How do I accept Monero payments?

The simplest way is to share your Monero wallet address or QR code with the payer. For businesses, use a self-hosted solution like Monero Integrations (WooCommerce/WordPress plugin) or monero-wallet-rpc for custom setups. For easier setup, third-party gateways like NOWPayments, OxaPay, or Plisio provide APIs, plugins, and payment buttons. For in-person sales, Kasisto is a free Monero point-of-sale app.

What are the fees for accepting Monero?

Monero transaction fees are approximately $0.001 (less than one cent), paid by the sender. Self-hosted solutions (wallet-rpc, Monero Integrations) have zero processing fees — you receive 100% of every payment. Third-party gateways charge 0.5-1%: NOWPayments ~0.5%, Plisio 0.5%, OxaPay varies. Compare this to credit card processing at 2.5-3.5% or PayPal at 2.9% + $0.30.

Can I accept Monero without KYC?

Yes. Self-hosted solutions require zero KYC — you run the software, payments go directly to your wallet. Among third-party gateways, OxaPay requires no KYC/KYB, and Plisio requires no verification for crypto-only payouts. NOWPayments may require verification for fiat conversion. For maximum privacy, use monero-wallet-rpc or Monero Integrations on your own server.

How do I convert received Monero to EUR?

The most private way is peer-to-peer (P2P) trading. Sell your received XMR for EUR via cash by mail or face-to-face trades. Platforms like Haveno (RetosSwap, DawnSwap) provide escrow protection. You can also use non-KYC instant exchanges, but these typically have higher fees. A P2P trader like arnoldnakamura can convert your XMR to EUR at 10% over market price with escrow available.

How long do Monero payments take to confirm?

Monero blocks are mined every 2 minutes on average. A transaction appears in the mempool within seconds (0-confirmation). Most merchants accept 1 confirmation (2 minutes) for small amounts. For larger amounts, 10 confirmations (20 minutes) provides full security. By comparison, Bitcoin blocks take 10 minutes and credit card chargebacks can occur up to 120 days later.

Is it legal to accept Monero as payment?

Yes, in virtually all jurisdictions. Accepting cryptocurrency as payment is legal in the US, EU, UK, Japan, Australia, and most countries. You may need to report income received in Monero for tax purposes, just as you would with any other form of payment. In Germany, crypto held over 1 year is tax-free. Accepting Monero does not generally make you a VASP/CASP unless you're operating as an exchange. See our legal guide for country-by-country details.

What is the best Monero payment gateway for small businesses?

For maximum privacy and zero fees: self-hosted Monero Integrations (WordPress/WooCommerce plugin, free, open-source). For easy setup without technical knowledge: OxaPay (no KYC, low fees, payment buttons and invoicing). For multi-cryptocurrency support: NOWPayments (300+ coins, 0.5% fee, plugins for Shopify, WooCommerce, Magento). For in-person retail: Kasisto POS app (free, works on Android).

Can I accept Monero on Shopify or WooCommerce?

Yes. For WooCommerce: install the Monero Integrations plugin (self-hosted, free, no third party) or use NOWPayments/Plisio WooCommerce plugins. For Shopify: use NOWPayments Shopify app or Plisio Shopify integration — Shopify doesn't allow self-hosted payment plugins, so a third-party gateway is required. Both NOWPayments and Plisio offer one-click Shopify installation.

How to Accept Monero Payments (2026)

Merchant guide: self-hosted vs payment gateways. No KYC options. E-commerce, invoicing, point-of-sale. How to convert received XMR to EUR.

Quick Decision

Maximum privacy + zero fees? Self-hosted with Monero Integrations (WordPress) or monero-wallet-rpc. Payments go directly to your wallet. No third party ever touches your money.

Easy setup + no KYC? OxaPay or Plisio. Payment buttons, invoicing, and APIs. 0.5% fee. Set up in 10 minutes.

Need to cash out to EUR? Sell received XMR via P2P trading. Cash by mail (EU-wide) or face-to-face.

