You pay
0.5%
Keychain
Get early accessThe world's firstmerchant-ownedpayment network
Accept customer payments at 0.5% — and earn money back every quarter.
Merchant‑owned
This network belongs to the people who serve customers every day — not to banks or middlemen.
Simple pricing
A flat 0.5%. Most of what we collect gets paid back to you every quarter.
Power back to the counter
The more merchants join, the more everyone earns back. Your network becomes your advantage.
How it works
Keychain processes digital payments for your business and settles to your existing bank.
We keep
0.2%
Keeps the lights on.
You earn back
0.3%
Quarterly rebates to merchants — based on contribution (volume, tenure, referrals, participation).
Fair, flat, simple
Example: $50,000 monthly volume → gross fee $250. Potential quarterly rebate up to $200 depending on network growth.
Gross fee (0.5%)
$250
Potential rebate
up to $200
Own the network you use.
Founding partners earn bigger rebates and lifetime recognition in the network.
FAQ
Do I need new hardware?
No. We start on top of your current POS (Square, Clover, Toast) and your existing bank account.
How do rebates work?
Each quarter, a portion of the 0.3% pool is redistributed based on your contribution to the network.
Is this crypto?
We use modern payment technology behind the scenes. You never touch crypto — you just receive dollars to your bank.
What about chargebacks?
No chargebacks, period. Payments are final, so you never lose money to fraud or disputes.