Accept Stellar payments

How XLM settles here

Payments go to an account you own and are matched to the invoice by a per-payment reference, so no forwarding step exists. NoHoldPay reads the ledger, resolves the reference to your invoice, and delivers the signed webhook on confirmation, with your account balance never leaving your control.

Why merchants take Stellar

XLM earns its place on a checkout wherever your customers are paying across a border. Stellar's design goal was moving value between currencies and countries at minimal cost, and the people who hold XLM often picked it up for exactly that use, so a merchant invoice fits habits they already have. Payments arrive in your own Stellar account, matched to invoices by memo, with no intermediate address and nothing for a sweep to move later. Confirmation is quick, and the fee overhead is small enough to make tiny orders viable, opening price points that card economics quietly forbid. Your account, your keys, from the first payment.

Worth knowing

The memo does the matching, so the checkout treats it as first-class. Alongside the classic address and memo it can present a muxed address, a single string that folds the memo into the address itself so a supporting wallet cannot drop it. Your receiving account is an ordinary Stellar account you already control, and it has to exist on the network before it can receive. Ledger closes are fast and final, with no reorganization to guard against, which is why an XLM payment feels settled the moment it confirms.

The platform fee is 0.5% per confirmed payment, prepaid. New accounts start with $50 of live credit, covering roughly the first $10,000 processed. Checkout ships hosted, or through the WooCommerce and OpenCart plugins.

Common questions

What is the muxed address my Stellar checkout displays?

It is your account address and the invoice memo folded into a single string, so a buyer who pastes it cannot leave the memo behind: the identifier is structurally part of the destination. Wallets that support the format treat it as one address. The classic address and separate memo are shown as well.

Why does XLM suit merchants with international customers?

Stellar was built around low-cost cross-currency settlement, so buyers in countries with expensive or unreliable card rails often already use Stellar-based apps for remittances and savings. For them an XLM payment clears in moments, costs almost nothing to send, and avoids the cross-border declines that plague card checkouts.

What happens if a wallet strips the memo from an XLM payment?

The funds still arrive in your own Stellar account, since there is no intermediary address to lose them in. Without the memo the payment cannot claim its invoice automatically, so it waits for a manual match instead of confirming on its own. The muxed address format exists largely to keep this from happening.