> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payoes.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Introduction

> Accept USDC and XLM payments on Stellar without building blockchain infrastructure from scratch.

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.

## 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

<Steps>
  <Step title="Set up your organization">
    Create an organization in the dashboard and connect a **settlement wallet**: the Stellar address where payments are sent.
  </Step>

  <Step title="Create a payment">
    Use the dashboard or `POST /api/v1/payments` to create a payment with an amount and asset (USDC or XLM).
  </Step>

  <Step title="Share the checkout link">
    Payoes returns a `checkout_url`. Send it to your customer by email, chat, or embed it in your product.
  </Step>

  <Step title="Customer pays with a wallet">
    The customer opens checkout, connects a Stellar wallet, and approves the transaction.
  </Step>

  <Step title="Payoes verifies and notifies">
    Payoes confirms the payment on Horizon, updates the status, and delivers webhooks to your backend.
  </Step>
</Steps>

## 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

<CardGroup cols={3}>
  <Card title="Quickstart" icon="rocket" href="/quickstart">
    Create your first payment in under five minutes.
  </Card>

  <Card title="Run locally" icon="laptop-code" href="/local-setup/getting-started">
    Clone the repo and run Payoes on your machine.
  </Card>

  <Card title="Core concepts" icon="lightbulb" href="/guides/concepts">
    Understand merchants, customers, payments, and checkout.
  </Card>
</CardGroup>