Your Automated
Gateway to
Smart Payments
Pre-authorized debit protocol on Stellar. Subscribe once, pay automatically — fully self-custodial, transparent, and cancellable anytime.
$0.001
Average transaction fee
100%
Self-custodial — your keys, your funds
0.5%
Transparent protocol fee
How It Works
Three simple steps to start accepting recurring payments on Stellar.
Create a plan
Set your token, amount, and billing cycle. Share your unique plan link with subscribers anywhere.
Approve a spending cap
Subscribers set a maximum amount per cycle. Funds stay safely in the wallet until payment executes.
Payments run automatically
The protocol executes payments on-chain each cycle. Cancel instantly with one click, anytime.
Why PayCycle
Built for security, simplicity, and total transparency.
Self-custodial
Your keys, your funds. No deposits or escrow. Tokens stay in your wallet at all times.
Sub-cent fees
Transaction fees under $0.01. Micro-subscriptions that are impossible on other chains.
Cancel anytime
One click, instant effect. No lock-in periods, no pending cancellations, no fine print.
Full transparency
Every payment is verifiable on the Stellar ledger. Protocol fee is visible and auditable.
Use Cases
From SaaS to payroll — recurring payments for every business.
Built for real businesses
Add recurring payments to any application with our protocol and smart contracts.
Subscription Services
Charge users on a recurring basis for software, content, or services — with fees under a cent.
Micro-Subscriptions
Enable $0.50/week plans that are impossible on other chains where gas exceeds the payment.
Automated Payroll
Recurring salary payments on-chain with spending caps and full employee custody of funds.
Ready to automate
your payments?
Set up your wallet and create your first subscription plan in under 5 minutes.
Get Started