How to Accept Solana Payments on Your Website Without a Backend

Solana Pay is a URL standard, not a payment processor. You show a solana: link or QR, the buyer's wallet builds the transfer, and the money lands directly in your wallet. There's no processor fee, no chargebacks and no monthly bill. Here's how to set it up properly.

1. The transfer request URL

solana:<YOUR_WALLET>?amount=7&spl-token=EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v&reference=<RANDOM_PUBKEY>&label=My%20Shop

Leave out spl-token to charge in SOL. The reference is a random public key generated for each order. Wallets attach it to the transaction, so you can find that payment on-chain later.

2. Finding the payment

Call getSignaturesForAddress(reference), then getTransaction for each signature. Check that the transaction succeeded, that your wallet's balance went up by at least the price, and, for USDC, that the mint is the real USDC mint.

3. Verify on a server, but it can be free

Browser-only checks can be faked. A Cloudflare Worker on the free tier can do the verification and gate the download without a database: each download request re-checks the chain.

4. Gotchas

• Create your USDC token account before launch.
• Check several signatures per reference. Dust spam can mention it first.
• The public mainnet RPC blocks Cloudflare IPs. Use fallbacks or a free keyed RPC.
• Use confirmed for small digital goods and finalized for anything valuable.

Skip the setup

The Solana Pay Drop-In Checkout Kit packages all of this: a single-file checkout, a verifying Worker, a balance script and a full guide, for 7 USDC. The checkout on that page runs on the kit itself.

More guides: How to Accept USDC Payments on Your Website (2026 Guide) · Solana Pay on WordPress · Solana Pay Shopify Alternative · Solana Pay QR Code · Accept Solana payments