OxaPay

OxaPay is a cryptocurrency payment gateway founded in 2019 that allows businesses, freelancers, and developers to accept crypto payments without managing blockchain infrastructure directly. The platform supports more than 20 digital assets—including Solana (SOL)—across multiple networks: Ethereum, Tron, BNB Chain, Polygon, Bitcoin, and Solana. Its core value proposition is accessibility: merchants can create an account with only an email address, obtain an API key, and begin processing payments within minutes, with no KYC or KYB documentation required and no setup fees.

How It Works

OxaPay operates as a hosted payment processor that sits between a merchant's website, application, or Telegram bot and the blockchain. When a customer initiates a crypto payment, OxaPay generates an invoice or payment address denominated in the selected currency, monitors the blockchain for confirmation, and notifies the merchant via webhook. The merchant receives the funds in their OxaPay account and can withdraw to an external wallet or enable automatic conversion.

The platform offers three primary integration paths:

Merchant API: A RESTful interface covering invoice creation, payment status queries, payout initiation, static address management, account balance checks, and real-time rate retrieval. Developers receive a Merchant API key from the dashboard and can build fully custom payment flows into any application or backend service.

No-code tools: For merchants who prefer not to write code, OxaPay provides a web-based invoice generator, shareable payment links, embeddable donation buttons, and a Telegram invoice bot. These tools require no programming knowledge and produce invoices that customers can pay in any of OxaPay's supported currencies.

Pre-built plugins: OxaPay maintains official plugins for WooCommerce, Easy Digital Downloads, Gravity Forms, Paid Memberships Pro, and WHMCS. The WooCommerce plugin, available from the WordPress plugin directory and its GitHub repository, adds a crypto payment option at checkout and handles confirmation and order status updates automatically.

Solana Integration

OxaPay accepts SOL—Solana's native token—as a payment currency across all of its product surfaces: invoices, payment links, static addresses, POS transactions, and automated payouts. The platform highlights Solana's fast finality and low transaction costs as advantages for merchants who want to avoid the latency and fee spikes associated with Ethereum or Bitcoin during periods of congestion.

A notable Solana-specific feature is OxaPay's Web3 Pay integration. Rather than requiring customers to copy a wallet address or scan a QR code, Web3 Pay allows Solana wallet holders to connect their wallet directly to an OxaPay invoice, confirm the payment amount, and complete the transaction in seconds. This wallet-connect flow is also supported for EVM chains, Bitcoin, Tron, and TON. For Solana merchants, the practical benefit is a reduction in failed checkouts caused by address entry errors or payment amount mismatches.

Key Merchant Features

Auto Convert: Merchants can configure OxaPay to automatically convert incoming payments—including SOL—to USDT, eliminating exposure to crypto price volatility. This is particularly useful for businesses that price goods in fiat and cannot absorb short-term swings in asset value.

Fee Paid by Payer: Merchants have the option to pass the 0.4% processing fee to the customer rather than absorbing it themselves, ensuring they receive the full invoiced amount.

Underpaid Coverage: OxaPay accepts invoices paid slightly below the requested amount, which reduces failed transactions caused by minor rounding differences in wallets or exchange rate shifts during the payment window.

Mixed Payment: Customers can split a single invoice payment across multiple supported cryptocurrencies, which broadens the pool of customers who can complete a transaction without first acquiring a specific coin.

Static Addresses: Merchants can generate persistent wallet addresses that remain consistent for a given customer or payment channel, simplifying reconciliation for subscription businesses or repeat purchasers.

Mass Payouts: The payout API supports bulk transfers, making OxaPay suitable for platforms that distribute crypto earnings to multiple recipients—freelance marketplaces, affiliate networks, or gig economy services.

White-Label Gateway: OxaPay offers a white-label solution that allows businesses to present a fully branded payment experience to their customers. The white-label option carries the same no-KYC policy as the standard product, which simplifies deployment for businesses operating in jurisdictions with light compliance requirements.

Telegram Wallet: OxaPay includes a Telegram-integrated wallet with swap functionality, enabling merchants and their customers to manage balances and convert between supported assets within the messaging app.

Fee Structure and Access

OxaPay's published transaction fee is 0.4%, which it describes as among the lowest in the crypto payment gateway market. There are no setup fees, monthly fees, or KYC barriers to entry. Withdrawal costs vary with prevailing network fees on the relevant blockchain. The platform offers 24/7 live support and is available in eight languages, reflecting a user base that spans multiple regions.

Security Model

OxaPay operates as a custodial processor: funds received pass through OxaPay's infrastructure before being withdrawn to a merchant's external wallet. The platform does not publish detailed public information about its custody model, insurance, or audit history, which is a consideration for merchants weighing counterparty risk against the convenience of a hosted solution. Merchants concerned about custody can use the static address or White Label features to minimize the time funds rest on the platform.

Solana Ecosystem Fit

OxaPay's inclusion in the Solana ecosystem is primarily driven by its SOL payment support and the Web3 Pay wallet-connect feature. For Solana-native businesses—DeFi protocols distributing rewards, NFT marketplaces, dApp teams offering paid services, or Solana-focused e-commerce operators—OxaPay provides an off-ramp path where end users can pay in SOL and merchants can optionally convert those proceeds to stablecoins automatically. The platform also handles Solana payouts, meaning businesses can distribute SOL programmatically to multiple addresses through its payout API.

Unlike Solana Pay (the open-source payment protocol developed by the Solana Foundation), OxaPay is a commercial hosted gateway with a fee structure and a broader multi-chain scope. Merchants choosing OxaPay are selecting for simplicity, plugin availability, and no-code tooling over the self-sovereign, fee-free model of pure on-chain payment protocols.

Team and Background

OxaPay was founded in 2019. The team does not maintain a prominent public profile, and no named founders or leadership appear in the company's public documentation or marketing materials as of mid-2026. The company has not publicly disclosed funding rounds. It operates independently as a bootstrapped or privately funded business. Community reviews on third-party platforms are mixed, with users citing responsive support and reliable payouts as positives, and occasional complaint resolution delays as negatives.