# MoneroPay review: KYC policy, privacy and safety grades

> MoneroPay is a payment gateway. Its terms put it at KYC level 0 of 4: ID never required. NoKYC Score grades it 9.2/10 for privacy (excellent) and 7.3/10 for safety (strong). In its favour: no account needed, no email needed and no phone number. No incidents are on record.

Source: NoKYC Score, "MoneroPay review", reviewed 22 Oct 2026, https://nokycscore.com/service/moneropay

## Key facts
- **Category:** Payment Gateways
- **KYC level:** 0 of 4: ID never required
- **Grades:** Privacy 9.2/10, Safety 7.3/10
- **Sign-up:** No account needed
- **Custody:** non-custodial
- **Fees:** Free software; no processing fees
- **Jurisdiction:** Decentralised / none
- **Incidents on record:** 0
- **Last reviewed:** 22 Oct 2026
- **Official website:** https://moneropay.eu

## What it is
MoneroPay is an open-source backend service that merchants and developers run themselves to receive, track and send Monero payments. Its documentation covers installation, security and scalability, the merchant workflow and a small HTTP API with endpoints for balance, health, receiving and transfers, plus callbacks for payment notifications and optional acceptance of unconfirmed transactions. Funds stay in the operator's own Monero wallet, so the software is non-custodial and involves no third-party account. The main repository is hosted on GitLab with a GitHub mirror, and commercial support is offered by the maintainers for those who need it.

## What the terms say about ID
Self-hosted software connecting to the operator's own wallet; no third party is involved.

## Features and warnings
- **Identity:** ID never required: yes; No account needed: yes; No email needed: yes; No phone number: yes
- **Payment:** Accepts Monero: yes; Accepts Lightning: not stated
- **Access:** Tor onion address: not stated; Works without JavaScript: not stated
- **Trust:** Never holds your funds: yes; Open source: yes; Independent audit: not stated; Company named: not stated; 5+ years operating: not stated
- **Warnings:** May ask for ID: not in terms; Screens deposits: not in terms; Holds your funds: not in terms; Email required: not in terms; Phone number required: not in terms; Closed source: not in terms; Nobody accountable: not in terms

## Questions
### Does MoneroPay require KYC?
MoneroPay is rated KYC level 0 of 4 on this site: ID never required. Self-hosted software connecting to the operator's own wallet; no third party is involved.

### Is MoneroPay safe to use?
MoneroPay has a Safety grade of 7.3 out of 10 and a Privacy grade of 9.2 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is MoneroPay legit?
MoneroPay is a working payment gateway. Being real is not the same as being safe: its Safety grade here is 7.3 out of 10, built from custody, liquidity, track record and incidents.

### Is MoneroPay a scam?
NoKYC Score does not label services as scams; it records documented incidents with their sources and outcomes. No incidents are on record for MoneroPay.

### Do I need an account or email to use MoneroPay?
No account needed.

### What fees does MoneroPay charge?
Free software; no processing fees. Fees were recorded from MoneroPay's own pages and can change; check before you send.

### Does MoneroPay have a Tor onion address?
No official onion address was found on MoneroPay's own pages.

### Which cryptocurrencies does MoneroPay support?
MoneroPay supports XMR.

### Is MoneroPay custodial?
No. MoneroPay is non-custodial: the operator does not control user funds.

### Can I use MoneroPay over Tor?
MoneroPay does not publish an official onion address.

## Sources
- https://moneropay.eu
- https://github.com/moneropay/moneropay

How grades are calculated: https://nokycscore.com/methodology