Basic Payment

Solana enables instant, global token transfers with fees under $0.001. Whether you're building cross-border remittances, payroll disbursements, or treasury operations, a basic stablecoin payment settles in under a second and costs a fraction of a cent.

How It Works

A payment moves stablecoins from the sender's token account to the recipient's token account. If the recipient is receiving this token for the first time, their token account can be created as part of the same transaction.

See How Payments Work on Solana for core payment concepts.

The splToken helper from @solana/client handles ATA derivation, decimal conversion, and transaction building automatically. This is ideal for single payment transfers.

The steps below show the core flow. See the Demo for complete runnable code.

Create the Token Helper

Configure the splToken() helper by calling client.splToken() with the mint address. The helper provides methods for common token operations.

Setting tokenProgram: "auto" automatically detects whether the mint account is owned by Token or Token-2022 program.

Basic Payment

const client = createClient({
  endpoint: "http://localhost:8899",
  websocketEndpoint: "ws://localhost:8900",
  commitment: "confirmed"
});

const splToken = client.splToken({
  mint: mint.address,
  tokenProgram: "auto"
});

Send the Payment

Use sendTransfer() to transfer tokens between wallets. The method handles:

ATA Resolution: Automatically derives Associated Token Accounts (ATAs) for the sender and recipient. If the recipient's ATA doesn't exist, the instruction to create the account is automatically added to the same transaction.
Decimal Conversion: Accepts token amounts and automatically converts to base units based on the mint's decimals (e.g. 0.25 tokens -> 250000 base units, if the mint has 6 decimals)
Transaction Building: Creates, signs, and sends the transaction with the transfer instruction

Basic Payment

const client = createClient({
  endpoint: "http://localhost:8899",
  websocketEndpoint: "ws://localhost:8900",
  commitment: "confirmed"
});

const splToken = client.splToken({
  mint: mint.address,
  tokenProgram: "auto"
});

const signature = await splToken.sendTransfer({
  amount: 0.25,
  authority: sender,
  destinationOwner: recipient.address
});

Verify Balances

After the transfer completes, use fetchBalance() to verify the token balances. This method takes a wallet address and automatically derives the corresponding ATA to fetch the balance.

Basic Payment

const client = createClient({
  endpoint: "http://localhost:8899",
  websocketEndpoint: "ws://localhost:8900",
  commitment: "confirmed"
});

const splToken = client.splToken({
  mint: mint.address,
  tokenProgram: "auto"
});

const signature = await splToken.sendTransfer({
  amount: 0.25,
  authority: sender,
  destinationOwner: recipient.address
});

const senderBalance = await splToken.fetchBalance(sender.address);
const recipientBalance = await splToken.fetchBalance(recipient.address);

Create the Token Helper

Configure the splToken() helper by calling client.splToken() with the mint address. The helper provides methods for common token operations.

Setting tokenProgram: "auto" automatically detects whether the mint account is owned by Token or Token-2022 program.

Send the Payment

Use sendTransfer() to transfer tokens between wallets. The method handles:

ATA Resolution: Automatically derives Associated Token Accounts (ATAs) for the sender and recipient. If the recipient's ATA doesn't exist, the instruction to create the account is automatically added to the same transaction.
Decimal Conversion: Accepts token amounts and automatically converts to base units based on the mint's decimals (e.g. 0.25 tokens -> 250000 base units, if the mint has 6 decimals)
Transaction Building: Creates, signs, and sends the transaction with the transfer instruction

Verify Balances

After the transfer completes, use fetchBalance() to verify the token balances. This method takes a wallet address and automatically derives the corresponding ATA to fetch the balance.

Basic Payment

const client = createClient({
  endpoint: "http://localhost:8899",
  websocketEndpoint: "ws://localhost:8900",
  commitment: "confirmed"
});

const splToken = client.splToken({
  mint: mint.address,
  tokenProgram: "auto"
});

Demo



// Generate keypairs for sender and recipient
const sender = (await generateKeypair()).signer;
const recipient = (await generateKeypair()).signer;

console.log("Sender Address:", sender.address);
console.log("Recipient Address:", recipient.address);

// Demo Setup: Create client, mint account, token accounts, and fund with initial tokens
const { client, mint } = await demoSetup(sender, recipient);

console.log("\nMint Address:", mint.address);

// =============================================================================
// Basic Token Payment Demo
// =============================================================================

// Create splToken helper for this mint using @solana/client
const splToken = client.splToken({
  mint: mint.address,
  tokenProgram: "auto"
});

// Transfer tokens from sender to recipient (ATA and decimals handled automatically)
const signature = await splToken.sendTransfer({
  amount: 0.25,
  authority: sender,
  destinationOwner: recipient.address
});

console.log("\n=== Token Payment Complete ===");
console.log("Transaction Signature:", signature.toString());

// Fetch final token account balances using splToken helper
const senderBalance = await splToken.fetchBalance(sender.address);
const recipientBalance = await splToken.fetchBalance(recipient.address);
console.log("\nSender Token Account Balance:", senderBalance);
console.log("Recipient Token Account Balance:", recipientBalance);

// =============================================================================
// Demo Setup Helper Function
// =============================================================================

Console

Click to execute the code.

Demo



// Generate keypairs for sender and recipient
const sender = (await generateKeypair()).signer;
const recipient = (await generateKeypair()).signer;

console.log("Sender Address:", sender.address);
console.log("Recipient Address:", recipient.address);

// Demo Setup: Create client, mint account, token accounts, and fund with initial tokens
const { client, mint } = await demoSetup(sender, recipient);

console.log("\nMint Address:", mint.address);

// =============================================================================
// Basic Token Payment Demo
// =============================================================================

// Create splToken helper for this mint using @solana/client
const splToken = client.splToken({
  mint: mint.address,
  tokenProgram: "auto"
});

// Transfer tokens from sender to recipient (ATA and decimals handled automatically)
const signature = await splToken.sendTransfer({
  amount: 0.25,
  authority: sender,
  destinationOwner: recipient.address
});

console.log("\n=== Token Payment Complete ===");
console.log("Transaction Signature:", signature.toString());

// Fetch final token account balances using splToken helper
const senderBalance = await splToken.fetchBalance(sender.address);
const recipientBalance = await splToken.fetchBalance(recipient.address);
console.log("\nSender Token Account Balance:", senderBalance);
console.log("Recipient Token Account Balance:", recipientBalance);

// =============================================================================
// Demo Setup Helper Function
// =============================================================================

Console

Click to execute the code.

Basic Payment

How It Works

Create the Token Helper

Send the Payment

Verify Balances

Create the Token Helper

Send the Payment

Verify Balances

Demo

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