For Merchants

Accept Bitcoin.
Keep 100% of the Sale.

No chargebacks on bitcoin. No foreign transaction fees. No middlemen holding your money for days. Bitcoin on-chain (early access) or over Lightning goes directly to your wallet, and Lightning settles in seconds.

Start Free See the POS
Non-custodial
Lightning settles in seconds
No chargebacks on bitcoin
Free tier, forever. Verify only when you scale.

Traditional Payments Cost You Money

Every card swipe takes a cut. Every chargeback takes more.

The Card Payment Problem

2.5-3.5% processing fees Every transaction, Visa, Mastercard, and your processor take their cut. Foreign cards cost even more.
Chargebacks & disputes A customer disputes a charge and you lose the product, the revenue, and pay a $15-25 penalty fee on top.
2-5 day settlement Your money sits in someone else's account for days. Cash flow problems hit hardest when business is good.
Fraud & stolen cards When a stolen card is used at your business, the real cardholder disputes and you eat the cost.

The Lightning Solution

Near-zero fees Lightning network fees are fractions of a penny. Keep what you earn.
Zero chargebacks Lightning payments are final and irreversible. Once paid, it's yours. No disputes, no penalties.
Instant settlement Funds hit your wallet the moment the customer pays. Seconds, not days. Reinvest immediately.
No fraud risk Customers scan a one-time QR code. No card numbers, no magnetic strips, no reusable credentials.

The On-chain Option (early access)

Straight to your wallet Each payment goes to a fresh address derived from your watch-only key. SatsRail can see it, never spend it.
Zero chargebacks On-chain payments are final and irreversible once confirmed (about 10 minutes per confirmation; each wallet asks 1, 2, 3 or 6). No disputes, no penalties.
Odd payments wait for you A payment up to a day late still pays if it is worth the order's price; any other late or wrong-amount payment shows up as waiting for your decision. Offered at checkout above your minimum.
No SatsRail fee 0% per payment, same plans. Your customer pays the on-chain network fee.

How It Works

Faster than tapping a credit card

1

Set Up Your Products

Sign up, add your products with prices in your local currency, and connect your Lightning wallet, then add an on-chain wallet if you want it (early access). Takes about 5 minutes.

2

Show the QR Code

Open our Lightweight POS on any device, tap the product, and a Lightning QR code appears. Or embed our checkout widget on your website, where customers can also pay on-chain.

3

Customer Scans, You Get Paid

Customer scans the QR with any Lightning wallet and payment settles in seconds directly to your wallet. Paying on-chain instead? It's final once confirmed. Done.

Featured Use Case

Travel & Tourism

Where Lightning payments make the biggest difference

For Tourists

No card numbers to skim. No foreign transaction fees. Scan a QR code instead of swiping a magnetic strip.

No card data exposed — scan a QR code, not a magnetic strip
Zero foreign transaction fees — Bitcoin has no borders
Better than cash — no theft risk, no bad exchange rates
Works everywhere — same wallet in Mexico, Thailand, or Prague

For Merchants

Open our Lightweight POS on a tablet at the counter. Tap a product, show a QR code, get paid in seconds on Lightning, directly to your wallet.

Zero chargebacks — Lightning payments are final and irreversible; on-chain, once confirmed
No foreign card fees — save 1-2% per tourist transaction
Fast settlement — on Lightning, cash flow in seconds, not days
No fraud risk — no stolen card numbers, no disputes

The Numbers Don't Lie

What Merchants Save

Eliminate processing fees

Credit card processing: 2.5-3.5% per transaction
Lightning payment: network fee only (~$0.01); on-chain, the customer pays the network fee
On $50K/month: Save $1,250-1,750/month

Zero chargeback losses

Average merchant loses 1-2% of revenue to chargebacks. Tourist and online businesses face even higher dispute rates.

Fast cash flow

No 2-5 day settlement wait. On Lightning, funds hit your wallet the moment the customer pays; on-chain, once confirmed. Reinvest right away.

Example: Beachside Restaurant in Tulum

Tourist's dinner tab: $80 USD
Foreign card processing (3.5%): -$2.80
Chargeback risk (1.5% avg): -$1.20
Settlement: 3-5 days
Merchant receives: $76.00
With Lightning: $80 USD
Network fee: ~$0.01
Chargeback risk: $0
Settlement: Seconds
Merchant receives:
~$80.00
Saved per transaction: $4.00 + settlement in seconds

Built for Every Business

From storefronts to online stores

Travel & Tourism

Tourists pay safe. Merchants settle in seconds on Lightning. No foreign card fees, no chargebacks, no skimming risk.

