Accept Monero payments

How XMR settles here

Payments arrive at subaddresses of your own wallet, observed through a view key that can watch but never spend, and you keep the spend key. Detection runs on that view key alone: when the payment lands and confirms, your invoice updates and the signed webhook goes out, all without NoHoldPay ever being able to touch the funds.

Why merchants take Monero

The Monero buyer is deliberate. They chose a coin that keeps balances and purchase history off the public record, and they actively seek out the small set of merchants who accept it. The privacy runs both ways: on a transparent chain, anyone who learns a receiving address can total up your sales, while a Monero income stream stays unreadable to competitors and data brokers. With NoHoldPay the arrangement is non-custodial in the strictest sense available. You share an observe-only view key, payments arrive at subaddresses of a wallet you already control, and the spend key never leaves your hands. There is nothing to sweep and nothing to withdraw, because the funds were yours the moment they arrived.

Worth knowing

Detection works differently here. Monero addresses never appear on the chain, so no service can watch for your payments the way it can on transparent networks. NoHoldPay runs dedicated scanning infrastructure that uses your view key to recognize incoming outputs, which is why XMR support is rare among gateways. Payments land at subaddresses generated from your own wallet, so a buyer never sees your primary address and separate orders cannot be linked to each other. The checkout carries a privacy disclosure covering the view-key arrangement, and you acknowledge that arrangement when you enable the coin.

The platform fee is 0.5% per confirmed payment, prepaid. New accounts start with $50 of live credit, covering roughly the first $10,000 processed. Checkout ships hosted, or through the WooCommerce and OpenCart plugins.

Common questions

What does sharing my Monero view key actually expose?

The view key lets an observer recognize incoming payments to your wallet and read their amounts. That is the full extent of it. It cannot authorize spending, it does not reveal your spend key, and it gives no reliable picture of what you later do with the funds. NoHoldPay uses it only to match payments to invoices.

Can NoHoldPay move or freeze my XMR?

No. Spending Monero requires the spend key, which never leaves your possession and is never requested. Payments settle into subaddresses of your own wallet the moment they land on-chain, so there is no platform balance to freeze and no withdrawal step to gate. The view key grants sight, nothing more.

Why can't a gateway detect Monero payments without a view key?

Monero addresses never appear on the blockchain. Each payment is written to a fresh output key that only the recipient's view key can recognize, so there is no address for a scanner to watch. Detecting your payments means trial-scanning every transaction with your view key, which is why so few processors offer XMR.

Why does the Monero checkout show a privacy disclosure?

Because view-key sharing is a real tradeoff, and hiding it would go against the spirit of the coin. The disclosure states plainly that the merchant has shared an observe-only view key so incoming payments can be detected. Buyers who chose Monero for privacy deserve to know exactly who can see what.