# Stablecoin payment gateway for Latin America | Cosmos Pay URL: https://payments.cosmospay.lat/ > Stablecoin payments that reach your own address: payment links, a hosted checkout and an API. Customers pay from their wallet on Stellar, Solana or Monad. ## Accept stablecoins. Get paid in seconds. Payment links, hosted checkout and APIs to accept stablecoins on Stellar, Solana and Monad. Funds settle directly to your wallet in seconds. - [Create a payment link](https://dev.cosmospay.lat/login?next=%2Fdashboard%3Fview%3Dpayments) - [Read the docs](https://dev.cosmospay.lat/docs/) - No monthly fee on Starter - Try it on testnet with no real money [See the ways to integrate](https://payments.cosmospay.lat/integrations) ### Accept the networks, assets and wallets your customers already use. - **Networks and assets**: Stellar, Solana, Monad, USDC, EURC, XLM, SOL, MON - **Networks and tokens to swap between**: Ethereum, Base, Arbitrum, Optimism, BNB Chain, Polygon, Avalanche, Gnosis, Berachain, Scroll, X Layer, Abstract, Plasma, Robinhood Chain, Hyperliquid, Bitcoin, Litecoin, Dogecoin, Bitcoin Cash, Dash, Zcash, XRP Ledger, Tron, TON, NEAR, Sui, Aptos, Movement, Starknet, Cardano, Aleo, Fogo, USDT, USDT0, DAI, WBTC, cbBTC - **Wallets**: Cosmos Pay Wallet, Freighter, LOBSTR, xBull, Albedo, Rabet, Phantom, Solflare, Pollar ### What changes when you accept stablecoins. #### Final payments Once the network confirms a payment, it cannot be charged back. Refunds are your decision, sent from your wallet. #### Instant settlement With instant settlement the money reaches your address as soon as the network confirms it: about 5 seconds on Stellar. #### Protected payments Hold funds in a smart contract until the order is delivered. Your customer pays with confidence, and you get paid on delivery. #### Funds in your wallet Payments settle to an address you control, not to a balance you have to withdraw. #### Two ways to settle a payment. Settle instantly, or protect the payment until the order is delivered. ##### Instant For sales that are done once they’re paid: digital goods, services, donations. 1. Your customer pays from their wallet 2. The network confirms the payment 3. The money is at your address in seconds ##### Protected payment For orders you deliver later. The payment is held in a smart contract and released to you once delivery is confirmed. 1. Your customer pays from their wallet 2. The payment is held in a smart contract 3. Delivery is confirmed and the funds are released to you - [Create a payment link](https://dev.cosmospay.lat/login?next=%2Fdashboard%3Fview%3Dpayments) - [See every use case](https://payments.cosmospay.lat/use-cases) ### From a link to money in your wallet. 1. **Create**: A payment link in the dashboard, or a payment intent from your server. 2. **Share**: Send the link or show its QR code. The checkout shows the amount, the network and a countdown. 3. **Pay**: Your customer pays from their own wallet on Stellar, Solana or Monad. 4. **Confirm**: The payment is verified on-chain, the checkout turns to Paid and your webhook fires. - [Create a payment link](https://dev.cosmospay.lat/login?next=%2Fdashboard%3Fview%3Dpayments) - [See every integration option](https://payments.cosmospay.lat/integrations) ### Three ways to start charging. Start with a link today and move to the API when you need it. Every path uses the same checkout, dashboard and webhooks. #### Payment links (No code) Create a link in the dashboard and share it by chat, email or QR code. - A fixed amount, or one the payer chooses - A message the payer sees in their wallet - Live status in the dashboard [Create a payment link](https://dev.cosmospay.lat/login?next=%2Fdashboard%3Fview%3Dpayments) #### Hosted checkout (Low code) Send customers to a checkout we host, with the QR code, wallet buttons and live status. - Four ready-made designs - In English, Spanish, Portuguese, French, German, Hindi and Chinese - Pages no other site can frame [See the integration options](https://payments.cosmospay.lat/integrations) #### Payments