Cross-Chain Payments

Overview

Cross-chain payments allow your customers to pay from any supported blockchain, not just Stellar. Ebioro handles the conversion automatically — funds arrive in your account as USDC on Stellar regardless of which chain the customer pays from.

Cross-chain payments are only available in the production environment. The sandbox does not support cross-chain deposits.

Supported Chains

Chain	Tokens
Ethereum	USDC, USDT
Base	USDC
Arbitrum	USDC
Solana	USDC, USDT
Tron	USDT
BNB Chain	USDT, USDC
Optimism	USDC, USDT
NEAR	USDC

Available routes and tokens are dynamic based on liquidity. Use the routes endpoint to get the current list.

How It Works

Integration Flow

Step 1: Create a payment

Create a payment as usual via POST /payments. This gives you a checkout_id.

Step 2: Get available routes

GET /payments/{checkout_id}/cross-chain/routes
Authorization: Bearer {token}

Returns the chains and tokens the customer can pay with, filtered by current liquidity.

Step 3: Request a quote

Once the customer selects a chain/token:

POST /payments/{checkout_id}/cross-chain/quote
Authorization: Bearer {token}

{
  "originChain": "sol",
  "originToken": "USDC",
  "refundAddress": "customer_solana_address"
}

The response includes:

depositAddress — the address on the origin chain where the customer sends funds
amountIn — the exact amount the customer needs to send
deadline — when the quote expires
timeEstimateSeconds — expected completion time in seconds

Step 4: Customer deposits

The customer sends the specified amount to the depositAddress on the origin chain.

Step 5: Payment completes

Once the deposit is detected on the origin chain, the payment status moves to paid and you receive a webhook. The conversion and settlement happen automatically in the background.

Step 6: Poll status (optional)

You can poll the swap status for real-time updates:

GET /payments/{checkout_id}/cross-chain/status
Authorization: Bearer {token}

Returns: pending_deposit, processing, completed, failed, or refunded.

Authentication

Cross-chain endpoints support both:

Digest Auth (headers) — for server-to-server API integration
Bearer Token (Authorization header) — for frontend/widget usage

Error Handling

If the cross-chain swap fails or times out, Ebioro handles the refund to the collection address internally. The merchant does not need to take action. If the quote expires before the customer deposits, you can request a new quote — the payment stays open.

Getting Started

Core Concepts

Guides

Overview

Supported Chains

How It Works

Integration Flow

Step 1: Create a payment

Step 2: Get available routes

Step 3: Request a quote

Step 4: Customer deposits

Step 5: Payment completes

Step 6: Poll status (optional)

Authentication

Error Handling

​Overview

​Supported Chains

​How It Works

​Integration Flow

​Step 1: Create a payment

​Step 2: Get available routes

​Step 3: Request a quote

​Step 4: Customer deposits

​Step 5: Payment completes

​Step 6: Poll status (optional)

​Authentication

​Error Handling

Overview

Supported Chains

How It Works

Integration Flow

Step 1: Create a payment

Step 2: Get available routes

Step 3: Request a quote

Step 4: Customer deposits

Step 5: Payment completes

Step 6: Poll status (optional)

Authentication

Error Handling