How to Accept Monero

If your company is on the Shame List — or you just want to start accepting XMR — there are several ways to do it, ranging from "takes five minutes and costs nothing" to "full custom integration." Pick whatever fits your size and technical comfort. None of these require KYC, monthly subscriptions, or handing your customers' financial data to a third party.

1. Static donation or wallet address on your site

The simplest option, and completely free. Generate a Monero wallet using the official wallet, Feather, Cake Wallet, or any other Monero wallet. Copy your primary address and put it on your site somewhere a customer or supporter can find it.

Customers send XMR directly to your wallet. There's no middleman, no fees beyond the standard network fee, and nothing to integrate. The trade-off is that you'll need to manually reconcile payments to invoices or orders. This works great for donations, tip jars, or low-volume sales where you can communicate with each customer individually.

2. Email-based payment

A small step up from the static address. When a customer wants to pay, you correspond with them over email and provide a Monero address — typically a per-customer subaddress generated from your wallet — along with the exact amount to send. They pay, you confirm receipt, and you fulfill the order.

This works well for B2B services, custom orders, consulting, or anything where you're already communicating with the customer one-on-one. It costs nothing, requires no integration, and gives you a paper trail in your inbox. Subaddresses (which any Monero wallet can generate) let you tie incoming payments to specific customers without exposing your main address.

3. Third-party payment processor (NOWPayments)

For higher volume or e-commerce, a non-custodial processor like NOWPayments handles the checkout flow, generates per-order addresses, and forwards payments straight to your wallet. There's no monthly subscription — just a small per-transaction fee (typically around 0.5%).

Plugins exist for most major e-commerce platforms (WooCommerce, Magento, etc.), and there's a hosted checkout option if you don't want to integrate directly. Other options in this category include Cryptomus and CoinPayments, but NOWPayments is the most common no-KYC choice for merchants who just want it to work. For more options, see the Merchant Services section.

Want a step-by-step guide? Check out our video: How to setup NOWPayments with Monero.

4. Self-hosted BTCPay Server with your own node

If you want full control, no per-transaction processor fees, and direct settlement to your own wallet with no third party in the middle, run BTCPay Server on your own VPS. BTCPay supports Monero natively and connects to your own monerod node, so every payment goes from the customer straight to your wallet with no intermediary taking a cut.

This takes more effort to set up — you'll need a VPS, a Monero node (a pruned node is fine and keeps disk usage manageable), and a domain — but once it's running, it's effectively free to operate forever. BTCPay provides hosted checkouts, invoicing, recurring billing, point-of-sale apps, and APIs you can integrate into a custom flow. Monerica.com runs its own BTCPay instance for exactly this reason.

Want a step-by-step guide? Check out our video: How to Self-Host BTCPay Server & Accept Monero Payments (Full Setup Guide)

5. Custom integration with the Monero RPC

For the most control, integrate Monero directly into your application using monero-wallet-rpc or monerod's RPC interface. This lets you generate subaddresses programmatically, monitor incoming payments, automate order fulfillment, and build whatever flow makes sense for your business.

Wrappers exist in most major languages (Python, Go, Node.js, C#, Rust, PHP) that talk to the RPC interface. This is the highest-effort option and requires you to handle key management, node operation, and reconciliation yourself — but it gives you total flexibility and zero ongoing fees beyond your own infrastructure costs.

6. Gift cards or vouchers via a third party

If your business already issues gift cards, vouchers, or store credit, your customers can effectively pay you in XMR today — without you doing anything — through services like ProxyStore, CoinCards, xmr.cards, or CakePay. These services let users convert Monero into gift cards for thousands of major retailers, restaurants, and online stores. The customer pays in XMR, receives a gift card code, and redeems it with you for the equivalent fiat value.

From your side, nothing changes — you receive a normal gift card redemption like any other customer. From the customer's side, they got to spend their XMR with you. This isn't a true direct integration and won't get you off the Shame List, but it's a practical way for your customers to spend XMR with you while you work on adding native support — and it's a useful signal of how many of your customers actually want to pay in XMR. If you don't issue gift cards, this option doesn't apply.

Which should you pick?

Most companies should start with option 1 or 2 — a static address or email-based payment is enough to prove demand and get your first XMR transactions in. Once that's working, option 3 (NOWPayments) gives you a real checkout flow without much engineering effort. Options 4 and 5 are worth the work once Monero is a meaningful share of your revenue or you have specific requirements that off-the-shelf processors can't meet. Option 6 isn't a substitute for accepting Monero directly, but if you issue gift cards it costs you nothing and lets your customers spend XMR with you starting today.

The point is: there's no real excuse not to accept XMR. The simplest option costs nothing and takes minutes. Get off the list.

More Details On How To Accept Monero

If you want more details on how to accept Monero, check out this video which goes into more detail. You'll learn how accepting Monero works at a high level and will better understand which path is best for you.