Crypto Payment Gateway, non-custodial, $0 fees · Shieldz

Shieldz, a non-custodial crypto payment gateway, $0 fees

Shieldz is a non-custodial crypto payment processor built by Deniz Yanbollu (@dnzynbl) and the LeoKit team. Accept USDC and USDT across Base, Arbitrum, Optimism, Polygon, and Ethereum, plus native Bitcoin and shielded Zcash, with $0 platform fees and no KYC to start. For direct settlement, payments go straight from your buyer's wallet to your own, and Shieldz only watches the chain and tells you it landed. If a buyer pays in a different coin, the conversion runs through independent, non-custodial swap protocols and the settled token still lands in your own wallet. Either way Shieldz never holds your money, never asks you to connect a wallet or approve a token, and never asks for your seed phrase or private key, so it cannot drain or freeze your funds.

What is a crypto payment gateway?

A crypto payment gateway lets a business accept cryptocurrency and reliably receive what it is owed. Most gateways are custodial: they take the payment into their own accounts, deduct a fee, and pay you out later on their own schedule, which means a balance that can be frozen and a provider that can change its terms. Shieldz is different. It is non-custodial, so payments are never pooled with a third party. The buyer pays to an address that belongs to you, Shieldz confirms the payment on-chain, and the money is already yours. There is no withdrawal step, no payout delay, and no platform cut.

How Shieldz works

You give Shieldz a public receiving key or wallet address. For each order it derives a payment address that belongs to you, shows your customer a hosted checkout, watches the blockchain, and notifies your server the moment the payment settles with a signed webhook. If the buyer pays in a coin other than your settlement token, the conversion runs through independent, non-custodial routing (NEAR, Chainflip, and Relay via the LeoKit aggregator) and the final stable token still lands in your own wallet. You can integrate in three ways: a hosted checkout with no code, a Stripe-style REST API with official SDKs for Node, Python, Rust and PHP, or a free WordPress plugin for WooCommerce, Easy Digital Downloads and GiveWP.

Accept crypto anywhere you sell

Shieldz fits online stores, digital products, subscriptions, donations, freelance invoices, and tip jars. The same keyless engine also powers AI agents: an agent can turn a wallet address into a working payment link or tip jar in a single call over the Model Context Protocol, with no account and no API key. Buyers pay with Bitcoin, USDC, USDT, Ethereum, Solana, Litecoin, Dogecoin, shielded Zcash and more, and you settle to a stable asset like USDC on the chain you choose. Because settlement is final and on-chain, there are no chargebacks and no card-network fees.

Common questions

Is it really free? Yes. There is a $0 platform fee on every payment. You pay only the coin's ordinary network gas, and for pay-with-any-coin the underlying swap protocol charges a small spread that Shieldz never takes.

Is it safe and non-custodial? Yes, and it is verifiable. Shieldz only ever stores a public receiving key, an extended public key, or a view-only key, so it can watch and derive addresses but can never sign, spend, or freeze your funds. You can confirm this yourself on the verify page.

Do I need to sign up or pass KYC? No. You can create a keyless payment link or tip jar from just a wallet address, and claim a full merchant dashboard later if you want one.

Key facts

Pages

Build with Shieldz (open-source)

Accept crypto. Keep every cent.

Payments route straight from your buyer's wallet to yours, Shieldz never touches the money. No fees, no chargebacks, no one freezing your account. Start in 60 seconds.

Start free $0 Read the API docs

12 receive rails · We never hold your funds · No KYC to start

We never touch the money

Buyer's wallet

They pay from any of 12 supported rails.

Your wallet

Funds land directly. No middle account.

Shieldz only routes the transaction, it can't hold, freeze, or skim your funds.
Try it live {{ tiModeLabel }}

Create a real invoice now.

Paste a receiving address, set an amount, and watch a payment route straight back to your wallet.

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Read-only, no signature, no app to connect, we never move your funds.

Your live invoice, QR, pay link, and settlement status, appears here.
S
Shieldz Pay
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Amount
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Pays to {{ tiAddrShort }}
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Scan, or share the payment link.
Claim this link →

Buyers pay from any wallet, MetaMask · Phantom · Rabby · Zashi · Sparrow , anything that speaks BIP-21 / ZIP-321 / EIP-681.

The status quo

Card rails were built to take a cut, and to hold your money.

Every card processor skims 2–6%, sits on your payouts for days, and can freeze or ban you on a whim. Chargebacks let a buyer take the product and claw back the cash. And if you sell anything they don't like, you're out, no appeal.

Crypto was supposed to fix this. Most "crypto gateways" just rebuilt the same trap: they custody your funds, charge a percentage, and make you withdraw on their schedule.

Shieldz doesn't hold anything.

The honest answer

How is it actually free?

Because we never touch the money. A Shieldz payment goes buyer's wallet → your wallet, directly, we just watch the chain and tell you it landed. There's no balance to skim, no payout to delay, no account to freeze.

We don't take a cut of your payments, you keep 100%. Free accounts show one brief sponsored card on the "payment confirmed" screen while funds settle; that covers our servers and nodes. Want an unbranded checkout? Pro is $99/year and turns ads off.

100%
You keep every unit your buyer sends.
You only ever pay the network's gas fee, the same one you'd pay sending crypto anyway.

How it works

Live in 60 seconds.

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Why merchants switch

Everything card rails won't give you.

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Settlement

Final settlement,
in under a second.

Webhooks confirm the on-chain transfer, Shieldz validates amount, recipient, token, and reference, then the invoice updates to SETTLED with a final receipt.

0.8s
Update
$0.0007
Network fee
SETTLED
State
12 rails
Coverage
S
Shieldz Pay
INV-8F20
SETTLED
Amount received
$128.50
Webhook
0.0s
Validation
0.4s
Invoice
0.8s
Checks
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{{ c.value }}
Receipt
Final

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The comparison

What you're paying today, vs Shieldz.

vs. card processors

Capability
Card processors
Stripe / PayPal
Shieldz
Non-custodial
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vs. other crypto gateways

Capability
Crypto gateways
Coinbase Commerce, BitPay…
Shieldz
Non-custodial
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Honest note: you don't need 4,000 long-tail assets to accept payments, and it doesn't worth giving your custody to other gateways for this.

Who it's for

Built for people the banks keep saying no to.

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Twelve receive rails

The assets people actually pay with.

BTC, shielded Zcash, and USDC/USDT across five chains. Buyers pay what they hold; you settle to one token.

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Infrastructure

Built on rails that don't sleep.

The networks and tooling quietly routing and settling every payment under the hood.

LeoKit

Routing, settlement and wallet tooling, the quiet backbone of every Shieldz payment.

Developers

A Stripe-shaped API, minus the cut.

Create an invoice, send your customer to the hosted checkout, get a signed webhook when it's paid. Keys, webhooks, idempotency, the boring stuff done right.

Read the docs
create-invoice.sh
POST /api/v1/invoices
{
"amount_usd_cents": 4999,
"memo": "Pro plan"
}
→ { "pay_url": "https://shieldz.cash/pay/…", "status": "pending" }

Pricing

One price. Free, forever.

$0 / forever

Unlimited invoices, tips, donations and fundraisers across all 12 rails, with no transaction fees, ever.

Start free

FAQ

Questions, answered.

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Explore the Shieldz universe

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Shieldz Non-custodial · Feeless

Stop renting your own revenue.

ShieldZ

Keep 100%, control your funds, and start taking crypto in the next minute.

© 2026 Shieldz · Feeless · Non-custodial · No chargebacks, we never touch the money.