XMR Checkout

FAQ

Direct answers.

XMR Checkout is non-custodial checkout software for accepting Monero payments. We focus on a conservative trust boundary: view-only detection and merchant-owned funds.

Is XMR Checkout custodial?+

No. Payments go directly from the customer to your Monero wallet. XMR Checkout only observes the blockchain to detect payments and update invoice status.

What wallet access does XMR Checkout require?+

The maximum permission we ask for is view-only access: your primary address and your secret view key. We never request spend keys and we never request signing access.

What does setup require?+

Setup is explicit: provide your primary address and secret view key, then create invoices via the dashboard or API. We never request spend keys or signing access.

Do you require email or personal information?+

No. We do not require email or personal information. Your primary address is the identifier for access, paired with your secret view key.

What does XMR Checkout cost?+

Currently, xmrcheckout.com does not charge a service fee. You can also self-host the open source stack if you prefer.

Can XMR Checkout move funds, issue refunds, or reverse payments?+

No. XMR Checkout does not sign transactions and cannot move funds on your behalf. It is checkout software: create invoices, detect payments, and relay status via API/webhooks.

What happens if XMR Checkout is down when a customer pays?+

Your wallet can still receive a valid on-chain payment because the payment is customer → merchant wallet. If the service is unavailable, you may temporarily lose invoice status updates until it comes back online.

How does XMR Checkout differ from hosted services (e.g. NOWPayments)?+

The main differences are scope, custody model, and data collection: XMR Checkout is Monero-only, does not require an account or email, and uses view-only access for payment detection.

  • Monero-only: a focused product without a multi-asset stack.
  • No account/email: your primary address is the identifier.
  • No custody: payments go directly to your wallet.
  • View-only by design: we never ask for spend keys.
  • Clear failure modes: downtime can delay status updates, but it does not affect on-chain validity of payments.

If you use a third-party service, review what keys and data it requires, and whether it ever takes custody or intermediates funds.

How does XMR Checkout differ from BTCPay Server?+

BTCPay Server is a general-purpose, self-hosted payment server with a primary focus on Bitcoin and optional integrations for other assets (including Monero via a plugin). XMR Checkout is intentionally focused on Monero checkout with a view-only trust boundary and a minimal, deterministic core.

Some hosted BTCPay deployments may not include the Monero plugin by default. XMR Checkout provides a small compatibility layer so teams can integrate without running a full BTCPay deployment.

  • Monero-first UX: invoice and confirmation language is tailored to Monero.
  • Fewer moving parts: a narrow scope keeps operations and audits simpler.
  • API/webhooks-first: designed to fit into existing order systems.
Can I self-host XMR Checkout?+

Yes. XMR Checkout is open source, and you can self-host it from the official GitHub repository.

Start with Documentation for setup and integration details.

Still have questions?

Start with Documentation for API details and integration guidance.