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.
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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.).
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