Accept payments

Accept Stellar (XLM) payments

Accept Stellar payments from any wallet, with fiat cards available alongside. U.CASH is non-custodial: funds settle directly to your wallet.

Why accept Stellar

Merchants choose U.CASH to take XLM without giving up custody or control.

Non-custodial

XLM settles straight to your wallet. U.CASH routes and notifies, it never holds your funds.

Cards too

Offer fiat cards through your own merchant account in the same checkout, side by side with XLM.

White-label

Your logo, colors, and domain. The payment surface is yours; U.CASH is just the rails.

Low, transparent fees

A flat fee per transaction, no spreads, no hidden routing cuts. You see exactly what you pay.

Global by default

Anyone with a Stellar wallet can pay. No chargebacks, no geography holds.

Per-coin finality

You set what counts as paid. Tune the confirmation policy for XLM per store.

How Stellar payments work

Step 01

Create your checkout

Sign up at U.CASH Pay and create a checkout that accepts Stellar alongside cards and 30+ other chains.

Step 02

Share the link or embed

Send a Pay-Now link, drop in the universal embed, or call the API server-side.

Step 03

Customer pays in XLM

The payer chooses Stellar from any wallet. U.CASH watches the chain against your confirmation policy.

Step 04

Settle to your wallet

Once confirmed, XLM settles on-chain to the address you control, with a signed webhook.

How to start accepting Stellar

Live in minutes. Drop a button on any site, or call the API server-side.

<!-- Universal embed: accepts XLM and 30+ chains -->
<script src="https://pay.u.cash/js/client.js" async></script>
<div data-uxc="checkout" data-title="Stellar payment"></div>

Ways to accept Stellar

API

Create checkouts server-side with signed, replay-safe webhooks. Build any flow.

Embed and buttons

A universal embed script and Pay-Now buttons for any website, no backend needed.

E-commerce plugins

WooCommerce, Shopify, Magento, and 120+ integrations across the stack.

Invoices and requests

Email a Pay-Now link or a full invoice and get paid without a storefront.

POS and donations

Mobile POS apps and donation overlays for in-person and creator use.

Web3 names

Pay and pay out to ENS, Unstoppable Domains, and FIO handles, not raw addresses.

Fees and settlement

Settlement

On-chain, peer to peer, direct to the wallet address you configured. No pooled balance.

Confirmations

Stellar default policy: 1 ledger (fast), a few extra for high value. Adjustable per store.

Payouts

Auto-forward to an xpub or address, or hold in your own wallet and withdraw anytime.

Accept more than Stellar

Bitcoin (BTC)

The original proof-of-work blockchain and largest cryptocurrency.

Ethereum (ETH)

The leading smart-contract blockchain and home of ERC-20.

Litecoin (LTC)

A fast, low-fee Bitcoin-family payments chain.

XRP (XRP)

Fast, low-cost payment ledger for cross-border value.

Algorand (ALGO)

Pure Proof-of-Stake Layer 1 with instant finality.

Tether (USDT)

The largest US-dollar stablecoin, live on Ethereum, Tron, and BNB Chain.

Accepting Stellar: FAQ

How fast do XLM payments settle?
Stellar ledgers close roughly every 5 seconds with fast finality, so payments typically settle within seconds.
What does it cost to accept XLM?
Stellar transaction fees are fractions of a cent, making it ideal for high-volume and small-value payments.

Start accepting Stellar today

Non-custodial checkout for XLM and 30+ chains, live in minutes.