Spawned Stripe Tutorial Guide 3: Full Payment Integration
This guide details the third phase of integrating Stripe payments into your Solana token project on Spawned. We cover connecting your Stripe account, configuring webhooks for transaction confirmation, and enabling direct token purchases using credit cards. This process bridges Web2 payments with your Web3 token economy.
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The Problem
Traditional solutions are complex, time-consuming, and often require technical expertise.
The Solution
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What This Integration Guide Covers
Finalizing the bridge between fiat payments and your Solana token.
Welcome to the third and final guide in our Stripe integration series. If you've followed Guide 1 and Guide 2, your token's smart contract and backend are ready. This guide focuses on the operational layer: connecting the payment gateway, automating fund settlement, and creating a user-facing purchase flow. This integration allows you to capture revenue from users who don't own cryptocurrency, directly increasing your token's liquidity and holder base. We'll use specific endpoints and dashboard settings from both Spawned and Stripe.
Prerequisites Checklist
Before starting, ensure you have the following ready. Missing any item will block the integration.
- A live Solana token launched on Spawned (not a test token).
- A Stripe account in 'Live' mode (not 'Test' mode).
- Your Stripe account's 'Publishable key' and 'Secret key' from the API keys section.
- Admin access to your Spawned project dashboard.
- A server or VPS with a public URL for Stripe webhooks (e.g., a DigitalOcean droplet, AWS EC2).
- The backend service from Guide 2 deployed and running on that server.
Step-by-Step: Connect Stripe to Spawned
Follow these steps in order. Each step builds on the previous one.
Fee Structure: Stripe vs. Direct Crypto Purchase
Breaking down the cost of convenience for your buyers.
Understanding the costs is critical for pricing your tokens. Here’s how fees stack up for a $100 token purchase.
| Fee Layer | Stripe Purchase | Direct SOL Purchase on Spawned |
|---|---|---|
| Payment Processing | Stripe: 2.9% + $0.30 ($3.20) | On-chain SOL Transfer: ~$0.001 |
| Spawned Creator Fee | 0.30% on token trade ($0.30) | 0.30% on token trade ($0.30) |
| Network Gas Fee | Included in processing | Solana Fee: ~$0.0005 |
| Total Approx. Cost | ~$3.50 | ~$0.30 |
| User Experience | Credit/Debit Card, familiar | Requires crypto wallet & SOL |
Key Takeaway: The Stripe option costs the user about $3.20 more per $100 purchase, but it removes the massive barrier of acquiring cryptocurrency. For many mainstream users, this convenience fee is acceptable. As the creator, you still earn your 0.30% fee on the resulting token trade.
Verdict: Is Stripe Integration Worth It?
Yes, for most projects aiming for mainstream adoption.
If your goal is to attract users from Web2 platforms, social media, or a non-crypto native audience, this integration is essential. The 3% effective cost to the user is often lower than the time, complexity, and exchange fees they would face buying SOL first.
Integrate Stripe if: Your token is for a gaming community, a creator's fan club, or a physical product loyalty program. These groups are less likely to have crypto wallets ready. The integration pays for itself by expanding your total addressable market.
Consider skipping it if: Your token is purely for DeFi degens or a highly technical NFT community. These users already have SOL and prefer the pure on-chain method. For a broader approach, see our guide on how to launch a gaming token on Solana which covers multi-channel strategies.
Common Issues & Troubleshooting
Quick fixes for the most frequent integration hurdles.
Problem: Webhooks are not reaching my server.
- Solution 1: Ensure your server's firewall allows inbound traffic on port 443 (HTTPS). Stripe only sends to HTTPS endpoints.
- Solution 2: Check your server logs for the initial POST request. Use the Stripe CLI for local testing:
stripe listen --forward-to localhost:4242/spawned-webhook.
Problem: Payment succeeds but buyer gets no tokens.
- Solution: This is almost always a webhook verification failure. Double-check that the
STRIPE_WEBHOOK_SECRETin your backend environment matches the one from the Stripe dashboard exactly. Your backend must use this secret to construct the event signature.
Problem: 'Invalid API Key' error in Spawned dashboard.
- Solution: You are likely using a 'Test' mode key from Stripe. For a live token, you must use 'Live' mode keys. Generate them in the Stripe dashboard under 'Live' API keys.
Ready to Accept Credit Cards for Your Token?
This integration transforms your token from a crypto-native asset into a globally accessible digital product. By lowering the entry barrier, you open up funding and community growth from entirely new audiences.
Next Actions:
- If you haven't launched your token yet, start at the beginning: Create your Solana token on Spawned—it includes the AI website builder at no extra monthly cost.
- If your token is live, log into your Spawned dashboard now and navigate to the 'Payment Gateways' section to begin the connection process.
- For more complex use cases, like integrating with a custom game store, review our guide on how to create a gaming token on Solana for architectural ideas.
Launch fee: 0.1 SOL. Start accepting fiat payments today.
Related Topics
Frequently Asked Questions
No. This Stripe integration is a native feature of the Spawned platform and requires the token's liquidity pool and transaction hooks to be managed through Spawned. The system relies on Spawned's specific smart contract extensions and dashboard to coordinate payments, webhooks, and token distribution. Tokens launched elsewhere would need custom, full-stack development.
It supports all countries and currencies that your Stripe account is configured to accept. Typically, this includes most major countries and currencies like USD, EUR, and GBP. You manage geographic restrictions and currency conversion directly within your Stripe dashboard. Spawned passes the payment request to Stripe, which handles localization and compliance.
Token delivery is near-instant but operates on a confirm-and-settle model. When a payment succeeds, Stripe sends a webhook to your backend. Your backend then instructs Spawned to execute the trade. The entire process—from card charge to tokens appearing in the buyer's wallet—typically completes within 15-60 seconds, depending on blockchain congestion and webhook delivery speed.
The SOL is not sent directly to you. Here's the flow: 1) User pays $100 via Stripe. 2) Stripe settles ~$96.80 to your connected bank account after its fees (timing depends on your Stripe payout schedule). 3) Simultaneously, Spawned's system uses its own SOL liquidity to buy $100 worth of your token from the open market and sends it to the buyer. This buy pressure increases the token's price and liquidity pool, benefiting all holders, including you.
It uses the real-time market price. The integration is designed for simplicity and compliance. You specify a USD amount (e.g., $25) for the user to spend. Spawned's system immediately uses that USD value (converted to SOL) to execute a market buy of your token. The buyer receives the exact amount of tokens that $25 purchases at that precise moment. This avoids you acting as a price-setting exchange.
Stripe, as a regulated payment processor, handles KYC/AML compliance on the fiat payment side. As the token creator, you are not required to perform KYC on buyers through Spawned for this integration. However, you are responsible for ensuring your overall token project complies with applicable laws in the jurisdictions you operate. Consult legal counsel for specific advice.
If Stripe rejects a payment (e.g., card declined), the checkout fails and no tokens are minted or transferred. If a chargeback occurs after a successful transaction, it is handled between Stripe, the cardholder, and you (the Stripe account holder). The on-chain token transfer is irreversible. You would need to resolve the financial dispute via Stripe's process, which may involve refunding the fiat amount. This is a standard risk of accepting card payments.
Yes, to a degree. The checkout session is created by Spawned using Stripe's Checkout product. You can configure basic branding (like colors and a logo) within your Stripe dashboard settings, which will apply to all your Stripe Checkouts. For fully custom payment flows, you would need to use Stripe's Elements API and build the entire frontend and backend integration yourself, which is significantly more complex.
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