StellarPay

800.000+ Shopify Merchants Can Now Accept Stellar Payments via StellarPay

Summary

StellarPay is a project that aims to enable Shopify store, mobile application and website owners to process payments automatically with zero commission . Also, StellarPay never stores your private key and password on database. You have full control of your wallet.

What's New

Shopify support added. 800.000+ Shopify merchants can now accept XLM and Stellar based tokens on their stores.
Dynamic XLM_USD / XLM_USD <-> SPECIFIC_ASSET conversation support added.
Merchants can now update their XLM_ASSET rates manually.
Payment validation limit is increased from 10 minutes to 60 minutes.
Added more detailed sales reports (processed asset rates, view transaction on-chain)
Merchants can now update their merchant informations.
Recover account by mnemonic added into authentication page

Checkout

StellarPay payments are valid for 60 minutes for both Shopify and Custom gateways after the payment request is made. Payments are approved by the StellarPay processing engine within approximately one minute.

With New Update Checkout v2 is Live! Here's What's News

New price engine which is offering real market prices for XLM / Fiat currency conversation (There is no more high volatility protection thanks to your feedbacks)
8 new Fiat currency added (EUR,GBP,JPY,CAD,SGD,HKD,DKK,NZD)
New redesigned Checkout client is now fully embeddable into your Shopify store
Checkout page is now supports to show multiple products and shipping fee
Multi-currency stores are fully compatible right now
SEP - 0007 support added (https://github.com/stellar/stellar-protocol/blob/master/ecosystem/sep-0007.md)

Goal

Integrate StellarPay gateway into most used softwares/services to increase XLM and tokens awareness.

Documentation

Check how to integrate StellarPay into your Shopify store or website.

https://stellarpay.io/documentation/

Source Code

Source code of StellarPay at http://github.com/stellarpay

MisterTicot

Payment validation limit is increased from 10 minutes to 60 minutes. Now customers can send payments from exchanges to merchants due to increased validation time. Also added +5% XLM_USD rate to protect merchants from volatility

Is it really necessary, given that volatility can deliver a premium as well? A 5% fee, it's huge!

stellarpay

MisterTicot

Hey, when I increase checkout validation time to 60 minutes from 5 minutes received emails from some merchants about volatility problem and added +5% percentage to protect them. I will add demo checkout page to test it and can get your new feedback about new conversion rate.

I'm working on big update which is including; new Shopify currencies (EUR,GBP,JPY,CAD,SGD,HKD,DKK,NZD) with more acceptable volatility ratio, multi-currency accepted Shopify stores support added, Checkout client is written from scratch with native VueJS (payment flow bit changed, animations added and now with fully mobile support). The update will be released in few days.

MisterTicot

stellarpay

From a strictly statistical point of view, because volatility can goes equally up or down, its average cost over enough payments should be around 0.

I understand that's not something merchant may accept easily. On the other hand, customers will not accept outrageous fees. Maybe a fee of 1% could be an acceptable compromise between both positions - as over the long term it already means an 1% premium for merchants.

kehaar

One of the reasons for using Stellar is because it lowers the fees taken by others like PayPal, Venmo, etc. I personally won't pay a 5% fee because it eliminates the value proposition of using Stellar in the first place.

stellarpay

With New Update Checkout v2 is Live! Here's What's News

New price engine which is offering real market prices for XLM / Fiat currency conversation (There is no more high volatility protection thanks to your feedbacks)
8 new Fiat currency added (EUR,GBP,JPY,CAD,SGD,HKD,DKK,NZD)
New redesigned Checkout client is now fully embeddable into your Shopify store
Checkout page is now supports to show multiple products and shipping fee
Multi-currency stores are fully compatible right now
SEP - 0007 support added (https://github.com/stellar/stellar-protocol/blob/master/ecosystem/sep-0007.md)

@kehaar We're not taking any fee from customers or merchants. It was a fixed conversion rate to protect merchants from volatility. With new update StellarPay is converting FIAT->XLM with real market prices. It means there is no more +5% fixed conversion rate. Thank you for your feedback.

MisterTicot

Is there a place where I can try the interface?

