How to Start Accepting Payments Without an LLC or Sole Proprietorship in 7 Hours

Who Can Use the Service Without an LLC or Sole Proprietorship

This format may be suitable for the following types of projects:
- services for purchasing Telegram Stars through websites and Telegram bots;
- VPN services with or without their own website;
- online courses and information product businesses;
- hosting providers of different sizes;
- SIM card and virtual number rental services;
- SMS reception and account activation services;
- Telegram bots and mini apps;
- SaaS services;
- subscription-based online projects;
- digital goods and game keys;
- digital product marketplaces;
- gaming services;
- subscription and gated content services;
- AI aggregators;
- AI operators and automated online services;
- AI chats and services for the adult segment;
- software stores;
- pharmaceutical businesses, dietary supplements, peptides, and sports supplements;
- other low-risk and medium-risk online projects.

Being included in this list does not guarantee automatic approval. Connection availability depends on the project content, GEO, traffic sources, payment model, and review results.
Even if your business area is not listed, you can still submit an application. A manager will review your project and explain which solutions are available.

How the Risk Category Is Determined

PayHot works with low-risk and medium-risk merchants.
After the review, each project is assigned a risk category. It affects:
- available payment acceptance methods;
- commission rates;
- transaction limits;
- settlement times;
- available withdrawal methods;
- website and document requirements;
- the level of additional monitoring.

The risk category is not an assessment of the quality or reliability of a business. It is a standard tool used in the payment industry to ensure transaction security, reduce disputed payments, and maintain the stable operation of payment channels.

Connection Without an LLC or Sole Proprietorship Does Not Mean Connection Without Verification

PayHot simplifies the launch process, but it does not connect projects completely anonymously.
To start working, you must provide accurate information about the account owner and the project’s activities.
The review is required to:
- understand which goods or services the project sells;
- assess the payment flow;
- determine suitable payment methods;
- reduce fraud risks;
- prevent the system from being used for prohibited activities;
- select terms that match the business category.

The more complete and accurate the information provided, the faster the moderation process.

What You Need to Connect

To speed up the review, prepare the following in advance:
- a link to the website, app, or Telegram bot;
- a brief project description;
- a detailed description of the goods or services;
- customer GEO;
- expected monthly turnover;
- average payment amount;
- minimum and maximum transaction amounts;
- traffic sources;
- contact details;
- preferred payment acceptance methods;
- preferred withdrawal methods;
- information about whether you have a legal entity;
- details of a foreign legal entity, if applicable.

If you do not have a website, describe in detail:
- why you need to accept payments;
- where customers learn about the product;
- how an order is placed;
- how the product is delivered or the service is provided;
- how communication with customers takes place;
- where the terms of sale are published;
- how refunds and customer requests are handled.

For example, if sales take place through a Telegram bot, you must provide a link to the bot and describe the entire customer journey, from selecting a product to receiving the product or gaining access.

Website Requirements

If the project has a website, make sure the following information is available before submitting an application:
- a clear description of the product or service;
- up-to-date contact details;
- terms of sale;
- service delivery rules;
- refund policy;
- user agreement;
- privacy policy;
- pricing information;
- delivery or service provision timeframes;
- a clear explanation of how the customer receives the product or service.

The list of required pages depends on the business category and operating GEO.
The website must not consist only of a payment form. The customer should understand what they are buying, how much it costs, who provides the service, and how to contact the seller.
A properly prepared website significantly speeds up moderation.

How the Connection Process Works

1. Registration

Create a PayHot account and complete the project connection application.
Provide accurate information and describe your activities in detail. Incomplete or contradictory information may increase the review time.

2. Project Review

The PayHot team reviews:
- the website, app, or Telegram bot;
- the product or service;
- the payment flow;
- GEO;
- traffic sources;
- the average transaction value;
- expected volumes;
- information about the project outside its own website;
- the customer interaction model.

If necessary, a manager will request additional information.

