Payments & Point of Sale
Get paid without losing a slice
of every payment
A counter, a job site, a front desk, an invoice or a donation page — one way to take money, in any business. The fee is invoiced at the end of the month, never taken out of what your customer sent.
Running on the test network · onboarding the first businesses now
Where this actually stands
The system is built, tested and deployed, and it is running on a test network — so no live money has moved through it yet. Before it does, two people who are not me have to sign off: an accountant on how a payment is valued in dollars, and an attorney on the terms. I am booking calls now because the first few businesses on it should be ones I have actually talked to, and because the order of those conversations decides what gets built next. If you need to take money this week, say so on the call and I will tell you straight that this is not yet the thing for it.
Wherever the money actually happens
The same service in five different rooms. Nothing on this list is a different product or a different price.
One thing worth knowing before the call, because it decides whether any of this fits: your customer pays in USDC, a dollar-denominated currency, from their own wallet. That is the whole of what they do differently.
What you get
The money lands in your own account
It is your account, in your name, and it is the only place the payment goes. Nothing is routed through me on the way, so there is no balance of yours sitting in somebody else’s system waiting to be released.
The fee is a bill, not a bite
You are invoiced once a month for what you owe. It is never taken out of a payment, so the amount your customer sent and the amount you reconcile are the same number.
Nothing is held, ever
No rolling reserve, no settlement window, no limit that trips because you had a good week and the system decided that was unusual.
The receipt goes out by itself
Your customer gets one immediately and you get the notice. Nobody has to remember to send anything, which is the step that actually gets skipped.
Your bookkeeper gets a file, not a shoebox
Every payment comes out as a record an accountant can file from, with the amounts in dollars. The large-cash and donated-property reporting flags are raised for you rather than found in March.
Every payer is screened before it counts
Each payment is checked against the US Treasury sanctions list. That is a check most businesses this size have no way to run and no idea they are expected to.
Why this instead of what you use now?
Six differences, and every one of them is a term of business rather than a promise about your results. I am not naming anybody else or quoting their prices — you already know what you pay.
Invoiced, not deducted
The usual arrangement takes its cut out of the payment on the way past, so every figure in your books is net of a fee and the gross has to be reconstructed. Here the payment arrives whole and the fee arrives as a statement, the same as any other supplier.
Your money is never in my custody
I do not hold funds and I do not hold keys. That is not a policy I could change next quarter — it is how the thing is built, and it is the reason there is no process by which your balance could be frozen while somebody reviews your account.
A completed payment is final
There is no chargeback window, which removes a category of fraud that falls on the business today. It also removes the buyer’s route to reverse a payment, so it suits work that is delivered and invoiced far better than it suits anonymous walk-in retail. I would rather say that on the page than have you find it out.
The price is on this page
All of it, including what happens if you pay me late. You do not book a call to find out a number — you book a call to decide whether the thing fits.
One engineer, and he answers
The person who writes it is the person who picks up. There is no tier one, and nothing about your account is explained to you by somebody reading a script.
It was built for a business that had to survive it
The first business on it is my own trades company, which has put $216K through software I wrote and still operate — $192K of that collected, with under $650 more than 30 days late. I am not the test customer here, I am the first one.
Terms · payments
What it costs to take a payment
The percentage applies to the dollar value of the payment when it arrives. Pick a plan by what you collect, not by what you hope to.
Pay as you go
0.75%
per payment
No monthly fee
Taking payment occasionally, or trying it out.
Nothing to commit to. You pay a percentage of what you actually collected and nothing in a month where you collected nothing.
Business
0.25%
per payment
$49 per month
Taking payment as a normal part of the week.
The monthly fee buys the lower rate. It is worth it once you are collecting enough that a third of a percent is more than $49 — the call is where we work that out with your real numbers.
Nonprofit
0.5%
per payment
No monthly fee
A registered nonprofit taking donations or fees.
A lower rate with no monthly cost, because a small charity has no software budget and the gift is somebody’s money rather than a margin.
And the rest of it, in writing
- The fee is invoiced, never deducted. Every payment reaches your account in full. I bill you once a month for the month before, and you pay that bill like any other.
- Each payment is billed exactly once. A payment that arrives late lands on the next statement rather than being missed or counted twice. Anything held for review is not billed at all.
- If you are 30 days late paying me, I stop issuing you new pay links. Links already in your customers’ hands keep working. Your customer’s money is not mine to interrupt, and it will never be held over a dispute between you and me.
- No setup fee, no contract, no minimum. Nothing is held, there is no reserve, and there is no monthly amount you have to collect to keep the rate.
Terms · everything else
The rest of what I do, priced
Taking payment is one piece. If the reason you are here is that the admin around the money is the actual problem, these are the fixed-scope pieces, and the price is the price.
Where the manual work actually is, and what it would take to remove it. No signup.
Why a local business does not show up, worst first. Not a retainer and not a ranking promise.
An AI feature reviewed before it ships a wrong answer. Eval harness, retrieval gates, a prioritised fix list.
One manual workflow automated end to end — intake to ticketing to invoicing.
One production-ready AI feature, built on your stack and your data, with the gates that keep it honest.
Keeping what I built running, improved and supported. Never assumed, never bundled.
I work inside your team for a stretch and ship on your real systems. Scope agreed each cycle.
Fixed scope agreed before I start, and a build is quoted once I know what is actually there — which is what the free audit is for. Support afterwards is optional and is never assumed.
Is this a good fit for you?
That is genuinely the question the call answers, in both directions. Here is my half of it in advance so you can save yourself the half hour.
It fits if
- You already invoice people, or you take payment for work you have delivered.
- You would rather be billed for a service than have a cut taken out of your takings.
- You want your books to balance without somebody unpicking fees line by line.
- You have customers who can pay from a phone, or you are willing to offer it alongside what you take today.
- You are a nonprofit and every percent of a gift matters.
It does not fit if
- You need to take cards from walk-in strangers tomorrow. This sits alongside that, it does not replace it.
- Your customers need the ability to reverse a payment after the fact. Here they do not have one.
- You cannot ask a customer to pay from their own wallet — because that is what paying means here, and no amount of good design changes it.
- You want somebody to hold the money for you. I never will, and for some businesses that is the wrong answer.
Book a call and we will work it out
Half an hour. Bring what you collect in a normal month and what you pay to collect it, and we will do the arithmetic together on the call rather than me guessing at it here. If it is not a fit I will say so and point you at what is — I would rather lose the sale than sell you a payment method your customers will not use.
One engineer, published prices, and no obligation at the end of the call.