How to Accept Card Payments for Memecoins

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Introduction

This guide will show you how to accept credit card payments using Crossmint’s Embedded Checkout for memecoin sales. You’ll learn how to:

Set up credit card payments for Solana memecoin purchases in JavaScript
Implement an embedded checkout UI using Crossmint’s React components
Track order status and delivery

Important Notes

Compliance Checks

Crossmint runs compliance checks on all tokens to ensure they do not qualify as securities or currencies under applicable regulations. Transactions for tokens that are determined to be too similar to securities or currencies will fail.

Supported Tokens

Memecoin checkout supports the Solana and Base networks. You can check which tokens are supported by using the fungibleCheckoutAvailable endpoint. A more in depth guide on token support is here.

Delivery to External Wallets Only

Memecoin checkout only delivers memecoins to EOAs (Externally Owned Accounts), not Crossmint supported delivery solutions, such as on-the-fly wallet creation (both Crossmint custodial wallets and smart wallet), delivery to Twitter handle, etc.

Merchant of Record

Crossmint remains the merchant of record for all transactions. Your buyers will still receive delivery receipts and transaction confirmations from Crossmint.

Prerequisites

Solana Wallet

Have a Solana wallet address ready to receive purchased memecoins

Get API Keys

Get your API keys from the Crossmint Console

Client-side
Server-side (Headless Checkout Only)

Fungible Token Specification

To define which fungible token you'd like to purchase, you'll need to specify the tokenLocator in the format:

For Solana: solana:${tokenMintHash}
- Example: solana:6p6xgHyF7AeE6TZkSmFsko444wqoP15icUSqi2jfGiPN
- tokenMintHash: The token mint hash (commonly known as contract address, CA, or mint hash)
For EVM chains (Ethereum, Polygon, Arbitrum, Base, etc.): <chain>:<contractAddress>
- Example: ethereum:0x1234567890123456789012345678901234567890
- chain: The chain name (ethereum, polygon, arbitrum, base, etc.)
- contractAddress: The contract address corresponding to the ERC20 token contract (40 hexadecimal characters, beginning with 0x)

Embedded Memecoin Checkout

The fastest way to start selling memecoins is to use our embedded checkout solution adapted for fungible tokens.

Important Parameters

Before implementing the checkout, note these key parameters:

receiptEmail: Optional. If the buyer pays with Apple Pay or Google Pay, Crossmint obtains the email automatically. Providing it improves fraud signal quality.
executionParameters.mode: Set to “exact-in” for memecoin purchases (specifies exact USD amount to spend). “exact-out” is for NFTs, while “exact-in” is for fungible tokens.
maxSlippageBps: Optional slippage tolerance (default is typically 500 BPS or 5% if not specified)

Testing in Staging? Use the XMEME test token: solana:7EivYFyNfgGj8xbUymR7J4LuxUHLKRzpLaERHLvi7Dgu. Production tokens will not work in the staging environment.

Integration Steps

This guide will start from scratch with an empty Next.js application. You'll install the required @crossmint/client-sdk-react-ui dependency and add the embedded checkout component. To get started:

Set up the Project

Create a new Next.js application

npx create-next-app@latest

If you see this message, type y and press Enter to proceed:

Need to install the following packages:
  create-next-app@latest
Ok to proceed? (y)

Name your app `crossmint-embedded-checkout-demo` and accept the default options

What is your project named? crossmint-embedded-checkout-demo
Would you like to use TypeScript? Yes
Would you like to use ESLint? Yes
Would you like to use Tailwind CSS? Yes
Would you like to use `src/` directory? No
Would you like to use App Router? (recommended) Yes
Would you like to customize the default import alias? No

Change into the directory created in previous steps

cd crossmint-embedded-checkout-demo

Install @crossmint/client-sdk-react-ui

npm i @crossmint/client-sdk-react-ui

yarn add @crossmint/client-sdk-react-ui

pnpm add @crossmint/client-sdk-react-ui

bun add @crossmint/client-sdk-react-ui

Open the project in your preferred code editor

Memecoin Embedded Integration

Next, we will set up a project file with Crossmint’s embedded checkout to accept memecoin purchases.

