Home Payments How to Receive Money Anonymously Online in 2023 [Guide]

How to Receive Money Anonymously Online in 2023 [Guide]

How to receive money anonymously online

Receiving money without leaving a footprint online has been the norm for people who prioritize anonymity. And if you are looking for ways to receive money anonymously online, you are looking at the right place. We have put in the work to find you the safest and most secure platforms you can advise your sender to use for sending you money. That’s to really say that you must talk to the sender about what platform you consider safer to receive the funds.

How to receive money anonymously online

How to receive money anonymously online

In no particular order, below are the best ways to receive money anonymously online:

  1. Cryptocurrencies (mostly anonymous and a widely used payment method online)
  2. Prepaid debit cards (widely available and receives money from services that offer this option)
  3. Virtual credit cards (adds a safety layer that protects you, should your data become compromised when receiving payments)
  4. Prepaid gift cards (if you manage to find a service that offers prepaid gift cards as a payment option, these are among the most anonymous and efficient ways to receive payments)
  5. Venmo (semi-anonymous with wide availability for receiving payments)
  6. Cash App (flexible and anonymous app if you’re willing to deal with the limits, can be used to receive payments)
  7. PayPal (widely accepted for receiving payments, but semi-anonymous)
  8. Google Pay (is not yet widely available and is only semi-anonymous when it comes to receiving payments)
  9. Paysafecard (availability will vary depending on your location. Otherwise, it’s an anonymous payment solution that can be used to receive payments)
  10. Apple Pay Cash (isn’t completely anonymous and widely available for receiving payments)
  11. Third-party private payment services

1. Cryptocurrencies

Cryptocurrencies (or cryptos, for short) use cryptography and decentralized user processing to validate tokens that can represent monetary value. Crypto tokens can be verified and traced back through every transaction. Cryptocurrencies are typically used to facilitate anonymous and untraceable payments online.

Crypto is great for receiving anonymous private if you want to stay anonymous, but the more successful cryptocurrencies (Bitcoin, Ethereum, Litecoin) are quite expensive and must be purchased on crypto exchanges. It’s also common for these exchanges to require registration with private information, which can negate the whole anonymity aspect.

Cryptocurrencies require an internet connection and a crypto wallet app, so it’s a pretty smart virtual method for receiving payments.


  • Can be completely anonymous if handled correctly, and are widely supported online.


  •  Some payments can take relatively long to process, and utility offline is limited.

2. Prepaid debit cards

To receive payments through these cards online, you have to register the card with some sort of website. It’s a good way to receive money anonymously online from services in much the same way that prepaid gift cards are used. One advantage of this payment method is that the cards can be used offline for anonymous purchases as well.

That being said, make sure to avoid cards that can be reloaded as these require actual credit and SSN information to activate, which defeats the purpose of using an anonymous payment method. Plus, they usually have very high fees for transactions when used for receiving payments.


  • Super convenient both for receiving payments online and offline.


  • The sign-up process may not be anonymous.

3. Virtual credit cards

Virtual credit cards have certain advantages over prepaid cards and the like. These are credit card numbers that allow you to receive payments with your real credit account, without revealing your actual credit card account number in the process. This is great since it allows for anonymous accounts to operate with funds from your actual credit account, and protects your real account in case of a data breach.

If you’re worried that your data may have been stolen or compromised, you can simply close the virtual account. One downside to this is that trying to get a refund for the services can be somewhat difficult.


  • Incredibly convenient because you’re receiving funds directly to your regular credit account


  • Trying to get a refund for the services can be somewhat difficult.

4. Prepaid gift cards

Prepaid gift cards are a great way to receive money anonymously online. They do not contain any ID or payment credentials. This means that when someone sends you money using a prepaid gift card, your identity remains anonymous.

Prepaid gift cards are widely available, making them easy to use as a payment option for various services that accept them. However, note that not all services may accept this payment method, so you should check beforehand. Another advantage of prepaid gift cards is that payments are usually instant.

Depending on the type of prepaid gift card you receive, you may be able to use it online, offline, or both. This can make it a versatile option for different types of transactions. However, some prepaid gift cards may come with certain limitations or restrictions.


