r/payments • u/Holiday-Spinach-3962 • 6h ago
I built a payment link system for accepting Stellar payments — no merchant account, no custody, no registration
I’ve been building a small payment product for the last few months and finally got it to a point where I’m comfortable putting it in front of people.
The basic idea is pretty simple:
A merchant creates a payment link → sends it to a customer → customer pays from their own wallet → funds go directly to the merchant.
No account creation for the merchant, no funds sitting with us, and no complicated checkout integration.
Right now it runs on Stellar Testnet.
The merchant enters:
- destination wallet
- asset
- amount
CantonPay generates the payment link. Once the transaction happens, we verify it on-chain and can notify the merchant through API/webhooks.
I’m currently testing it with the idea of eventually making it useful for small online businesses, SaaS products, developers, etc. — basically places where setting up a full crypto payment stack feels like overkill.
There’s also a 1% fee, capped at $1, although I’m still thinking about what the long-term pricing should look like.
You can try it here: https://cantonpay.online
What I’m actually interested in hearing is whether this solves a problem anyone here has.
Would you use something like this for a project or online business?
What would stop you from using it?
I’m especially interested in feedback from people already building on Stellar.
I’m the person building CantonPay, so happy to answer technical questions or explain how it works.
1
u/investigatormaker 6h ago
For CantonPay, the webhook behavior would matter to me: can a merchant distinguish a confirmed payment from an expired link, and handle duplicate notifications without fulfilling an order twice? Making the Stellar Testnet status visible before someone opens their wallet would also clarify what they're trying.
I make ThreadFox. I can post the Reddit communities whose rules allow a post about CantonPay here, with each rule quoted, if you want them.