Spawned Stripe Setup Guide: Accept Credit Card Payments for Your Token
This guide details how to integrate Stripe with your Spawned token launch to accept fiat payments directly. Adding a fiat on-ramp can expand your potential buyer base beyond crypto-native users. The process involves connecting your Stripe account and configuring the payment flow within your Spawned project dashboard.
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The Problem
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The Solution
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Should You Add Stripe to Your Token Launch?
Opening your sale to credit cards isn't just convenient—it's a growth tactic.
Integrating Stripe is a strategic decision for token creators targeting a mainstream audience. While not required, it removes a major barrier to entry: the need for buyers to already own cryptocurrency. For a gaming token or community project seeking broad adoption, this can be decisive. The setup adds about 15-20 minutes of work but opens your sale to anyone with a credit card. Consider your target audience: if you expect many first-time crypto buyers, Stripe is strongly recommended. The cost involves Stripe's standard card processing fees (around 2.9% + $0.30) on top of Spawned's 0.30% creator fee, but the trade-off for wider reach is often worthwhile. For a niche, crypto-native audience, you might skip it to keep fees lower.
- For: Gaming tokens, community projects, brands seeking mainstream users.
- Against: Highly technical tokens, airdrops to existing holders, ultra-low-fee mandates.
- Cost-Benefit: Pay ~3.2% in total fees to access the 100% of people with credit cards.
What You Need Before You Start
Gather these items before beginning the integration process. Having everything ready will make the setup smooth and prevent delays.
- A Live Spawned Token Project: Your token must be in the launch phase or live on Spawned. You cannot set this up for a purely conceptual project. Visit your project dashboard.
- A Verified Stripe Account: A standard Stripe account in good standing, capable of accepting payments in your region. Ensure your bank details are added for payouts.
- SOL for Gas: You'll need a small amount of SOL in your connected wallet (the one managing the Spawned project) to approve the connection transaction. About 0.01 SOL is sufficient.
- Legal Compliance Info: Be prepared to confirm your token sale complies with Stripe's acceptable use policies and relevant financial regulations in your jurisdiction.
Step-by-Step: Connect Stripe to Spawned
The technical handshake between Spawned and Stripe takes less than five minutes.
Follow these exact steps within your Spawned project dashboard to enable fiat payments.
- Navigate to the 'Monetization' Tab: In your Spawned project dashboard, find and click the 'Monetization' or 'Payments' section.
- Select 'Fiat On-Ramp': Click the option to set up a fiat payment gateway. You'll see Stripe listed as the primary provider.
- Initiate Stripe Connection: Click 'Connect with Stripe.' This will open a secure OAuth pop-up window from Stripe's official domain.
- Log In & Authorize: Log into your Stripe account (if not already) and grant Spawned the necessary permissions. This allows Spawned to create checkouts and receive payment confirmations on your behalf.
- Configure Payment Rules: Once connected, return to Spawned. Set your minimum and maximum purchase amounts in fiat (e.g., $20 min, $5000 max). Select which fiat currencies to accept (USD, EUR, GBP).
- Review & Activate: Double-check the settings. The system will show a preview of the checkout flow. Click 'Activate Fiat Payments.' Your wallet will prompt you to sign a transaction (costing a tiny bit of SOL) to finalize the setup.
- Test the Flow: Use the 'Test Mode' toggle in your Stripe dashboard to make a fake purchase and ensure SOL is correctly credited to your project's liquidity pool.
Fee Structure: With vs. Without Stripe
Understanding the fee impact is crucial for pricing your token. Here’s how costs differ.
Payment Method: Crypto (SOL) Directly
- Spawned Creator Fee: 0.30% of the trade value.
- Holder Reward Fee: 0.30% of the trade value (distributed to token holders).
- Network Gas Fee: ~$0.001 - $0.01 (Solana transaction).
- Total Approximate Cost: ~0.60% + gas.
Payment Method: Credit Card via Stripe
- Stripe Processing Fee: ~2.9% + $0.30 per transaction.
- Spawned Creator Fee: 0.30% of the trade value.
- Holder Reward Fee: 0.30% of the trade value.
- Network Gas Fee: Included in processing.
- Total Approximate Cost: ~3.5% + $0.30.
Key Takeaway: The Stripe option costs about 2.9% more. This is the price for accessing non-crypto users. For a $100 purchase, the creator receives ~$96.50 worth of SOL after all fees with Stripe, versus ~$99.40 with direct crypto. The decision hinges on whether the expanded audience is worth that ~2.9% premium.
What Happens After Setup: The Buyer Journey
The complexity is hidden. Buyers see a simple checkout; you see increased liquidity.
