Accept Monero (XMR) payments
Speend is a Monero payment gateway and XMR payment processor for business. Accept Monero with full payer privacy, settle in crypto or stablecoins, with merchant-side AML, fees from 0.5% and KYB onboarding.
What is Monero (XMR)?
Monero (XMR) is the leading privacy cryptocurrency. Unlike transparent chains where every transaction is publicly traceable, Monero uses ring signatures, stealth addresses and confidential transactions to keep the sender, receiver and amount private by default. It is the coin of choice for customers who treat payment privacy as a requirement rather than a preference.
For a merchant, accepting Monero opens a privacy-focused customer base that other gateways often cannot serve. Speend resolves the compliance question by running AML and KYB on the merchant side while leaving the payer flow private, so you reach privacy-conscious customers without taking on the screening burden yourself.
Why accept Monero payments with Speend
Reach a privacy-first audience
A meaningful segment of crypto users pays only in Monero; accepting XMR captures demand that transparent-coin gateways miss.Payer privacy by design
Monero's protocol keeps the payment private; Speend processes the merchant-side flow without exposing payer detail.Merchant-side compliance
KYB and AML sit on the business account, so you stay compliant while the payer stays private.Auto-convert to stablecoins
Hedge XMR volatility by settling into USDT or USDC at the moment of confirmation.Fees from 0.5% mono-currency
No setup fee, no monthly subscription; network fees pass through at cost.Step 1
The customer picks Monero at checkout. Speend generates a unique XMR address or payment request for that order.Step 2
The customer sends XMR from their wallet. The Monero protocol keeps sender, receiver and amount private.Step 3
The blockchain confirms the transfer. Monero settles in roughly 2 to 20 minutes depending on the confirmation count you require.Step 4
Speend credits your merchant balance. If auto-conversion is enabled, funds land in USDT or USDC at the live rate, and a webhook fires.Step 5
You withdraw on demand to a self-custody wallet, an exchange, or a supported rail.
Monero processing fees
0.5% mono-currency — customer pays XMR, you settle in XMR.
1% conversion — the platform auto-converts incoming XMR into your settlement currency (USDT, USDC, EUR, USD) at time of receipt.
Network fees pass through at blockchain cost — Monero network fees are typically low.
Monero payments by industry
Monero acceptance fits products whose customers prioritise privacy. The strongest case on Speend is adult platforms, where Monero sits in the standard payment lineup alongside USDT and Bitcoin. Other fits include privacy-focused SaaS and digital products, and e-commerce stores serving a privacy-conscious customer base.
Start accepting Monero with Speend
Open a merchant account, finish KYB, add Monero to your checkout within a business day. A personal manager helps with settlement configuration and jurisdiction requirements.
