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XLM Payment Gateway

Plug Stellar (XLM) payments into your platform with GatewayCrypto. Transactions settle in 3-5 seconds with fees so small they're essentially zero. Our API handles memo fields for order matching, payment tracking, and webhooks so you can focus on building your product, not monitoring the blockchain.

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Stellar Payment Gateway

Supported XLM Networks

Stellar Network
< 5 min
Integration Time
99.9%
Uptime SLA
Real-Time
Webhook Delivery

How XLM Payment Gateway Works

Our XLM payment gateway manages the full payment flow from start to finish. We generate a unique memo for each order, watch the Stellar Network for incoming payments, and fire a webhook to your server the moment funds arrive. No need to run your own Stellar node or build memo matching logic yourself.

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  1. 1

    Customer Selects XLM at Checkout

    Your checkout page presents XLM as a payment option. The customer sees the deposit address and a unique memo field tied to their order.

  2. 2

    We Generate a Unique Memo

    Our API creates a memo value linked to this specific order and your merchant account. This is how we match incoming Stellar payments to the right order without ambiguity.

  3. 3

    Customer Sends XLM

    The customer sends XLM from any compatible wallet, including the memo in the transaction. We monitor the Stellar Network and match the payment to the correct order in real time.

  4. 4

    3-5 Seconds Later: Confirmed

    Stellar transactions close in seconds, not minutes. We dispatch a signed webhook to your callback URL as soon as the payment is confirmed and funds are settled to your account.

Integration Options

REST API

Create XLM payment invoices with a single API call. We handle memo assignment and Stellar Network monitoring for you.

REST API XLM 
curl -X POST https://api.gatewaycrypto.io/v1/payments \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "currency": "XLM",
    "amount": 100.00,
    "order_id": "ORD-43892",
    "callback_url": "https://yoursite.com/webhook"
  }'

Python SDK

Install the GatewayCrypto Python package and start processing XLM payments in a few lines of code. Memo fields are handled automatically.

Python SDK XLM 
from gatewaycrypto import Client

client = Client(api_key="YOUR_API_KEY")

payment = client.payments.create(
    currency="XLM",
    amount=100.00,
    order_id="ORD-43892",
    callback_url="https://yoursite.com/webhook",
)

print(payment.wallet_address)     # Stellar address
print(payment.memo)               # Required memo field
print(payment.expires_at)         # Payment window

E-Commerce Plugins

Drop-in plugins for WooCommerce, Shopify, PrestaShop, and more. Enable XLM payments from your store dashboard without writing any code.

Why Choose GatewayCrypto for XLM Payments

Stellar (XLM) Payment Gateway

  • Near-Zero Transaction Fees

    Stellar's base fee is 0.00001 XLM per transaction, fractions of a cent. Whether you're processing micropayments or large transfers, the cost stays the same.

  • 3-5 Second Settlement

    The Stellar Network closes ledgers every few seconds. Your customers pay, you see confirmation almost immediately, no block confirmations needed.

  • Built for Global Payments

    Stellar was designed specifically for cross-border transfers and remittances. Its anchor system lets you connect to fiat on/off ramps in multiple regions.

  • Memo Field for Clean Order Matching

    Each XLM invoice gets a unique memo value. Our gateway matches payments to orders automatically, so you never have to reconcile transactions by hand.

  • Enterprise-Grade Security

    Non-custodial setup, signed webhooks, IP whitelisting, and compliance tooling built in. Ready for regulated industries.

Integrate XLM Payments Today

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Frequently Asked Questions

Stellar ledgers close every 3-5 seconds, which means XLM payments settle almost instantly. We send a webhook to your server as soon as the transaction is confirmed on the network.

The memo is a short text or number attached to a Stellar transaction. It tells us which order the payment belongs to. Our gateway generates a unique memo per invoice and displays it to the customer at checkout. If the memo is missing, we can't automatically match the payment to an order.

We charge a straightforward per-transaction fee with no monthly minimums or hidden charges. The Stellar network fee itself is 0.00001 XLM, essentially free, and is paid by the sender. Reach out to our sales team for volume pricing.

Yes. Enable auto-conversion in your dashboard and incoming XLM is converted to USD, EUR, or other supported currencies at the time of settlement. The fiat lands in your bank account and you never have to touch crypto directly.

Use our REST API for custom builds, grab a Python, Node.js, or PHP SDK for faster development, or install a ready-made plugin for WooCommerce, Shopify, or PrestaShop. Most teams are live in under 30 minutes.

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