No chargebacks
XLM payments are final on-chain. No card-style disputes clawing funds back weeks later.
Pay any U.CASH merchant with Stellar. Your XLM settles final and direct from your wallet, with low fees and no chargebacks.
Crypto payments are final, global, and cheap. Stellar is a strong way to pay merchants directly.
XLM payments are final on-chain. No card-style disputes clawing funds back weeks later.
Pay any U.CASH merchant worldwide. No blocked regions, no currency conversion holds.
Network fees instead of card processing percentages, especially on efficient chains.
No card number to hand over. You sign a transaction from your own wallet.
Send to a web3 name (ENS, Unstoppable Domains, FIO) instead of a long address.
Merchants see your payment confirm quickly, then release goods or services.
Open a Pay-Now link, an invoice, or any U.CASH merchant checkout that accepts Stellar.
Select XLM as your payment method from the supported coins.
Send XLM to the merchant address, or web3 name, shown on screen.
The merchant watches the chain and releases your goods or services once Stellar confirms.
Any merchant running U.CASH Pay can take your XLM at checkout.
Pay a Pay-Now invoice or billing request in Stellar, straight from your wallet.
Support creators and causes with XLM, no intermediary taking a cut.
Pay merchants and converters face to face; they watch the chain for your payment.
Recurring billing handled per-cycle, settled direct to the merchant.
Pay agents per request over the HTTP-402 protocol using XLM.
The original proof-of-work blockchain and largest cryptocurrency.
The leading smart-contract blockchain and home of ERC-20.
A fast, low-fee Bitcoin-family payments chain.
Fast, low-cost payment ledger for cross-border value.
Pure Proof-of-Stake Layer 1 with instant finality.
The largest US-dollar stablecoin, live on Ethereum, Tron, and BNB Chain.
Two things and you are ready. A wallet that can hold Stellar and a little XLM for gas on its chain, and the receiving address you want the output delivered to, which can be a raw address or a web3 name where the wallet resolves one. The preview shows the full picture before anything is signed: what leaves, what arrives, the fee, and the network cost. Nothing in the flow asks you to hand over keys; the wallet stays yours and signs only what you approved on screen.
Count the costs on one hand. On the platform side a flat 0.50% covers the swap, all-in, stated in the quote with no spread or routing cut behind the number. On the network side, gas in XLM, settling with about 5 sec blocks on Stellar Consensus Protocol, shown per leg before signature. Settlement runs on-chain to your chosen address at this asset's policy, 1 ledger (fast), a few extra for high value, and from confirmation onward the balance answers to your keys alone, spendable, sendable, and settled with no platform anywhere in the path.
Execution runs through an instant integration, which means the number you approved is the number that happens or the transaction reverts: swaps are atomic, with no half-settled state to unwind and no exposure window between legs. If a route cannot fill at your approved bounds it fails cleanly and you re-quote, which is the failure mode you want, cheap and loud rather than silent and expensive.
Final, low-fee, borderless payments direct from your wallet to the merchant.