You may be interested in supporting CosmicLinks as well (similar to SEP-0007), as it'll give you access to more wallets, including hardware wallets (Trezor support being added right now).

JS library, specifications, example

stellarpay

MisterTicot Hey, demo is available at https://checkout.stellarpay.io/demo

Cosmic.link support added too. If everything is okay about it (waiting your feedback), I will add it to live version too. Trezor support would be awesome.

Scopuly

stellarpay Pretty nice interface!

MisterTicot

Your interface looks great!

I like the way you embedded Cosmic.link. If you want, I can provide an alternative style for better integration.

I have a couple of comments about StellarPay interface:

The footer is breaking the layout on my display (1366x768, chromium), you can fix it by removing the -15px margins from the .row class and adding max-width: 100%;.

For SEP7 requests with memo, you need to define the memo type as AFAIK the standard doesn't define a default: &memo_type=MEMO_TEXT.

Beta Trezor support will be released the 28th. Payments are already fully functional.

MisterTicot

@stellarpay

I released a test version for the Cosmic.link widget: https://test.cosmic.link/widget.html. I think it will better fit your interface, isnt't it?

Worth noting, this is possible to host the widget on your own domain by forking the (test) repository at https://github.com/MisterTicot/cosmic-plus-testing.

Example

stellarpay

MisterTicot Thank you. I fixed the layout issue and put your test version into the demo. New test version layout is much better than default one for Checkout.

https://checkout.stellarpay.io/demo

MisterTicot

stellarpay

I just added Trezor support to it.
I still plan to public release all those things the 28th.

MisterTicot

@stellarpay

https://cosmic.link/widget.html is ready to get integrated into your live version, with functional Trezor payments.

stellarpay

MisterTicot
Thank you for Trezor update. I put 2 button for Trezor and Ledger signing methods to keep simplicity. But can't find set signing method on query specification document of Cosmic.link. If possible can you add "method" argument to select specific signing method? So new final URL will be like for trezor

cosmic.link/widget.html?type=payment&network=public&memo=m3r7t1k1n2x&destination=GTHISISDEMOADDRESSDONOTSENDANYTHING&amount=12345.6789&method=trezor

Ledger :

cosmic.link/widget.html?type=payment&network=public&memo=m3r7t1k1n2x&destination=GTHISISDEMOADDRESSDONOTSENDANYTHING&amount=12345.6789&method=ledger

MisterTicot

stellarpay

I confirm that this is not possible at this time - I never thought about doing it this way. Indeed, this is an interesting idea.

I think I need a bit of thinking to find a nice way to integrate it. In any case, I'm planning a major redesign of the interface starting next month so that's the right time to bring new ideas.

Note that by removing the basic Cosmic.link, you loose a number of use cases:

Using Stellar Authenticator & other wallets to use Cosmic.link in the future.
Using private key with Stellar Laboratory.
Using wallet that only accept an XDR as input.
Signing with phone using QRcodes - for example someone using SEP7/keybase on the phone but browsing the shop on desktop computer. This is a rather common situation as computers are more comfortable for browsing but phones are often more secure to store secrets keys.

MisterTicot

stellarpay

Could you elaborate what would be the expected behavior when Ledger/Trezor buttons gets clicked?

MisterTicot

stellarpay

Specifying a default signing method is now possible, as well as passing a custom CSS to the widget. (for details see Cosmic.link changelog in the weekly update)

stellarpay

MisterTicot Actually I need that method query on URL because of the Trezor's pop-up window mechanism. When you choose Ledger option you're still able to use other signing methods too but Trezor makes things bit complex and buggy. Choosing default signing method before reach to Cosmic.link is only thing what I need.

MisterTicot

stellarpay

Ok then I'll give it a try.

istrau2

stellarpay Are you the issuer of the XLB and USDT assets on the DEX? Can users actually withdraw USDT? What is XLB used for?

dzham

MisterTicot

Isn't it possible to talk directly to the hardware without going through their high-level API pop-up?

MisterTicot

dzham

There's probably a way, but probably not an easy one given that using their "high-level" API already feels like reverse-engineering... I chose to do the best I could without spending an unreasonable amount of time on a feature only a few will use.

That's also the reason why I didn't implement Node.js support: I have no clue how it is supposed to be done.