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Ebioro offers a merchant payment solution that bridges stablecoins and traditional commerce with one powerful API. Accept payments from any blockchain, settle in USDC on Stellar, and manage the full payment lifecycle — from checkout to refund. We provide all the tools you need to get up and running within minutes. For a full list of endpoints, see the API Reference. Once you’re familiar with the capabilities, integrate and start accepting payments.

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Product Overview

ProductDescriptionWhen to Use
PaymentsCreate payment orders and accept USDC on Stellar. Customers pay via a hosted checkout widget or by scanning a SEP-7 QR code with any Stellar wallet.Use for standard e-commerce checkout, invoices, or any one-time payment.
Cross-Chain PaymentsAccept payments from Ethereum, Solana, Base, Arbitrum, NEAR, Tron, and more. Funds are automatically swapped and settled as USDC on Stellar.Use when your customers hold assets on chains other than Stellar.
Escrow (coming soon)Hold funds in a Soroban smart contract and release them based on configurable policies — time-based, manual approval, or programmatic triggers.Use for marketplaces, remittances, or any transaction that requires a trusted intermediary.
RefundsIssue full or partial refunds back to the customer’s Stellar wallet.Use when a customer requests a return or when a transaction needs to be reversed.
WebhooksReceive real-time HTTP notifications when payments are created, settled, canceled, or refunded.Use to keep your backend in sync with payment state changes without polling.

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Ebioro Merchant API

The Ebioro Merchant API is a REST API that uses JSON for all requests and responses. Developers can integrate using any programming language that supports HTTP. Our API allows you to:
  • Create and manage payments with configurable amounts, currencies, and metadata
  • Accept cross-chain deposits from multiple blockchains with automatic USDC conversion
  • Hold funds in escrow with smart contract-based release policies
  • Issue refunds for full or partial amounts
  • Track everything with real-time webhooks and a complete event history per payment
All requests are authenticated using HMAC digest signatures, ensuring secure communication between your server and the Ebioro platform.

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Get Started

Quickstart

Create your first payment in minutes with step-by-step instructions.

API Reference

Explore all available endpoints with an interactive playground.

Authentication

Learn how to sign requests with HMAC digest authentication.

Code Examples

Ready-to-use examples in JavaScript, Python, and cURL.

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Environments

EnvironmentBase URLNetwork
Sandboxhttps://test-merchant.ebioro.comStellar Testnet
Productionhttps://merchant.ebioro.comStellar Mainnet
Use the sandbox environment for development and testing. Sandbox transactions use Stellar testnet and no real funds are moved.