Labuan FSA — PSO Licensed

Payments. Connected. Global.

The First Non-Custodial Crypto Payment Gateway

The regulated cryptocurrency payment gateway built for merchants who demand security, compliance, and total control. Accept digital assets globally — zero settlement fees.

Platform Features

Built for merchants.
Regulated by design.

PayNora delivers everything merchants need to accept, process, and reconcile crypto payments — securely and compliantly under the Labuan FSA framework.

Multi-Crypto Acceptance

Accept BTC, ETH, TRX, ADA, XRP, DOGE, USDT, USDC and more through a unified acquiring gateway — one integration, all blockchains.

Non-Custodial Settlement

Your funds go directly to your wallet. PayNora never holds or controls your assets — just provides the processing, verification, and compliance layer.

AML / CFT Compliance

Every merchant and transaction is screened via Shufti Pro KYB and AMLBot blockchain risk scanning — meeting AMLA 2001 and FATF standards.

Merchant Dashboard

Full transaction visibility, daily reconciliation reports, webhook alerts, and a centralized back-office — everything in one place.

REST API Integration

Plug PayNora into your existing stack using our clean REST API. Sandbox environment, test addresses, and dedicated integration support included.

Dispute & Refund Handling

Structured workflows for refunds, underpayments, expired invoices and blockchain delays — backed by a dedicated merchant support team.

How It Works

From onboarding
to settlement in 4 steps

01

Apply & KYB Verification

Submit your merchant application. Our compliance team screens your business via Shufti Pro and AMLBot blockchain risk analysis.

02

API Integration

Receive your Merchant ID, API keys and sandbox access. Test your integration with our emulator before going live.

03

Accept Payments

PayNora generates unique invoices and payment addresses per transaction. Your customers pay via any wallet — direct to you.

04

Instant Settlement

Funds settle directly to your merchant wallet. Daily reconciliation reports and monthly fee invoices are issued automatically.

Merchant Onboarding Status
KYB Verification
Shufti Pro + AMLBot screening
Active
Application reviewComplete
KYB documentsComplete
API integrationIn progress
Live activationPending
Settlement goes directly to you
Non-custodial. PayNora never holds your assets.
Supported Assets

Every major digital
currency, covered.

Offer your customers the widest choice of payment methods. All processed through a single, compliant acquiring infrastructure.

BTC
Bitcoin (BTC)
ETH
Ethereum (ETH)
TRX
TRON (TRX)
XRP
Ripple (XRP)
ADA
Cardano (ADA)
DOGE
Dogecoin (DOGE)
USDT
USDT (Tether)
USDC
USDC (Circle)
+
More coming soon
Compliance & Regulation

Regulated where
others aren't.

Most crypto payment processors in Asia operate without a license. PayNora is built on a fully regulated foundation.

  • Licensed Payment System Operator (PSO) under Labuan FSA
  • Full KYC/KYB via Shufti Pro — directors, UBOs and entity verification
  • AMLBot blockchain screening on every merchant wallet and transaction
  • Compliant with AMLA 2001 and FATF recommendations
  • Ongoing Suspicious Transaction Reporting (STR) obligations met
  • Technology Risk Management and BCP/DRP policies in place

Regulatory Framework

Multi-layer compliance architecture protecting every transaction

Labuan FSA
AMLA 2001
FATF Compliant
AMLBot
Shufti Pro
KYC / KYB
AML / CFT
Non-Custodial
STR Filing
Cloudflare WAF
2FA
IP Whitelisting
Merchants onboarded by PayNora are subject to risk-based due diligence. High-risk merchants undergo Enhanced Due Diligence (EDD) before activation.
Accept Crypto Payment Easy and Secure

Self-custody and Security

PayNora operates as a non-custodial gateway — you retain full control of your funds at every step, backed by enterprise-grade compliance infrastructure.

Non-Custodial Payment Processing

PayNora operates as a non-custodial payment gateway, which means it doesn't hold or control your funds. Merchants retain full control over their cryptocurrency assets and can use any wallet — including hardware wallets — to receive payments directly.

Non-custodial payment processing

AML-Screened & Compliant by Default

Every transaction is scanned via AMLBot blockchain risk analysis, ensuring only clean funds flow through the network. Our Labuan FSA PSO licence means your business operates under a fully regulated framework — not a grey zone.

AML compliance screening

Support for All Major Digital Assets

PayNora supports multiple blockchains — from UTXO-based networks like Bitcoin to account-based models like Ethereum and TRON — giving merchants the ability to accept 9+ crypto assets through a single, easy-to-use interface.

Supported crypto assets

Low Fee, Transparent & Privacy-Respecting

At under 1% per transaction with zero settlement fees, PayNora delivers lower costs than traditional payment rails. Merchants operate with full fee transparency — no surprises on your monthly invoice.

Low transparent fees
Checkout Experience

Simple Crypto Payments
for Your Customers

Your customers can pay with crypto in just a few clicks — no friction, no confusion.

01
Choose a crypto

Choose a Crypto

Customer selects their preferred cryptocurrency at checkout — from BTC and ETH to USDT and more.

02
Send payment

Send Payment

A unique payment address is generated for the transaction. Your customer sends crypto from any wallet — directly to you.

03
Instant receipt

Instant Receipt

Payment settles directly to your merchant wallet. Both you and your customer receive instant confirmation — no intermediary, no delay.

Designed by Developers for Developers

Easy Integration

Embed PayNora's regulated crypto payment gateway with just a few lines of code. Start accepting digital assets today and expand your market instantly.

JavaScript
// Create a PayNora payment invoice const response = await fetch('https://api.paynora.io/v1/invoice', { method: 'POST', headers: { 'Authorization': `Bearer ${MERCHANT_API_KEY}`, 'Content-Type': 'application/json' }, body: JSON.stringify({ amount: '120.00', currency: 'USD', crypto: 'USDT', order_id: 'ORD-20240612', webhook_url: 'https://yoursite.com/webhook' }) }); const { payment_address, expires_at } = await response.json(); // Redirect customer to payment_address

Clean REST API

A single, well-documented endpoint to create invoices, query status, and handle webhooks. Sandbox environment and test addresses included.

Webhook Notifications

Receive real-time payment confirmations, underpayment alerts, and expiry events via signed webhooks — no polling required.

Compliance Built-In

AML screening and KYB verification happen automatically at the infrastructure level — no extra compliance work needed on your end.

Dedicated Support

Integration specialists available to walk you through setup, test scenarios, and go-live activation — from sandbox to production.

Pricing

Simple. Transparent. Predictable.

No hidden fees. No custodial risk. One straightforward rate that keeps your margins intact.

Transaction Fee
<1%
per processed transaction · zero settlement fees
  • Zero settlement fees to your wallet
  • Network gas fees paid by end users
  • Monthly invoice — pay by bank or crypto
  • Full daily reconciliation included
  • Merchant dashboard & API access included
  • Dedicated support & compliance coverage
Apply for Merchant Access

Ready to accept crypto
the regulated way?

Join the growing network of merchants using PayNora to accept digital asset payments securely, compliantly, and globally.

Contact Our Team Explore Features