Hi, @Lampa .
Welcome to the Shopify Community, and thanks for sharing your question.
I understand you’re seeking payment providers without a business registration. Could you advise what kind of business you have and where you’re based?
The reason I ask is, Shopify has provided our Payment Providers resource to help users search for payment providers based on their country/region. This can help narrow down your search so that you’re presented with options that are available to you and your customers.
You can also share where your based, and I can search the providers on your behalf. However, once you’ve selected the providers you’re interested in, it’s important to do research and inquire which ones may or may not require a business license.
I look forward to your reply!