useroutr

Cross-chain payments,without the custody.

One API for accepting and settling payments across chains. Built on Stellar. Useroutr never holds the money in between.

Read the docs
You're billing
$USD
Customer pays with
Settles in ~8-20s · On-chain

Accept anything. Settle anywhere.

Take paymentss in dozens of currencies and networks. Deliver to the rail your business already runs on.

Accept in
StellarUSDCUSDC€EURCXLMXLMSorobanSorobanCCircle CCTP V2SolanaSolanaPolygonPolygonEthereumEthereumStellarUSDCUSDC€EURCXLMXLMSorobanSorobanCCircle CCTP V2SolanaSolanaPolygonPolygonEthereumEthereum
Bridged in seconds, not minutes
Settle to
Bank · ACHSWIFTSEPAVisaVisa DirectMastercardMastercard SendMoneyGramMoneyGramM-PesaWiseStripe TreasuryBank · ACHSWIFTSEPAVisaVisa DirectMastercardMastercard SendMoneyGramMoneyGramM-PesaWiseStripe Treasury

Everything you need to run and grow your business.

One stack for payments, payouts, invoicing, FX, and treasury — so you don't stitch four vendors together to take a single dollar.

  • Hosted checkoutDrop-in payment pages in your brand.
  • Pay by linkShare a URL, get paid in any currency.
  • Invoicing & subscriptionsRecurring billing on-chain or off-chain.
  • Global payoutsBank, card, or mobile in 174 countries.
  • Multi-currency walletsUSDC, EURC, XLM and fiat — one balance.
  • FX & on/off-rampConvert at market rates, settle in seconds.
See all featuresRead use cases
FeaturedHosted checkout
buy.acme.com/checkout
A
Acme Studio
Pro plan · monthly
$49.00
USD
USDCUSDCStellar49.00 USDC
VisaCardVisa · Mastercard$49.00
Bank transferACH · SEPA$49.00
Powered by UseroutrOn-chain settlement

One link. Any currency. Any rail.

Drop-in checkout that takes USDC, EURC, card, or bank — and settles to your treasury in seconds. Your branding, our routing.

Raise revenue without changing your stack.

Plug Useroutr into your existing AR or marketplace flow. Collect in dozens of currencies, deliver to the bank you already use, and watch DSO drop.

  • Same-day settlement on cross-border invoices
  • Multi-party splits for marketplaces
  • Automatic FX at market rates
  • Reconciliation that ties to your ledger
See finance use cases
Treasury · Q1 vs Q4
avg across 124 customers
↑ Switched to Useroutr
Faster collections
+67%
DSO 41d → 14d
Cross-border fee
$0.0001
vs $25 wire
Avg settlement
2.3s
End to end
Countries reachable
174
Bank · mobile · card
12-week revenue trend+42.8%
New payment linkdashboard ›
Description
Pro plan · annual
Amount
$588.00
Currency
USD
Customer
alex@acmestudio.co
Live link
useroutr.com/pay/4f9a-acme
Send by email, SMS, or QR.
Customer pays in any currency.

No engineers? No problem.

Take payments from the dashboard in three clicks. Pay-by-link, invoices, and hosted checkout — no SDK, no devops, nothing to deploy.

Pay by linkSend a URL, get paid.
InvoicesRecurring or one-off.
Hosted checkoutEmbed in your site.
Start in the dashboard

Built for engineers, not architects.

One API to accept, route, and settle. Typed SDKs for the languages your team already writes in. Webhooks, idempotency, and request logs out of the box.

1import { Useroutr } from '@useroutr/sdk';
2
3const useroutr = new Useroutr(process.env.USEROUTR_KEY);
4
5const payment = await useroutr.payments.create({
6  amount:   49_00,           // $49.00
7  currency: 'USD',
8  accept:   ['usdc', 'card', 'ach'],
9  settle:   { rail: 'stellar', address: 'GA...' },
10});
11
12return payment.checkout_url;
Charge in 4 lines.
Same SDK across every supported chain and rail.
Read the docs
Integrations40+ pre-built · custom via webhooks

Plugs into the tools your team already runs.

Sync to your accounting, fire alerts in Slack, automate workflows. We send a webhook for every state change.

StripeStripe
QuickBooksQuickBooks
XeroXero
NNetSuite
ZapierZapier
SlackSlack
NotionNotion
Webhooks
See all integrations

Transparent pricing. No surprises.

One simple rate. No monthly fees. Volume discounts kick in automatically as you grow.

Most popularSelf-serve
0.5%per transaction
$0/mo · No setup · Cancel anytime
  • All chains and rails included
  • Hosted checkout + Pay by link
  • Dashboard, API, webhooks
  • Payouts in 174 countries
  • Standard support
Enterprise
Customfor $1M+/mo volume
Volume tiers · Dedicated team
  • Everything in Self-serve
  • Volume pricing tiers
  • Dedicated routing & settlement
  • White-label checkout
  • 99.99% SLA · dedicated team
Talk to sales

Network fees (Stellar, Visa, ACH, etc.) are passed through at cost — no markup. See the full breakdown on the pricing page.

What teams in the private beta are saying.

We replaced four vendors with Useroutr. Cards, USDC, off-ramp, and bank payouts now share one ledger.
MOMaya OkonkwoHead of Treasury · Helix Labs
We were paying $25 per wire to send contractors in Nigeria. With Useroutr it's basically free and lands in seconds.
DKDavid KimOps Lead · Brushwood

Start accepting payments today.

Open a Useroutr account in 60 seconds. No setup fees. Cancel anytime — and your funds are always yours.

Read the docs
Live on Stellar mainnet