Pay for what you process
No seat fees, no monthly plans. Just 1% of the payments you process, and you keep the other 99%.
Pay as you go
1% per transactionYour fee per transaction
On a
The same 1% rate applies across every product and every Stellar asset.
One rate. Every product.
The full Payoes platform is included in your 1%. No add-ons, no upsells, no locked features.
Crypto payments
Accept USDC, XLM, and any Stellar asset with a single API call.
Checkout & payment links
Hosted checkout pages and reusable links you can paste anywhere.
Invoicing
Draft, finalize, and get paid with hosted invoice pages.
QR code checkout
Free QR codes for every payment link and checkout session.
Webhooks
HMAC-signed events with automatic retries and delivery logs.
Subscriptions
Recurring billing that issues a finalized invoice each period.
Frequently asked questions
Is there a monthly fee?
No. Payoes is pay as you go: you are charged 1% per transaction and nothing else. There are no monthly fees, seat fees, or setup fees.
How is the 1% charged?
It is deducted from each payment at settlement, on-chain. You keep 99% of every payment, and the fee is only ever applied to payments that succeed.
Does Payoes hold my money?
No. Payments settle straight to your own Stellar wallet. Payoes is non-custodial and never holds your funds.
Which assets can I accept?
USDC, XLM, and any Stellar asset your business works with. The same 1% rate applies across every asset.
Is the sandbox free?
Yes. Build and test everything against Stellar Testnet in sandbox at no cost, then switch your API keys to production when you are ready.
Can I self-host?
Yes. Payoes is open source, so you can audit, extend, or self-host the whole platform.
Audit, extend, or self-host the whole platform
Accept any Stellar asset out of the box
Test everything free on Stellar Testnet
Supercharge your payments
Start accepting stablecoin payments in minutes, not months.