Payoes
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Payments

Crypto payment processing

Accept USDC, XLM, and any Stellar asset with a single API call. Payoes handles wallet connections, on-chain verification, and settlement, so a payment feels like a charge, not a blockchain project.

Start for freeExplore the API

How it works

1

Create a payment

One request to the API, or a few clicks in the dashboard. You get back a payment ID and a hosted checkout URL.

2

Customer pays

Your customer opens the checkout page, connects any Stellar wallet, and approves the transaction. No account needed.

3

Verified and settled

Payoes verifies the transaction on-chain, settles funds to your wallet, and fires a webhook the moment it confirms.

What you get

  • On-chain verification

    Every payment is verified against the Stellar network before it is marked complete.

  • Direct wallet settlement

    Funds settle straight to your own Stellar wallet. Payoes never holds your money.

  • USDC, XLM, and custom assets

    Accept stablecoins or any Stellar asset your business works with.

  • Sandbox and production

    Build against Stellar Testnet in sandbox, then switch your API keys to Mainnet.

  • Metadata and expiration

    Attach order IDs and custom data to payments, and set expiration windows.

  • Full transaction records

    Every payment stores the transaction hash, sender, receiver, asset, amount, and network.

Create a payment

  1. 1

    Send one request

    POST to /v1/payments with an amount, a settlement asset, and any metadata like an order_id.

  2. 2

    Get a checkout URL back

    The response returns a payment ID (pay_...) and a hosted checkout_url.

  3. 3

    Send your customer there

    Payoes handles wallet connection, on-chain verification, and settlement.

Payments

Start accepting payments today

Free sandbox on Stellar Testnet. No credit card required.

Start for free
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