XLM

Accept Stellar (XLM) Crypto Payments

Enable 5-second, near-zero-fee Stellar XLM checkout for global SaaS, remittances, hosting, and e-commerce at a flat 0.5% XPayr gateway fee.

Start accepting XLM View API Docs AI & MCP Portal

0.5%

Gateway fee

30+

Supported tokens

7+

Blockchain networks

24/7

Always-on settlement

What is Stellar Lumens (XLM)?

Stellar (XLM) was purpose-built for fast, ultra-low-cost cross-border payments and global digital dollar corridors. Accepting XLM on XPayr gives international buyers a 5-second, sub-cent payment rail with clean invoice reconciliation and 99.5% direct merchant wallet settlement.

Supported Networks: Stellar Network & Supported Cross-Chain Routes
4-step flow

How do XLM payments work?

Accept Stellar Lumens payments through XPayr in four simple steps.

1

Create merchant account

Sign up on XPayr and configure your wallet address for XLM settlement.

2

Integrate payment flow

Use API, plugins, payment links, or widgets to add XLM checkout to your site.

3

Customer pays with XLM

Customer selects Stellar Lumens at checkout. XPayr generates a payment invoice with real-time pricing.

4

Receive to your wallet

Once confirmed on-chain, the payment is settled directly to your personal XLM wallet.

Why accept Stellar Lumens payments?

Compelling reasons to add XLM as a payment option for your business.

5-Second Consensus Finality

Confirm retail, POS, and SaaS checkouts almost instantaneously at ~$0.00001 network cost.

Global Cash-In / Exchange Reach

Supported across global exchanges, MoneyGram-connected wallets, and emerging-market apps.

Clean Webhook & ERP Records

Replace manual memo screenshot checks with automated session IDs and CSV/JSON exports (/accounting).

create-payment.js 
const response = await fetch('https://api.xpayr.com/v1/payment', {
  method: 'POST',
  headers: {
    'x-api-key': YOUR_API_KEY,
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    price_amount: 100,
    price_currency: 'usd',
    pay_currency: 'xlm',
    order_id: 'ORDER-001'
  })
});

const payment = await response.json();
// payment.pay_address  → Send XLM here
// payment.pay_amount   → Exact XLM amount

How to accept Stellar Lumens payments

  1. Sign up Create your free XPayr merchant account.
  2. Add your XLM wallet Enter your Stellar Lumens wallet address for settlement.
  3. Generate API key Create an API key from your merchant dashboard.
  4. Choose integration method Use API, plugins, invoices, or payment buttons.
  5. Start accepting XLM! Go live and let customers pay with Stellar Lumens.
Transparent 0.5% Gateway Fee for XLM

Accepting $1,000.00 in Stellar Lumens (XLM) costs a flat $5.00 USD (0.5%) gateway fee with $995.00 USD settled directly to your non-custodial wallet. Zero custody, zero rolling reserves, and 1% (max $0.50) exchange withdrawal fee tolerance.

Automate XLM Checkout via AI Agents & MCP

Invoke xpayr_create_payment_session or xpayr_calculate_gateway_fee for XLM using npx -y @xpayr/mcp-server or our Remote MCP endpoint:

POST https://xpayr.com/api/mcp
FAQ

Stellar Lumens Payment Questions

Everything you need to know about accepting XLM payments through XPayr.

Stellar ledgers close roughly every 5 seconds with deterministic finality and sub-cent transaction fees.

No. XPayr operates a 100% non-custodial architecture where confirmed payments settle directly to merchant-controlled wallets.

Yes. Enable XPayr across any of our 11 storefront & billing integrations (/plugins) or REST API v1 (/sdks).

Ready to accept Stellar Lumens payments?

Create your free merchant account and start accepting XLM in minutes. No monthly fees, transparent pricing, direct wallet settlement.

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