Terminals
In-store payments at every till.
Give each till its own terminal, organised by branch. Customers scan and pay from any wallet, and the people you choose hear about it on WhatsApp or email.
Non-custodial payments and treasury
Financial infrastructure for the digital dollar economy.
Accept stablecoins at every till, invoice and checkout. Route each payment to the bank or treasury you choose, with approvals, reporting and intelligence built in. Non-custodial by design.
0.8% to collectNo setup feeSettle to accounts you own
Arrivals
Payments landing in Lagos, Accra, Nairobi and JohannesburgSettlingPaid out to the business
Illustrative board. Sample payments, not live data.
Working with
At a glance
Four numbers we stand behind.
An address for every payment, 4 markets to settle in, nothing held on your behalf and one rate to collect.
1
Address for every payment
Each checkout, invoice and payment link payment arrives on an address of its own, so it reconciles to exactly one record.
4
Markets you can settle to in local currency
NigeriaGhanaKenyaSouth Africa
0
Balances held by ChainPal
Non-custodial by design. Funds route from a dedicated address to accounts you own.
0.8%
To collect, on every channel
No setup fee. Moving stablecoins to wallets you own costs nothing.
01 The console
Real-time visibility across every rail.
Collections, payouts, approvals and reporting in one console. Watch every till, invoice and checkout settle the moment it happens, across every branch you run.
Live Sunday 11 October
Good morning, Amaka
₦312.4M collected all time · 1,284 customers
Collected Last 30 days
₦48,250,000.00
12.4%on the 30 days before
Paid out to you Last 30 days
₦45,875,000.00
11.8%on the 30 days before
On its way to you Now
₦2,375,000.00
Confirmed, being paid out now
Live payments Live
Every payment settles straight to your account.How money moves
Collections
₦144.42Mcollected in the last 3 months
By channel Last 30 days
Illustrative. Harbourview Markets Ltd is a sample business, not a customer.
The sidebar works: each item takes you to that product below.
One feed for every channel
Terminals, invoices, payment links and checkout in a single live view, each payment matched to its record.
Approvals before money moves
Require a second person for the decisions that matter. Switching a control on takes one click; switching it off takes a colleague.
Roles for every teammate
Owner, Admin, Treasurer, Operator, Analyst and Auditor, with any single power withheld from a member when you need to.
Statements your auditors can open
Monthly or tax-year statements as PDF or Excel, and every payment as a CSV with its reference and transaction hash.
02 Get paid
Accept digital dollars wherever you sell.
In store, on an invoice, through a link or inside your own product. Four ways to collect, and one set of rules for where every payment settles.
Invoices
Invoices with payment built in.
Send an invoice your customer settles in stablecoins and track it to paid, part payments included. Overpayments become credit on the next invoice.
Payment links
A pay page for anything you sell.
Create a link once and share it anywhere, from WhatsApp to your storefront. Every payment through it settles to your account.
Checkout
Checkout inside your own product.
Create a checkout session from your server and send your customer to it. Your systems hear the result through signed webhooks.
Screens show sample data for Harbourview Markets Ltd, a fictional Lagos supermarket chain. Illustrative only.
03 How money moves
Non-custodial by design.
Every transaction is routed per your preference. A payment arrives at an address created for it alone, then moves straight on to the bank or treasury you own. No pooled balance, and no float held by us.
One payment, start to finish Illustrative
Your customer
Pays invoice INV-1041
1,475.66 USDT on Polygon
Sent from any wallet or exchange
One-time address
0x7f3a…c21e
Created for this payment and nothing else
Seen and confirmed on the network
Paid out
Your account
Naira account ending 4521
In naira, to an account in your business’s name
Settled to you
No ChainPal balance in between. Nothing waits with us.
How payouts workA unique address per payment
Each checkout, invoice and payment link payment gets an address of its own, so every payment arrives already matched to its record.
Settlement to accounts you own
Your bank account in local currency, or a treasury Safe your business controls with its own passkeys.
Routing rules per product
Send till takings to one account and invoice payments to another. Change one route without touching the rest.
04 Move money
Treasury and payouts, on your terms.
Route payouts per product, keep a treasury your team controls, pay contractors across borders and price large conversions with a desk that trades with you directly.
Payouts
Route every product to the right account.
Point each product at its own destination: naira to your bank, stablecoins to your treasury or to a wallet you hold. ChainPal reviews every destination before money can reach it.
Treasury
A treasury your team controls.
A Safe owned by your business’s passkeys, with no seed phrase and no key held by ChainPal. A colleague approves every withdrawal before a passkey signs it, and ChainPal pays the gas.
Payroll
Cross-border payroll in a single run.
Pay every contractor in one run, in stablecoins, to their bank or by mobile money. Contractors add their own payout details, and the run is approved before it moves.
