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Universal Checkout & Payment Links

Let customers pay with anything.

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The Problem

Merchants lose customers due to incompatible payment options:
  • Item priced in ETH on Ethereum
  • Buyer only has MATIC on Polygon
  • Sale is lost unless user bridges and swaps
  • Each extra step causes drop-off

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The Solution

Money Account’s universal checkout lets customers “pay with anything.” Present a payment request, and the backend handles conversion. 
Merchant wants: 100 USDC on Base
Customer has: DAI on Polygon
    ↓
Customer approves payment
    ↓
Money Account swaps DAI → USDC, bridges Polygon → Base
    ↓
Merchant receives 100 USDC on Base
Generate a link or QR code for any invoice: 
https://pay.stableyard.xyz/checkout/pay_abc123
The link is network-agnostic:
  • Any sender’s wallet can open it
  • Pay using their preferred chain/token
  • Money Account handles conversion and routing

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How It Works

  1. Merchant calls /accept-payment with amount and settlement preferences
  2. Gets back a checkout URL and QR code
  3. Customer scans or clicks
  4. Pays with any supported token/chain
  5. Merchant receives their desired token on their desired chain

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Business Impact

MetricImprovement
Cart abandonmentLower — no chain friction
Customer reachWider — any chain ecosystem
Token salesSimpler — accept from anywhere
ConversionHigher — one-click payments

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Like Stripe for Crypto

Universal checkout makes crypto payments feel like card payments — customer chooses method, merchant gets what they want.