Introduction

Accept stablecoin payments on Solana, Base, SUI, Polygon, Arbitrum, Optimism and more with ease—built for creators, indie hackers, and small businesses.

Merkle Pay is a non-custodial web platform enabling users to quickly set up payment pages for receiving stablecoins like USDT and USDC directly to their own wallets on multiple blockchains.

Leveraging native blockchain payment standards (like Solana Pay and EIP-681), it offers fast transactions, extremely low network fees (on supported chains), and a smooth user experience.

Merkle Pay is fully open-source under the MIT license.

Supported Blockchains & Status

Merkle Pay aims to provide a seamless payment experience across high-throughput, low-fee networks:

• ✅ Solana (Live & Fully Supported)
  • Native SOL
  • USDC
  • USDT
• ⏳ Base (Next Focus - In Progress)
  • EVM integration using EIP-681 is actively being developed.
• ⏳ Polygon PoS (Planned)
• ⏳ Arbitrum One (Planned)
• ⏳ Optimism (Planned)
• ◻️ Sui (Future Consideration)

Supported Wallets & Interaction Methods

Wallet compatibility ensures a smooth payment experience for your customers.

Solana:

• ✅ Phantom: Supports all interaction methods:
  • QR Code Scanning (via Solana Pay Protocol)
  • Desktop Browser Extension Invocation
  • Mobile Deeplinking / Universal Links
• ✅ Solflare: Supports all interaction methods:
  • QR Code Scanning (via Solana Pay Protocol)
  • Desktop Browser Extension Invocation
  • Mobile Deeplinking / Universal Links
• Other Solana Wallets: Wallets implementing the Solana Pay Protocol should be compatible with QR code scanning. Deeplinking and extension support may vary.

EVM (Base, Polygon, Arbitrum, Optimism - Coming Soon):

• Target wallets include MetaMask, Rabby, Phantom (EVM), Coinbase Wallet, and others supporting the EIP-681 payment request standard via QR code scanning or link handling.

Features

• Multi-Chain Ready: Fully functional on Solana; EVM support (Base first, then others) in active development.
• Instant Setup: Enter your wallet address(es) and business name—get a payment page ready in minutes.
• Non-Custodial: Payments go directly from the payer's wallet to your specified wallet address. Merkle Pay never holds your funds.
• Comprehensive Solana Payments:
  • Scan QR Code (Solana Pay Protocol) via Phantom and Solflare
  • Phantom wallet chrome extension connect and send transaction
  • Phantom app deeplink connect and send transaction
• EIP-681 Standard for EVM: Generates standard ethereum: payment URIs/QR codes for EVM chains (Base, Polygon, etc.) compatible with major wallets.
• Robust Off-Chain Tracking: Links merchant orderIds to confirmed blockchain transactions (txHash) via backend monitoring and stores the relationship securely in your PostgreSQL database.
• Unique Payment Disambiguation: Uses amount randomization (the "cents trick") for EVM payments and leverages Solana Pay's reference mechanism to reliably distinguish between potentially simultaneous payments, ensuring accurate mapping in the database.
• Stablecoin Focus: Designed primarily for USDT, USDC, and native chain assets (like SOL) on supported chains.
• Open-Source & Self-Hostable: Deploy using Docker or manually deploy to platforms like Vercel.
• Basic UI: Utilizes Arco Design for a clean, functional interface. (Focus is currently on functionality, UI contributions welcome!)