Add environment variables

Create .env.local in your project root:

NEXT_PUBLIC_CLIENT_API_KEY="_YOUR_CLIENT_API_KEY_"                    # From API Keys page
NEXT_PUBLIC_TOKEN_ADDRESS="7EivYFyNfgGj8xbUymR7J4LuxUHLKRzpLaERHLvi7Dgu" # xmeme token for staging testing
NEXT_PUBLIC_RECIPIENT_WALLET_ADDRESS="YOUR_SOLANA_WALLET_ADDRESS"     # Add desired recipient wallet
NEXT_PUBLIC_RECEIPT_EMAIL="YOUR_EMAIL"                               # Add desired recipient email

Create the checkout page

Create /src/app/page.tsx with:

"use client";
import { CrossmintProvider, CrossmintEmbeddedCheckout } from "@crossmint/client-sdk-react-ui";

export default function Home() {
    const clientApiKey = process.env.NEXT_PUBLIC_CLIENT_API_KEY as string;
    const tokenAddress = process.env.NEXT_PUBLIC_TOKEN_ADDRESS as string;
    const recipientWalletAddress = process.env.NEXT_PUBLIC_RECIPIENT_WALLET_ADDRESS as string;

    return (
        <div className="flex flex-col items-center justify-start h-screen p-6 bg-white">
            <CrossmintProvider apiKey={clientApiKey}>
                <div className="max-w-[450px] w-full">
                    <CrossmintEmbeddedCheckout
                        recipient={{
                            walletAddress: recipientWalletAddress, // Wallet address to receive the memecoins
                        }}
                        lineItems={{
                            tokenLocator: `solana:${tokenAddress}`, // Token address in format solana:tokenAddress (e.g., solana:7EivYFyNfgGj8xbUymR7J4LuxUHLKRzpLaERHLvi7Dgu for xmeme token)
                            executionParameters: {
                                mode: "exact-in", // The execution method for the order. It tells Crossmint to operate in buying fungibles mode
                                amount: "5", // Amount in USD
                                maxSlippageBps: "500" // Optional - default slippage will be applied if not specified
                            }
                        }}
                        payment={{
                            receiptEmail: process.env.NEXT_PUBLIC_RECEIPT_EMAIL as string, // Email address to receive the receipt
                            crypto: {
                                enabled: false, // Only fiat is supported for memecoin purchases
                            },
                            fiat: {
                                enabled: true,
                            },
                            defaultMethod: "fiat",
                        }}
                    />
                </div>
            </CrossmintProvider>
        </div>
    );
}

For more details on tokenLocator formatting and other item selection options, see our embedded item selection guide.

Run your app

npm run dev

yarn dev

pnpm dev

Visit website (e.g http://localhost:3000) to see your checkout!

Test your app

Test purchases in staging using test credit cards, like 4242424242424242 (Visa). More information on testing can be found here.For production launch with live memecoin tokens, contact the Crossmint sales team — production Checkout requires a signed Order Form and successful KYB. See the production launch guide for the full sequence.

Here’s how your embedded checkout will look after implementation:

Note the quote expiration timer above the checkout button. 🎉 Congratulations! You’ve successfully set up your embedded memecoin checkout. Check out the Next Steps section below to learn how to customize your integration.