  • Absolutely anonymous.


  • Not very widely accepted.

5. Venmo

Venmo is an excellent option if you want to receive money anonymously online from friends and family members. It allows you to keep your payment history private, which means you can choose to keep your transactions anonymous or share them with your contacts.

Once you receive the payment, you can keep the money in your Venmo account or transfer it to your bank account, which will charge you a 2.9% rate of the total amount received. Venmo is ideal for small transactions, as it has a weekly limit of $5,000.

Venmo is a subsidiary of PayPal, which means that payments go through their checkout process. Although Venmo may not have the best reputation when it comes to user data privacy, it is a widely available and easy-to-use option for receiving payments. Moreover, you can look up and customize your Venmo Payment Activity & Privacy for anonymity.


  • easy-to-use and widely available (through PayPal checkout)


  • charges a fee for receiving money

6. Cash App

Receiving money through Cash App has its benefits and drawbacks, even when closed. One of the advantages is that you don’t need a bank account to receive funds. The sender can use your unique $Cashtag username to transfer money to you. However, if you don’t have identity verification, you’ll be limited to a daily spending limit of $250.

If you receive money through Cash App, you can withdraw it using the debit Visa card provided or transfer it to another bank account. To receive money, the sender needs to enter your email or phone number. Once you receive the request, both parties need to confirm their banking information before the transfer goes through.

When you receive a Cash App payment, it will be available instantly in your balance.

Although Cash App offers flexibility in receiving money, it’s worth noting that your funds are not FDIC-insured. Nevertheless, the service provides a sufficient barrier to protect your privacy when making purchases. Additionally, Cash App supports Bitcoin trading, adding even more versatility to the way you can receive and manage your funds.


  • convenient and semi-anonymous to receive payments


  • funds are not FDIC-insured

7. PayPal

PayPal is a popular online payment system that is widely accepted and reliable. As a recipient of payments through PayPal, you can receive funds quickly and easily. However, achieving true anonymity as a recipient isn’t 100%.

When someone sends you money through PayPal, they will see your registered name and email address, so your identity is not entirely hidden.

If you want to maintain some level of anonymity as a PayPal recipient, you can create a separate PayPal account with a disposable email address and avoid linking it to your personal information. However, this can make it difficult to withdraw funds and may raise some red flags with PayPal if they suspect fraud. Overall, while it is possible to receive money anonymously online through PayPal, it requires some effort and may not be foolproof.


  • Reliable and widely accepted.


  • Achieving true anonymity as a recipient is difficult.

8. Google Pay

Since the merger of Android Pay and Google Wallet in 2018, Google Pay has become a popular digital wallet platform and online payment system for receiving money. Receiving money using Google Pay is similar to sending it, and you can link it to a disposable email and fund it with virtual credit cards.

Google Pay is one of the cheapest services to receive money as there are no fees for using debit cards or bank transfers. Its integration with other Google services makes it flexible to use, and you can easily request money through Gmail or Android messages by providing the sender with your email address or phone number.

However, Google Pay is limited to contactless payments only, which means that it may not be widely accepted by small shops or retailers that do not support this payment method.


  • easy and cheap to receive money


  • Limited availability, and not completely anonymous

9. Paysafecard

Paysafecard is an anonymous online payment app that enables you to receive prepaid Paysafecard vouchers as a form of payment. To receive money, you can provide their 16-digit PIN and receive the payment anonymously.

The vouchers can be combined with up to ten PINs to pay for larger items and subscriptions. Although this is a great payment method for receiving anonymous online payments, it can be difficult to find cards for sale in some regions, especially in North America.

Paysafecard requires a combination of online and offline interactions, which means it’s only usable if you have an internet connection. If you want to use Paysafecard to receive payments, check out the mobile app to search for local retailers who sell it in your area.


  • easy to receive 100% anonymously


  • can be difficult to use in some countries (particularly the US and Canada)

10. Apple Pay Cash

If you’re an iPhone user running iOS 11.2 or newer, you’re in luck! You can receive money through Apple Pay Cash. It’s an easy and convenient way to receive money from others who have your iMessage contact info.

