VPNs, VPS and Hosting You Can Pay for with Monero (2026)

Privacy services are where Monero feels most at home. A VPN or server paid with a card ties the service to your name, your bank and often your billing address. Pay the same provider in XMR and that link is gone, as long as the account itself doesn’t give you away.

This guide lists VPN, VPS and hosting providers that accept Monero as of late 2026, explains how payment works, and covers the account habits that make the payment worth it.

Why pay for privacy services with XMR

When you pay a VPN by card, the provider (and its payment processor) holds a record that connects your real identity to your subscription. Even with a strict no-logs policy, that billing record exists, and it can be requested, leaked or breached.

Monero removes that link in two ways:

• On-chain privacy. The blockchain does not show who paid whom or how much, so a third party can’t trace the payment back to your other transactions.
• No payment-processor middleman. Many privacy providers receive XMR directly, so no card company or gateway sees the purchase.

Key point: The payment method is only half the story. If you sign up with your real name and personal email, paying in Monero won’t make the account anonymous.

VPNs that accept Monero

These providers list Monero on their own pricing or purchase pages at the time of writing.

Mullvad

Mullvad is the most common recommendation in Monero circles. You generate a random account number, with no email or name needed, and top it up. Its pricing page lists a flat €5 per month whether you buy one month or many, accepts Monero alongside Bitcoin, cash and other methods, and gives 10% off when you pay in crypto. The desktop and mobile apps are open source.

IVPN

IVPN also issues an account ID rather than requiring personal details, and its pricing page lists card, PayPal, Bitcoin, Monero and cash. It offers a 30-day money-back guarantee, though refund terms for crypto payments may differ, so read the policy first.

AirVPN

AirVPN accepts Monero on its purchase page. It’s popular with technical users because it exposes fine-grained settings for protocols, ports and routing. Expect a steeper learning curve than Mullvad or IVPN.

What about Proton?

Proton is a frequent question. Its support page lists cards, PayPal, Apple Pay, Google Pay, Bitcoin, cash and bank transfer, but not Monero. If you specifically want to pay in XMR, Proton is not the right fit right now.

Tip: Payment options change. Before you send XMR, open the provider’s checkout and confirm that Monero is still listed. If your usual provider drops it, community threads and merchant directories are the quickest way to find an alternative.

VPS and web hosting that accept Monero

Hosting is the other big category. Below are providers that accept XMR at the time of writing.

1984 Hosting

Iceland-based 1984 Hosting sells web hosting, VPS, managed hosting and domains, and states on its homepage that it accepts Bitcoin and Monero. It’s a good fit if you want a regular hosting company with clear legal jurisdiction rather than an anonymous provider.

Privex

Privex sells VPS plans and dedicated servers, with listed locations in Germany and the USA and a newer data center in Stockholm. Its site lists Monero among several accepted cryptocurrencies.

Njalla

Njalla is best known for privacy domain registration: it registers the domain in its own name, so you don’t appear in WHOIS records. It also rents VPS servers. Third-party profiles list domains from around €15 per year and VPS plans from around €15 per month, with sign-up requiring only an email or XMPP address. Njalla states it doesn’t require identity checks. Check the current price list before you pay.

Note: Not every provider that accepts crypto accepts Monero, and some accept XMR only through a third-party gateway that may ask for more information. Look for a native XMR option.

How to pay for a VPN or server with Monero

The flow is similar everywhere.

1. Create the account with minimal data. Use an account number if the provider offers one, or a separate email alias.
2. Pick your plan and choose Monero at checkout. The site shows an XMR amount, an address and usually a timer.
3. Send from your own wallet. Scan the QR code from Feather, Cake Wallet, Monerujo or another wallet. Avoid paying straight from an exchange, because withdrawal fees can make you underpay.
4. Wait for confirmation. Many providers credit the account after one or a few confirmations. Some wait for 10 confirmations, which takes about 20 minutes.
5. Save the transaction ID. If the payment doesn’t show up, support will ask for it. A transaction proof from your wallet removes any doubt.

If you’re new to wallets, our wallets section covers setup and choosing an app.

Keep the account private after you pay

Paying in XMR protects the payment. These habits protect everything around it.

• Don’t reuse your main email. If a provider needs an email, use an alias or a separate mailbox.
• Connect over Tor or an existing VPN when signing up, so your home IP isn’t attached to the new account.
• Separate identities. Don’t log in to a privacy VPS from the same browser session where you’re signed in to personal accounts.
• Read the abuse policy. Privacy-friendly hosts still shut down servers used for spam, attacks or illegal content. Anonymous payment doesn’t change that.
• Keep your own backups. If a provider shuts down or suspends you, a prepaid anonymous account usually has no recovery path.

Topping up an existing account

Most privacy VPNs let you add time to an existing account rather than buying a new subscription each time. With Mullvad, for example, you open your account page, choose the amount of time to add and pay the XMR invoice; the new time is added to whatever you have left. This works well with Monero because there’s no card on file to charge automatically. The flip side is that nothing renews by itself, so set a reminder before your time runs out.

For servers, the same idea applies to invoices. Hosting providers usually email an invoice a few days before renewal. Pay it from your wallet like any other checkout. If you miss it, many hosts suspend the server after a grace period and delete it later, so don’t leave renewals to the last day.

Warning: Never pay a hosting or VPN invoice that arrives by email without logging in to the provider’s site yourself and checking it there. Fake renewal emails with a different XMR address are a common phishing trick.

Common questions about payment problems

The checkout timer ran out before my payment confirmed. What matters is usually when the transaction was broadcast, not when it confirmed. Most providers credit a payment sent within the window even if confirmations arrive later. If yours doesn’t, contact support with the TXID.

I sent slightly too little. Exchange withdrawal fees are the usual culprit. Support can typically credit the partial amount or ask you to send the difference.

I paid but the account still shows unpaid. Wait for the confirmations the provider requires, then send support your TXID and a payment proof from your wallet.

Prepaying: how much is too much?

Some people top up a year or more of VPN time in one go. That cuts down on transactions, but there are trade-offs:

• Price changes. A flat price today doesn’t guarantee the same price next year.
• Policy changes. A provider can drop a payment method, change jurisdiction or close.
• Refunds. Crypto payments are often harder or impossible to refund.

A middle ground is to prepay three to six months at a time.

Quick comparison: which should you pick?

• Simplest private VPN: Mullvad. No email, flat price, crypto discount.
• VPN with a money-back guarantee: IVPN, but check how refunds work for XMR.
• Power-user VPN: AirVPN.
• Regular hosting with a clear legal home: 1984 Hosting.
• Servers in Europe or the US paid in crypto: Privex.
• Private domain plus a small VPS: Njalla.

For more ways to use XMR beyond privacy services, see the rest of our Use & Spend XMR section.