Stellar

Accept native XLM on the Stellar network mainnet and testnet. One account address - each invoice gets a unique reference (muxed address plus Memo ID).

Stellar is account-based. Paste a single Stellar account ID (G...). Each invoice gets a unique reference, shown two equivalent ways: a muxed address (M...) and a Memo ID. Funds land directly in your Stellar account.

Availability. Stellar (XLM) is live on NoHoldPay. If Stellar does not appear in your wallet picker, contact support.

Networks

Network	Chain key	Finality	Min invoice
Stellar	`XLM`	BFT single-slot (1 closed ledger, ~5s)	$1.00
Stellar Testnet	`XLM_TESTNET`	BFT single-slot (~5s)	$0.10

Stellar has no reorgs - a transaction that closes in a ledger is final.

Supported coins

Native XLM only (7 decimals).

Issued assets (USDC, EURC, any token with an issuer) are explicitly not credited - they route to manual reconciliation as STELLAR_ASSET_NOT_SUPPORTED. Most issued-asset sends fail on-chain anyway, because your account holds no trustline for them.

Wallet setup

Paste a classic Stellar account ID - starts with G, 56 characters. The account must already exist on-ledger and be funded above the Stellar minimum balance (currently 1 XLM = two 0.5 XLM base reserves).

Do not paste:

A muxed address (M...) - NoHoldPay generates the per-payment muxed reference for you. Paste the underlying G... account.
A federation address (name*domain.com) - resolve it to the G... account first.
A custodial exchange deposit address. Exchanges route deposits by memo - your customers' payments would funnel into the exchange's deposit logic.
An address already bound to another NoHoldPay account, including a second account of your own. Two accounts watching one address share a single inbound stream, so one payment could be credited against an order in each. The second bind is rejected.

Compatible wallets:

Hodlall - NoHoldPay's multi-coin wallet, so you can hold Stellar alongside your other keys
Lobstr
Freighter
Solar Wallet
Ledger Live

Account preflight

Before saving the wallet, NoHoldPay checks your account on the Stellar network:

Account state	Result
Account does not exist / below the minimum	Blocked (`STELLAR_ACCOUNT_NOT_FUNDED`) - fund it, then retry
Account funded and on-ledger	Saved - a balance snapshot is recorded

If the network is briefly unreachable, the check returns a retryable error (STELLAR_PROVIDER_UNAVAILABLE) rather than wrongly reporting an unfunded account - just try again in a moment.

Open your wallet and copy your Stellar account ID (G...).

Screenshot

Stellar wallet receive screen showing the G-account ID

add image at public/images/guides/stellar-account-id.png

In NoHoldPay, go to Wallets -> Add wallet and pick XLM or XLM_TESTNET.

Paste the account ID and save.

Create a small test payment. Verify the muxed address and Memo ID appear on the checkout.

How customers pay

Every payment gets a unique 63-bit reference, derived deterministically with up to 8 retries to avoid collisions across active invoices. The checkout shows it two equivalent ways - the customer picks whichever their wallet supports:

Muxed address (M...) - one copyable address that carries the reference. The customer pays it with no memo. This is the simplest path and works in muxed-aware wallets (Lobstr, Solar, and others).
Account ID plus Memo ID - the G... account with a numeric Memo ID the customer sets as a MEMO_ID memo. For wallets that do not support muxed addresses.

Both encode the same reference, so either path credits the same invoice. The checkout also renders a SEP-7 QR / deep link (web+stellar:pay?...) that compatible wallets can scan to pre-fill destination, amount, and memo.

The reference is what attributes the payment. A customer who pays the muxed address, or sets the Memo ID, is matched instantly. A customer who strips both is still matched when the exact amount uniquely identifies one open invoice - otherwise the payment lands in manual reconciliation (see below).

How payments match

Tier	Match condition	Result
1	Paid the muxed address, or the account with the right Memo ID	Confirmed
2	No memo, exact amount matches a single open invoice	Confirmed
3	Wrong memo - even with the exact amount	Manual reconciliation (`STELLAR_MEMO_MISMATCH`) - never auto-credited to the wrong invoice
4	No memo, multiple invoices share the amount	Manual reconciliation (`STELLAR_MEMO_MISSING_AMBIGUOUS_CANDIDATES`)

A wrong reference is never quietly credited by amount alone - that protects you and your customers from misattributed payments. NoHoldPay nudges each open invoice's amount by a tiny fraction of an XLM so they stay distinct, which keeps the no-memo tier-2 path unambiguous in normal use.

Not supported

Issued assets (USDC, EURC, any token) - rejected as STELLAR_ASSET_NOT_SUPPORTED.
Account merges into your account - the XLM arrives but is not credited as a payment (STELLAR_ACCOUNT_MERGE_NOT_SUPPORTED). If a merge was meant as a top-up, contact your operator.
Paste-tx-hash claim - Stellar detection is automatic. There is no manual claim. The watcher credits within one poll cycle (~5s).
Custodial exchange deposit addresses.

Testnet (XLM_TESTNET)

Friendbot faucet - funds a testnet account with test XLM. Append ?addr=<G_ADDRESS>.
stellar.expert testnet explorer
Stellar Laboratory - build and submit test transactions.

Common errors

Code	When
`STELLAR_ACCOUNT_NOT_FUNDED`	Account does not exist on-ledger yet - fund it above the 1 XLM minimum, then retry
`STELLAR_ADDRESS_INVALID`	You pasted a muxed `M...` address (or an invalid one) - paste the underlying `G...`
`STELLAR_PROVIDER_UNAVAILABLE`	The Stellar network was briefly unreachable - retry in a moment
`STELLAR_ASSET_NOT_SUPPORTED`	A customer sent an issued asset instead of native XLM
`STELLAR_MEMO_MISMATCH`	A customer paid with the wrong Memo ID - the transfer is held for manual review. Contact support to have it matched or refunded

Topping up with XLM

You can also prepay platform fees with XLM. From Prepaid credit -> Top up credit, pick Stellar. The dashboard gives you a dedicated deposit address to send XLM to. See Prepaid Credit for the full flow. The deposit address is yours alone and stays stable - send to it as often as you like.

Recovery

Your Stellar wallet appears in your Recovery Kit as a courtesy listing: your account ID plus a reminder that you spend it with your own secret key in any Stellar wallet. There is nothing for NoHoldPay to recover - funds land directly in your account on every payment, and the platform never holds a Stellar key. If NoHoldPay is offline, you can still see and spend your XLM from your own wallet or any Stellar explorer.