Coldtill vs PayRam

PayRam and Coldtill look alike from a distance. Both are self-hosted crypto payment gateways that install with one command, need no sign-up or KYC, give every customer a deposit address and sweep to your cold wallet. Look closer and they're very different deals: PayRam takes a cut of every payment you keep, takes fewer chains directly and needs a connection to PayRam's servers. Coldtill can cost a one-time fee and nothing more.

The short answer: we couldn't find a case where PayRam is the better choice. Coldtill takes more coins directly, can cost nothing per payment and depends on nobody.

"Zero fees", then a cut of every sweep

PayRam's marketing and its docs don't agree on what it costs. In its own words:

Where PayRam says it	What it says
Blog: What is PayRam?	"0% core processing fees. The only costs are standard blockchain network fees (gas) and the merchant's own server hosting."
Blog: PayRam vs CoinRemitter	"Zero Fees … You receive 100% of the value of every single transaction."
Blog: PayRam vs BTCPay Server	Sweeping fees "can go up to 2.5%", and elsewhere in the same post "a transparent transaction fee of 0.4% to 0.5%"
Docs: General FAQ	"A flat 1%-5% fee on settlement, when funds are withdrawn to the cold wallet."

That's four different prices. The "optional" sweep is how a payment gets from its deposit address to your cold wallet, so in practice the fee applies to every payment you keep, and PayRam doesn't publish what decides where in the 1%–5% range you land.

Coldtill's prices are on the pricing page and in the EULA, and they're the same everywhere:

Edition	Price	Fee per sweep
Free	$0	2%
Standard	$499 once	1%
Pro	$999 once	None, ever

Bitcoin and auto-converted payments carry no fee in any edition.

At $20,000 a month in sales, a 2.5% fee is $6,000 a year. Coldtill Pro costs $999 once and pays for itself in under two months.

Side by side

	Coldtill	PayRam
Fees	Free (2%), Standard $499 once (1%), Pro $999 once (no fee); no fee on Bitcoin or auto-converted payments	Advertised as 0%; docs say 1%–5% of funds settled to your cold wallet
Coins	200+ coins on 35+ chains	"20+ tokens", by its own count
Coins accepted directly	BTC, ETH, SOL, TRX, BNB, POL, USDT and USDC on Ethereum, Base, Polygon, BNB Chain, Tron, Solana and Bitcoin	Ethereum, Base, Polygon, Tron and Bitcoin
Solana and BNB Chain	Accepted directly into your own deposit addresses and settled to your wallet on that chain	Through a third-party bridge, settled as USDC on Base
Any coin in, stablecoins out	Yes: 200+ coins on 35+ chains arrive as USDC or USDT in your own wallet	Bridged chains only, as USDC on Base
Deposit addresses	Contracts (Ethereum-style, Tron) and program accounts (Solana) that can only pay your cold wallet	Smart-contract wallets on Ethereum-style chains and Tron
Bitcoin	Your wallet's own addresses, by public key, no app needed	Swept with the PayRam mobile app
Vendor connection	None. No licence server, no kill switch; the only call home is an update check you can turn off	The install sets a PayRam server URL that the docs say must not be changed or removed "or PayRam will not work"
Payouts	Address book, limits, two-factor and an emailed code for anything large	Allow-list, second approver and email code
Tron	Energy rental instead of burning TRX on sweeps	Pays network fees in TRX
Card payments	Not offered	Third-party on-ramps; customers complete KYC

Bugs from PayRam's own release notes

Every gateway ships bugs, Coldtill included. What matters is what kind of bugs, and how much of your money they can reach. These all come from PayRam's release notes and are listed there as fixed:

Wallet v2.7.0, 6 October 2026: "scanning certain payment QR codes could send your funds to the token's contract address instead of the person you meant to pay." PayRam advised users to double-check recent payments.
Core v3.9.0, 7 October 2026: closed "a rare path where a stuck payout's automatic recovery could pay out twice", and payout limits now "hold exactly as configured".
Core v3.8.2, 24 September 2026: on Tron, "about one wallet in 256 was stored without its network prefix", so nothing deployed or swept "and a customer's deposit could sit stuck".
Core v3.1.4, 18 June 2026: "API keys are now encrypted at rest", meaning they weren't before.
Core v3.1.2, 12 June 2026: merchant webhooks became signed with HMAC-SHA256. Until then your store checked a plain API key sent in a header, which anyone holding the key could forge. The webhook docs still send that legacy header.
Wallet (Mobile) v2.5.0, 20 April 2026: "the insecure RNG fallback has been removed entirely" from the wallet app used for Bitcoin sweeps.

Coldtill signed its webhooks with HMAC from day one, never puts API keys or customer-deposit keys where the web-facing API can read them, and publishes its threat model, security model and advisories.

What PayRam has that Coldtill doesn't

Card payments, through third-party on-ramps. Your customers complete KYC with the on-ramp, and PayRam still takes its 1%–5% when the funds settle.
A Shopify connector and an MCP server for AI agents. Coldtill has a WooCommerce plugin, a REST API and a TypeScript SDK.

Which should you choose?

Coldtill, if you want a price that's the same on every page, deposit addresses on seven chains that can only pay your cold wallet, 200+ coins through auto-convert, and a server that keeps working without anyone's permission. Download Coldtill free or see pricing.