How To Buy Monero With Credit Card Or PayPal : A Complete Guide


Recently someone asked us if it is possible to Buy Monero With Credit Card or PayPal or Debit Card? We answered Yes! and in this post we’ll show you the easy, safe and legal way to buy Buy Monero (XMR) using PayPal, Credit Card or Debit Card.

Monero is built on the core principles of privacy, decentralization, public development and scalability. Right now Monero is growing at exponentially rate and often considered as replacement to Bitcoin in terms of privacy. Monero currently stands in 4th place on the Coinmarketcap just over Litecoin.

In order to Buy Monero With Credit Card, we have to buy bitcoin from VirWoX Exchange. VirWoX is a virtual currency exchange site that primarily caters to the currencies of various virtual worlds (such as Second Life and Avination).

Buy Monero With Credit Card or PayPal or Debit Card? We answered Yes! and in this post we’ll show you the easy, safe and legal way to buy Buy Monero (XMR) using PayPal, Credit Card or Debit Card.

Why VirWoX? Well, You may have heard that almost every cryptocoin exchange doesn’t support PayPal, Credit Card and Debit Card transactions due to fraudulent charge-back issue. Some bad peoples aka scammers exploited this loop hole of fraudulent charge back feature of PayPal, where scammer buy coins with PayPal, Credit Card and after receiving coins he fraudulently complains to PayPal or their respective credit card company that they never received the goods. By the way, this is not a good plan to try and increase your your credit score, if you get caught, you probably will have bad credit for a long, long time.

Since PayPal TOS already abandoned virtual currencies, they favor in term of scammer. This has caused genuine buyers and sellers a lot of frustration over the last few years. Luckily we found a exemptions in the name of VirWoX, an established exchange famous for trading of Second Life Linden Dollars also known as SLL in a very popular on-line game called Massively Multiplayer Online Role Playing Games. Since buying and selling SLL comes under PayPal terms and condition, VirWoX take it cleverly to next stage by providing another trading platform where it’s users can trade SLL with Bitcoins. Basically you are buying Linden Dollar (SLL) with PayPal, which is technically legal and later you can exchange those SLL with Bitcoins which is also technically legal and then we’ll trade those bitcoins for Monero (XMR) another Exchange.

Buy Monero With Credit Card Or PayPal

Let’s have a recap first, we will need to set up two trading accounts. First is VirWoX, where we’ll buy Bitcoin with PayPal, Credit card or Debit Card (Visa, Mastercard). VirWoX doesn’t support Monero at the moment, so we have to move Bitcoin to another exchange, such as, There you will be able to trade your Bitcoin for Monero. Following are the instructions.

Phase One : Buy Bitcoin At VirWoX

Step One : Open a VirWoX account

Go to, look for the link, “Not Registered Yet?” under the sign-in form. This will bring you to a registration page where you will be prompted to enter your desired user name as well as your email address first name, last name, country, and desired language. There are more optional fields alongside these, but you won’t need to worry about those unless you want to interact with VirWoX in a ‘virtual world.

After registration, VirWoX will send a temporary password to your email. After logging into your account, you can change the password in the “Change Settings” tab. Ignore message saying “Your avatar connection has not been validated yet“, you don’t need to verify your avatar.

Step Two : Deposit Money into VirWoX

VirWoX allows PayPal, Credit Card and Debit Card as payment method and VirWoX made this pretty easy to do. Simply go into the “deposit” tab on the left side of the screen. Scroll down a little bit and you’ll find options of Credit / Debit Cards and PayPal payment option. Just enter the amount you want to deposit and click the “Checkout with PayPal” button for Paypal deposit or Visa, Master Card, American Express, JCB or Diners button as per your Credit Card company.

buy monero with credit card or paypal at virwox

You will be transferred to PayPal’s terminal or your Cards payment processing page which will walk you through the process of sending money to your VirWoX account. VirWoX also support a wide range of other payment processor Visa / MasterCard Credit Card, UKASH, Paysafe Card, Money Bookers, Sofort banking or Neteller etc.

Step Three : Trade EUR, USD or GBP into Linden Dollars

On the VirWoX homepage, click on the link that lists your currency’s trading pair with SLL (EUR/SLL, USD/SLL, GBP/SLL). This will take you to a page that lets you trade from your currency into Linden Dollars.

