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Payments

Paying with Monero (XMR)

Bitcoin makes the purchase pseudonymous. Monero makes it private by default — no public trail to analyze at all. It’s the coin we recommend when privacy is the point.

9 min read Updated Sep 2026 No tracking · ever
01

Why XMR fits eSIMs

  • Privacy without effort. Ring signatures and stealth addresses hide sender, receiver and amount, by default, not as an option you have to configure.
  • No address-reuse anxiety. The chain-analysis tricks that deanonymize careless BTC use simply don't apply.
  • Cheap. Typical network fees are under a cent, sensible even against a $25 top-up.
  • Fast enough not to think about. Most Monero payments here credit in a couple of minutes, in line with every other coin we accept.

The one coin that's genuinely slow to confirm is on-chain Bitcoin, typically 10 to 30 minutes. Every other coin, XMR included, tends to land in about two minutes before your balance updates, quick enough that the choice here is about privacy, not patience. That used to be a real trade-off with Monero specifically; on this checkout, it isn't one anymore.

02

What actually makes Monero private

Every other major coin runs on a public ledger where the sender, receiver and amount of every transaction stay permanently visible to anyone who looks; pseudonymous, not anonymous. Monero is built differently from the ground up, and it's worth knowing what's actually doing the work. None of it requires you to do anything differently at checkout; the privacy is automatic, not a setting you have to find. That's also, incidentally, most of why the wallet picks below matter more here than which coin you started with.

  • Ring signatures blend your transaction with a group of decoys pulled from the chain, so no output can be tied to a single signer.
  • Stealth addresses generate a fresh, one-time address for every incoming payment, so the same wallet never shows the same address twice on-chain.
  • RingCT hides the amount itself, not just the parties, a layer Bitcoin's base protocol doesn't have at all.
  • A steady, roughly two-minute block time keeps confirmations predictable, which is part of why a Monero payment here tends to credit about as fast as anything else on the list.
03

XMR against the other seven coins

The other seven coins we accept are all reasonable choices, and none of them are a bad way to buy an eSIM. Here's how they actually stack up next to Monero on the two things that matter at checkout: how privately the payment moves, and how fast it lands.

CoinPrivacyTypical credit timeNetwork fees
Monero (XMR)Private by defaultMinutesVery low — a fraction of a cent, typically
Bitcoin (BTC)Public ledger, pseudonymous~10–30 min, on-chainSet by network demand — can spike well above the rest of this list
Ethereum (ETH)Public ledger, pseudonymousMinutesTracks Ethereum gas — can be the priciest of the eight when the network is busy
Litecoin (LTC)Public ledger, pseudonymousMinutesLow, typically a few cents
TRON (TRX)Public ledger, pseudonymousMinutesLow, typically a few cents
Solana (SOL)Public ledger, pseudonymousMinutesLow, typically a fraction of a cent
USDT (ERC-20)Public ledger, pseudonymousMinutesTracks Ethereum gas, same caveat as ETH
USDT (TRC-20)Public ledger, pseudonymousMinutesLow, typically a few cents

“Public ledger, pseudonymous” means the transaction is visible to anyone, forever, and chain-analysis firms exist specifically to connect those addresses to real identities over time. It doesn't mean anyone automatically knows it's you; it means the door isn't locked the way Monero's is. That distinction matters most for the amount and pattern of your spending over time, less for any single $25 top-up. For what a purchase like this does and doesn't hide beyond the payment itself, see what an anonymous eSIM hides — and what it can't.

04

No wallet yet? Two solid choices

Cake Wallet (mobile)

Open-source iOS/Android wallet. Create it, back up the seed phrase offline, buy or swap XMR in-app, the easier on-ramp if this is your first cryptocurrency wallet of any kind.

Feather (desktop)

Lightweight open-source desktop wallet that runs its own light connection, the enthusiast's pick, and a sensible second wallet even if Cake stays the one you use day to day.

Whichever you pick: write the seed phrase on paper. A wallet you can't restore is money you don't own.

05

If you don't already hold any XMR

  • Buy directly where it's listed. A number of established exchanges still list Monero; buy there and withdraw to your own wallet rather than leaving it on the exchange, where it's technically still someone else's custody, however good that exchange's reputation currently is.
  • Swap from a coin you already hold. Non-custodial swap services convert BTC, ETH and others to XMR without an account, useful if you already hold a different coin and just want the privacy upgrade for this one purchase.
  • Keep a small buffer above the $25 minimum if you're swapping. Exchange-rate movement between quoting and sending can leave you a little short of an exact top-up.

Some exchanges have delisted Monero under regulatory pressure in recent years, so availability varies by region and platform, and it can change again with little notice; check current listings rather than assuming. A self-custody wallet is the more durable habit either way. See the two picks above. For the coin-agnostic basics of paying with crypto here, see how to buy an eSIM with crypto.

06

Checkout, step by step

  1. 01
    Add funds → choose XMR

    Pick the amount; a fresh Monero address is minted for your invoice.

