Global E-Commerce & Web Stores
Replace legacy credit card processors and eliminate 3.5% interchange fees and chargeback fraud. Accept global fiat and crypto payments that settle directly into Circle Native USDC in seconds.
- Instant Settlement: Settle within 1.8 seconds directly into your non-custodial smart account.
- No Rolling Reserves: OwnPay never holds your money or locks funds in multi-month reserves.
- Shopify & WooCommerce Ready: Simple drop-in plugins or lightweight JavaScript checkout SDK.
Physical Point-of-Sale (POS)
Equip in-store cashiers and pop-up retail counters with instant dynamic QR code terminals. Customers scan and pay using Coinbase Smart Wallet, MetaMask, or Apple Pay with zero hardware leases.
- No Hardware Leases: Run directly on any iPad, Android tablet, phone, or desktop browser.
- Zero Chargeback Risk: Payments confirmed onchain have irreversible finality, eliminating payment dispute chargebacks.
- Multi-Currency Local Display: Bill in USD, EUR, GBP, BDT, INR with automated USDC conversion.
Autonomous AI Agents & HTTP 402
Enable AI agents to programmatically pay for compute, web scraping, private APIs, and research data via native HTTP 402 Paywall headers and 10 Model Context Protocol (MCP) tools.
- HTTP 402 Native: Server returns 402 Payment Required; agent signs and settles in sub-second cycles.
- 3-Tier Spending Policies: Hard spending caps per call, per hour, and per domain prevent runaway AI budgets.
- MCP Server Tools: Integrated with Cursor, Windsurf, Claude Desktop, and LangChain agents.
Cross-Border Freelancer & Creator Payouts
Pay international contractors, remote developers, and content creators globally without losing $25-$50 in wire transfer fees, intermediary bank delays, or unfavorable exchange rate markups.
- Under 2-Second Global Delivery: Funds arrive in the contractor's wallet instantly 24/7/365.
- Sub-Cent Gas Overhead: Network transaction fee is less than $0.0005 on Base L2.
- Clean Accounting Records: Export cryptographic onchain transaction hashes and webhook audit logs.
Sub-Cent API & Content Micropayments
Monetize digital articles, database lookups, AI model inferences, and music streaming on a true pay-as-you-go basis ($0.005 - $0.25) that legacy credit cards simply cannot process economically.
- Break Free from 30¢ Flat Minimums: Legacy processors take 30¢ + 3%; OwnPay makes $0.01 viable.
- No User Subscriptions: Consumers pay only for what they consume, eliminating subscription fatigue.
- ERC-4337 Session Keys: One-time user authorization allows recurring sub-cent streaming deductions.
Web3 Gaming & Virtual Economies
Integrate friction-free in-game purchases, item trades, and tournament prize pools. Passkey smart accounts allow mainstream gamers to participate without writing down seed phrases.
- Passkey & Social Login: Players authenticate seamlessly via FaceID, TouchID, or Google.
- Gasless Player Experience: Sponsoring paymasters can subsidize gas fees completely.
- Real-Time Game State Webhooks: Immediate delivery of in-game inventory upon settlement.