Solana is built with certain features that are ideal for payments including native fee abstraction, sub-cent fees, embedded memos, predictably stable fees, and fast confirmation times. In 2025, Solana processed over $1 trillion in stablecoin volume. This guide will help you build advanced payment systems for multiple use cases including remittances, treasury optimization, global payouts, cross-border payments, merchant acceptance, invoices, and more.
New to how balances and ownership work on Solana? Read Core Concepts, then review Assets for the token accounts and stablecoins used in payment flows.
Get Started
How Payments Work on Solana
New to Solana? Learn the core concepts of sending and receiving payments on Solana.
Send a Payment
Send your first stablecoin payment between accounts with optional memos for reconciliation.
Accept Payments
Integrate stablecoin payments into your checkout flow.
Payouts & Disbursements
Disburse funds to users, vendors, or employees at scale.
Why Solana
- Instant settlement. Funds secured in ~400ms. No T+2, no manual batch processing, no reconciliation delays.
- Sub-cent fees. Median fee ~$0.001 per transaction. Batch multiple payments into a single transaction to improve payment efficiency and reduce costs further.
- Local fee markets. Dedicated fee markets for payments so your flows are unaffected by other network activity.
- Parallel execution. Process transactions in parallel to further increase your payment throughput.
- Familiar UX. Sponsor or abstract away network fees so users pay in stablecoins without acquiring SOL.
- Programmable. Build custom payment applications with compliance built in (reconciliation memos, blacklists, automated tax accounting, etc.).
Is this page helpful?