerce stores, marketplaces, and industries such as iGaming and casinos. It supports a card-to-crypto workflow where customers may pay via Visa, Mastercard, or Apple Pay, and the merchant receives the settlement in stablecoins such as USDC or USDT.
For those building autonomous commerce workflows, it includes an MCP-native integration that supports AI agents in managing the payment lifecycle, including generating invoices and checking balances.
Buyers should confirm they have the technical capacity to maintain a VPS with the recommended specifications (4 CPU cores, 4GB RAM) and note that because the tool is self-hosted, regulatory compliance is the responsibility of the operator.
Key Features
Card-to-Crypto Onramps
Supports customer payments via Visa, Mastercard, or Apple Pay, with funds settled to the merchant in USDC or USDT.
Self-Hosted Infrastructure
Deployed via a bash command on Ubuntu servers, allowing merchants to control their own data and wallets.
Non-Custodial Wallets
Funds are sent to the merchant's cold wallet without being held by the software provider.
MCP-Native AI Integration
Uses Model Context Protocol to allow AI agents to create payments, generate invoices, and check balances.
Multi-Chain Support
Supports 20+ tokens across networks including Bitcoin, Ethereum, Tron, Base, and Polygon.
Payment Widget
An embeddable 'Add Credit' script for use on HTML pages, React, or WordPress sites.
Use Cases
Private Commerce
Supporting businesses that require payment processing without third-party approval queues or account freezes.
AI Agent Payment Automation
Using AI agents via MCP to handle billing cycles, including generating invoices and verifying on-chain payments.
Multi-Channel Storefronts
Accepting payments across WhatsApp, Telegram, and Discord and settling them into a single unified wallet.
Stablecoin Settlement
Accepting various global currencies and card payments while settling in stablecoins.
Integrations
- Telegram
- Discord
- WordPress
- React
- Node.js SDK
FAQ
Do I need to undergo a KYC or KYB process to use PayRam?
- No, PayRam is self-hosted infrastructure and does not require a signup or KYB process because it does not custody funds.
What are the technical requirements for hosting PayRam?
- The recommended specifications are an Ubuntu 22.04+ server with 4 CPU cores, 4GB RAM, and 50GB SSD.
How do customers pay with credit cards if it is a crypto gateway?
- PayRam includes card-to-crypto onramps that allow customers to pay via Visa, Mastercard, or Apple Pay, which are then converted and settled to the merchant as USDC or USDT.
Source category: Finance & Accounting
Source subcategory: Payment Processing
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