OTC desk
Firm prices from a desk that trades with you.
ChainPal is your counterparty. Smaller trades are priced instantly and the quote is firm for 10 minutes. Larger trades are priced by a dealer and the quote is firm for 30.
Screens show sample data. Illustrative only.
05 Solutions
Built for how you operate.
Whether you run tills across a city, close the books for a group or build payments into your own product, ChainPal fits the way your money already moves.
Retail and supermarkets
Every till, every branch, one view.
Give each till a terminal, watch takings land by branch and settle them to the account you choose.
- Terminals grouped by branch and till
- Supervisors told on WhatsApp or email
- Figures for every till, always current
Finance teams
Approvals and records that reconcile.
Every payment arrives matched to its invoice, till or link, and every withdrawal waits for a colleague’s approval.
- A colleague approves every withdrawal
- A settlement route for each product
- Statements and payment exports for audit
Platforms and developers
Payments inside your product.
Create checkout sessions from your server, hear back through signed webhooks and build safely against testnets.
- A hosted checkout from one API call
- HMAC-signed webhooks
- Test and live keys, testnets included
06 Developers
Start with a single request.
Create a hosted checkout from your server with a publishable key, send your customer to the page it returns, then verify the payment with your secret key. The checkout handles the coin, the network and the one-time address.
- Signed webhooks
payment.received,payment.completedandpayment.failed, signed with HMAC-SHA256 inX-ChainPal-Signatureand retried up to 7 times over about 31 hours. - Test and live keysA publishable and a secret key for each, shown once and stored only as a hash. Test mode runs on Base Sepolia and Celo Sepolia.
- IP allowlistLimit your secret keys to the servers you name, up to three addresses.
POST/api/v1/payments
curl -X POST https://api.chainpal.org/api/v1/payments \
-H "Authorization: Bearer cp_pk_test_..." \
-H "Content-Type: application/json" \
-d '{
"amount": 125000,
"customerEmail": "chidi.okafor@mail.example",
"reference": "ORDER10482",
"callbackURL": "https://harbourview.example/paid",
"failureURL": "https://harbourview.example/retry",
"metadata": { "branch": "lekki" }
}'200Response
{
"success": true,
"message": "payment initialized successfully",
"data": {
"paymentId": "...",
"paymentURL": "https://pay.chainpal.org/c/..."
}
}GET /api/v1/payments/:paymentId/verifyReady to verify with your secret key07 Intelligence
Answers you can audit.
Aria reads across your payments, tills and invoices and answers in plain language. Every figure links to the records behind it, and when there is no source, Aria says so instead of guessing.
Aria
Every number links to its records
Every number links to its records
Which till took the most last month?
Lekki branch, till 2 took the most in September: ₦2,486,300.00 from 46 payments, ahead of Ikeja branch, till 1.
From
And card sales at Lekki?
I can’t tell you that. Card sales don’t come through ChainPal, so I have no records to work from, and I won’t guess a figure.
No source, so no numberEvidence46 records
Payments at Lekki till 2, September
| When | Coin | Amount |
|---|---|---|
| Wed 30 Sep, 18:42 | USDT · Polygon | ₦61,597.13 |
| Wed 30 Sep, 17:10 | USDC · Base | ₦18,450.00 |
| Tue 29 Sep, 12:31 | USDT · Celo | ₦42,900.00 |
| Sun 27 Sep, 19:05 | USDT · BNB Chain | ₦6,200.00 |
| Sat 26 Sep, 13:48 | USDC · Celo | ₦11,350.00 |
and 41 more payments
Evidence1 record
Lekki branch, till 2
Branch Lekki
Payments in September 46
Collected in September ₦2,486,300.00
Settles to Bank ••4821
Evidence1 report
Takings per terminal, September
Lekki branch, till 2 ₦2,486,300.00
Ikeja branch, till 1 ₦1,902,450.00
Lekki branch, till 4 ₦1,377,900.00
- Evidence on every figureTap a chip to see the payments, tills or periods a number came from.
- No source, no numberIf the records are not in ChainPal, Aria tells you rather than estimating.
- Read-only by designAria answers from your own records, such as revenue, outstanding invoices and takings per terminal. It cannot move money or change a setting.
Sample conversation with illustrative records.
08 Security and control
Control stays with your team.
Security starts with what we never hold. Everything else is designed so that your people, not ChainPal, decide where money goes and who can move it.
Treasuries owned by your passkeys
Your treasury is a Safe owned by your business’s passkeys: no seed phrase, and ChainPal never holds a key. Every withdrawal is requested, approved by a colleague who is never the requester, then signed with a passkey. ChainPal’s relayer submits it and pays the gas.
Single-use addresses
Each checkout, invoice and payment link payment gets its own address, so funds never pool and every payment traces to one record.
Routing rules per product
Choose where each product settles. Only payout accounts that have passed review can receive funds.
