Spawned Stripe Configuration Guide: Complete Integration for Token Projects
This guide provides detailed instructions for connecting Stripe to your Spawned token project. Proper configuration enables secure fiat-to-crypto purchases for your community. Setting up webhooks and API keys correctly is essential for transaction tracking and revenue collection.
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The Problem
Traditional solutions are complex, time-consuming, and often require technical expertise.
The Solution
Spawned provides an AI-powered platform that makes building fast, simple, and accessible to everyone.
Why Stripe Integration Matters for Token Projects
Stripe integration transforms token accessibility
For Solana token creators, integrating Stripe through Spawned provides a reliable fiat on-ramp that can increase token distribution by 40-60% compared to crypto-only launches. The 0.30% creator revenue on all trades, combined with Stripe's 2.9% + $0.30 transaction fee, creates a sustainable model where creators earn ongoing revenue while providing easy purchase options for non-crypto users.
Stripe's fraud protection reduces chargeback risks by approximately 85% compared to manual payment collection methods. This integration is particularly valuable for gaming tokens where players may prefer credit card purchases over cryptocurrency transactions. Learn about gaming token launches for more context on audience needs.
Prerequisites Before Starting Configuration
Before beginning the Stripe configuration process, ensure you have these elements ready:
- An active Stripe account (business or individual)
- Your Spawned project dashboard access and admin privileges
- Bank account information for payout destination
- Legal business name and address for Stripe verification
- Clear understanding of your token's value proposition and pricing structure
Step-by-Step Stripe Configuration Process
Precise setup prevents payment processing issues
Follow these exact steps to connect Stripe with your Spawned token project:
Step 1: Generate Restricted API Keys
Log into your Stripe Dashboard, navigate to Developers → API Keys, and create new restricted keys. Grant only these permissions: charges:read, charges:write, payment_intents:read, payment_intents:write, and webhook_endpoints:write. Never use full-access secret keys.
Step 2: Configure Webhook Endpoints
In Stripe Dashboard, go to Developers → Webhooks. Add a new endpoint with this URL pattern: https://your-spawned-project.spawned.com/api/stripe/webhook. Select these events to listen for: charge.succeeded, charge.failed, payment_intent.succeeded, and payment_intent.payment_failed.
Step 3: Create Product Listings In Stripe Products section, create separate products for each token package tier. For example: "Starter Pack - 1000 Tokens," "Supporter Pack - 5000 Tokens," etc. Include clear descriptions mentioning token allocation and delivery method.
Step 4: Connect to Spawned Dashboard In your Spawned project dashboard, navigate to Payments → Stripe Integration. Paste your Publishable Key and Secret Key from Step 1. Enter the Webhook Signing Secret from your webhook configuration.
Step 5: Test Transactions
Use Stripe's test mode with card number 4242 4242 4242 4242 to complete a full purchase flow. Verify tokens appear in the test wallet and webhook events are logged correctly.
Fee Structure: Stripe vs. Alternative Payment Methods
Balance accessibility with sustainable revenue
Understanding the complete fee breakdown helps you price your token packages appropriately:
| Payment Method | Transaction Fee | Spawned Creator Fee | Net Revenue Per $100 |
|---|---|---|---|
| Stripe (Credit Card) | 2.9% + $0.30 | 0.30% | $96.45 |
| Crypto Direct (SOL) | ~0.000005 SOL | 0.30% | $99.40 |
| Manual Bank Transfer | 0% | 0.30% | $99.40 |
| PayPal Integration | 3.49% + $0.49 | 0.30% | $95.96 |
Key Insight: While Stripe has higher fees than direct crypto payments, it typically increases total sales volume by 40-60% by reaching non-crypto users. The 0.30% creator revenue applies regardless of payment method, creating ongoing income from all secondary market trades on your token.
For Ethereum-based projects considering multi-chain options, see our Ethereum token guide for platform-specific payment considerations.
Troubleshooting Common Configuration Problems
Solve these issues before launch
Webhook Failures (Most Common)
If webhook events aren't reaching Spawned: 1) Verify the endpoint URL is exactly correct, 2) Check that your server allows incoming POST requests on standard ports, 3) Ensure you've selected the correct events in Stripe Dashboard, 4) Test with Stripe CLI using stripe listen --forward-to your-endpoint.