Understanding the Code

Quote Expiration

Price quotes are valid for 1 minute. After expiration, you'll need to request a new quote from the embedded checkout component

Slippage

Crossmint applies the slippage specified in your executionParameters.maxSlippageBps. If not provided, Crossmint will use the default slippage configuration (typically 500 BPS or 5%) from Crossmint's provider

Next Steps

Customize UI

Learn how to customize the embedded checkout experience

Handle Webhooks

Implement webhook handling for order updates

Order Lifecycle

The order goes through several phases: Learn more about order phases in the headless checkout guide or embedded checkout guide A summary of the phases is below:

Quote Phase (1-minute validity)
- Initial price quote generated
- Requires recipient information to proceed
Payment Phase
- Collect payment information
- Handle payment completion and errors
Delivery Phase
- Purchase memecoin with USDC
- Apply specified slippage tolerance
- Send transfer transaction to recipient wallet
Completion
- Order marked as completed
- Receipt email sent to recipient
- Memecoins have been delivered to the recipient wallet

If the quote expires (after 1 minute), the embedded checkout will automatically refresh the quote. You can customize this behavior using the checkout hooks.

FAQ

Is there a UI Crossmint provides?

Yes, you can use our embedded checkout or hosted checkout options. Contact our sales team to learn more about these solutions and find the best fit for your needs.

Do I need to complete KYC to purchase memecoins?

Crossmint KYC is currently disabled for memecoin purchases. This means that if your buyers typically have high risk profiles, their transaction may be declined. To increase conversion, please read the improving conversion guide.

What happens if my transaction fails?

When a user attempts a purchase, Crossmint puts a hold on their credit card. Only if the blockchain transaction succeeds, funds are captured. If the blockchain transaction fails, funds are released and the user is never charged.

What are the transaction limits?

The default transaction limit is 1,000 USD per user. A single wallet address is subject to a daily limit of 1,000 USD per user, the same as for NFT purchases. If you need a higher limit, speak to your Crossmint representative.

Is there a limit on how much of a single token I can sell in a day?

Yes, there is a volume limit of 1,000,000 USD worth of credit card purchases per day. This limit resets daily at 11:59 PM EST.

What do the order creation parameters mean?

The order creation request includes several important parameters:Payment Object

method: Set to card for credit card payments
currency: Set to usd for US Dollar payments
receiptEmail: Optional. If the buyer pays with Apple Pay or Google Pay, Crossmint obtains the email automatically. Providing it improves fraud signal quality.

Line Items Object

tokenLocator: Specifies the memecoin token address in the format solana:tokenAddress
executionParameters:
- mode: Set to "exact-in" for memecoin purchases (specifies exact USD amount to spend)
- amount: Amount to purchase in USD
- maxSlippageBps: Set to "500" for 5% slippage tolerance. If not provided, the default slippage will be applied from the available liquidity provider.

Response Parameters The API response includes a clientSecret and an order object with an orderId. Pass these to the Crossmint Embedded Checkout component to collect payment from the user.

Introduction

Hosted (pop-up)

Embedded

Headless (API)

Advanced Guides

API Reference

Pay with Card - Memecoins (React)

Introduction

Important Notes

Compliance Checks

Supported Tokens

Delivery to External Wallets Only

Merchant of Record

Prerequisites

Fungible Token Specification

Embedded Memecoin Checkout

Important Parameters

Integration Steps

Set up the Project

Memecoin Embedded Integration

Understanding the Code

Quote Expiration

Slippage

Next Steps

Customize UI

Handle Webhooks

Order Lifecycle

FAQ

​Introduction

​Important Notes

Compliance Checks

Supported Tokens

Delivery to External Wallets Only

Merchant of Record

​Prerequisites

​Fungible Token Specification

​Embedded Memecoin Checkout

​Important Parameters

​Integration Steps

​Set up the Project

​Memecoin Embedded Integration

​Understanding the Code

Quote Expiration

Slippage

​Next Steps

Customize UI

Handle Webhooks

​Order Lifecycle

​FAQ

Introduction

Important Notes

Prerequisites

Fungible Token Specification

Embedded Memecoin Checkout

Important Parameters

Integration Steps

Set up the Project

Memecoin Embedded Integration

Understanding the Code

Next Steps

Order Lifecycle

FAQ