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Every payment through PayOnProof generates a verifiable proof of payment recorded on the Stellar blockchain. This guide explains how to verify, interpret, and use your proof of payment.

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What is a proof of payment?

A proof of payment is an immutable record on the Stellar blockchain that proves:
  • A payment was made from sender to receiver
  • The exact amount sent and received
  • The exchange rate applied
  • The fees charged
  • The timestamp of the transaction
  • The route used (origin and destination anchors)
Unlike traditional payment receipts that can be forged, PayOnProof generates cryptographically verifiable proofs anchored on a public blockchain. Anyone can independently verify the proof using the Stellar transaction hash.

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How proofs are generated

After you complete the anchor flows:
1

Anchor processing

Both the origin and destination anchors process your transaction on the Stellar network. This creates on-chain transactions with unique hashes.
2

Auto-detection

PayOnProof automatically polls the anchor status APIs every 15 seconds. When both anchors report completion, the system retrieves the Stellar transaction hash.
3

Verification

PayOnProof queries the Stellar blockchain using the transaction hash to verify:
  • The transaction exists and succeeded
  • The amounts match what was expected
  • The transaction is immutable and confirmed
4

Proof generation

Once verified, PayOnProof generates a structured proof of payment containing all transaction details, anchored by the blockchain transaction hash.

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Automatic verification

In most cases, proof verification happens automatically:
  1. After completing both anchor flows (deposit and withdrawal), stay on the proof page
  2. You’ll see status updates: “Origin: pending | Destination: pending”
  3. PayOnProof polls anchor status every 15 seconds
  4. When the Stellar transaction hash is available, it’s automatically filled in
  5. The proof is verified and displayed with a Payment Verified banner
The entire auto-verification process typically takes 5-30 minutes depending on anchor processing times.
You can leave the page open in a background tab while waiting for verification. The polling continues automatically.

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Manual verification

If automatic verification doesn’t work or you have the transaction hash from another source:
1

Locate the transaction hash

Find your Stellar transaction hash from:
  • The anchor’s confirmation page after completing flows
  • Email notifications from the anchor
  • Your Stellar account transaction history
The hash is a long alphanumeric string (64 characters).
2

Paste the hash

On the proof page, locate the “Stellar transaction hash” input field and paste your transaction hash.
3

Click Verify On-chain

Click the Verify On-chain button. PayOnProof will:
  • Query the Stellar blockchain for this transaction
  • Validate the transaction succeeded
  • Extract payment details
  • Generate the proof of payment
If you see “Verification failed”, the hash may be incorrect, or the transaction may not have completed on-chain yet. Wait a few minutes and try again.
4

Review the proof

Once verified, the full proof of payment appears with a green success banner.

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Understanding your proof

The proof of payment card displays comprehensive transaction details:

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Header section

  • Proof of Payment: Title with PayOnProof branding
  • Verified badge: Green checkmark indicating blockchain verification

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Transfer amount

Shows the before/after amounts:
  • Left side: Amount sent in origin currency
  • Arrow: Directional indicator
  • Right side: Amount received in destination currency (highlighted in primary color)

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Transaction details

Key information fields:
  • Transaction ID: Unique identifier for this PayOnProof transaction
  • Date & Time: When the transfer was completed (with timezone)
  • Route: Anchor names (e.g., “MoneyGram Access USD > MoneyGram Access EUR”)
  • Exchange Rate: Conversion rate applied (e.g., “1 USD = 0.92 EUR”)
  • Total Fees: Sum of all fees in origin currency
Click the copy icon next to the Transaction ID to quickly copy it to your clipboard for reference.

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Blockchain verification section

The most important part of the proof:
  • Stellar TX Hash: The immutable blockchain transaction identifier
  • Copy button: Quickly copy the hash
  • View on Stellar Explorer link: Opens the transaction in Stellar Expert, an independent blockchain explorer

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Verifying independently

Anyone can verify your proof independently using the blockchain:
1

Share the Stellar TX Hash

Provide the Stellar transaction hash from your proof to anyone who needs to verify the payment.
2

Open Stellar Explorer

Go to stellar.expert/explorer/public (or click the link in your proof).
3

Search for the transaction

Paste the hash into the search bar and press Enter.
4

Review blockchain data

The explorer shows:
  • Transaction status (successful/failed)
  • Timestamp
  • Source and destination accounts
  • Asset transfers
  • All operations and effects
This data is immutable and cannot be altered—it provides independent proof the payment occurred.
The Stellar blockchain is public and permanent. Anyone with the transaction hash can verify the payment occurred, but they cannot reverse or modify it.

