Accept Monero (XMR) payments without KYC
Privacy by default, for buyers who mean it
For a slice of your customers, privacy is the product: journalists, privacy-conscious professionals and buyers in unstable jurisdictions pay in Monero because it doesn't leak their history to every chain analyser. Accepting XMR is how a hosting business serves them without becoming an exchange.
Technically, XMR on ZeroKYC Pay works through a view key: you provide your main address and a private view key — a secret that can see incoming transfers but cannot spend them. We store it encrypted, generate an integrated address (with payment id) per invoice, and scan incoming outputs with our own monerod plus a reserve node.
Networks & confirmations
| Network | Asset | Confirmations | Time |
|---|---|---|---|
| Monero | XMR | 10 blocks | ~20 min |
Addressing modes
Transit
ZeroKYC Pay issues payment details from its own pool and auto-sweeps to your payout address after confirmations. 1% + network fee.
Direct (non-custodial)
Payments go straight to your wallet: view key + integrated addresses — your main address and encrypted view key; each invoice gets a unique payment id. Volatile-asset rate refresh applies: re-quoted every 15 min until detection.
Create an invoice for XMR
curl -X POST https://api.zerokyc-payments.com/v1/invoices \
-H "Authorization: Bearer pk_test_..." \
-H "Content-Type: application/json" \
-H "Idempotency-Key: order-1042" \
-d '{
"amount": 49.00,
"base_currency": "USD",
"payment_currency": "XMR",
"order_id": "order-1042"
}'Replace the API key with your pk_test key from the console. Full flow in the quickstart.
Monero (XMR) payment FAQ
Is it safe to give ZeroKYC Pay my view key?
A private view key can only see incoming transfers — it cannot move funds. It does reveal your incoming history to the platform, so we store it encrypted at rest and use it solely for scanning. If that trade-off doesn't suit you, use the transit checkout instead: for XMR it issues subaddresses from the platform wallet.
How fast do XMR payments confirm?
We require 10 confirmations, about 20 minutes on Monero's 2-minute blocks. The integrated-address payment id makes matching unambiguous, so there are no 'whose payment is this' collisions.
Does accepting XMR put my hosting provider at risk?
Accepting any crypto carries compliance considerations; Monero attracts more scrutiny than stables. Our Acceptable Use Policy is deliberately strict, and the platform infrastructure for XMR is isolated. Ultimately this is a business decision — check your local regulations.
What happens if my customer overpays in XMR?
Overpayment confirms like a normal payment, and the exact paid amount is visible in the invoice payload and dashboard. Refunds, if you choose to make them, are manual — the platform never moves direct-mode funds.
Start accepting Monero (XMR) today
Create an account, paste your payout address or connect a wallet, and generate your first XMR invoice in minutes. Want to accept XMR plus everything else? Set payment_currency=any and let the buyer choose the coin at checkout.