Accept Monero payments. Privacy on both sides of the till.
Most payment processors dropped Monero years ago. CryptoPayIn runs its own XMR infrastructure, so you can offer your customers the most private way to pay — through an account you opened without showing ID.
Monero is the only major cryptocurrency where privacy is the default, not an optional add-on. Ring signatures, stealth addresses and confidential amounts mean neither the payer, the recipient, nor the amount is visible on a public ledger. For customers who take financial privacy seriously — and for the merchants who serve them — XMR is not one payment option among many. It is the point.
That is exactly why it has become so hard to accept: custodial gateways with KYC obligations have delisted Monero one after another, since a coin designed for privacy does not mix with compliance-driven chain analytics. A no-KYC gateway is the natural home for XMR, and CryptoPayIn treats it as a first-class asset with its own full node infrastructure — not an exotic afterthought.
Payments confirm after 10 blocks (about 20 minutes) and are credited to your USD-denominated balance at an independently checked rate that locks when the invoice is created. Your customer sees a clean hosted checkout with an integrated address and payment ID handled correctly — no copy-paste accidents, no lost funds.
Why merchants enable XMR
Most custodial processors refuse XMR. Accepting Monero instantly differentiates your checkout for privacy-minded customers.
A private payment method behind a KYC'd merchant account is a contradiction. Here, no ID exists on either side of the transaction.
Subaddress-per-invoice, correct payment detection at 10 confirmations, and a checkout that never asks your customer to fiddle with payment IDs.
Monero costs the same as every other asset: 1% per settled payment, nothing else. Withdraw XMR proceeds to any wallet you control.
From invoice to XMR in your wallet
One API call — POST /v1/payments — or a no-code payment link. The fiat price and the XMR rate lock together, independently sanity-checked.
The hosted checkout shows a QR code and a dedicated XMR address. We watch the chain and display confirmations live.
After 10 conf (≈ 20 min) your balance credits in USD, a signed webhook fires, and the append-only ledger records it. Withdraw any time — or automatically.
Fees in one line: 1% flat per settled payment, nothing else — see the full fee page.
Accepting Monero — common questions
Why do so few payment gateways support Monero?
Regulated processors must run chain analytics on incoming funds, which is impossible on a privacy coin — so they delist it. CryptoPayIn does not run KYC or chain surveillance, so Monero fits naturally.
Is accepting Monero legal?
Owning and transacting XMR is lawful in most jurisdictions. As with any payment method, you remain responsible for the legality of what you sell and your own local obligations.
How fast are Monero payments?
A payment is typically visible within seconds and final after 10 confirmations — about 20 minutes on average. The hosted checkout tracks progress live.
Can customers pay from an exchange withdrawal?
Yes. Each invoice gets a unique subaddress, so payments from exchanges, hardware wallets or mobile wallets are all detected automatically.
Also worth enabling
BitcoinBTCThe default currency of the internet — deepest liquidity, every wallet, most-held asset among your customers.
Accept Bitcoin →
EthereumETHFast finality (~72 s) and the doorway to the whole ERC-20 economy on one integration.
Accept Ethereum →
SolanaSOLFinalized in seconds for fractions of a cent — settlement at card-swipe speed.
Accept Solana →
Start accepting Monero today.
Your account is one click away — no KYC, no waiting. One flat 1% fee per transaction. No subscriptions, no setup costs.