Last updated: October 17, 2026
To accept Monero (XMR) payments, you can either share a Monero subaddress from your own wallet (simplest, fully private) or use a no-account payment link that lets customers pay in any coin while you receive XMR — such as NotkycPay, which is free, non-custodial and needs no KYC. For a shop, a self-hosted payment processor adds automatic order matching. Here's how each option works and which to choose. Create a payment link now at NotkycPay.
- 0 account / KYC for you or the payer
- Any coin in, XMR out
- ~20 min until received XMR is spendable
- Fractions of a cent network fee
Ways to accept Monero at a glance
| Method | Best for | Payer can use other coins? | Automatic confirmation |
|---|---|---|---|
| Share a subaddress | Freelancers, friends, occasional payments | No — XMR only | Manual (check your wallet) |
| NotkycPay payment link | Invoices, small businesses, creators | Yes — BTC, ETH, USDT, LTC and more | Yes — tracked order page |
| Self-hosted payment processor | Online shops with many orders | Depends on setup | Yes — plugins for shop software |
Option 1: share a Monero subaddress
Create a new subaddress in your wallet for each customer or invoice, and send it (or its QR code). Your wallet shows which subaddress each payment arrived on, so you know who paid. It's fully private — nobody else can see the payment. The limit: the customer must already hold XMR. See how to pay someone in Monero for the payer's side.
Option 2: a no-KYC payment link (pay in any coin)
- Open NotkycPay and choose what you want to receive: XMR, the amount and your Monero address. Add a label like "Invoice #1024".
- Share the link with your customer — it works as a crypto invoice.
- The customer pays in any supported coin; the swap is routed through vetted premium exchanges straight to your address.
- Track it: each payment has its own order page showing deposit and completion.
NotkycPay never holds your money and asks no one for ID. Full details on the accept crypto payments page.
Option 3: self-hosted processor for shops
Online stores with many orders often run a self-hosted payment processor with Monero support, connected to their shop software through a plugin. It creates a unique address per order and confirms payments automatically using your view key — no third party involved. It takes more setup and a server; for most small sellers, Option 1 or 2 is enough.
Practical tips for merchants
- Price in your currency, settle in XMR — or receive a stablecoin through a payment link if you don't want price exposure.
- Allow time for confirmations: Monero needs about 10 blocks (~20 minutes) before funds are spendable; many merchants ship after 1–10 confirmations depending on value.
- Keep records for accounting and taxes.
- Back up your wallet — seed backup — and consider your own node.
- Convert when needed with XMR → BTC or cash out without KYC.
Frequently asked questions
How do I accept Monero payments?
Share a Monero subaddress from your wallet, or create a no-account payment link where customers pay in any coin and you receive XMR. Shops can also run a self-hosted payment processor.
Can customers pay me in Bitcoin while I receive Monero?
Yes. With a NotkycPay link the customer chooses BTC, ETH, USDT or another coin, and the payment is swapped to XMR and sent to your address.
Do I need KYC to accept crypto payments?
Not with self-custody methods. NotkycPay needs no account or ID from you or the payer. Your local tax and business rules still apply.
How long does a Monero payment take?
It appears in your wallet within minutes and becomes spendable after about 20 minutes (10 confirmations).
Are Monero payments private for my customers?
Yes. Monero hides sender, receiver and amount on-chain, so neither your customers' nor your finances are visible to outsiders.
Start accepting crypto today: create a payment link, read how NotkycPay works, or get XMR with BTC → XMR. No account, no ID, no logs.