---
name: solana-pay
description: Solana Pay protocol integration. Generate payment requests, QR codes, and verify transactions on Solana blockchain.
metadata: {"clawdbot":{"emoji":"⚡","requires":{"bins":["solana","curl","jq","qrencode"],"env":["SOLANA_KEYPAIR_PATH"]}}}
---

# Solana Pay ⚡

Decentralized payment protocol built on Solana. Instant, near-zero fee payments.

## Environment Variables

| Variable | Description | Required |
|----------|-------------|----------|
| `SOLANA_KEYPAIR_PATH` | Path to merchant wallet keypair | Yes |
| `SOLANA_RPC_URL` | Custom RPC endpoint | No |
| `MERCHANT_NAME` | Display name for payments | No |

## Features

- 💸 **Instant Payments** - Sub-second finality (~400ms)
- 🆓 **Near-Zero Fees** - ~$0.00025 per transaction
- 🔗 **QR Code Payments** - Generate scannable payment requests
- 🛒 **Point of Sale** - Merchant integrations
- 📱 **Wallet Support** - Phantom, Solflare, Backpack

## Payment URL Specification

Solana Pay uses a URL scheme for payment requests:

```
solana:<recipient>?amount=<amount>&spl-token=<mint>&reference=<reference>&label=<label>&message=<message>&memo=<memo>
```

## Generate Payment Request (SOL)

```bash
RECIPIENT=$(solana address --keypair "$SOLANA_KEYPAIR_PATH")
AMOUNT="1.5"
REFERENCE=$(solana-keygen new --no-bip39-passphrase --silent --outfile /dev/stdout | head -1)
LABEL="My Store"
MESSAGE="Order #12345"

# Build Solana Pay URL
PAY_URL="solana:${RECIPIENT}?amount=${AMOUNT}&reference=${REFERENCE}&label=${LABEL}&message=${MESSAGE}"

echo "Payment URL: $PAY_URL"

# Generate QR code (requires qrencode)
echo "$PAY_URL" | qrencode -o payment_qr.png -s 10
echo "QR code saved to payment_qr.png"
```

## Generate Payment Request (SPL Token)

```bash
RECIPIENT=$(solana address --keypair "$SOLANA_KEYPAIR_PATH")
AMOUNT="100"
SPL_TOKEN="EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v"  # USDC
REFERENCE=$(openssl rand -hex 32)
LABEL="My Store"
MESSAGE="Order #12345"

# Build Solana Pay URL with SPL token
PAY_URL="solana:${RECIPIENT}?amount=${AMOUNT}&spl-token=${SPL_TOKEN}&reference=${REFERENCE}&label=${LABEL}&message=${MESSAGE}"

echo "Payment URL: $PAY_URL"
echo "$PAY_URL" | qrencode -o payment_qr.png -s 10
```

## Common Token Addresses

| Token | Mint Address |
|-------|--------------|
| USDC | EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v |
| USDT | Es9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB |
| BONK | DezXAZ8z7PnrnRJjz3wXBoRgixCa6xjnB7YaB1pPB263 |
| JUP | JUPyiwrYJFskUPiHa7hkeR8VUtAeFoSYbKedZNsDvCN |

## Verify Payment by Reference

```bash
REFERENCE="<REFERENCE_PUBKEY>"
RPC_URL="${SOLANA_RPC_URL:-https://api.mainnet-beta.solana.com}"

# Find transaction with reference
curl -s -X POST "$RPC_URL" \
  -H "Content-Type: application/json" \
  -d "{
    \"jsonrpc\": \"2.0\",
    \"id\": 1,
    \"method\": \"getSignaturesForAddress\",
    \"params\": [\"${REFERENCE}\", {\"limit\": 1}]
  }" | jq '.result[0]'
```

## Validate Transaction

```bash
SIGNATURE="<TX_SIGNATURE>"
EXPECTED_RECIPIENT="<MERCHANT_WALLET>"
EXPECTED_AMOUNT="1000000"  # in lamports or token units

# Get transaction details
TX=$(curl -s -X POST "$RPC_URL" \
  -H "Content-Type: application/json" \
  -d "{
    \"jsonrpc\": \"2.0\",
    \"id\": 1,
    \"method\": \"getTransaction\",
    \"params\": [\"${SIGNATURE}\", {\"encoding\": \"jsonParsed\", \"maxSupportedTransactionVersion\": 0}]
  }")

# Verify recipient and amount
echo "$TX" | jq '.result.transaction.message.instructions[] | select(.parsed.type == "transfer")'
```

## Transaction Request (Interactive Payments)

For complex payments requiring server interaction:

```bash
# Server endpoint that returns transaction
TRANSACTION_URL="https://your-server.com/api/pay"

# Solana Pay URL pointing to transaction endpoint
PAY_URL="solana:${TRANSACTION_URL}"
```

