Promotion & Adoption Started Mar 15, 2026 9:56 PM

Self-Hosted Monero Payment Processing

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Mar 15, 2026 9:56 PM Last edited Mar 15, 2026 9:57 PM
#1

Monerica is currently using NOWPayments. This has been good as there are no monthly fees and it's all on their side. But it may soon make more sense to self-host a Monero payment processor. Some sponsors would prefer something else.

It's very hard to get a straight answer about what it will cost per month and how to host everything while also paying in Monero. Ideally this is done as a full node but it's perhaps too expensive to do that and would be best as a pruned node or remote node.

What exactly would this cost and which specific software to run? It would most likely be from the list of open source merchant services on Monerica (e.g. Bitcart, BTCPayServer, etc.). Options like MoneroPay are interesting but they require more setup and having an external price API rather than one built in, or easily configured.

Any specifics on price and configuration could help justify the time to switch.

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Mar 15, 2026 10:33 PM Edited Mar 15, 2026 10:43 PM
#2

BTCPay is fine, it does require some extra setup for monero but if you know what you are doing you can have the software running in half an hour. No matter what you do or what service you use, you need to be paying for the storage to store the blockchain. Most are pretty much the same in other areas like CPU and RAM use.
With how most hosts price their services, this means upgrading to a far higher plan, though for some, including us, there's more flexibility on the storage side even on small plans.

We use a pruned LTC, BTC and XMR node for our setup and it takes around 300GB, which if you want to sync in a reasonable time then needs to be on SSD.

If you want a pruned node for only monero, I would suggest you price in at least 150GB of storage to allow for some expansion. The pruned blockchain is around 100GB right now. https://docs.getmonero.org/technical-specs/#block-time

If I am to bring an example in, at our pricing this would be 1 Core $1 + 2GB Ram (@$1.5/GB) $3 + 150GB Storage (@$0.1/GB) $15 = $19/mo. I don't really know how others price custom plans though, not everyone would do them, and if we didn't then the closest plan for that storage amount is $30/mo. I would say that around the $15-$20 mark is a reasonable budget.

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Mar 16, 2026 1:21 AM
#3

It's barely worth it at $30/ month right now for Monerica's volume. However, if there was an easy setup and checkout process to set it up then it would be considered.

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Mar 16, 2026 1:58 AM
#4

my eyes on you bro. much lessons here, tks

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Mar 16, 2026 3:10 AM
#5

An easy self hosted Monero payment system is something I actually want to work on. I have never got BTCPAY to work with Monero as there is always errors. For the Monero forum we use a full node and just use RPC commands to generate / check transactions but this is completely custom :)

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Mar 16, 2026 12:17 PM
#6

@admin The main issue with BTCPay is that because it is docker, there's permissions issues with the monero directory. If you follow Sethforprivacy's guide 1:1 then it will work.

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Mar 16, 2026 2:39 PM
#7

@monerica I don't think anyone does this for monero at least, obviously a host that specialises in hosting BTCPay could host a single node for each currency (or deduplication for disk usage) and users could benefit from a discount based on that. We do managed hosting but you'd be looking at the monthly fee plus a setup fee since it would be manual.

Thinking about it, I might consider adding "cheap" full monero nodes based on disk deduplication in future, because then there's only the need to store the blockchain once and so the price can be lower for everyone.

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Mar 16, 2026 5:06 PM
#8

It would be great if an enterprising web hosting company would make a simple checkout flow, on a website to setup a self-hosted Monero payment processor. Even if it was going to save $10-20/ month or whatever it is right now for Monerica, the time, effort, and risk for changing/ managing it make it hard to justify.

That being said, if it was easy and reliable, it would make sense.

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Mar 16, 2026 7:14 PM
#9

@monerica To be honest I think the demand is pretty low for something like this, normally the kinds of operations that want to avoid the third party processors also want full control and would rather self manage it, and the others would rather have the payouts in fiat or USDT.

Though in this case, if you were interested in considering it some kind of "sponsorship" and you didn't want anything to do with managing it yourself (so we can put it on a shared IP), I think we could probably host and manage it for you at no cost.

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Mar 17, 2026 4:54 PM Edited Mar 17, 2026 5:05 PM
#10

We use a pruned LTC, BTC and XMR node for our setup and it takes around 300GB, which if you want to sync in a reasonable time then needs to be on SSD.

@Kodomu If I were doing this, I'd self host the blockchain on bare metal and have the server just use it as a remote node over a VPN (wireguard). A bit complex, but a VPN is a great added layer for server security; You'll save a lot of money on storage as a hosting customer too.

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Mar 17, 2026 5:57 PM
#11

@ancap_objectivist Yes this would be a good option too, especially for hosts that are inflexible with storage on their plans. Without needing the nodes, BTCPay with the OS probably only requires about 20GB of storage.

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