---
title: Payments
description:
  Build global payment systems with instant settlement and fees under $0.001
---

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**](https://app.artemisanalytics.com/asset/solana?from=assets) 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](/docs/core), then review [Assets](/docs/tokens) for the token
accounts and stablecoins used in payment flows.

<DocsDiagram
  src="/assets/docs/diagrams/payments-overview.svg"
  alt="A customer signs a stablecoin payment that settles to a merchant and produces a verifiable receipt"
/>

## Get Started

<Cards>
  <Card
    title="How Payments Work on Solana"
    href="/docs/payments/how-payments-work"
  >
    New to Solana? Learn the core concepts of sending and receiving payments on
    Solana.
  </Card>
  <Card title="Send a Payment" href="/docs/payments/send-payments">
    Send your first stablecoin payment between accounts with optional memos for
    reconciliation.
  </Card>
  <Card title="Accept Payments" href="/docs/payments/accept-payments">
    Integrate stablecoin payments into your checkout flow.
  </Card>
  <Card
    title="Payouts & Disbursements"
    href="/docs/payments/send-payments/payment-processing"
  >
    Disburse funds to users, vendors, or employees at scale.
  </Card>
</Cards>

## 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.).

{/* TODO: Add link to "Learn how Solana makes global payments possible" */}