Discovery
We review your business needs, your users and the regulatory requirements you have to meet.
TOKE provides merchants a faster, more flexible way to accept digital payments in store and online, and to do it at a fraction of your current cost, while giving you immediate access to your funds.
Customers scan or tap to pay, then choose settlement options designed around your business and cash-flow needs.
Processing fees from 1.59%
Keep payment costs lower and more predictable with clear processing fees on every sale.
~6 second Settlement
Get faster access to funds with settlement completed in around six seconds per payment.
Save up to ~70%
Lower your processing costs by up to ~70% compared with certain traditional providers.
No monthly fees
Pay only when you process transactions, with no recurring monthly account fees to manage.
No hidden fees or holdbacks
See your costs clearly upfront and know when funds are ready without hidden fees or holdbacks.
Flexible fee options
Choose how transaction fees are shared between your business and customers based on your setup.
Apply
Complete a straightforward merchant application.Accept
Customers scan a QR code or tap to pay.Settle
Choose from available settlement options for your business.B2B & Infrastructure
TOKE helps businesses, financial institutions, and innovators launch and manage cryptocurrency products without building blockchain infrastructure from scratch.
Multiple types of businesses run on TOKE today, each with a different reason for being here and the same underlying infrastructure.
Brands & Retailers
Launch loyalty tokens, accept crypto payments and reach new customers without added operational complexity.
Banks & Credit Unions
Offer branded crypto services, stablecoins, and digital asset custody with built-in compliance.
Fintechs & Providers
Add crypto payments and settlement to your product using ready-to-integrate APIs and branded wallets.
Marketplaces & DAOs
Build token economies, manage treasuries and enable instant peer-to-peer payments.
AI & Agent Platforms
Use the Machine Payments Protocol and x402 to enable payments between autonomous agents and merchants.
Startups & Innovators
Get support with token design, launch and liquidity so you can enter the market faster.
Our services
Multiple services one integrated stack
Take the whole platform or the single piece you are missing. Every service shares the same APIs, custody model and compliance framework.
01 — Tokens & wallets
Issue & hold
Token Issuance & Launch
Create and launch ERC-20 utility tokens, branded stablecoins, loyalty tokens and reward assets, supported by compliance and liquidity planning.
- ERC-20
- Stablecoins
- Loyalty & rewards
Branded Wallets
Launch your own branded wallet in weeks, with passkey onboarding in around 20 seconds, MPC security and multi-asset support.
- Passkey onboarding
- MPC security
- Multi-asset
02 — Payments
Accept & settle
Merchant Crypto Payments
Accept crypto through QR codes, Tap-to-Pay and existing point-of-sale systems, with access to more than 160 million terminals and instant fiat settlement.
- QR & Tap-to-Pay
- 160M+ terminals
- Instant fiat
Payments & Settlement
Accept and settle in TOKE, Bitcoin, Ethereum, Solana and major stablecoins. Instant on-ramps and off-ramps let you operate in your preferred currency.
- Multi-chain
- On/off-ramps
- Instant settlement
03 — Agents & compliance
Automate & comply
Machine Payments & x402
Enable automatic agent-to-agent and agent-to-merchant payments for the growing AI economy.
- x402
- Agent-to-agent
- MPP
Compliance & Custody
GENIUS Act-aligned frameworks, KYC and AML integrations, key management and custody built for regulated businesses and financial institutions.
- GENIUS Act
- KYC / AML
- Custody
04 — Capital & code
Fund & build
Treasury & Liquidity
Manage liquidity pools, market-making partnerships and stablecoin conversions for on-chain operations at any scale.
- Liquidity pools
- Market making
- Conversions
Developer APIs & SDKs
Add payments, wallets and token issuance to your product through REST APIs, webhooks and ready-to-use SDKs.
- REST APIs
- Webhooks
- SDKs
A multi-stage engagement, with our team alongside yours at every stage rather than a hand-off at the end.
Design
We develop the token model, wallet experience, settlement process and compliance framework with your team.
Integration
Our engineers help connect TOKE's APIs, SDKs and white-label tools to your product.
Launch
We support liquidity, merchant onboarding and go-to-market execution for a complete launch.
Ongoing Support
Infrastructure, monitoring, compliance updates and growth support as your programme expands.
Frequently Asked Questions
Open your TOKE Wallet, go to your profile or account settings, and select Become a Merchant. Fill out the merchant application with your business details and submit it for verification. The form should take about 5 minutes to complete.
Business verification typically takes within 24 hours, provided you submit all required business information correctly. Once approved, your account will show a verified merchant status.
Customers can pay using a unique payment link, QR code, or Tap-to-Pay. Simply create a payment request, send the link or display the QR code, and your customer can open it and approve the payment from their wallet.
TOKE payments are designed for near-instant settlement. Transactions can settle in approximately 6 seconds, giving merchants faster access to their funds without traditional card-processing settlement delays.
TOKE Merchant transaction fees can be as low as 1.59%. You can choose how the fee is handled for each terminal: absorb the fee, pass it to the customer, or split it with the customer.
TOKE Merchant allows you to create payment requests using TOKE or USDC. You can enter the payment amount in USD or as a specific amount of the selected token.
Yes. You can enable partial payments for a terminal. For example, a customer paying a $200 invoice could pay $100 from one wallet and the remaining $100 from another. TOKE automatically tracks the amount paid and the remaining balance.
Yes. Verified merchants can use API keys, webhooks, payment links, callback URLs, and developer integrations to connect TOKE Merchant with websites, mobile apps, checkout systems, point-of-sale systems, and other business software.
TOKE Network payments do not use the traditional card chargeback model. Merchants can still manage refunds through TOKE Merchant and choose whether refund requests require manual approval or can be processed automatically.
Yes. TOKE's Agentic APIs allow businesses to place an API behind a pay-per-use USDC payment wall. Compatible AI agents, applications, and scripts can automatically pay for API access using supported machine-payment protocols, with payments settling directly to the merchant.