API Key Permission Errors When seeing "Insufficient permissions" errors: 1) Regenerate API keys with exact permissions listed in Step 1, 2) Wait 5 minutes for key propagation, 3) Clear Spawned dashboard cache and re-enter keys, 4) Test with Stripe's test mode before switching to live.
Payout Delays Stripe typically processes payouts in 2-7 business days. If delayed beyond 10 days: 1) Verify bank account information is correct, 2) Complete Stripe's identity verification if prompted, 3) Check for reserve requirements on new accounts (often 30% for first 90 days), 4) Contact Stripe support with transaction IDs.
Token Delivery Failures If payment succeeds but tokens aren't delivered: 1) Check Spawned transaction logs for the purchase attempt, 2) Verify token mint address is correctly configured, 3) Ensure wallet address collection is working in your purchase flow, 4) Test with a known-good wallet address.
Security Best Practices for Payment Integration
Protect your revenue and user data with these security measures:
- Never commit API keys to public repositories—use environment variables
- Implement rate limiting on your webhook endpoint (Stripe sends many test events)
- Validate webhook signatures using Stripe's signing secret on every request
- Regularly rotate API keys (every 90 days for production systems)
- Set up separate Stripe accounts for development and production environments
- Enable two-factor authentication on both Stripe and Spawned accounts
- Monitor failed payment attempts for fraud patterns (multiple cards from single IP)
Ready to Integrate Payments for Your Token?
Transform token accessibility with professional payments
With Stripe properly configured through Spawned, you can accept credit card payments from anywhere in the world while earning 0.30% creator revenue on all secondary market trades. This combination provides immediate liquidity access and long-term sustainable income.
Start your configuration now: Log into your Spawned dashboard and navigate to the Payments section to begin setup. If you haven't created your token yet, learn how to launch gaming tokens on Solana for complete guidance from token creation through payment integration.
For developers working on Base network projects, our Base token creation guide covers similar payment integration options specific to that ecosystem.
Related Topics
Frequently Asked Questions
Stripe typically initiates payouts 2 business days after a successful charge, with bank processing adding 1-3 additional days. For new accounts under $10,000 in total volume, Stripe may hold 30% of funds for 90 days as a reserve. The 0.30% creator revenue from Spawned accrues separately and is distributed according to your token's vesting schedule.
Yes, you can connect one Stripe account to multiple Spawned projects. Each project requires separate webhook endpoints and product listings in Stripe. The Spawned dashboard manages project-specific connections while your Stripe account consolidates all payments. Creator revenue of 0.30% is tracked per project in your Spawned analytics.
Stripe operates in 46 countries including US, UK, Canada, Australia, and most EU nations. Certain countries have restrictions on cryptocurrency-related transactions. Check Stripe's prohibited businesses list and consult legal advice for your jurisdiction. Spawned's 0.30% creator revenue applies globally where the platform operates.
When you issue a refund through Stripe, the full payment amount returns to the customer's card. The Stripe fee (2.9% + $0.30) is not refunded. Spawned's 0.30% creator revenue from that transaction is reversed if the refund occurs within the same trading period. Token allocation must be manually reversed in your Spawned dashboard.
Yes, but it requires careful migration. First, connect the new Stripe account in test mode and verify functionality. Then schedule a maintenance window to switch to the new account in production. Existing recurring subscriptions will need to be recreated. The 0.30% creator revenue continues uninterrupted during the switch.
Spawned implements webhook retry logic with exponential backoff over 72 hours. If all retries fail, the system flags the transaction for manual review. You'll receive email notifications about failed webhooks. Tokens are only allocated after successful webhook confirmation to prevent delivery without payment.
Stripe imposes rolling limits based on your account history and risk assessment. New accounts typically start with $10,000 monthly volume limits, increasing with successful transaction history. Large token sales exceeding $50,000 should contact Stripe in advance. Spawned's 0.30% creator revenue has no volume limits.
Stripe automatically calculates and collects sales tax/VAT based on customer location and your business settings. These tax amounts are separate from the transaction total and don't affect your 0.30% creator revenue. Consult a tax professional about cryptocurrency sales tax regulations in your jurisdiction.
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