> ## Documentation Index
> Fetch the complete documentation index at: https://developers.ebioro.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Welcome to Ebioro

> Accept blockchain payments from any chain, settle in USDC

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](/api-reference/overview). Once you're familiar with the capabilities, integrate and start accepting payments.

<Note>
  Running **WooCommerce** or **Odoo**? Skip the API and install our official plugin instead — see [E-commerce Plugins](/guides/ecommerce-plugins).
</Note>

## Product Overview

| Product                  | Description                                                                                                                                          | When to Use                                                                                 |
| ------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| **Payments**             | Create 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 Payments** | Accept 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. |
| **Refunds**              | Issue 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.           |
| **Webhooks**             | Receive 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.                |

## 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.

## Get Started

<CardGroup cols={2}>
  <Card title="Quickstart" icon="rocket" href="/quickstart" color="#FD5D44">
    Create your first payment in minutes with step-by-step instructions.
  </Card>

  <Card title="API Reference" icon="code" href="/api-reference/overview" color="#0092DF">
    Explore all available endpoints with an interactive playground.
  </Card>

  <Card title="Authentication" icon="key" href="/authentication">
    Learn how to sign requests with HMAC digest authentication.
  </Card>

  <Card title="Code Examples" icon="terminal" href="/code-examples">
    Ready-to-use examples in JavaScript, Python, and cURL.
  </Card>
</CardGroup>

## Environments

| Environment    | Base URL                           | Network         |
| -------------- | ---------------------------------- | --------------- |
| **Sandbox**    | `https://test-merchant.ebioro.com` | Stellar Testnet |
| **Production** | `https://merchant-api.ebioro.com`  | Stellar Mainnet |

<Note>
  Use the sandbox environment for development and testing. Sandbox transactions use Stellar testnet and no real funds are moved.
</Note>