Getting Paid in Stellar (XLM) for Gift Cards

Trading an unused prepaid voucher for cryptocurrency should not eat up your balance in transaction fees or leave you waiting hours for block confirmations. Exchanging eligible gaming and shopping vouchers for Stellar Lumens (XLM) delivers direct, near-instant settlement to your wallet at minimal network cost once our verification is complete. Here is how the payout mechanism works, how to configure your transaction properly, and what to expect during processing.

Why Stellar Lumens is engineered for fast settlement

Unlike proof-of-work blockchains that rely on miners and probabilistic finality, the Stellar network utilizes the Stellar Consensus Protocol (SCP). Instead of waiting 10 to 60 minutes for multiple block confirmations, Stellar settles ledger entries across federated nodes in approximately 3 to 5 seconds. Once an outbound transaction is dispatched, funds are immediately confirmed and available in the recipient account.

Cost efficiency is another primary advantage of choosing XLM. Base network operations on Stellar cost a fraction of a single cent (a standard base fee of 100 stroops, or 0.00001 XLM). On congested networks, gas or transfer costs can consume a sizable portion of smaller transactions. With Stellar, virtually your entire approved voucher balance reaches your wallet rather than being lost to network fees.

Supported voucher types and live pricing calculations

At PayPuu, we convert specific digital prepaid gift cards and entertainment vouchers into cryptocurrency. We support a focused roster of popular card brands across predefined currencies:

• Steam: USD and EUR denominations
• Xbox: USD, EUR, and GBP denominations
• PlayStation Network: USD denomination
• paysafecard (PSC): EUR denomination
• NeoSurf: EUR and GBP denominations
• Razer Gold: USD denomination

Minimum order values are typically set at 50 USD, EUR, or GBP, depending on the card brand and currency pair. You can review current thresholds and coin values on our live rates page, where exchange rates automatically refresh every 10 minutes to reflect real-time market movements.

Before submitting any details, use the exchange widget on our homepage. When you enter the face value of your card and select Stellar as your payout coin, the calculator displays the exact amount of XLM and equivalent USD value you will receive. PayPuu's exchange margin is already factored into this quoted rate. The standard Stellar network transaction fee is transparently deducted and displayed upfront, ensuring no surprise deductions occur after processing.

The vital importance of including your Stellar Memo

The most critical step when configuring a Stellar payout is identifying whether your destination address requires a Stellar Memo. Because creating and maintaining individual accounts on the Stellar ledger carries a minimum balance requirement, most centralized exchanges (such as Coinbase, Kraken, or Binance) utilize shared deposit addresses for all their users.

To differentiate which customer owns an incoming deposit, custodial platforms assign an account-specific routing identifier known as a Memo (either a Memo ID number or a Memo Text string). If you send XLM to an exchange address without this required memo, the funds land in the exchange's omnibus wallet, but their automated systems cannot credit your personal account balance.

When is a memo required?

• Centralized crypto exchanges: Mandatory. Always look for the "Memo" or "Destination Tag" field alongside the public XLM deposit address in your exchange dashboard.
• Self-custody private wallets: Usually optional. If you hold your own private keys in a non-custodial wallet (such as Lobstr, Solar, or a hardware device), you generally own that unique public key and do not require a memo to receive deposits.

Our order form includes a dedicated field for your Stellar Memo. If your receiving wallet specifies a memo, copy and paste it exactly. Never guess or input random text, as custodial exchanges rely on strict character matching to route credits.

Step-by-step order submission and verification

We process transactions directly without requiring complicated onboarding procedures. You can initiate an order as a guest using your email address, and an internal account is automatically generated so you can track progress.

1. Configure your pair: Select your gift card brand, issuing currency, and Stellar (XLM) as the receiving asset in the homepage widget. Input the card's exact face value.
2. Provide wallet credentials: Enter your public Stellar wallet address (starting with "G"), paste your numeric or text Memo if required by your wallet provider, and enter your email address.
3. Submit voucher details: On the order page, enter the full gift card code, PIN, or voucher digits exactly as printed or issued.
4. Manual verification: Our team reviews and validates the card balance. Manual checks usually take 20 to 30 minutes, though processing can take slightly longer during peak hours.
5. Automated ledger payout: Once verified as active and valid, the system immediately broadcasts your XLM payout to the ledger, updating your order status to completed.

Please note that voucher integrity is paramount. If a submitted card is inactive, region-locked, partially spent, or already redeemed prior to verification, the order is cancelled, the specific decline reason is displayed on your order dashboard, and no payout is released. Once a valid card is redeemed and the cryptocurrency transfer is broadcast, the transaction is definitive and cannot be recalled or cancelled.

Verifying your XLM payment on StellarExpert

Because blockchain ledgers operate openly, you do not need to rely solely on our status updates to confirm your funds have arrived. As soon as PayPuu completes your order, your dashboard generates a 64-character transaction hash (TxID).

To inspect your payment independently, copy this hash and paste it into a public ledger explorer such as StellarExpert. The explorer will display the immutable ledger record:

• Ledger sequence number: Confirms the exact block in which the transaction settled.
• Timestamp: Shows the precise second the transfer was validated by the network.
• Transferred amount: Verifies the exact quantity of XLM delivered.
• Memo field: Proves that your destination memo was properly attached to the broadcast.

If your exchange balance does not reflect the deposit immediately, checking StellarExpert confirms whether the network has completed settlement. If the explorer shows a confirmed transaction with the correct memo, any remaining delay lies within your exchange's internal crediting queue.

FAQ

Do I need to complete identity verification to convert a voucher?

Most transactions can be placed as a guest with only a name and email address. However, depending on order size, transaction velocity, or specific voucher directions, standard email, phone, or identity verification may be requested before continuing.

What should I do if I forgot to include my exchange memo?

If your exchange required a memo and you left the field empty, the funds still reached the exchange's master address. You must submit a support ticket to your receiving exchange and provide the transaction hash from your PayPuu receipt so their team can manually locate and allocate your XLM.

Can PayPuu send XLM to an address on an alternate blockchain network?

No. PayPuu sends native Stellar Lumens across the native Stellar network. We do not support wrapped tokens or cross-chain contract transfers for XLM, so you must supply a standard Stellar public address beginning with the letter "G". For general network questions or submission help, check our help center or contact our 24/7 team via our contact page.