The world's firstmerchant-ownedpayment network

A return to what matters: value flowing to those who create it. Built with purpose, for the people who keep things running.

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 routes payments over efficient rails under the hood and settles to your existing bank. No new hardware. Keep your POS.

You pay
0.5%
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.

Request access
No contracts. No setup fees. Five‑minute onboarding.

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?

Authenticated, tap‑based flows reduce disputes. We provide tooling and support for quick resolution.