Spawned Stripe Tutorial: Accept Credit Cards for Your Token
This guide walks you through integrating Stripe to accept direct credit card and bank transfer payments for your Solana token launched on Spawned. Combining on-chain SOL purchases with off-ramp fiat options can significantly expand your buyer base. We cover account setup, webhook configuration, and handling mixed payment flows.
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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 Add Stripe to Your Spawned Token?
The verdict is clear: for maximum reach, offer both crypto and fiat.
Integrating Stripe with your token project solves a critical barrier: requiring buyers to already own cryptocurrency. While Spawned handles the Solana launch and on-chain trades, adding Stripe opens your token to traditional finance users.
The direct benefit is a broader audience. A project that only accepts SOL limits itself to the existing crypto user base. With Stripe, anyone with a credit card can participate, which can be crucial for community-driven tokens targeting specific niches (like gaming communities) where crypto adoption is still growing. The 0.30% creator fee from on-chain trades on Spawned continues to apply, while Stripe's standard processing fees (e.g., 2.9% + $0.30 per card transaction) are added for fiat purchases. This setup is ideal after your initial launch, as shown in our post-launch growth guide.
Step 1: Prerequisites & Account Setup
Before connecting, ensure you have the following ready. This process takes about 15 minutes.
- A Live Token on Spawned: Your token must be launched and active on the Spawned platform. The integration works with tokens that have graduated from the initial launch phase.
- A Stripe Account: Create a standard Stripe account at stripe.com. Use your project's legal business name if applicable.
- Spawned Dashboard Access: Log into your Spawned creator dashboard where you manage your token.
Step 2: Connect Stripe in the Spawned Dashboard
The connection is handled through secure, official channels.
Spawned provides a direct OAuth connection to Stripe for security.
- In your Spawned dashboard, navigate to your token's management page.
- Find the 'Payments' or 'Monetization' tab.
- Click 'Connect Stripe'. You will be redirected to Stripe's official authorization page.
- Log into your Stripe account and grant Spawned the necessary permissions. These typically include the ability to create charges and receive webhook events.
- Once authorized, you'll be redirected back to Spawned. A confirmation message will appear, and your Stripe account email will be displayed in the dashboard.
Your connection is now live in 'Test Mode'. All fiat payments will use Stripe's test card numbers until you explicitly switch to live mode.
Step 3: Critical Webhook Configuration
This step automates the entire fulfillment process.
Webhooks are the communication bridge between Stripe and Spawned. When a buyer completes a credit card purchase, Stripe sends an event to Spawned's server, which then triggers the minting or transfer of tokens to the buyer's provided wallet address.
Spawned provides a unique Webhook Endpoint URL in your dashboard after connecting Stripe. You must add this URL to your Stripe account.
- Go to your Stripe Dashboard > Developers > Webhooks.
- Click 'Add endpoint'.
- Paste the Webhook Endpoint URL from Spawned.
- Select the following events to listen for:
checkout.session.completed,payment_intent.succeeded, andcharge.refunded. - Click 'Add endpoint'.
Stripe will provide a Signing Secret. Copy this and paste it into the corresponding field in your Spawned dashboard. This secret verifies that webhook events are genuinely from Stripe. Without proper webhook setup, token distribution will fail.
Step 4: Test the Complete Payment Flow
Never go live without testing. Stripe's test mode uses special card numbers that don't move real money.
Test Buyer Journey:
- Initiate Purchase: A user clicks 'Buy Tokens' on your project's site (built with Spawned's AI builder).
- Choose Payment Method: They select 'Credit/Debit Card' (Stripe) instead of 'Pay with SOL'.
- Enter Details: They enter a test card (e.g.,
4242 4242 4242 4242), any future expiry, any CVC, and any ZIP). - Provide Wallet Address: A critical field appears asking for their Solana wallet address (e.g., Phantom, Solflare). This links the fiat payment to the on-chain destination.
- Complete & Verify: After submission, check:
- Your Stripe Dashboard: A successful
payment_intent.succeededevent. - Your Spawned Dashboard: The transaction should show as 'Completed', and tokens should be in the test wallet.
- The buyer's wallet: The correct token amount should appear.
- Your Stripe Dashboard: A successful
Run tests for failed payments and refunds to understand the full lifecycle.
- Use Stripe's test card numbers for successful (
4242...) and failed (4000 0000 0000 0002) payments. - Simulate a refund in Stripe and confirm the event is logged in Spawned.
- Test with multiple token quantities and price points.
Step 5: Go Live and Monitor
Transition carefully and keep a close eye on initial transactions.
After successful testing, switch to live transactions.
- In your Stripe Dashboard, toggle from 'Test Mode' to 'Live Mode'.
- In your Spawned dashboard, confirm the connection is using live keys.
- Update any 'Buy Token' buttons or links on your website to point to the live environment.
- Make a small real purchase yourself to confirm the live pipeline works.