However, it’s important to note that Apple Pay Cash is only compatible with iOS, so you won’t be able to use it on a desktop computer. Additionally, setting it up can be a bit tricky and limited, so it might not be the best option for everyone.

But, if you do choose to use Apple Pay Cash, it adds an extra layer of security to protect your banking information. Just be mindful of the limited usage options and consider using a throwaway email if you prefer to maintain your privacy.


  • available in more countries than competitors such as Google Pay


  • significantly more restrictive than others on this list when it comes to receiving money anonymously

11. Third-party private payment services

Many private payment services have emerged to meet the need for anonymous online payment methods. The services differ in how they handle payments. However, they can be used as long as the sender is careful not to register with personal information such as a real name or email address.

To avoid getting scammed, extensive research is necessary to find reliable services. These services are typically available online as websites or mobile apps.


  • offers added security and anonymity, and some of these platforms can also act as escrow services.


  • requires extensive research to identify trustworthy services

Services you may want to receive money for anonymously

Depending on the type of services you offer, the products you sell, and the country you live or work in, here are a few examples of services or goods that you might want to receive payments for anonymously:

1. Freelance services

If you offer freelance services such as writing, graphic design, or programming, receiving anonymous payments can help protect your privacy and ensure that you get paid for your work.

2. Donations

If you run a website or blog that accepts donations, anonymous payments can allow people to support your work without revealing their identity.

3. Online courses or digital products

If you sell digital products such as online courses or e-books, accepting anonymous payments can help protect your intellectual property and ensure that you get paid for your work.

4. Adult content

If you create or sell adult content, receiving anonymous payments can help protect your privacy and ensure that you don’t face any legal repercussions for your work.

5. Political activism

If you’re involved in political activism or advocacy work, anonymous payments can help protect your identity and ensure that you can continue to work towards your cause without fear of retribution.

6. Online marketplaces

If you sell goods on online marketplaces, accepting anonymous payments can help protect your identity and ensure that you get paid for your sales without revealing personal information.

What is the best way to receive money anonymously online?

When it comes to anonymous payments, there are many options available, each with its own pros and cons. The trick is to find the payment method that fits your needs and online habits while prioritizing anonymity. 

Be sure to consider the level of anonymity provided by each option before deciding which one is right for you.

As the recipient looking to receive money anonymously online, you might want to discuss your options with the sender.

Tips for receiving money anonymously online

Now that you know some methods to receive money anonymously online and the benefits of doing so, here are some tips to help you do so safely:

1. Use a different email address

When receiving money anonymously online, it’s important to use a different email address than the one you use for personal or business purposes. This will help you avoid accidentally revealing your identity.

2. Use a pseudonym

If you’re receiving money anonymously for personal reasons, consider using a pseudonym to protect your identity.

3. Keep transactions small

Large transactions are more likely to attract attention than small ones. If possible, keep your transactions under $1,000 to avoid drawing unnecessary attention.

4. Use a secure connection

When receiving money anonymously online, make sure you’re using a secure internet connection. Avoid public Wi-Fi networks and use a VPN if possible to keep your transactions private and secure.

5. Always read the terms and conditions

Before using any service to receive money anonymously online, make sure you read the terms and conditions. Some services may require personal information or have limitations on the amount you can receive.

Read also: top stores accepting checks online


Receiving money anonymously online can be a great way to protect your identity and financial information from third parties. By using anonymous payment methods and following some best practices for online privacy and security, you can be confident that your transactions are safe and secure from cybercriminals and government snooping.

There are plenty of options available for making anonymous online payments. Just make sure you follow some basic guidelines, like using a VPN, keeping your transaction information private, and using a pseudonym or fake name when necessary.

Remember, when it comes to online transactions, privacy is power.

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Written by
Jim Marous

Jim Marous is a Top 5 Retail Banking Influencer, Global Speaker, Podcast Host and Co-Publisher at The Financial Brand. I am a co-author here at Blueopes Finance, writing on a lot of topics regarding payments, banking software, cards, and investing.

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