  2. 02
    Copy amount + address

    Or scan the QR straight from the invoice screen.

  3. 03
    Send from your wallet

    One transaction, the exact amount invoiced. Monero handles the privacy automatically. There's no extra step on your end.

  4. 04
    Wait for confirmation

    The invoice screen polls the network and credits your balance on its own, typically a couple of minutes, not something you need to time yourself or keep refreshing to catch.

  5. 05
    Buy your pack

    One tap from balance, and the eSIM QR appears immediately.

Whether the balance is headed for a week in Mexico or a month in Germany, the flow from here is identical: pick a pack, and the QR appears.

07

Reading the invoice while you wait

The invoice screen is doing more than just sitting there. It's polling the Monero network in the background and will flip your order's status the moment it sees the payment, without you needing to refresh or check anything yourself. That matters most during the confirming state, when it's tempting to assume something went wrong just because the number on screen hasn't moved yet.

  • Waiting for payment. The default state, nothing has arrived yet. The QR and the copyable address stay valid for the countdown shown on screen.
  • Confirming. The transaction has been seen by the network; the balance updates automatically once it's sufficiently settled, typically within a couple of minutes.
  • Paid. The balance is credited and the pack-purchase button unlocks, no separate confirmation step needed on your side.
  • Expired. The countdown ran out before anything arrived. The address is dead; generate a fresh invoice rather than sending to it late.
08

Handling XMR safely

Monero's privacy protects the transaction, not your device or your habits. The usual crypto-security rules still apply, and arguably matter more here, since a lost seed phrase or a hijacked address can't be traced or reversed afterward the way a transparent-chain mistake sometimes can be.

Do

  • Write the seed phrase on paper, offline, the day you create the wallet
  • Double-check the first and last few characters of an address after pasting it
  • Download wallet software only from the project's own site or an official app store listing
  • Send a small test amount the first time you use a new wallet
  • Keep only what you need for near-term top-ups in a hot wallet

Don’t

  • Store a seed phrase as a screenshot in a cloud-synced photo library
  • Trust an address that looks different from the one you copied; clipboard-hijacking malware exists and specifically targets crypto addresses
  • Click a wallet download link from a search ad instead of the project's own domain
  • Send from an exchange if a self-custody wallet is available to you instead
  • Reuse one wallet for both long-term holdings and every small purchase
09

Edge cases worth knowing

SituationWhat happens
Sent slightly less than invoicedThe payment stalls as “underpaid.” Open a ticket; it's settled manually once you confirm what was sent, and nothing is lost.
Invoice expired before sendingDon't send to an expired address. Generate a fresh invoice from your order page and use that one instead.
Sent from an exchangeWorks, but exchange withdrawals can take longer than the invoice window; a self-custody wallet is smoother, and more private besides.
Wallet still syncingA wallet that hasn't finished syncing with the network can show a stale balance or delay a send. Let it finish before relying on it for a time-sensitive top-up.
No memo or destination tag requestedThat's expected: unlike some coins, Monero doesn't use memos or tags. Matching the address and the amount is all a valid send needs.
Paid, but the pack didn't unlockRare, and usually just a slow refresh; reload your dashboard first. If the balance shows credited but no pack appeared, open a ticket and it's fixed manually.

None of these are unusual, and none need panic. Open a ticket from your order page and it gets sorted manually. The invoice is tied to your order, not to a clock that punishes you for a network hiccup, and none of the situations above have ever needed more than a short back-and-forth to resolve.

10

Questions, answered

Is Monero legal to use?

In most jurisdictions, yes: it's a currency like any other, and using a privacy-preserving one is not itself a crime. Some exchanges have delisted it under regulatory pressure in certain markets, which is exactly why a self-custody wallet matters more for XMR than it does for most other coins.

Why do you also accept transparent coins then?

Choice, mostly. Plenty of buyers already hold Bitcoin or a stablecoin from somewhere else and are comfortable with the trade-offs that come with a public ledger. The checkout flow is identical either way. Monero is simply the strongest default we offer when privacy specifically is the point of paying this way.

Does the price change if I pay in XMR?

No. Prices are set in USD across every coin we accept, and the invoice locks the equivalent XMR amount for the length of its validity window. There's no privacy surcharge for choosing Monero, and no discount for it either — the price is the price.

How long does a Monero payment actually take to credit?

Typically a couple of minutes, in line with most of the coins accepted here rather than the older reputation Monero sometimes has for slow confirmations. On-chain Bitcoin is the real outlier at 10 to 30 minutes; Monero settles far closer to instantly than to that.

What if I don't have any Monero yet?

Buy it on an exchange that still lists it and withdraw to your own wallet, or swap into it from a coin you already hold using a non-custodial swap service. Either way, aim to land in a self-custody wallet before you pay, rather than sending straight from an exchange.

Can the store tell how much Monero I hold or where it came from?

No. Ring signatures and stealth addresses mean an outside observer, us included, can't trace a payment back through the sender's wallet history. What we see is the invoiced amount arriving on time; nothing about the rest of that wallet's balance or past activity.