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Payoes is open-source, developer-first payment infrastructure for the Stellar ecosystem. Instead of integrating wallets, building checkout flows, monitoring Horizon, and wiring webhooks yourself, you create a payment through a simple REST API and share a hosted checkout link with your customer.

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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

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What Payoes is not

  • A consumer wallet
  • An exchange or on-ramp
  • A custody provider

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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 payment with an amount and asset (USDC or XLM).
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.

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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

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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.