Why Accept Monero?

Feature	Monero	Credit Card	PayPal	Bank Transfer
Transaction fee	$0.001	2.5-3.5%	2.9% + $0.30	$0-25
Confirmation time	2 minutes (1 block)	Instant (but chargeback 120 days)	Instant (but chargeback 180 days)	1-3 business days
Chargebacks?	Impossible	Yes (120 days)	Yes (180 days)	Possible
KYC / identity verification	Not required	Merchant account + KYC	Business verification	Bank account + KYC
Customer privacy	Complete (stealth addresses)	None (card issuer sees all)	Limited	None (bank sees all)
Funds can be frozen?	No	Yes (processor, bank)	Yes (PayPal freezes)	Yes (bank)
Global availability	Worldwide, 24/7	Merchant account required	200+ countries (with limits)	Country-dependent

Key advantage: Zero chargebacks. Once a Monero payment is confirmed, it is irreversible. No customer can dispute the charge 3 months later and claw back the money. This alone saves merchants 1-3% in chargeback losses and fraud costs.

Two Approaches: Self-Hosted vs Payment Gateway

Self-Hosted Max Privacy

You run the software. Payments go directly to your wallet. Zero third parties, zero KYC, zero processing fees. Requires a VPS or server and basic Linux knowledge.

Best for: Privacy-focused merchants, tech-savvy businesses, anyone who wants 100% of every payment.

Payment Gateway 0.5% fee

Third-party handles processing. You get plugins, APIs, payment buttons. Set up in minutes. Some require KYC for fiat conversion, some don't.

Best for: Non-technical merchants, Shopify/WooCommerce stores, anyone who wants a plug-and-play solution.

Option 1: Self-Hosted (Zero Fees, Maximum Privacy)

Monero Integrations (WordPress/WooCommerce)

Open-source plugin that adds XMR payments to any WooCommerce store. Payments go directly to your wallet. No account, no signup, no third party.

Install the plugin

Download from github.com/monero-integrations/monerowp and upload to your WordPress site, or install via the WordPress plugin directory.

Configure your wallet address

Enter your Monero wallet's view key and primary address. The plugin generates unique subaddresses for each order — you never share your main address.

Set confirmations and pricing

Choose how many confirmations before marking an order as paid (1 = 2 minutes, 10 = 20 minutes). Set XMR price source (CoinGecko, Kraken, or custom).

Start accepting payments

Customers see a Monero payment option at checkout with a QR code and address. The plugin monitors the blockchain and confirms payment automatically.

monero-wallet-rpc (Custom Integration)

For custom websites, apps, or services. monero-wallet-rpc exposes a JSON-RPC API to create addresses, check payments, and manage the wallet programmatically.

# Start the wallet RPC server
monero-wallet-rpc --wallet-file /path/to/wallet \
  --rpc-bind-port 18082 --disable-rpc-login

# Create a payment address (one per invoice)
curl -X POST http://127.0.0.1:18082/json_rpc \
  -H "Content-Type: application/json" \
  -d '{"jsonrpc":"2.0","id":"0","method":"create_address",
       "params":{"account_index":0,"label":"Order #1234"}}'

# Check incoming payments
curl -X POST http://127.0.0.1:18082/json_rpc \
  -H "Content-Type: application/json" \
  -d '{"jsonrpc":"2.0","id":"0","method":"get_transfers",
       "params":{"in":true,"pending":true}}'

Full API documentation at getmonero.org/resources/developer-guides/wallet-rpc.html

Kasisto (In-Person Point-of-Sale)

Free Android app for physical retail. Show a QR code, customer scans and pays. Supports 0-confirmation for small amounts (under $50 equivalent), 1-confirmation for larger amounts. Simple and effective for cafes, bars, and markets.

