# Stellar payments API: accept USDC and XLM | Cosmos Pay

URL: https://payments.cosmospay.lat/stellar

> Cosmos Pay turns each payment into a SEP-7 link and QR code. Your customer pays from their own Stellar wallet, and the money goes straight to your address.

## Accept payments on Stellar

Cosmos Pay turns each payment into a SEP-7 link and QR code. Your customer pays from their own Stellar wallet, and the money goes straight to your address.

Updated November 2, 2026

### How a payment works on Stellar

#### Payment link

SEP-7 links (web+stellar:pay) and their QR code. A payment from one known account can carry a prepared transaction instead (web+stellar:tx).

#### Wallets that pay

Any wallet that opens SEP-7 links. The hosted checkout can also open the payment in the Cosmos Pay Wallet extension or its web wallet.

- Cosmos Pay Wallet
- Freighter
- LOBSTR
- xBull
- Albedo
- Rabet

#### How it is matched

The memo on the link, a numeric MEMO_ID. A wallet that opens the link adds it; a payment sent by hand needs it too.

#### Where the money goes

Straight to your Stellar address once the network confirms the payment: about 5 seconds.

#### Test network

Stellar Testnet with a test key (dv_); the public network with a live key (prod_).

### Assets with a preset

The dashboard offers these by name. Any other Stellar asset goes by its code and issuer.

| Asset | Issuer | Environment |
| --- | --- | --- |
| XLM | The network’s own coin | Mainnet |
| USDC (Circle) | [GA5ZSEJYB37JRC5AVCIA5MOP4RHTM335X2KGX3IHOJAPP5RE34K4KZVN](https://stellar.expert/explorer/public/account/GA5ZSEJYB37JRC5AVCIA5MOP4RHTM335X2KGX3IHOJAPP5RE34K4KZVN) | Mainnet |
| USDT0 (Tether) | [GATISXX6BZ6NC7IKQBY37CJD4SOZL3CYZJWXEDG6JVIY4WBS6KXJHN6Q](https://stellar.expert/explorer/public/account/GATISXX6BZ6NC7IKQBY37CJD4SOZL3CYZJWXEDG6JVIY4WBS6KXJHN6Q) | Mainnet |
| EURC (Circle) | [GDHU6WRG4IEQXM5NZ4BMPKOXHW76MZM4Y2IEMFDVXBSDP6SJY4ITNPP2](https://stellar.expert/explorer/public/account/GDHU6WRG4IEQXM5NZ4BMPKOXHW76MZM4Y2IEMFDVXBSDP6SJY4ITNPP2) | Mainnet |
| XLM | The network’s own coin | Testnet |
| USDC (Circle) | [GBBD47IF6LWK7P7MDEVSCWR7DPUWV3NY3DTQEVFL4NAT4AQH3ZLLFLA5](https://stellar.expert/explorer/testnet/account/GBBD47IF6LWK7P7MDEVSCWR7DPUWV3NY3DTQEVFL4NAT4AQH3ZLLFLA5) | Testnet |
| USDB (BlindPay) | [GCQSSIMOW5OCGULZATDXKU5MOJBOMFX6G65X6CXZDQ7AIB3SKFUZ67NX](https://stellar.expert/explorer/testnet/account/GCQSSIMOW5OCGULZATDXKU5MOJBOMFX6G65X6CXZDQ7AIB3SKFUZ67NX) | Testnet |

### What it costs

Each payment pays your plan’s rate. The payer’s wallet pays the Stellar network fee.

- **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)

### Create a Stellar payment link

One request to the Payments API with your secret API key. The response carries the payment link (uri), its QR code and the id of its hosted checkout.