API (Full control) Create payment intents from your server and hear back through signed webhooks. - REST, documented with OpenAPI - A TypeScript SDK - Webhooks signed with HMAC-SHA256 [Read the docs](https://dev.cosmospay.lat/docs/) ### Pay per payment. Each plan has its own rate per payment. Protected payments add 1.95% per payment. The payer’s wallet covers the network fee; on Monad, the deposit relay fee is deducted and shown at checkout. Private payments cost 0.18% per transaction. - **Starter**: 1.5% + 18¢ per payment, 0.65% per swap, No monthly fee - **Essentials**: 1.12% + 18¢ per payment, 0.26% per swap, $33 per month - **Growth**: 0.75% + 18¢ per payment, 0.13% per swap, $99 per month - **Enterprise**: Custom, 0.07% per swap - [Work out your fees](https://payments.cosmospay.lat/fees) - [Compare plans](https://cosmospay.lat/pricing) ### Built to be checked, not just trusted. #### Verified on-chain A payment counts only once the network confirms it, and every paid checkout links the transaction in a public explorer. #### Your keys stay yours We never ask for a secret key. Payers sign in their own wallet, and you receive at an address you control. #### Pages that can’t be framed Checkout pages refuse to load inside other sites, so nobody can dress them up as something else. #### Keys per environment Test and live API keys are separate and scoped to one organization, with roles and permissions for your team. [See how payments are protected](https://payments.cosmospay.lat/security) ### Questions and answers. [See every question](https://payments.cosmospay.lat/faq) Payments by network: [Stellar payments](https://payments.cosmospay.lat/stellar), [Solana payments](https://payments.cosmospay.lat/solana), [Monad payments](https://payments.cosmospay.lat/monad) #### What is Cosmos Pay? Cosmos Pay is a stablecoin payment gateway for businesses in Latin America. Create a payment link, a hosted checkout or a payment intent through the API; your customer pays from their own wallet on Stellar, Solana or Monad, and the funds settle to an address you control. #### Do I need my own crypto wallet? Yes. With Cosmos Pay, payments settle to an address you control on each network you accept: Stellar, Solana or Monad (on Monad, through a deposit address made for each payment, which can only forward it to yours). You add each wallet to your organization in the dashboard and prove it is yours with a signature, and payment links created there pay only into those wallets. Cosmos Pay never asks for a secret key and stores no one’s keys, so the funds are yours from the first payment and looking after the keys is up to you. #### Do my customers need an account? No. Your customers need no Cosmos Pay account, only a wallet on the payment’s network (Stellar, Solana or Monad) that holds the asset you charge in. They open the checkout, scan the QR code or tap their wallet’s button, and approve the payment in their wallet: there is nothing to sign up for. The checkout opens in their browser’s language when it is one of the seven it speaks (English, Spanish, Portuguese, French, German, Hindi and Chinese), and their wallet pays the network fee. #### Which wallets can my customers use? Your customers pay a Cosmos Pay payment link from their own wallet, on the network the link settles on. On Stellar, any wallet that opens SEP-7 links, such as Freighter, xBull, Rabet, LOBSTR, Albedo or Cosmos Pay Wallet. On Solana, any wallet that reads Solana Pay links, such as Phantom or Solflare; on Monad, any EVM wallet that reads EIP-681 links. Every link also comes with a QR code, so on a computer the customer can scan it with a phone wallet. ### Start accepting stablecoins. Create a free account, mint a test key and send your first payment link today. [Create a payment link](https://dev.cosmospay.lat/login?next=%2Fdashboard%3Fview%3Dpayments) #### Write to us Questions about plans, integration or protected payments? Tell us and we will reply by email. [organization@cosmospay.lat](mailto:organization@cosmospay.lat)