Option 2: Payment Gateways (Easy Setup)

Gateway	Fee	KYC?	Platforms	Key Feature
OxaPay	Low	No KYC	API, payment links, POS	No KYC/KYB required. POS for physical stores.
Plisio	0.5%	No (crypto-only)	WooCommerce, Shopify, API	No verification for crypto payouts. CMS plugins.
NOWPayments	~0.5%	For fiat conversion	Shopify, WooCommerce, Magento, API	300+ cryptos. Non-custodial. Most integrations.
B2BinPay	Low	Yes	API, dashboard	Enterprise-grade. Fiat settlement (EUR, USD).
BTCPay Server	Free	No	Self-hosted, WooCommerce, Shopify	Open-source BTCPay with Monero plugin. Full control.

Recommendation by Scenario

Freelancer / individual: Share your Monero address or QR code. No gateway needed. Use subaddresses (one per client) for tracking.
Small online shop (WooCommerce): Monero Integrations plugin (self-hosted, free) or Plisio plugin (0.5%, no KYC).
Shopify store: NOWPayments or Plisio (Shopify doesn't allow self-hosted payment plugins).
Physical retail: Kasisto app (free) or OxaPay POS.
Enterprise: BTCPay Server self-hosted or B2BinPay for fiat settlement.

Converting Received XMR to EUR

The biggest question for merchants: "I accepted Monero. Now how do I pay my bills?"

Since most exchanges have delisted XMR, the most reliable conversion path is peer-to-peer trading:

Accumulate received XMR in your wallet until you have a batch worth converting
Sell via P2P — Cash by mail (EU-wide), face-to-face, or through Haveno with escrow protection
Receive EUR — Cash in hand, no bank involved, no freeze risk

Need to Sell Received XMR for EUR?

I buy Monero for EUR — cash by mail (EU-wide) or face-to-face (SW Germany). 683 verified trades, 454 partners, 100% feedback. Escrow available via Haveno.

Contact: Telegram @arnoldnakamura

Read the full guide to selling Monero for EUR →

Alternatively, some gateways (NOWPayments, B2BinPay) offer automatic fiat conversion — they sell your XMR and deposit EUR to your bank account. This is convenient but requires KYC and introduces a third party.

Practical Tips for Merchants

Use subaddresses

Generate a unique subaddress for each customer or invoice. This makes accounting easy and prevents address reuse. Monero wallets support unlimited subaddresses.

Set confirmation threshold

For small amounts (<$50): 0-1 confirmations (instant to 2 min). Medium ($50-500): 2-4 confirmations (4-8 min). Large (>$500): 10 confirmations (20 min). Double-spend risk with 0-conf is extremely low.

Price in fiat, accept in XMR

Display prices in EUR/USD and convert to XMR at checkout using live exchange rates. All gateways and Monero Integrations support this. Update rate every 60 seconds.

Keep records for tax

Record the EUR value of each XMR payment at the time of receipt. In Germany, crypto received as business income is taxed as income. In the US, it's treated as property received at fair market value. See our tax guide.

Run your own node

For maximum reliability and privacy, connect your wallet-rpc to your own Monero node instead of a remote one. This ensures you validate transactions yourself. See our node setup guide.

Display "XMR Accepted Here"

List your business on Cryptwerk and Monerica.com. Add the Monero logo to your website. The more visible XMR acceptance is, the more customers use it.

Frequently Asked Questions

What if XMR price drops before I convert?

Convert regularly (daily or weekly) to minimize exposure. Some gateways offer instant conversion at the time of payment. For P2P, batch your conversions weekly.

Can customers pay with Bitcoin instead?

Yes. NOWPayments and Plisio accept 300+ cryptocurrencies. BTCPay Server handles BTC natively and has a Monero plugin. You can accept both and receive payouts in XMR only.

Do I need a special bank account?

No. Monero payments go to your Monero wallet, not a bank. You only need a bank account if you want to convert XMR to fiat via a gateway with fiat settlement. P2P cash trading needs no bank at all.

Is accepting Monero legal?

Yes. Accepting cryptocurrency as payment is legal in the US, EU, UK, and most countries. See our full legal guide. Tax obligations apply just like any other income.