- [Payment intents API](https://dev.cosmospay.lat/docs/api/payment-intents/)
- [Getting started](https://dev.cosmospay.lat/docs/getting-started/)
- [Every way to integrate](https://payments.cosmospay.lat/integrations)

```bash
curl https://api.cosmospay.lat/cosmos-api/v1/payment-intents/pay \
  -H "Authorization: Bearer $COSMOS_PAY_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "chain": "stellar",
    "destination": "G…YOUR_STELLAR_ACCOUNT",
    "amount": "25",
    "assetCode": "USDC",
    "assetIssuer": "GA5ZSEJYB37JRC5AVCIA5MOP4RHTM335X2KGX3IHOJAPP5RE34K4KZVN",
    "msg": "Order #1001"
  }'
```

A test key (dv_) creates the link on Testnet: use the Testnet USDC issuer from the table above, or leave out assetCode and assetIssuer to charge in XLM.

### Stellar payments: questions and answers.

Other networks: [Solana payments](https://payments.cosmospay.lat/solana), [Monad payments](https://payments.cosmospay.lat/monad)

#### Which wallets can pay a Stellar payment link?

Any wallet that opens SEP-7 links, such as Freighter, xBull, Rabet, LOBSTR, Albedo or Cosmos Pay Wallet, can pay a Cosmos Pay payment link on Stellar. The hosted checkout can also open the payment in the Cosmos Pay Wallet extension or its web wallet, and on a computer the customer can scan the QR code with a phone wallet. Your customer needs no account: their wallet pays the Stellar network fee, and the money goes straight to your Stellar address.

#### Why does a Stellar payment carry a memo?

Cosmos Pay matches each Stellar payment to its payment link by the link’s memo, a numeric MEMO_ID. A wallet that opens the SEP-7 link, from a tap or its QR code, adds the memo itself. A payment sent by hand needs the same memo: without it, Cosmos Pay cannot match the payment to its link. Once the network confirms a payment with the right memo, about 5 seconds on Stellar, the checkout turns to Paid and your webhook fires.

#### Can I charge in USDC or EURC on Stellar?

Yes. On Stellar’s public network, Cosmos Pay offers Circle’s USDC and EURC by name, next to XLM and Tether’s USDT0, and USDC has a preset on Stellar Testnet too. Any other Stellar asset goes by its code and issuer when you create the link. Your customer pays in the asset set on the link, and that same asset reaches your Stellar address once the network confirms the payment: about 5 seconds.

#### How do I test Stellar payments without real money?

Create a test API key (dv_) in the Cosmos Pay dashboard, or choose Sandbox there: payment links then run on Stellar Testnet, and their checkout says that no real funds move. Charge in Testnet USDC with its preset issuer, or in XLM, which Friendbot, the Testnet faucet, sends to a test account. A live key (prod_) then creates the same links on Stellar’s public network: the key decides the network, not the code.

#### Can I add my own fee to a Stellar payment?

Yes. Cosmos Pay can add your own fee to a Stellar payment, paid to a fee wallet you choose; it is separate from your plan’s rate, which each payment still pays. A SEP-7 payment link pays only one account, so a link with your fee asks the payer for their Stellar account and builds one prepared transaction (web+stellar:tx) that pays you and your fee wallet together. The payer approves that single transaction in their wallet.

#### Can the amount of a Stellar payment stay private?

Yes, with Cosmos Pay’s private payments: the network checks a zero-knowledge proof instead of reading the amount, so the amount stays private on-chain. They run on Stellar, on OpenZeppelin’s confidential token for Stellar, and are on Testnet for now; Solana and Monad payments do not offer them. A private payment costs 0.18% per transaction, the same on every plan.

### Related guides

[See every guide](https://payments.cosmospay.lat/learn)

#### [How to accept USDC on Stellar with SEP-7 links](https://payments.cosmospay.lat/learn/accept-usdc-on-stellar)

Charge USDC on Stellar with a SEP-7 link: prepare your account, test on Testnet and see each payment confirmed.

#### [Stellar vs Solana vs Monad for accepting payments](https://payments.cosmospay.lat/learn/stellar-vs-solana-vs-monad)

The three networks side by side, as Cosmos Pay supports them: link format, assets, test networks and fees.

#### [How to send USDT0 from Stellar to EVM networks](https://payments.cosmospay.lat/learn/usdt0-from-stellar)

Move USDT0 from Stellar to an EVM network through LayerZero: pick a route, see the fees, sign once and follow delivery.

### 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)