OxaPay provides a no-KYC crypto gateway that accepts Monero for merchants and shops. This review covers 2026 fees, integrations, XMR privacy tools, and setup steps.
OxaPay operates as a no-KYC crypto payment gateway that lets merchants, webmasters, Telegram channels, and shops accept payments in more than forty cryptocurrencies, including Monero. The service routes transactions through hosted checkouts or APIs so users avoid running their own nodes or managing private keys.
Core tools cover payment links, invoices, white-label merchant pages, static addresses, donation pages, payout APIs, a built-in swap engine, and a merchant POS terminal for in-person sales. Plugins exist for WooCommerce and Paymenter, while Telegram and browser-wallet access simplify checkout for smaller operations.
Processing runs in real time with optional auto-conversion to stablecoins for volatility protection. The platform supplies 24/7 support and account managers for larger accounts, keeping the focus on straightforward integration rather than blockchain maintenance.
OxaPay supplies dedicated plugins for WooCommerce and Paymenter, enabling direct checkout acceptance of XMR alongside other coins. The Paymenter gateway reached version 1.0.1 in January 2026, adding improved invoice handling.
Shoplio integration applies an estimated 1.5% OxaPay commission on orders, with each invoice valid for 60 minutes. Merchants also access donation pages for one-time or recurring contributions, payout APIs for automated withdrawals, and static addresses that support repeated receipts once volume exceeds $20,000.
Hosted checkouts and API endpoints manage all blockchain interactions on the merchant’s behalf. Shops therefore avoid running Monero nodes, maintaining wallet software, or handling confirmations themselves. Real-time processing, built-in swaps to stablecoins, and webhook notifications remain available through the same interfaces.
White-label merchant services further allow custom branding on payment flows while OxaPay infrastructure continues to absorb node and key-management duties. These tools collectively reduce operational overhead for stores that prefer to focus on sales rather than infrastructure.
Public rates published on OxaPay’s pricing page as of October 2026 list 1.5 percent for payment links, merchant invoices and the donation service. White-label merchant services carry a 2 percent fee. Static addresses drop to 1 percent once cumulative volume exceeds $20,000. These base rates can be negotiated down to 0.4 percent for higher-volume merchants through direct account-manager agreements.
| Service | Standard Rate | Volume Discount |
|---|---|---|
| Payment links / invoices | 1.5% | Negotiable to 0.4% |
| White-label checkout | 2% | Negotiable to 0.4% |
| Static addresses | 1% (after $20k received) | Negotiable to 0.4% |
| Internal transfers | 0% | — |
Blockchain withdrawals add only the network’s miner fee; no additional platform charge applies. Internal transfers between OxaPay accounts remain free. Some Trustpilot listings and third-party reviews quote a flat 0.4 percent as the lowest advertised rate, while one 2026 review article claims 0 percent merchant fees with network costs passed to customers; official documentation does not confirm these lower figures without volume commitments. Shoplio integration applies the standard 1.5 percent OxaPay commission on orders.
OxaPay routes XMR invoices through its hosted checkout or API without merchants running nodes or managing confirmations. The platform highlights Monero's low network fees and fast processing for anonymity-focused merchants, while automatically converting received XMR to USDT to shield against volatility.
This setup lets shops accept XMR payments and immediately receive stable value, but it introduces privacy considerations. Because OxaPay acts as an intermediary, the merchant never holds the private keys, and the gateway itself sees the full transaction details.
OPSEC considerations remain essential. Using the service over clearnet exposes the merchant's IP address to OxaPay servers and any intermediate nodes. Running the checkout widget on a standard web server can also leak metadata through browser fingerprinting or webhook callbacks. Even though OxaPay itself is no-KYC, any upstream on-ramp used by customers may still require identity verification, potentially linking funds before they reach the invoice address.
Merchants seeking stronger separation should access the dashboard and payment links exclusively over Tor or a trusted VPN, host their own checkout pages behind onion services where possible, and direct customers toward non-KYC XMR sources. These steps reduce but do not eliminate the visibility OxaPay retains over invoice creation and settlement flows.
Merchants start by registering an account directly on the OxaPay dashboard. No KYC is required, allowing quick access to API keys, invoice tools and plugin downloads.
The improved webhook and swap features in the OxaX release reduce manual reconciliation for shops accepting Monero.
The OxaX referral program pays 30% commission on transaction fees generated by referred users, active as of 2026.
OxaPay lists support for 40+ cryptocurrencies across multiple networks, including XMR, with the exact roster available on its currencies page.
Blockchain withdrawals charge only the network miner fees; internal transfers between OxaPay accounts incur 0% fees.
White-label merchant services are charged at 2% per the public pricing schedule as of October 2026.
Current public sources do not list specific minimum thresholds for deposits or withdrawals.
Monero-specific confirmation requirements are not detailed in the latest documentation; merchants should verify directly with OxaPay for their integration.
No explicit caps on white-label usage appear in the October 2026 materials; fees may be negotiated lower for high-volume accounts.
