Payments
Payment processing that costs less and settles in seconds
Customers pay by card, prepaid balance, or stablecoin: the way they already do. Stablecoin and prepaid payments cost about 1% all-in and land in your account in seconds, 24/7.
Oat latte & croissant
Order #1235 · Counter
Pay with
Prepaid balance
$340.00 available
Card
Credit or debit
Stablecoins
USDC, USDT, and more
How it works
Start taking payments
in three steps
- 1
Connect your business
Set up in about 10 minutes. Already on Square? Connect it and keep your devices.
- 2
Choose how customers pay
Turn on card, prepaid balance, and stablecoin payments from your payment method settings.
- 3
Get paid
Take payments at the counter by QR code, online at checkout, or with hosted checkout links you can send.
Checkout and settlement
Familiar for customers, faster for you
A checkout your customers already know
Nothing to download and nothing new to learn. Customers pay from any phone or computer with a browser.
Card, prepaid balance, or stablecoin
Customers choose, and you see every payment in dollars.
No account needed
Card and stablecoin payments work without a Decal profile.
Blockchain wallets they already use
Phantom, MetaMask, Jupiter, and more, with top USD stablecoins supported.
Haircut & Blowout
Tue, Sep 22 · 10:30 AM · with Maya
Pay with
Prepaid balance
$340.00 available
Card
Credit or debit
Stablecoins
USDC, USDT, and more
Payment #1236
Saturday night · settled in 1 second
- Received9:41:02 PM
- Settled9:41:03 PM
Available now
$1,284.50
Your money, in seconds
Stablecoin and prepaid payments settle to your Decal account in seconds, including nights, weekends, and bank holidays.
Settles 24/7
No waiting for the card networks to batch your sales.
Bank payouts in 1-2 business days
Move money to your bank account whenever you want.
Network fees covered
Decal pays the blockchain fees, so you and your customers never do.
Pricing
Simple rates, published up front
On a $5 coffee, traditional card processing (2.9% + 30¢) costs about 45¢. A stablecoin or prepaid-balance payment on Decal costs about 5¢.
Stablecoin & prepaid balance
~1%
All-in. No fixed fee, no interchange, no network fee.
Card payments
0%
For your first three months, then 2.8% + $0.10.
Decal subscription
$49
Per month, with unlimited locations and no hardware to buy.
Features
Everything you need to get paid
~1% all-in
Stablecoin and prepaid-balance payments have no fixed fee, no interchange, and no network fee on top.
No chargebacks on stablecoins
Stablecoin and prepaid payments are final at confirmation, so there are no disputes to fight.
Refunds as store credit
Refund to the customer's balance at no processing cost, so the money stays with your business.
Pay by QR code
Customers scan at the counter and pay from their phone in seconds.
Checkout links and invoices
Create an order, copy its checkout link, and see when it's paid.
Prepaid balances
Customers load a balance with your business and spend it down, with redemptions at no processing fee.
Square integration
Works with Square,
or on its own
Already on Square? Decal works on the Square devices you have, and orders sync in seconds, so there's no new hardware and no retraining your staff. No POS? Take payments with a QR code or a checkout link.
How Decal works with Square →
Who it's for
Built for small businesses
Cafes and coffee shops
Small tickets are where fixed card fees hurt most.
Retail shops
Take payments at the counter on the Square devices you already own.
Salons and barbers
Take payment at the chair or when clients book online.
Trainers and studios
Sell sessions and prepaid balances that clients spend down over time.
Pop-ups and markets
A QR code and a phone is all the setup you need.
Service providers
Send a checkout link and get paid before you start the job.
FAQ
Frequently asked questions
How do customers pay with Decal?
Customers pay the way they already do: with a credit or debit card, from a prepaid balance they hold with your business, or with stablecoins - online via normal checkout flows or in-person via QR code. There's no app to download. All a user needs is a computer or phone, and an internet browser.
How fast do I get paid?
Stablecoin and prepaid-balance payments settle to your Decal account in seconds, 24 hours a day, 7 days a week, including weekends and bank holidays. Moving money from Decal to your bank account takes 1-2 business days and follows normal banking hours.
Does Decal work on weekends and holidays?
Yes. Because stablecoin payments settle on blockchains rather than through the card networks, Decal processes and settles payments 24/7. So your Decal Treasury balance is always earning rewards. Payouts to a traditional bank account still follow banking schedules. Decal is a financial technology company, not a bank. Yield generated through Decal Treasury is produced through managed strategies and is not guaranteed. Funds are not FDIC-insured.
What about chargebacks and disputes?
Stablecoin and prepaid-balance payments on Decal are final at confirmation, so there are no chargebacks on them. Card payments processed through Decal carry standard card-network dispute rules.
Can I issue refunds?
Yes. Decal merchants issue refunds as credit back to the customer's balance, which costs you nothing in processing fees.
Do customers need a Decal account?
Not for a card or stablecoin payment. Customers create a lightweight Decal profile only when they want to hold a prepaid balance with your business or book appointments, so their credits and upcoming sessions are saved.
How much does Decal cost?
Decal starts at $49 per month. Payments made with stablecoins or from a customer's prepaid balance cost about 1% all-in. Card payments are free for your first three months, then 2.8% + $0.10. There is no hardware to buy.
What does "~1% all-in" mean?
It means the total cost to accept a stablecoin or prepaid-balance payment on Decal is about one percent of the transaction, with no separate per-transaction fixed fee, network fee, or interchange. On a $5 coffee, traditional card processing (2.9% + 30¢) costs about 45¢; Decal costs about 5¢.
Is there really 0% card processing for three months?
Yes. New Decal merchants pay 0% on card processing for their first three months. After three months, merchants pay 2.8% + $0.10.
Grow your business. Get paid.
Earn on what you keep.
Built for people running lean businesses. And priced for them, too.