Hosted checkout

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Checkout URL

https://your-payoes-host/c/{payment_id}

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Customer flow

1. Customer opens the checkout URL
2. Checkout loads payment amount, settlement asset, allowed assets, merchant name, and logo
3. If multiple allowed assets are configured, the customer selects which asset to pay with
4. Customer clicks Connect wallet (Stellar Wallet Kit: Freighter, xBull, etc.)
5. Customer clicks Pay and approves the transaction in their wallet
6. Payoes submits the signed transaction to Horizon
7. Payoes verifies the payment, records paid_asset, and shows a success state

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What Payoes handles

• Building the unsigned Stellar payment transaction in the customer’s chosen paid asset
• Setting the correct destination (merchant settlement wallet)
• Attaching a payment memo for reconciliation
• Trustline preflight checks before signing
• Horizon submission and verification against the paid asset
• Status updates and webhook delivery

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Checkout API (internal)

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Custom checkout (embed)

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Retry confirmation

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Integration pattern

// 1. Create payment on your server (uses organization asset defaults when omitted)
const payment = await fetch("https://payoes.example.com/api/v1/payments", {
  method: "POST",
  headers: {
    Authorization: `Bearer ${process.env.PAYOES_API_KEY}`,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    pricing_currency: "USD",
    pricing_amount: "25.00",
    description: "Pro plan (monthly)",
    metadata: { user_id: "usr_123" },
  }),
}).then((r) => r.json());

// 2. Redirect customer to checkout
return Response.redirect(payment.checkout_url);