What Payoes is
- Payment infrastructure for merchants and developers
- A hosted checkout page with Stellar Wallet Kit
- Horizon-backed transaction verification
- Webhooks for payment lifecycle events
What Payoes is not
- A consumer wallet
- An exchange or on-ramp
- A custody provider
How it works
1
Set up your organization
Create an organization in the dashboard and connect a settlement wallet: the Stellar address where payments are sent.
2
Create a payment
Use the dashboard or
POST /api/v1/payments to create a fiat-priced payment with pricing_currency and pricing_amount.3
Share the checkout link
Payoes returns a
checkout_url. Send it to your customer by email, chat, or embed it in your product.4
Customer pays with a wallet
The customer opens checkout, connects a Stellar wallet, and approves the transaction.
5
Payoes verifies and notifies
Payoes confirms the payment on Horizon, updates the status, and delivers webhooks to your backend.
Who it’s for
Payoes is built for developers and businesses on Stellar:- SaaS products
- Marketplaces and agencies
- Digital goods and creator platforms
- Donation flows
- Any app that needs “pay with USDC/XLM” without reinventing payment plumbing
Next steps
Quickstart
Create your first payment in under five minutes.
Run locally
Clone the repo and run Payoes on your machine.
Core concepts
Understand merchants, customers, payments, and checkout.