Pay

Pay with Stellar (XLM)

Pay any U.CASH merchant with Stellar. Your XLM settles final and direct from your wallet, with low fees and no chargebacks.

Why pay with Stellar

Crypto payments are final, global, and cheap. Stellar is a strong way to pay merchants directly.

No chargebacks

XLM payments are final on-chain. No card-style disputes clawing funds back weeks later.

Borderless

Pay any U.CASH merchant worldwide. No blocked regions, no currency conversion holds.

Low fees

Network fees instead of card processing percentages, especially on efficient chains.

Private by default

No card number to hand over. You sign a transaction from your own wallet.

Pay by name

Send to a web3 name (ENS, Unstoppable Domains, FIO) instead of a long address.

Fast settlement

Merchants see your payment confirm quickly, then release goods or services.

How to pay with Stellar

Step 01

Find a checkout

Open a Pay-Now link, an invoice, or any U.CASH merchant checkout that accepts Stellar.

Step 02

Choose ${c.name}

Select XLM as your payment method from the supported coins.

Step 03

Pay from your wallet

Send XLM to the merchant address, or web3 name, shown on screen.

Step 04

Merchant confirms

The merchant watches the chain and releases your goods or services once Stellar confirms.

Where you can pay

Online stores

Any merchant running U.CASH Pay can take your XLM at checkout.

Invoices

Pay a Pay-Now invoice or billing request in Stellar, straight from your wallet.

Donations and tips

Support creators and causes with XLM, no intermediary taking a cut.

In person

Pay merchants and converters face to face; they watch the chain for your payment.

Subscriptions

Recurring billing handled per-cycle, settled direct to the merchant.

AI agents

Pay agents per request over the HTTP-402 protocol using XLM.

Pay with 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.

Paying with Stellar: FAQ

Where can I spend Stellar?
Any merchant running U.CASH Pay can accept your XLM at checkout, plus invoices, donations, and in-person payments.
Can I get a refund in Stellar?
Refunds are up to the merchant, but Stellar refunds are simple: the merchant sends XLM back to your wallet address.
Do I pay network fees to pay with Stellar?
Yes. You pay the Stellar network fee for your transaction. On efficient chains that is a fraction of a cent.

Pay with Stellar anywhere

Final, low-fee, borderless payments direct from your wallet to the merchant.