Facebook, Google and TikTok don't take Monero for ads. They take cards. But you can pay for your ads with Monero by turning your XMR into a virtual Visa card. This guide shows you how, and how to keep your ads running.
Key takeaways
- Ad platforms don't accept Monero, but they do accept a virtual Visa card.
- Each payment can be up to $5,000, with no daily or monthly limit.
- Keep the card topped up. A failed payment can pause your ads.
Why pay with Monero?
- Private by design. Monero keeps who sent a payment, who got it and how much private on its network.
- No bank in the middle. You fill the card with crypto, so your bank never sees what you buy.
- The store sees a normal card. It gets a Visa payment with the card's alias name, not your real name.
- No card limits holding you back. There is no daily or monthly limit as your budget grows.
How ad platforms charge you
Most ad accounts charge your card after your ads run. You are charged when your spend reaches a set amount, or on a set billing date. New accounts usually start with a small amount, and it grows over time.
Check the billing page of each ad account so you know when the next charge is coming.
Step by step: pay for ads with Monero
- Make an account. Sign up and open your dashboard.
- Deposit Monero. Choose Deposit, then pick Monero (XMR). The invoice shows an address and the exact amount to send. Send that amount from your Monero wallet before the invoice runs out.
- Wait for confirmations. Monero needs 10 network confirmations. This usually takes about 20 minutes. Then the money shows in your wallet.
- Make a card. Go to Cards and make a Shield 3DS Card.
- Put money on the card. Add enough for your next ad charge, plus a buffer.
- Add the card. Open the billing or payment methods page in your ad account. Type in the card number, expiry date and CVV. For the billing address, copy the one from your card page exactly.
- Enter the security code if asked. Some payments ask for a one-time code (this is called 3D Secure). Go to your card page. You will find the 3DS password and the latest one-time code there. Type the code in before it expires.
- Set it as your main payment method and run your ads.
Tip: set your ad account currency to US dollars when you create it. The card is in dollars, so this avoids currency changes. For more on Meta, read how to pay for Facebook ads with crypto.
What it costs
| What | Cost |
|---|---|
| Deposit Monero | Shown on the invoice before you pay |
| Make a new card | $12.50, once |
| Monthly card fee | $10 per card, taken from your wallet |
| Add money to a card | 9.5% + $3 each time |
| Payments under 30 EUR | $0.87 per payment |
| Declined payment | $0.87 |
| Take money off a card | $1 or 1% |
| Limit per payment | Up to $5,000 |
| Daily or monthly limit | No limit |
Example: say you pay $100 for an ad charge. You add $150 to the card. The top-up fee is 9.5% of $150 ($14.25) plus $3, so $17.25. The payment is over 30 EUR, so there is no payment fee. You always see the exact fees before you confirm anything.
How to keep it working
- Deposit early. Monero takes about 20 minutes to confirm. Don't wait until the day a payment is due.
- Keep a little extra on the card. A few dollars more than you plan to spend is enough.
- Add money before you raise your budget. A bigger budget means charges come sooner.
- Fix failed payments fast. Add money, then pay the open balance in your ad account.
- Keep money in your wallet for the monthly card fee. If your wallet can't pay the $10 when it's due, the card is closed for good. Any money left on it goes back to your wallet.
Frequently asked questions
How long does a Monero deposit take?
Usually about 20 minutes. Monero needs 10 network confirmations before the money shows in your wallet.
What if I send the wrong amount of Monero?
Always send the exact amount the invoice shows. If you send too little, the deposit may not finish. Contact support with your transaction ID and we will help.
Can I pay for Google Ads with Monero?
Not directly. Google takes cards. Fill a HideTap virtual card with XMR and add it in Google Ads billing.
Does this work for TikTok Ads too?
Yes. TikTok Ads is on our list of accepted merchants. The steps are the same.
Is there a spending limit?
Each payment can be up to $5,000. There is no daily or monthly limit.
Can I use one card for several ad accounts?
Yes, for ad accounts you run. Make sure the balance covers all of them, and always follow each platform's ad rules.
Get started
Make a HideTap account, deposit Monero and get your ads running today. For every Monero guide in one place, read how to buy a virtual card with Monero.
