You pay
0.5%
Keychain
Get early accessThe 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 flows back as quarterly rebates.
Premium for customers
A beautiful tap‑to‑pay card that funds local rewards — keeping value in the neighborhood.
How it works
Keychain routes payments over efficient rails under the hood and settles to your existing bank. No new hardware. Keep your POS.
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. With strong contribution, potential rebate up to $200. Actuals vary.
Gross fee (0.5%)
$250
Potential rebate
up to $200
Own the rails you run on.
Founding partners receive enhanced multipliers and lifetime recognition.
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?
Under the hood we use efficient stable rails. You don’t manage crypto; you receive dollars to your bank.
What about chargebacks?
Authenticated, tap‑based flows reduce disputes. We provide tooling and support for quick resolution.