Restaurants & Bars

QR code at the table. Customer scans, pays, tips included. No terminal fees, settlement in seconds on Lightning.

E-commerce

One line of code. Embed our checkout widget and accept on-chain (early access) or Lightning payments on any website.

Convenience Stores

High-volume, low-margin businesses save the most when processing fees drop to near zero.

International Payments

Accept payments from any country without cross-border fees. Bitcoin doesn't care about borders.

High-Risk Merchants

Industries that traditional processors won't serve. Bitcoin doesn't discriminate.

Our Lightweight POS

A Tablet on the Counter.
That's the Whole Setup.

Our Lightweight POS turns any browser into a point-of-sale terminal. No hardware to buy, no app to install, no merchant account to apply for.

Prices in Local Currency Set prices in USD, EUR, MXN, or any fiat. Our Lightweight POS converts to sats at checkout automatically.
Works on Any Device iPad, Android tablet, phone, laptop. If it has a browser, it runs our Lightweight POS.
Staff Learn It in 60 Seconds Tap product, show QR, get paid. High staff turnover? No problem. Training is instant.
Explore Our Lightweight POS

Credit Card vs Lightning

Credit Card

2.5-3.5% fee

Chargeback risk

2-5 day settle

Fraud risk

Lightning

~$0 fee

No chargebacks

Instant settle

No data exposed

Common Questions

A device with a browser and a Lightning wallet. Sign up for SatsRail, add your products, connect your wallet (add an on-chain wallet too, in early access), and open our Lightweight POS. Takes about 5 minutes. No merchant account application, no hardware to buy, no contracts.

No, if you connect a card processor: with Pro (coming soon), customers who can't pay in bitcoin pay by card at the same checkout, into your own processor account, and bitcoin stays the default. To pay in bitcoin, they don't need to own it in advance: apps like Strike let anyone buy bitcoin instantly with a debit card and spend it over Lightning in seconds or send it on-chain. No crypto knowledge needed. Many customers already use these apps.

Yes. With Pro (coming soon), connect your own card processor and card sits beside bitcoin at checkout, on payment links, in the storefront and in our Lightweight POS. Card payments go to your processor account, with no SatsRail fee; your processor's normal fees apply. The POS takes Lightning and card, not on-chain. Or keep your existing card terminal for customers who prefer cards. Every sale paid in bitcoin, on Lightning or on-chain, instead of by credit card saves you money.

No. SatsRail is fully non-custodial. Lightning payments go directly from your customer to your wallet through your Lightning Address; on-chain payments (early access) go to a fresh address derived from your watch-only key. Card payments, if you connect your own processor, go to your processor account. We never touch your funds: we can see payments, never spend them.

The free plan is permanent: $0/mo up to —/mo in bitcoin payments, no verification needed to test. Above that, Starter is a flat —/mo with no cap, and Pro —/mo (coming soon); paid plans include business verification (KYB) — never a percentage. We verify the business, not the industry — see how compliance works. No transaction fees from SatsRail, on Lightning or on-chain. Lightning network fees are fractions of a penny; on-chain, your customer pays the network fee. See our pricing page for plan details.

You receive Bitcoin directly to your wallet. If you want to convert to fiat, you can use any Bitcoin exchange that supports Lightning or on-chain deposits. Many merchants choose to hold some Bitcoin and convert some to fiat as needed.

Yes, in early access. Add an on-chain wallet with a watch-only key (an xpub) and SatsRail derives a fresh address for each payment, so the money goes straight to your own wallet. SatsRail can see payments but never spend them. On-chain is offered at checkout for orders above your minimum (20 in your currency by default), on bc1q and bc1p addresses only. A payment seen within 15 minutes of the quote is honored at the quoted amount, and it is final once confirmed: about 10 minutes per confirmation, and each wallet asks for 1, 2, 3 or 6. A payment up to a day late still pays its order if it is worth the order's price; other late or wrong-amount payments wait for your decision. There is no per-payment fee from SatsRail; your customer pays the network fee. You can use a Lightning wallet, an on-chain wallet, or both.

What SatsRail can never do:

  • Access your private keys
  • Hold or freeze your funds
  • Reverse a payment
  • Delay your settlement

Not policy. Architecture. Non-custodial means there's nothing to seize.

Bitcoin

Stop Losing Money on
Every Transaction.

Zero chargebacks on bitcoin. Near-zero fees. Settles in seconds on Lightning. Non-custodial. Set up in 5 minutes.

Start Free Talk to Sales

5 minute setup • No hardware needed • Free up to —/mo • Non-custodial

Start Free — no credit card