Best Monero Payment Processor (2025): Top Gateways to Accept XMR

• Quick picks: NOWPayments (best overall), MyCryptoCheckout (best WooCommerce non-custodial), CoinPayments (best Shopify/marketplaces), Cryptomus (best white-label; code 7oxg00), MixPay (best multi-coin → XMR routing), BTCPay (best open-source/self-hosted).
• Tip: Always test with a small payment before you go live. Availability and fees can vary by region and time.

What to Look For in a Monero Payment Gateway

• Custody model: Hosted gateways handle invoices and callbacks; non-custodial plugins send funds straight to your wallet.
• Integrations: Shopify, WooCommerce, Magento, WHMCS, OpenCart, custom APIs, and PoS apps.
• Fees & payouts: % per transaction, network fees, auto-conversion, and fiat or crypto settlements.
• Privacy & compliance: If you need bank withdrawals, expect KYC. For maximum privacy, choose non-custodial options.
• Merchant UX: Webhooks, partial/under-payments handling, refunds, and reliable reporting/exports.

Top Monero Payment Processors

NOWPayments — Best Overall

• Why choose it: Wide plugin support (Shopify, WooCommerce, Magento, WHMCS and more) and simple onboarding.
• Highlights: 300+ coins, competitive ~0.5% base fee, auto-convert, and optional EUR bank withdrawals.
• Use it if: You want a fast, plug-and-play launch with flexible settlement options.
• Link: Create an account

CoinPayments — Best for Shopify & Marketplaces

• Why choose it: Mature hosted gateway with broad e-commerce integrations.
• Highlights: Supports XMR alongside many coins, recurring payments and marketplace tools.
• Use it if: You run Shopify/OpenCart or need long-standing infrastructure.
• Link: coinpayments.net

Cryptomus — Best White-Label / Enterprise

• Why choose it: Branded checkout, payout routing, mass payouts and team roles.
• Highlights: Flexible API, dashboards and settlement to XMR, other crypto, or fiat (where available).
• Use it if: You need a customizable experience for multiple brands or high volume.
• Referral code: 7oxg00 | Link: cryptomus.com/white_label

MixPay — Best for Multi-Coin → XMR Routing

• Why choose it: Accept many cryptos while settling in XMR (or the reverse).
• Highlights: API and PoS options; useful when customers pay with different assets.
• Use it if: You want “take anything, receive XMR.”
• Link: mixpay.me

MyCryptoCheckout — Best Non-Custodial for WooCommerce

• Why choose it: Payments go directly to your wallet; no intermediary custody.
• Highlights: Simple WooCommerce setup; you control confirmations and refunds.
• Use it if: Privacy and direct custody are top priorities.
• Link: mycryptocheckout.com

BTCPay — Best Open-Source / Self-Hosted

• Why choose it: Full control of infrastructure and data with an open-source stack.
• Highlights: Self-hosted, extensible; advanced teams can integrate XMR via community methods or custom flows.
• Use it if: You have engineering resources and need on-prem control.
• Link: btcpayserver.org

Best Choice by Use Case

• Most merchants: NOWPayments for features, price, and plugins.
• WooCommerce + custody: MyCryptoCheckout.
• Shopify/marketplace: CoinPayments.
• White-label/enterprise: Cryptomus (code 7oxg00).
• Multi-asset to XMR: MixPay.
• Engineering-led control: BTCPay.

Setup Examples

WooCommerce (Non-Custodial via MyCryptoCheckout)

• Install the MyCryptoCheckout plugin and enable Monero (XMR).
• Add a fresh XMR subaddress from your wallet.
• Configure required confirmations and order status behavior.
• Test a $1 product; verify order auto-updates after payment.

Shopify (Hosted via CoinPayments)

• Create a CoinPayments merchant account and generate API credentials.
• Enable CoinPayments in Shopify as an alternative payment method.
• Turn on Monero (XMR) and any other coins you accept.
• Place a small test order; confirm webhooks mark it paid.

Simple “Pay with Monero” Button (Any Site)

• Create a unique subaddress per order/customer for easier reconciliation.
• Link a monero: URI or show a QR code your customer can scan.
• Match payments by amount + subaddress; ship goods after confirmations.

Refunds, Short/Over-Payments & Bookkeeping

• Hosted gateways usually manage partial/late payments and generate refund flows.
• Non-custodial stores should publish a refund policy and collect a return XMR address.
• Exports (CSV/JSON) help track fiat value at sale time for accounting and taxes.

Privacy, Risk & Compliance

• Bank withdrawals typically require KYC with hosted processors.
• Maximum privacy favors non-custodial plugins and crypto settlement.
• Best practice: test small amounts, avoid address reuse, and safeguard wallet seeds.

FAQ

• Is Monero volatile? Yes. Use gateways with auto-convert to stablecoins/fiat if needed.
• How fast are confirmations? Usually minutes; choose a confirmation threshold that fits your risk.
• Can I keep custody? Yes. Use non-custodial options like MyCryptoCheckout or self-hosted stacks.
• Can I accept many coins but keep XMR? Yes. Use NOWPayments or MixPay to route to XMR.

Related Monerica Pages

• Merchant Services → Integrations: Compare gateways and plugins.
• Open-Source Projects: BTCPay for self-hosting.

Comments