How do I accept Monero payments in my app?

Use monero-wallet-rpc (JSON-RPC daemon). Create subaddresses per order via create_address, monitor incoming payments via get_transfers, and confirm with check_tx_key. Libraries: monero-ts (JavaScript), monero-python (Python), monero-rs (Rust). For turnkey: use BTCPay Server or MoneroPay.

What is monero-wallet-rpc?

monero-wallet-rpc is a JSON-RPC server that exposes wallet functionality over HTTP. It handles key management, transaction creation, balance queries, and address generation. Run it alongside monerod (the daemon) and interact via HTTP POST with JSON-RPC 2.0. Default port: 18082 (mainnet), 28082 (testnet).

What languages have Monero libraries?

JavaScript/TypeScript: monero-ts (most comprehensive). Python: monero-python. Rust: monero-rs. C/C++: Official Monero source (libwallet2_api). Java: monero-java. Go: go-monero-rpc-client. PHP: monerophp. All wrap monero-wallet-rpc or implement the protocol directly.

Can I use Monero on testnet?

Yes. Monero has a dedicated testnet (--testnet flag). Use testnet faucets for free test XMR. Stagenet (--stagenet) is also available for integration testing. Both mirror mainnet behavior exactly but use separate blockchains with no real value.

How do I generate unique addresses per customer?

Use subaddresses. Call create_address on monero-wallet-rpc for each customer/order. Each subaddress is cryptographically unlinkable to your main address. You can generate billions from one wallet. The wallet automatically aggregates incoming payments across all subaddresses.

Monero for Developers (2026)

RPC APIs, libraries, and payment integration

TL;DR: Monero exposes two JSON-RPC APIs: monerod (daemon, blockchain data) and monero-wallet-rpc (wallet operations). Generate subaddresses per customer, monitor payments, create transactions. Libraries exist for JS/TS, Python, Rust, Java, Go, PHP. For turnkey payment processing, use BTCPay Server or MoneroPay.

Architecture

Monero has two core services:

Service	Port	Purpose
`monerod`	18081 (RPC) / 18080 (P2P)	Full node: blockchain sync, tx relay, block validation
`monero-wallet-rpc`	18082	Wallet: addresses, balances, send/receive, key management

Your app talks to monero-wallet-rpc for most operations. The wallet-rpc connects to monerod for blockchain data. Both communicate via JSON-RPC 2.0 over HTTP.

Quick Start: Accept Payments

1. Generate a subaddress per order

curl -X POST http://127.0.0.1:18082/json_rpc \ -d '{"jsonrpc":"2.0","id":"0","method":"create_address", "params":{"account_index":0,"label":"Order #1234"}}' \ -H 'Content-Type: application/json' # Returns: {"address": "8B2x...", "address_index": 42}

2. Monitor incoming payments

curl -X POST http://127.0.0.1:18082/json_rpc \ -d '{"jsonrpc":"2.0","id":"0","method":"get_transfers", "params":{"in":true,"pending":true,"pool":true, "subaddr_indices":[42]}}' \ -H 'Content-Type: application/json' # Returns: incoming transfers with amounts, confirmations, tx hashes

3. Confirm payment (10 confirmations)

# Check confirmations field in get_transfers response # confirmations >= 10 = safe to fulfill order # confirmations >= 1 = visible in mempool, likely valid

Libraries

Language	Library	Type	Notes
JavaScript/TS	monero-ts	Full implementation	Most comprehensive. Browser + Node.js. Wallet + daemon.
Python	monero-python	RPC wrapper	`pip install monero`. Clean API. Active maintenance.
Rust	monero-rs	Native implementation	Low-level. Address parsing, tx construction.
Java	monero-java	Full implementation	JNI bindings to C++ wallet2. Heavy but complete.
Go	go-monero-rpc-client	RPC wrapper	Lightweight daemon + wallet RPC client.
PHP	monerophp	RPC wrapper	For web shop integrations. WooCommerce compatible.
C/C++	Official source	Native	libwallet2_api. Maximum control, maximum complexity.

Payment Gateway Solutions

Solution	Self-hosted	Effort	Best For
BTCPay Server	Yes	Medium	E-commerce, invoicing, multi-coin
MoneroPay	Yes	Low	Simple XMR-only payment processing
Globee	No (hosted)	Low	Quick integration, custodial
Custom (wallet-rpc)	Yes	High	Full control, custom flow

Testnet/Stagenet: Always develop against testnet (--testnet) or stagenet (--stagenet). Free test XMR from faucets. Identical behavior to mainnet. Never risk real funds during development.

Key Concepts

Subaddresses

Subaddresses are deterministically generated from your main address. Create billions of unique addresses from one wallet. Each is cryptographically unlinkable to your main address or other subaddresses. Use one per customer, order, or campaign.

Confirmations

Monero blocks average ~2 minutes. 1 confirmation = seen on-chain. 10 confirmations (~20 min) = considered final. For small payments, 1-2 confirmations is practical. For large amounts, wait for 10.

View Keys

A view key lets you monitor incoming payments without spending ability. Create a view-only wallet for your payment server — even if the server is compromised, funds cannot be stolen.

Resources

Official docs: getmonero.org/resources/developer-guides

RPC reference: Daemon RPC | Wallet RPC

Monero Stack Exchange: developer-tagged questions and answers

GitHub: monero-project/monero

Start Building

1. Run monerod --stagenet + monero-wallet-rpc --stagenet

2. Get test XMR from a stagenet faucet

3. Call create_address to generate payment addresses

4. Poll get_transfers for incoming payments

5. Deploy to mainnet when ready (change ports, use real wallet)

Questions? The Monero developer community is active on Matrix and IRC (#monero-dev on Libera.Chat).