Zyrox

What Zyrox is

Zyrox is a non-custodial crypto payment gateway. Online businesses use it to take one-time and recurring payments in cryptocurrency, and every payment settles straight to the merchant's own wallet instead of passing through an account at the gateway. The service is operated by Zyrox Technologies, a software company that describes itself as neither a bank nor a money transmitter. Its team works remotely, and the contact page gives an office address in Chisinau, Moldova.

For a site operator the pitch is narrow and clear. Zyrox does not replace a card processor with another card processor. It offers a way to charge fan subscriptions, memberships and one-off purchases in crypto, with invoices, subscription schedules, retries and notifications handled on its side and the money held on the merchant's side. The about page names the audience as technical and semi-technical founders and operations leads, and lists creator and adult platforms among the businesses it serves, described as businesses that card processors refuse or overcharge.

What it sells an operator

2 billing modes make up the product. Subscriptions suit plans, memberships and access: the customer pays the first invoice, and Zyrox then charges every billing cycle in the same coin and network. Cycles can be daily, weekly, monthly or yearly, with an hourly interval offered for testing. Each subscription email carries a link to a customer page showing billing history and the next charge date, with a one-click cancel that stops future charges. One-time payments suit orders, top-ups and invoices: Zyrox generates a fresh receiving address for each invoice and marks it paid after network confirmations, so a payment can be matched to an order without address reuse.

Supported assets are ETH, USDT and USDC on Ethereum, Arbitrum, Base and Optimism, BTC on Bitcoin, and TRX and USDT on Tron. The merchant connects a wallet by pasting an xPub from MetaMask, Ledger, Trezor or any HD wallet, or by deriving it from a seed phrase in the browser, and the pages say the phrase never reaches the Zyrox server. Zyrox then derives a payment address for every invoice from that key.

Integration comes in 4 forms. Payment links need no code: a URL carries the amount and optionally the coin, network and billing period, and can be shared by email, messenger or QR code. A Stripe-compatible API lets a merchant keep the official Stripe SDK and change the API base URL; checkout sessions, customers, subscriptions and signed webhooks, including checkout.session.completed and invoice.paid, work as they did before, with merchant-specific API keys that can be rotated. A Zoho Invoice integration marks invoices paid when a payment confirms on-chain. A built-in Scrile Stream integration credits crypto deposits to customer balances on platforms running that software. Every flow can be tried on testnet by adding a test parameter to a payment link. The home page also lists hosting businesses on WHMCS among its audiences.

Fees, terms and the adult position

Pricing is short. In October 2026 the pricing section lists the service as free through December 31, 2026, then 0.5% of successful payments, with no setup fee, no monthly fee and no contract. The terms of service, last updated 10 May 2026, repeat that the platform fee is 0.5% of the transaction amount unless a separate written agreement applies, and add that network gas fees are paid separately on-chain by the party initiating the transaction.

Chargebacks and funds work differently from a card setup, and the pages are direct about it. On-chain transfers are final, so there are no chargebacks. Refunds are the merchant's decision and must be sent as a separate outgoing transaction from the merchant's own wallet. The terms say Zyrox does not custody, hold or control merchant or customer funds at any point, and the home page adds that it never has private keys and cannot move, freeze or withhold money. If an account is suspended, funds already settled to the merchant's wallet are not affected, because they were never held. The pages describe no reserve and no payout schedule, and the how-it-works page says there is no payout to wait for.

On adult content, the pages say 2 things. The comparison table on the home page marks adult and high-risk businesses as welcome, and a section for creator and adult platforms speaks of fan subscriptions with no processor that can shut an account down overnight. Adult content goes unnamed in the terms of service, either way. Their prohibited-use clause covers activities unlawful under applicable law, naming financing of terrorism, money laundering, fraud, sanctioned jurisdictions or entities, the sale of unlawful goods, child sexual abuse material and anything that violates third-party rights. They also reserve the right to suspend or terminate access to the dashboard, API or smart contracts if an account is used in violation of the terms or applicable law.

The merchant carries the compliance work. The terms make the merchant responsible for the lawfulness of its business in every jurisdiction where it operates, for KYC and AML, sanctions screening and tax obligations, for refunds, customer support and dispute resolution, and for the security of its own wallet and keys. Eligibility is limited to people at least 18 years old. The pages are silent on performer documentation, age verification, DMCA or abuse notice handling and any uptime commitment: the terms say the service is provided as is and that availability is not guaranteed. Liability is capped at the platform fees paid in the 12 months before a claim.

Getting started and support

Onboarding is described as 4 steps with no merchant account, no underwriting and no waiting for approval. The operator creates an account at the dashboard with an email address, adds one or more wallets, creates a merchant for each business or project so test and production stay apart, and picks an integration route. The merchant's name appears on its payment pages. The home page states that setup takes minutes.

When a recurring charge fails, Zyrox retries up to 5 times and emails the customer after each attempt. After 5 failures in a row the subscription pauses and the merchant gets an email. Support runs through an email address and a contact form. The contact page lists the topics it helps with: connecting a wallet and xPub, moving a Stripe integration to the Zyrox API, setting up subscriptions and webhooks, and choosing coins and networks for customers. No hours are given for that help desk.

Company

The pages give little company history. They do not state a founding year, a team size or named clients. What they do state is the operator, Zyrox Technologies, the remote working model, the Chisinau office address and the date of the current terms.

Who it suits

Zyrox is a payment option for adult sites, though not a processor in the card sense: it is a crypto billing layer that leaves custody with the merchant. It fits a creator or fan-subscription site, a paysite or a script-based platform with an audience willing to pay in USDC, USDT or Bitcoin, and a team that wants recurring billing without a reserve, an underwriting queue or a processor that can freeze an account. The Stripe-compatible API makes it a short move for a developer who already has Stripe code, and the Scrile Stream integration speaks directly to operators on that platform.

The limits are as clear. Customers must hold crypto and pay from a wallet, refunds are manual, and compliance duties such as KYC and tax sit with the merchant. Its strength is custody: money goes from customer to merchant wallet, with billing, retries and webhooks handled in between.