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Downloading your proof

To save a permanent record of your proof:
  1. Click the Download button below the proof card
  2. A text file named POP-{transaction-id}.txt is downloaded
  3. The file contains:
    • Full transaction details
    • Sender and receiver information
    • Amount, fees, and exchange rate
    • Stellar transaction hash
    • Link to Stellar Explorer for verification
Example downloaded proof: 
PROOF OF PAYMENT - POP
========================
Transaction ID: tx_abc123xyz
Date: 3/3/2026, 10:30:00 AM
Status: VERIFIED

TRANSFER DETAILS
-----------------
Sender: GXXX...XXXX
Receiver: GYYY...YYYY
Origin: 500 USD
Received: 460 EUR
Exchange Rate: 1 USD = 0.92 EUR
Total Fees: 5.00 USD
Route: MoneyGram Access USD > MoneyGram Access EUR

BLOCKCHAIN VERIFICATION
------------------------
Stellar TX Hash: abc123...xyz789
Network: Stellar Public

This proof of payment was generated by POP (Pay On Proof).
Verify on Stellar: https://stellar.expert/explorer/public/tx/abc123...xyz789
Save downloaded proofs for your records. They can be used for:
  • Accounting and tax purposes
  • Dispute resolution
  • Proof of remittance for recipients
  • Audit trails

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Sharing your proof

You can share proof of payment in multiple ways:

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Share button

Click the Share button to:
  • On mobile: Open the native share dialog to share via messaging apps, email, etc.
  • On desktop: Copy a summary to your clipboard that you can paste anywhere
The share text includes:
  • Transaction ID
  • Amounts (sent and received)
  • Stellar transaction hash

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Copy individual fields

Click the copy icons next to:
  • Transaction ID: For support inquiries
  • Stellar TX Hash: For independent verification
Copied text is indicated by a green checkmark for 2 seconds.

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Share the download file

Email or send the downloaded text file as an official receipt to:
  • Recipients who need proof of payment
  • Accountants or tax advisors
  • Compliance or audit teams
Privacy considerationThe Stellar transaction hash reveals your public Stellar address and transaction details on a public blockchain. Only share proofs with trusted parties.Never share your wallet seed phrase or private keys—only share the proof of payment or transaction hash.

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Troubleshooting

If you see “Verification failed”:
  • Check the hash: Ensure you pasted the complete Stellar transaction hash (64 characters)
  • Wait for confirmation: The transaction may not be confirmed on-chain yet—wait 2-5 minutes and retry
  • Check anchor status: If anchors show “pending”, the transaction hasn’t been submitted to Stellar yet
  • Network issues: Temporary connectivity issues can cause failures—retry after a moment
If the error persists after 30 minutes, there may be an issue with the anchor processing.
If auto-verification shows “Auto-checking anchor status…” for more than 30 minutes:
  • Check anchor links: Return to the anchor flows and verify both deposit and withdrawal are complete
  • Manual verification: If you have the transaction hash from the anchor, use manual verification instead
  • Contact support: If both anchors show complete but no hash appears, contact PayOnProof support
The polling may stop if there’s an error. Look for error messages below the status text.
If clicking “View on Stellar Explorer” shows “Transaction not found”:
  • The transaction hash may be incorrect
  • You may be looking at the wrong network (Testnet vs. Mainnet)
  • The transaction may have failed on-chain (anchors can report success before on-chain confirmation)
Double-check the hash and ensure you’re using the correct Stellar Explorer URL:
If the proof shows incorrect amounts:
  • This should not happen if verification succeeded—the amounts are pulled from the actual blockchain transaction
  • Verify the transaction on Stellar Explorer independently
  • Compare with your anchor confirmation emails
  • Contact PayOnProof support with the transaction ID and Stellar hash
Note: The amounts shown are after fees. Check the fee breakdown to understand the difference between amount sent and amount received.

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Proof validity

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How long is a proof valid?

Forever. Once a transaction is recorded on the Stellar blockchain:
  • It cannot be deleted or modified
  • It remains publicly verifiable indefinitely
  • The proof of payment can be regenerated at any time using the transaction hash

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Can a proof be faked?

No. The proof’s validity is anchored to the Stellar blockchain:
  • The transaction hash links to an immutable blockchain record
  • Anyone can independently verify the transaction on Stellar Explorer
  • Altering any detail would invalidate the hash
  • The blockchain timestamp proves when the transaction occurred
This is the core value of PayOnProof: cryptographic certainty that a payment occurred, backed by a decentralized blockchain that no single party controls.

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Next steps

Sending payments

Learn how to send your next cross-border payment

Understanding fees

See how fees are calculated and displayed in proofs

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