Sixty basis
points. Flat.
No interchange. No tiers. No volume gates. The same 60 bps whether you sell A$5 lattes or A$50,000 watches.
What you actually pay.
The protocol caps total fees at 60 bps. That's split four ways on-chain — issuer, integrator, treasury, gas — but to you, it's one number on one line.
- 10 bps stablecoin issuer (AUDD / AUDM)
- 25 bps your POS / integrator
- 10 bps protocol treasury
- 15 bps network gas + AUD off-ramp
See what you'd save.
Drag the sliders. Watch your fee bill drop.
Annual fee bill
No platform fee. No subscription.
Everything below ships in the 60 bps. Hardware sold at cost.
Merchant Portal
Real-time vault balance, exportable statements, payout schedule, refund tooling.
OPK Pay terminal SDK
Android (iMin, PAX, Sunmi, Wiseasy). iOS coming Q3. Tap-to-Pay style integration.
Daily AUD off-ramp
NPP / OSKO direct to your existing Australian bank. No re-onboarding.
Hook framework
Loyalty, cashback, NFTs, agent attestations — write the contract, attach to your vault.
Audit-trail export
Per-transaction blockchain receipts. Xero, MYOB, QuickBooks adapters built-in.
Standard support
Slack channel, business hours. Hardware swap within 48h Australia-wide.
Common questions.
Are there volume discounts?
No. The protocol caps the merchant fee at 60 bps for everyone — a corner shop and a national chain pay the same rate. We can't undercut it; the cap is enforced on-chain.
What does the customer pay?
The customer pays the sticker price. They tap, sign with passkey, and the stablecoin moves. No surcharge, no FX margin, no foreign-card uplift.
What if I want to keep funds in stablecoin?
Toggle off auto-conversion in the Merchant Portal. AUDD / AUDM stays in your vault. You can off-ramp manually whenever.
What about chargebacks?
There aren't any. Settlement is final once the on-chain transaction confirms. Refunds are a deliberate action you take from the Merchant Portal.
Hardware cost?
OPK Pay terminal: A$349 one-time, sold at cost. Or use your existing Android device — load the OPK Pay app for free.
Is GST handled?
Yes. The Merchant Portal generates GST-compliant tax invoices. Each on-chain receipt includes the GST line item your accountant needs.
Ready to swap the rails?
A 30-minute onboarding call. We ship a terminal the next business day.