Accept Monero (XMR) payments
Price in US dollars; the customer pays the exact XMR amount to an address made for that order. 0.5% per payment, no monthly fee.
- Credited
- after 10 confirmations
- Fee per payment
- 0.5%, nothing monthly
- Price
- Locked per order
- Auto-convert
- Not yet on this network
About Monero (XMR)
Monero is a privacy coin: amounts, senders and receivers are hidden on its blockchain.
Every order still gets its own Monero subaddress, so the payment is matched to the order without the customer adding a memo or payment ID.
How a XMR payment works
- 1You create an order in USD
From your store plugin, a payment link or one API call.
- 2The XMR amount is locked
Converted at the live price once, when the order is created. It never changes afterwards.
- 3The customer pays a fresh address
A deposit address made for this order only, with a QR code.
- 4You get a signed webhook
When the payment is credited (after 10 confirmations), your balance goes up and your system is told.
Network details
| Network | Credited | Payout network fee | Auto-convert |
|---|---|---|---|
| Monero | after 10 confirmations | 0.0002 XMR | Not yet |
Payout network fee: a flat fee per withdrawal to your own wallet, plus the 0.5% commission. Full pricing
Add XMR to your site
Install a plugin, share a payment link, or call the API. The customer can also pick XMR on a hosted checkout page where you offer several coins.
- A new deposit address for every order
- Signed webhooks and a status check before you ship
- Test keys with free testnet coins before going live
// Your server: create a payment for an order
const res = await fetch('https://stablora.xyz/api/v1/payments', {
method: 'POST',
headers: { Authorization: `Bearer ${STABLORA_KEY}`,
'Content-Type': 'application/json' },
body: JSON.stringify({
reference: 'order-1042', amount: '49.90', currency: 'USD',
network: 'monero', asset: 'XMR',
}),
});
const payment = await res.json();
// payment.amount: the exact XMR amount, locked for this order
// payment.depositAddress: a new address for this order only
// redirect the customer to https://stablora.xyz/pay/<payment.id>Questions about XMR
More in the help center.
How fast is a XMR payment confirmed?
Stablora credits it after 10 confirmations on Monero. The checkout page shows the progress live, and you receive a signed payment.completed webhook the moment it is credited.
What does it cost to accept XMR?
0.5% of each payment, with no monthly or setup fee. Withdrawing to your own wallet costs a 0.5% commission plus a flat network fee (0.0002 XMR on Monero).
What if the customer sends too little or too much?
If less arrives, the checkout asks for the rest before the order expires (you can accept small shortfalls with a tolerance in Settings). Anything above the amount due is recorded as an overpayment that you can refund.
What if the customer uses the wrong network or coin?
The checkout shows the coin and network right next to the address. Coins sent on another network or in another coin are not credited automatically.
Can I convert XMR to a stablecoin automatically?
Not on Monero yet: you receive XMR and can withdraw it to any wallet or exchange. The amount is still locked per order, so the customer pays what the order was worth when it was created.
Other coins
USDT
USDC
BTC
ETH
SOL
TRX
TON
BNB
LTC
DOGEStart accepting XMR today
Free to start, 0.5% per payment. Try everything with test keys first.