Decal enables businesses to accept stablecoin payments through their existing point-of-sale systems, offering instant settlement and significantly lower fees compared to traditional card processing. The platform integrates with Square devices and provides a familiar web checkout experience that requires no customer signups or downloads. Decal also supports stored value and loyalty rewards to help merchants increase customer retention and average order sizes.
Funding
Funding not disclosed
Founders
Product
Problem
Traditional card payment processors charge high network fees and delay settlement for days, reducing merchant revenue and slowing access to funds. Businesses also face limited options for integrating modern payment methods without replacing their existing point-of-sale infrastructure.
Solution
Decal provides a stablecoin payment platform that works with a merchant's existing point-of-sale system, enabling them to accept crypto payments without new hardware or workflow changes. Customers scan a QR code and complete payment through a familiar web checkout, eliminating the need for signups or downloads. Transactions settle instantly in stablecoins, giving businesses immediate access to funds while paying only a fraction of typical card processing fees. The platform also includes stored value and loyalty features that help merchants drive repeat visits and larger purchases without relying on deeper discounts.
Target Audience
Primary customers are local merchants and growing brands that use Square point-of-sale systems and want to reduce payment processing costs while offering modern, fast settlement options to their customers.
Features
- Instant settlement in seconds using stablecoin infrastructure, with no payout windows or bank cutoffs
- Lower transaction fees compared to traditional card networks, preserving more revenue per sale
- Seamless integration with all Square devices, with additional POS system integrations planned
- Camera-based QR checkout flow that requires no customer signups, downloads, or learning curve
- Stored value and rewards capabilities that increase customer lifetime value and average order sizes
- 24x7 settlement availability, eliminating delays from bank processing hours or holidays