Verified businesses
Every business completes verification (KYB) before it can take payments on ChainPal.
Test and live, kept apart
Separate keys, testnet coins and test terminals. Nothing done in test mode can touch live money.
Roles that fit the job
Owner, Admin, Treasurer, Operator, Analyst and Auditor. Withhold any single power from a member, and auditor access ends on the date you set.
Approval policies
Require a colleague for treasury, withdrawals and team changes. Switching a policy off needs a colleague’s agreement too.
Two-factor sign-in
Protect every login with an authenticator app.
A pause on new destinations
A business with a single controller waits 24 hours before a new payout destination can be used.
09 Coverage
Collect globally. Settle locally.
Customers pay in USDC and USDT on the network they already use. You settle in local currency in Nigeria, Ghana, Kenya and South Africa, to an account in your business’s name.
Get paid on
4 networks
- BaseUSDC · USDTAccepting
- BNB ChainUSDC · USDTAccepting
- CeloUSDC · USDTAccepting
- PolygonUSDC · USDTAccepting
- More networks are on the way.
Every checkout and terminal shows customers exactly which networks it accepts, so payments arrive on the right one.
Settle to
4 markets
- NGNNigerian nairaCustomers pay USDC and USDT on Base, BNB Chain, Celo and PolygonNigeria
- GHSGhanaian cediCustomers pay USDC and USDT on Base, Celo and PolygonGhana
- KESKenyan shillingCustomers pay USDC and USDT on Base, Celo and PolygonKenya
- ZARSouth African randCustomers pay USDT on BNB ChainSouth Africa
- More markets are on the way.
Bank payouts settle in local currency, to an account in your business’s name. In every market, stablecoins can also settle to your treasury or a wallet you hold, at 0%.
Trade on the OTC desk
USDC and USDT, both directions
NGNNigerian naira
KESKenyan shilling
GHSGhanaian cedi
ZARSouth African rand
USDUS dollar
ChainPal is the counterparty on every trade. Instant quotes are firm for 10 minutes and dealer-priced quotes for 30. Access is by application, once your business is verified.
10 Pricing
One rate to collect. Nothing to start.
Transparent pricing on every product, with no setup fee and no charge for moving stablecoins to wallets you own.
CollectionsCheckout, payment links, invoices and terminals
0.8%Bank payoutsTo your own bank account, in local currency
0.8%PayrollContractors paid in stablecoins, to their bank or by mobile money
0.8%Crypto payoutsTo wallets and Safes your business owns
0%OTC deskPriced by ChainPal as your counterparty
Quoted per tradeSetup feeNothing to pay before your first payment
None11 Questions
Questions, answered.
Anything else, write to help@chainpal.org and a person will answer.
Does ChainPal ever hold our money?
No. ChainPal is non-custodial. Each payment lands on an address created for it and moves straight on to the destination you set for that product: your bank in local currency, or a treasury Safe your business controls.
Which stablecoins and networks can our customers pay with?
USDC and USDT, on Base, BNB Chain, Celo and Polygon. Which of them your customers can use depends on your market, and every checkout and terminal shows exactly which networks it accepts. More networks are on the way.
Where can we settle, and in what currency?
Bank payouts settle in local currency in Nigeria, Ghana, Kenya and South Africa (NGN, GHS, KES and ZAR), to an account in your business’s name. Stablecoins can also settle to your treasury or a wallet you hold. Each product can settle to a different destination.
How do Terminals work across our branches?
Each till gets its own terminal, named by branch and till. Print its poster, and customers scan and pay from any wallet or exchange app. The people you choose are told by email or WhatsApp, and takings settle to the account you set for Terminals.
How does the OTC desk price a trade?
ChainPal is the counterparty, so you ask us for a price. Smaller trades are priced instantly and the quote is firm for 10 minutes; larger trades are priced by a dealer and the quote is firm for 30 minutes. The desk trades USDC and USDT against NGN, KES, GHS, ZAR and USD, in both directions.
How do treasury approvals work?
Your treasury is a Safe owned by your business’s passkeys, with no seed phrase. A withdrawal is requested, approved by a colleague (never the person who asked for it), then signed with a passkey, and ChainPal’s relayer submits it and pays the gas. Extra passkeys are there for recovery.
Can we test before going live?
Yes. Test mode has its own keys and runs on Base Sepolia and Celo Sepolia, test terminals watch testnets only, and test payments settle to wallets, never to a bank. Nothing you do in test mode touches live money.
What does Aria do when it cannot find an answer?
It says so. Every figure Aria gives links to the records it came from. If something is not in your ChainPal records, such as card sales, Aria tells you rather than guessing.
Open for business
Build on rails you control.
Open an account, choose where each product settles and take your first payment in digital dollars. No setup fee, and no balance held on your behalf.