Connection within 1 to 7 hours is possible if:

- the application is completed in full;
- project information is provided without delays;
- the website or Telegram bot is ready for review;
- the product and payment flow are clear;
- all required documents are published on the website;
- the merchant responds quickly to questions;
- a standard integration method is selected;
- the project meets the requirements of the connected payment channels.

An Ideal Example of a Project Approved for Payment Acceptance

To pass moderation, a VPN service must be fully operational and easy for users to understand. Creating a bot with only one payment button is not enough. Customers must be able to see which service they are purchasing, how much it costs, how long it is provided for, and where to get help if any issues arise.

How the Service Can Be Described

The service may be positioned around:
- protecting the internet connection;
- safe use of public Wi-Fi networks;
- protecting transmitted data;
- remote access to work resources;
- using the service while travelling;
- maintaining a stable connection to permitted internet resources.

A VPN must not be advertised as a tool for bypassing blocks or gaining access to prohibited resources.

Avoid phrases such as:
- “Bypass any blocks”;
- “Access blocked websites”;
- “We will unlock prohibited resources”;
- “Complete anonymity with no trace”;
- “VPN for bypassing restrictions”.

You must also not use the names or logos of prohibited or restricted resources while promising access to them.
At the same time, there is no need to hide the project’s actual purpose. If the bot provides a VPN service, this must be stated clearly when submitting the PayHot application.

What the Telegram Bot Must Include

At the time of review, the bot must be fully operational.
It must include:
- a clear service description;
- available plans;
- subscription price and validity period;
- the number of supported devices;
- a purchase or renewal button;
- connection instructions;
- terms of use;
- a refund policy;
- a privacy policy;
- preferably links to social media or a Telegram channel;
- technical support contact details.

All buttons, links, and sections must work. Users must be able to choose a plan, pay for it, gain access, and contact support on their own.

How the Payment Process Should Work

Before making a payment, the customer must see:
- the service name;
- the selected plan;
- the subscription period;
- the final price;
- renewal terms;
- refund rules.

Traffic Sources

Advertising materials must match the information provided inside the bot.
You must not give PayHot a neutral description of the service while using promises of bypassing blocks, complete anonymity, or access to prohibited resources in your advertising.
For the review, you must provide links to the main advertising platforms and examples of the advertisements used.

What to Provide to PayHot

For moderation, it is recommended to provide the following immediately:
- a link to the Telegram bot;
- test access;
- a description of the service;
- a list of plans;
- the average transaction value and expected turnover;
- user GEO;
- traffic sources;
- advertising examples;
- support contact details;
- terms of use;
- a refund policy;
- a privacy policy;
- information about the project owner;
- preferred payment acceptance and withdrawal methods.

Signs That a Project Is Ready for Connection

A project is ready for moderation if:
- the bot is fully operational;
- the service is described clearly and accurately;
- prices and terms are available before payment;
- access is granted after payment is confirmed;
- technical support is available;
- terms of use and refund rules are published;
- up-to-date contact details are provided;
- there are no promises of bypassing blocks;
- there is no advertising offering access to prohibited resources;
- advertising materials match the content of the bot;
- the owner is prepared to provide information about the project and traffic sources.

Each project is reviewed individually. After moderation, PayHot determines the risk category, available payment methods, commission rates, limits, and settlement terms.

A Simple Start for Your Project

Launching an online project should not begin with lengthy procedures, complicated registration, and the collection of a large number of documents. With PayHot, payment infrastructure can be connected without the mandatory requirement to have sole proprietor status, an LLC, or self-employed status.
To start accepting payments, you only need to confirm ownership of the website and complete a basic account verification. We have made the connection process as simple and transparent as possible so that users can launch their projects faster and focus on growth.

How to Speed Up the Connection Process

Do not hide any important details about your project, and provide accurate information from the start. The clearer the product, traffic sources, and settlement model are, the faster the team can make a decision.
You can submit a connection application on the PayHot website. After the review, a manager will explain the available methods and help you launch payment acceptance.