### Transaction Request Server Example

```javascript
// POST /api/pay
// Returns serialized transaction for wallet to sign

app.post('/api/pay', async (req, res) => {
  const { account } = req.body;  // Payer's wallet
  
  // Build transaction
  const transaction = new Transaction();
  transaction.add(
    SystemProgram.transfer({
      fromPubkey: new PublicKey(account),
      toPubkey: MERCHANT_WALLET,
      lamports: LAMPORTS_PER_SOL * 0.1
    })
  );
  
  // Serialize and return
  const serialized = transaction.serialize({
    requireAllSignatures: false,
    verifySignatures: false
  });
  
  res.json({
    transaction: serialized.toString('base64'),
    message: 'Payment for Order #123'
  });
});
```

## Point of Sale Integration

### Generate Dynamic QR

```bash
#!/bin/bash
# pos_payment.sh - Generate payment QR for POS

AMOUNT="$1"
ORDER_ID="$2"
TOKEN="${3:-SOL}"

RECIPIENT=$(solana address --keypair "$SOLANA_KEYPAIR_PATH")
REFERENCE=$(openssl rand -hex 32)

if [[ "$TOKEN" == "SOL" ]]; then
  PAY_URL="solana:${RECIPIENT}?amount=${AMOUNT}&reference=${REFERENCE}&memo=Order-${ORDER_ID}"
else
  # Get token mint
  case "$TOKEN" in
    USDC) MINT="EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v" ;;
    USDT) MINT="Es9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB" ;;
  esac
  PAY_URL="solana:${RECIPIENT}?amount=${AMOUNT}&spl-token=${MINT}&reference=${REFERENCE}&memo=Order-${ORDER_ID}"
fi

# Display QR in terminal (requires qrencode)
echo "$PAY_URL" | qrencode -t ANSIUTF8

# Save reference for verification
echo "$REFERENCE" > "/tmp/order_${ORDER_ID}_ref.txt"
echo "Reference saved. Waiting for payment..."
```

### Poll for Payment

```bash
#!/bin/bash
# wait_payment.sh - Wait for payment confirmation

ORDER_ID="$1"
REFERENCE=$(cat "/tmp/order_${ORDER_ID}_ref.txt")
RPC_URL="${SOLANA_RPC_URL:-https://api.mainnet-beta.solana.com}"

echo "Waiting for payment (reference: ${REFERENCE:0:8}...)"

while true; do
  RESULT=$(curl -s -X POST "$RPC_URL" \
    -H "Content-Type: application/json" \
    -d "{
      \"jsonrpc\": \"2.0\",
      \"id\": 1,
      \"method\": \"getSignaturesForAddress\",
      \"params\": [\"${REFERENCE}\", {\"limit\": 1}]
    }")
  
  SIG=$(echo "$RESULT" | jq -r '.result[0].signature // empty')
  
  if [[ -n "$SIG" ]]; then
    echo "✅ Payment received!"
    echo "Transaction: $SIG"
    echo "Explorer: https://solscan.io/tx/$SIG"
    break
  fi
  
  sleep 2
done
```

## Fee Comparison

| Network | Fee | Time |
|---------|-----|------|
| Solana Pay | ~$0.00025 | ~400ms |
| Visa/MC | 2-3% | 1-3 days |
| PayPal | 2.9% + $0.30 | Instant |
| Wire Transfer | $25-50 | 1-5 days |

## Safety Rules

1. **ALWAYS** verify transaction signature before fulfilling orders
2. **ALWAYS** check recipient matches merchant wallet
3. **ALWAYS** verify amount matches expected payment
4. **USE** unique reference for each payment request
5. **NEVER** reuse reference keys

## Error Handling

| Error | Cause | Solution |
|-------|-------|----------|
| No transaction found | Payment not made | Continue polling |
| Wrong recipient | Spoofed payment | Reject, alert user |
| Wrong amount | Partial payment | Request remaining |
| Transaction failed | Insufficient funds | Request retry |

## Links

- [Solana Pay Docs](https://docs.solanapay.com/)
- [Solana Pay GitHub](https://github.com/solana-labs/solana-pay)
- [Solscan Explorer](https://solscan.io/)


---
Source attribution: kbarbel640-del
Original project: https://github.com/kbarbel640-del/skills/blob/e7e336ac628c3e3bd771aff1aaa469c93778f94a/skills/0xterrybit/solana-pay/SKILL.md
License: MIT
License information: https://opensource.org/license/mit
Original upstream instructions; downloaded from Mega AI Hub.

## Upstream license notice

MIT License

Copyright (c) 2026 clawdbot

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.



# Mega AI Hub resource metadata

Creator / publisher: kbarbel640-del
Original project: https://github.com/kbarbel640-del/skills/blob/e7e336ac628c3e3bd771aff1aaa469c93778f94a/skills/0xterrybit/solana-pay/SKILL.md
Attribution basis: Source repository record

Fields of work: Marketing, Sales
Roles: Business Development, Customer Success Manager, Growth Marketer, Product Marketer, Sales Engineer
Specialties: API
Tools: Curl, Jq, Qrencode, Solana
Country applicability: Country not specified
Classification basis: Source catalog labels
Instruction SHA-256: 744716905ef27a68f5263761b2cecf8c7166ee5650faddc0b73bc279d9fdd4d9