# Non-Custodial Crypto Payment Processor

Funds direct from payer to merchant wallet. There is no account to freeze.

Plaitr is non-custodial by architecture. Never holds merchant funds. Payments route on-chain from customer wallet straight to merchant wallet. Plaitr observes the confirmation and bills a flat monthly fee.

## Custodial vs non-custodial
- Custodial (BitPay, Coinbase Commerce, NOWPayments, CoinGate): processor holds funds, account-freeze possible, KYC required, 1-2 day settlement.
- Non-custodial (Plaitr, BTCPay Server): merchant wallet receives directly, no freeze possible, no KYC, same-day on-chain settlement.

Canonical: https://www.plaitr.com/non-custodial-crypto-payment-processor