Fluxapay is a payment gateway on the Stellar blockchain that enables merchants to accept crypto payments and get settled in their local fiat currency.
FluxaPay bridges the gap between crypto payments and real-world commerce—making stablecoin payments as easy to integrate as Stripe.
Despite growing crypto adoption, everyday commerce remains largely fiat-based.
A major pain point is that crypto-native customers are forced to offramp every time they want to pay a merchant. This introduces:
• Extra fees from offramping and FX conversions
• Payment delays and failed transactions
• Poor checkout experience for crypto users
• Lost sales for merchants
At the same time, merchants want to accept crypto without holding volatile assets, managing wallets, or dealing with on-chain complexity.
Fluxapay solves this by enabling USDC-in → fiat-out payments with a merchant-friendly experience.
1. Merchant Creates a Charge
Merchant creates a payment request via API or Payment Link.
2. Customer Pays in USDC (Stellar)
Customer pays from any supported Stellar wallet.
3. Instant Verification
FluxaPay verifies the payment on-chain and updates the payment status in real-time.
4. Settlement to Merchant (Local Fiat)
FluxaPay converts and settles the value to the merchant’s preferred local currency via bank transfer or supported payout channels.
• Merchant API for Seamless Integration
- Create payments/charges
- Fetch payment status
- Issue refunds (where supported)
- Manage customers & metadata • Webhooks
- payment.created , payment.pending , payment.confirmed , payment.failed , payment.settled
• Payment Links
- Shareable links for quick checkout (social commerce, WhatsApp, Instagram, etc.) • Invoices
- Generate invoices with payment links and track payment status
- Perfect for freelancers, agencies, and B2B billing
• Merchant Dashboard & Analytics • Reconciliation Reports • Built for Emerging Markets
• Merchant calls FluxaPay API to create a payment • Customer completes payment via hosted checkout or embedded flow • Fluxapay sends webhook when confirmed • Merchant fulfills the order
• Merchant generates a payment link (amount, currency, description) • Customer pays using Stellar USDC • Merchant is notified via dashboard + webhook/email (optional)
• Blockchain: Stellar
• Stablecoin Rail: USDC on Stellar
• Backend: Node.js (TBD)
• Smart Contracts: Stellar Soroban
• Database: PostgreSQL
• APIs: REST + Webhooks
• Frontend: Next.js (Merchant Dashboard)
• FX & Settlement: On-chain liquidity + payout partners
• E-commerce stores and marketplaces • SaaS and subscription businesses • Freelancers & agencies (invoices + payment links) • Cross-border payments for global customers • Merchants in emerging markets accepting stablecoin payments
Make stablecoin payments simple, practical, and accessible so merchants can sell globally while customers pay directly with USDC, without offramping friction.
• [ ] Core payment gateway (USDC on Stellar) • [ ] Merchant dashboard • [ ] API for payments + webhooks • [ ] Payment links • [ ] Invoicing • [ ] SDKs • [ ] Fiat settlement integrations • [ ] Refunds & dispute tooling (where applicable) • [ ] Multi-currency support & expanded stablecoins
Contributions are welcome!
Open an issue or submit a PR to help build Fluxapay.