A non-custodial OxaPay alternative
NormiePay is an OxaPay alternative for merchants who want their crypto payments to land directly in a self-custody wallet. Every checkout is settled on-chain by a smart contract, so there is no processor wallet holding your revenue and nothing to withdraw.
| NormiePay | OxaPay | |
|---|---|---|
| Custody of funds | Non-custodial — a smart contract pays your wallet directly | Custodial — processor-held balance |
| Assets | USDC on Base & Polygon (customer picks at checkout) | Multiple coins & networks |
| Over/underpayment | Automatic on-chain refund of over/underpayments | Varies |
| Chargebacks | None — on-chain settlement is final | None |
| Fees | Flat 2% (3.5% on Telegram/Discord memberships), no monthly fee | Low % plus network |
| Integration | Payment links, buy buttons, REST API, signed webhooks | API, plugins, invoices |
Your wallet, not a processor wallet
The core difference is where the money lives. NormiePay commits each payment to a fixed on-chain split in advance and pays your wallet the instant funds arrive — there is no intermediary balance, so freezes and payout delays are off the table.
No-code or full API
Sell with a shareable payment link or a paste-anywhere buy button, or integrate the REST API and signed webhooks for full control. Either way, settlement is identical and non-custodial.
FAQ
Is NormiePay non-custodial?
Yes — payments settle on-chain directly to your wallet via a smart contract. NormiePay never holds, freezes, or forwards your funds.
Do I need to write code?
No. Payment links and buy buttons require zero code. An API and webhooks are there when you want to automate access or reconcile programmatically.
Which stablecoin and chains?
USDC on Base and Polygon, with the customer choosing the network at checkout.