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.
Accept anything. Settle anywhere.
Take payments in dozens of currencies and networks. Deliver to the rail your business already runs on.
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.
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
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.
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';23const useroutr = new Useroutr(process.env.USEROUTR_KEY);45const payment = await useroutr.payments.create({6 amount: 49_00, // $49.007 currency: 'USD',8 accept: ['usdc', 'card', 'ach'],9 settle: { rail: 'stellar', address: 'GA...' },10});1112return payment.checkout_url;
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.
Transparent pricing. No surprises.
One simple rate. No monthly fees. Volume discounts kick in automatically as you grow.
- All chains and rails included
- Hosted checkout + Pay by link
- Dashboard, API, webhooks
- Payouts in 174 countries
- Standard support
- Everything in Self-serve
- Volume pricing tiers
- Dedicated routing & settlement
- White-label checkout
- 99.99% SLA · dedicated team
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.
We were paying $25 per wire to send contractors in Nigeria. With Useroutr it's basically free and lands in seconds.
Start accepting payments today.
Open a Useroutr account in 60 seconds. No setup fees. Cancel anytime — and your funds are always yours.