Once live, the buyer experience is streamlined. A visitor to your Spawned-powered token website will see two purchase options: 'Pay with Crypto' (using a wallet like Phantom) and 'Pay with Card.' Selecting 'Pay with Card' triggers the Stripe-hosted checkout. The buyer enters their card details and billing info. Stripe handles the conversion from fiat to SOL at real-time rates, purchases the SOL, and sends it directly to your token's liquidity pool on Spawned. The buyer then receives their tokens in their connected wallet. From your perspective, you simply see SOL added to your pool's liquidity. Payouts from Stripe (for their fee) are handled automatically on their standard schedule, usually 2-7 days depending on your account history. All transaction records are available in both your Spawned dashboard and your Stripe dashboard for reconciliation.
Troubleshooting: Common Setup Hurdles
If you encounter problems, these are the most likely causes and fixes.
- 'Stripe Connection Failed': Ensure you are logging into the correct Stripe account (business vs. personal). Clear your browser cache or try in an incognito window. Ensure pop-ups are allowed for Stripe.com.
- Currency Not Supported: Spawned's integration typically supports USD, EUR, and GBP. If you need another currency, you must contact Stripe support to enable it for your account first, then reconnect.
- Test Transaction Fails: In Stripe Dashboard, ensure you are using test mode and the test card number
4242 4242 4242 4242with any future expiry and CVC. - SOL Not Appearing in Pool: There is a short processing delay (2-5 minutes). Check your Spawned project's liquidity chart. If nothing appears after 10 minutes, verify the transaction hash on a Solana explorer via your Stripe dashboard logs.
- High-Risk Block by Stripe: Stripe may block transactions they deem high-risk. This is often related to your business description or token type. Be prepared to provide additional documentation to Stripe about your project.
Ready to Launch with Fiat?
Turn website visitors into token holders, regardless of their crypto experience.
Adding a fiat on-ramp can be the feature that makes your token launch stand out. If your goal is mass adoption for a game, creator coin, or community, accepting credit cards is a proven method to lower the entry barrier.
Your next step is simple: Log into your Spawned dashboard and navigate to your active token project. If you haven't created a token yet, our platform makes it straightforward. Learn how to launch a gaming token on Solana to get started from scratch, including using our AI website builder to create a professional landing page at no extra monthly cost.
Start the Stripe integration today and open your sale to a global audience.
Related Topics
Frequently Asked Questions
Support depends primarily on your specific Stripe account's capabilities. Typically, the integration works in all countries where Stripe is available. The most commonly supported fiat currencies are US Dollars (USD), Euros (EUR), and British Pounds (GBP). You must configure your Stripe account to accept your desired currencies before they will appear as options in the Spawned dashboard.
The process has two parts. First, the buyer receives their tokens near-instantly (within 1-2 minutes) once Stripe confirms the payment. Second, the fiat settlement to your connected bank account follows Stripe's standard payout schedule, which is typically 2-7 business days after the transaction, depending on your account's history and location. The SOL purchased is added to your token's liquidity pool immediately.
Yes, absolutely. Spawned's Stripe integration relies on your own Stripe account. As long as you can create a verified Stripe account in your country of residence, you can connect it to Spawned. You will be subject to the fee structure and payout timelines for your region as defined by Stripe's policies.
Yes, you must comply with both Stripe's and Spawned's terms. Stripe prohibits certain businesses, and this can extend to token types they consider high-risk, such as those related to gambling, adult content, or financial instruments without proper licensing. It is your responsibility to ensure your token project aligns with these terms. Spawned reserves the right to disable the integration for projects that violate its policies.
The Stripe integration is a feature of your launch phase on Spawned. When your token meets the graduation criteria (e.g., liquidity threshold) and migrates to a full decentralized exchange, the direct Stripe checkout via your Spawned page will typically cease. However, you own the Stripe connection and can explore other third-party fiat gateways or maintain a separate website with Stripe to continue accepting fiat, directing buyers to the DEX for the actual swap.
Yes. In your Spawned project dashboard, you can configure separate minimum and maximum purchase amounts for the fiat (Stripe) payment channel. For example, you might set a $50 minimum for card purchases to offset processing fees, while allowing a 0.1 SOL minimum for direct crypto purchases. These limits are managed independently within the payment configuration section.
As the token creator and Stripe account holder, you are ultimately responsible for handling customer disputes, refunds, and chargebacks initiated through Stripe. Stripe's standard dispute resolution process applies. It is critical to have clear terms of sale on your token website. Spawned facilitates the payment and token delivery but does not mediate fiat payment disputes between you and the buyer.
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