Accepting Payments
Fiatsend gives businesses several ways to get paid. All of them live under Payments in Fiatsend Console, share the same payment settings, and report their status in one place.
Choose How You'll Collect
| I want to… | Use | How it works |
|---|---|---|
| Ask one customer to pay a specific amount, right now | Payment links | Create a link or QR code for an amount and send it by WhatsApp, SMS or any chat. |
| Bill a customer with itemised details and track whether they've paid | Invoices | Build a branded invoice, send it by email or WhatsApp, and follow it from sent to paid. Receipts go out automatically. |
| Take payments on my website or app | Website Checkout | Add a payment button, embed checkout in your page, or create checkouts from your server with the API. |
Ways Your Customer Can Pay
| Method | What happens | Confirmed |
|---|---|---|
| Fiatsend checkout | The customer pays online with USDC on Stellar, from their own wallet, or from a Fiatsend balance if they sign in. | Automatically, once the payment is seen on the network. |
| Mobile money (Ghana cedi) | The customer sends money to your mobile money number, then taps I've sent the payment. | By you, after you check your account. |
| Bank transfer | The customer sends money to your bank account, then taps I've sent the payment. | By you, after you check your account. |
You choose which methods to offer, as a default in Payment settings and again on each invoice, payment link or button. Mobile money is available for Ghana cedi amounts only.
How Manual Payments Work
Mobile money and bank transfer go straight to your own account, so Fiatsend can't see them arrive. Instead:
- The customer sees your account details and sends the money.
- They tap I've sent the payment, and can add a mobile money transaction ID or bank sender details to help you match it.
- You get an email (and a WhatsApp message if you have a phone number saved) asking you to check your account.
- In Payments → Invoices, open Review payment and choose Confirm received or I didn't receive it.
- Confirm marks it paid and sends the customer their receipt.
- I didn't receive it closes the claim and tells the customer (by email and WhatsApp) so they can check the details and try again.
Confirming marks the payment as paid and sends a receipt. Check that the money has actually arrived in your account before you confirm.
Getting Paid and Seeing Your Balance
Online payments are sent to the Stellar wallet you've connected under Linked accounts. You can also fund and hold balances in Account balances. See Fiatsend Console.
Receipts and Notifications
- Receipts go to your customer by email and WhatsApp (SMS if WhatsApp isn't available) as soon as a payment is confirmed, if you have receipts switched on. Each payment gets one receipt.
- You get an email when funds are deposited into your balance, and when a customer says they've paid by mobile money or bank transfer. If you've saved a phone number you also get a WhatsApp message (SMS if WhatsApp isn't available), which follows your WhatsApp notification setting. Choose which optional messages you receive under Settings → Notifications. Security and account notices are always sent.
Test First
Switch the Console to Sandbox to try any of these without moving real money. See Sandbox vs production.