You have two options on how you want to trade: market trade and limit trade. By trading at the “market price” you will agree to sell your currency for Linden Dollars at the highest amount that someone else has already agreed to pay for it. If you want to specify a certain price that you are willing to pay, you will need to use a “limit trade“.

If you choose to use a limit trade, you should ensure that your price is reasonable compared to the other prices in the “Offer to buy [your currency]” box at the top of the page. This will increase the chan
ces of someone else accepting your limit trade.

Step Four : Trade SLL into Bitcoin

After receiving your Linden Dollars, use the same process as in previous step using the BTC/SLL trading pair to convert it into Bitcoin.

Step Five : Setup Bitcoin Wallet

Next, you’ll want your Bitcoin wallet from,

  • Go to and click on create your wallet.
  • Enter your email i’d and set a unique password
  • Click on Receive and a string of characters will pop up like this: 1NFgL5T9M21toMJ5Sskw9t5SpkhNfXVhDm. That is the address you’ll need for transferring bitcoins from VirWoX to your wallet.


Step Six : Transfer BTC from VirWoX to your Wallet

To withdraw your bitcoin from VirWoX exchange to wallet simply click on the “Withdraw” link under “My Accounts.” tab. You will be asked for the address of the bitcoin wallet that you want to send your bitcoin to. Now paste the address you generated at wallet in previous step and hit the withdraw button.

For new VirWoX accounts, bitcoin transfer can take up to 48 hours. Once VirWoX process your withdrawal, they’ll inform you by an e-mail. After you receive bitcoin in your wallet, you can move to next step.

Phase Two : Trade Bitcoins With Monero at

Step One : Get a Monero Wallet

Alright, now it’s time to trade your Bitcoin for Monero. To do this, you will first need a 95-character Monero address, so that Shapeshift can send the Monero back to you. For quick setup, a web wallet at works great or you can also setup your own wallet on PC, Mac or Linux. For instructions follow our previous post on >> How To Setup Monero Wallet To Send Or Receive XMR.

Step Two : Choose Which Coins to Trade

Next, you’ll go to and select Bitcoin as Deposit and Monero as Receive by clicking on the two big currency logos, just like image given below, and then clicking “Continue”.

buy monero at shapeshift

Step Three : Add the Details of Your Trade

Now Shapeshift will ask you for your Monero and Bitcoin addresses. Bitcoin address is optional but highly recommended, in case of a fail transaction shapeshift will return your bitcoins to the address you provide. Leave the Payment ID field blank and click “I agree to the Terms”. When everything is ready, click “Start Transaction”.

convert bitcoin in to monero

Step Four : Finalize your Trade at Shapeshift

On the next page you’ll see the flashing text that says “Awaiting Deposit”. This means the Shapeshift website is ready for you to send them some Bitcoin. To send it to them, look for the string of text after “Send To This Address” for i.e 1DWbRwWRMSTxRnwPNPx8zYPqHV9wCHdzT7. This is a Bitcoin address that Shapeshift created for your trade copy it and go back to and follow the next step.

buy monero xmr coin

Step Five : Transfer the Funds from BTC Wallet To Shapeshift

Locate “Send” button at the top left of your and click on it. Now paste the address Shapeshift gave you in previous step into the “Recipient” box and type the amount of Bitcoin to send into the “Amount” box and click the blue “Send Funds” button. Click “Confirm” on the box that pops up, and your Bitcoin transaction to Shapeshift is done.

buy xmr monero

Shortly after your payment is confirmed over the bitcoin blockchain, Shapeshift will release your Monero (XMR) to the given wallet. That’s it.


Note : There are, also a few fees you need to be wary of when buying bitcoin from VirWoX with this method. VirWoX charges trading fees both the times when trading USD > SLL and trading SLL >> BTC of 50 SLL  + 2.9% of the value the base currency in the trade (either your local currency or bitcoin). VirWoX, also, charges a fixed .01 BTC withdrawal fee. Added together, it will cost you roughly 5.8% + .0105 BTC to buy bitcoin with this method.

Because of the fraudulent risks / hacked paypal account risk is involved, VirWoX restricts deposits via PayPal and Credit Cards deposits for a limited time. So there might be a fee higher than normal but this is the easiest way to buy monero with credit card or paypal.


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