Payments that
check themselves.

Send a pay link. Your customer pays in USDC from any Stellar wallet. MoyaPay confirms it on-chain, matches it to the right invoice and marks it settled, in about five seconds.

Create your first pay link Try the checkout

No card. No node to run. No spreadsheet at the end of the month.

Payment requestsLive

MP-7KQ2XF50.00PendingPaid

MP-H2M6WE18.50Paid

MP-R4D8NC45.00Pending

Secured by moyapay

Bisi's Bakery50.00USDC · MP-7KQ2XF

Pay 50.00 USDCSending

+50.00 USDC verified5 of 5 checks · 4.8s

PaidMP-7KQ2XF50.00 USDC· 4.8sWrong amountMP-R4D8NC40.00 of 45.00PaidMP-H2M6WE18.50 USDC· 5.1sAlready paidMP-7KQ2XFnot countedPaidMP-B3XK7P35.00 USDC· 4.6sUnmatched12.00 USDC· no referenceExpiredMP-Q9TT2Bno payment in 24 hPaidMP-7KQ2XF50.00 USDC· 4.8sWrong amountMP-R4D8NC40.00 of 45.00PaidMP-H2M6WE18.50 USDC· 5.1sAlready paidMP-7KQ2XFnot countedPaidMP-B3XK7P35.00 USDC· 4.6sUnmatched12.00 USDC· no referenceExpiredMP-Q9TT2Bno payment in 24 h

HOW IT WORKS

From "please pay" to "paid"
in three moves.

You do the first. Your customer does the second. MoyaPay does the part you used to dread.

Amount

50.00USDC

MP-7KQ2XFyour unique reference

01 · YOU

Create a pay link

Amount, what it's for, when it expires. It gets a reference no other payment will ever share.

Approve in Freighter50.00 USDCto GCX4…7QPA · memo MP-7KQ2XF

Approve

02 · YOUR CUSTOMER

They tap and approve

In their own wallet, with their own keys. No address to copy, no memo to forget.

MP-7KQ2XFPendingPaid

tx 6962…1688 · saved to your records

03 · MOYAPAY

It turns Paid by itself

We see it land, check it, match it and keep the receipt. You just get the good news.

VERIFICATION

Five checks. Every payment.

A payment only counts when it clears all five, and each transaction is counted once, by its hash. Miss a check and it's flagged with the reason, never quietly marked Paid.

Right walletIt landed in yours

$Right coinReal USDC, right issuer

50.00Exact amountTo 7 decimals

Right referenceMatches the request

It went throughSuccessful on Stellar

Marked Paid · hash saved

RECONCILIATION

When it goes wrong,
you know why.

Short by a cent, wrong coin, paid twice, no reference, too late. Every payment that reaches your wallet gets a line in your books and a plain-English reason, so you can assign it, refund it or let it go.

See reconciliation

Incoming paymentsledger 1,284,519

MP-7KQ2XF50.00 USDCMatchedMarked Paid

MP-R4D8NC40.00 USDCWrong amountExpected 45.00

MP-7KQ2XF50.00 USDCAlready paidNot counted

MP-PX29LA20.00 XLMWrong assetWanted USDC

no memo12.00 USDCUnmatchedNo reference

FAQ

Before you ask.

Never. Payments go straight from your customer’s wallet to yours. We only watch the network and keep the records.

Your next payment could reconcile itself.

Free on Stellar Testnet. Your first pay link takes about a minute.

Create your first pay link

Payments thatcheck themselves.

From "please pay" to "paid"in three moves.