Monitoring & Fees:
- Monitor the 'Balance' section in your Stripe dashboard. Your fiat revenue, minus Stripe's processing fees, will be paid out to your connected bank account on a rolling schedule (e.g., 2-day rolling).
- Remember the fee structure: Spawned's 0.30% creator fee applies to the on-chain token value. Stripe's fee (e.g., 2.9% + $0.30) applies to the fiat amount. These are separate.
- Use Stripe's radar for fraud detection and set up email alerts for high-risk payments.
Stripe vs. Other Fiat On-Ramps
Choosing the right payment mix depends on your target audience.
Stripe is a popular choice, but it's not the only one. Here’s how it compares for a Spawned token project.
| Feature | Stripe Integration | Direct Crypto-Only (SOL) | Other Gateways (e.g., Coinbase Commerce) |
|---|---|---|---|
| Buyer Ease | Very High. Standard checkout. | Low. Requires crypto wallet & funds. | Medium. Often redirects to a crypto gateway. |
| Audience Reach | Largest (all card users). | Small (crypto-native only). | Medium (users willing to buy crypto first). |
| Fees | ~2.9% + $0.30 (card). | Spawned's 0.30% creator fee only. | Varies; often a spread or network fee. |
| Payout | Fiat to your bank account. | SOL to your wallet. | Crypto to your wallet. |
| Setup Complexity | Medium (needs webhooks). | Low (built into Spawned). | Low-Medium (API key integration). |
| Best For | Mainstream adoption, communities new to crypto. | Initial launch, degens, pure DeFi projects. | Projects wanting direct crypto payout from fiat. |
For a gaming token aiming for widespread community ownership, as discussed in our gaming token creation guide, Stripe's ease often outweighs its higher fees.
Ready to Open Your Token to Everyone?
Adding Stripe transforms your token from a crypto-native asset to a globally accessible digital asset. The integration, while involving a few technical steps, is managed through Spawned's dashboard, making it accessible even for creators who aren't full-stack developers.
Next Steps:
- Launch your token on Spawned if you haven't already. The process is straightforward and includes your AI website.
- Follow this tutorial to connect Stripe and configure webhooks.
- Test thoroughly before announcing fiat payments to your community.
By combining Spawned's efficient Solana launchpad (with its 0.30% ongoing creator revenue) and holder rewards with Stripe's vast payment network, you build a sustainable economic model for your project. Start by creating your token on Spawned.
Related Topics
Frequently Asked Questions
The buyer pays the token price you set. You, as the creator, pay two separate fees: Stripe's processing fee (e.g., 2.9% + $0.30 for cards) on the fiat amount, and Spawned's standard 0.30% creator fee on the value of the token trade that occurs on-chain when tokens are sent to the buyer. These are deducted from your respective earnings streams.
Typically, the Stripe integration is designed for post-launch, continuous sales. The initial bonding curve launch on Spawned is a pure on-chain, SOL-only mechanism for price discovery and fair launch. Once your token is live and has graduated, you can immediately enable Stripe for ongoing purchases to complement the decentralized exchange trading.
The Stripe Checkout session created by Spawned includes a custom field labeled 'Solana Wallet Address'. The buyer must paste their valid, public Solana address (e.g., from Phantom or Solflare) into this field. This address is passed via webhook to Spawned, which performs the token transfer. It is critical to educate buyers to double-check this address.
If you issue a refund via your Stripe dashboard, the `charge.refunded` webhook alerts Spawned. The system can log this for your records. For chargebacks (disputes), Stripe handles the process and will debit the disputed amount plus a fee from your Stripe balance. There is no automatic reversal of the sent tokens; you would need to manage any token reclamation manually with the buyer, which highlights the importance of fraud screening.
Yes. Stripe, as a regulated payment processor, requires you (the business) to be compliant with Know Your Customer (KYC) and Anti-Money Laundering (AML) laws applicable in your jurisdiction. Stripe's onboarding will collect information about your business. It is your responsibility to understand and follow these regulations for selling digital assets.
The price is typically set by the market price of the token on the open market (e.g., via the Spawned trading interface). The Stripe flow converts this SOL price to a USD equivalent at the current SOL/USD rate. You generally offer the same token for the same market value, but the buyer pays the equivalent in their chosen currency (SOL or USD).
Yes. This tutorial is specific to Solana tokens launched on Spawned. The webhook and token distribution mechanism is built for the Solana blockchain. If you are launching a token on another network, like Ethereum or Base, the integration logic would differ. Explore our guides for [Ethereum](/use-cases/token/how-to-create-gaming-token-on-ethereum) and [Base](/use-cases/token/how-to-create-gaming-token-on-base) for network-specific strategies.
The Spawned-Stripe integration supports tokens with Token-2022 extensions (like transfer fees). The distribution mechanism will respect any on-chain rules you have configured. Ensure you have fully tested the token transfer of your specific token type in the Stripe test mode to confirm compatibility with any metadata or transfer hook logic.
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