The Short Answer

The best free wallet monitoring for a payment business is a watchlist you actually check, backed by free risk checks on every counterparty. Phalcon Compliance, MetaSleuth, and Etherscan watchlists are the named free picks. Every seat here is judged on payment fit, monthly limits, alert channels, and what the free tier keeps watching after you close the tab.

Monitoring is where free tiers get honest fast. For a payment business, watching addresses is not a nice-to-have sitting next to the real work; it is the obligation itself, because the counterparties you cleared last month can change risk this month. Free tools genuinely help with that job. What free cannot do is stand the watch for you, and this list says exactly…