Payments with buyer protection

Get paid. Your buyer is protected. You can't be charged back.

A payment request in a few clicks, or put a checkout on your site in ten minutes. The money waits in escrow until the payout date; nothing can pull it back out.

1% flat feeNo vettingPut a checkout on your site in 10 minutesOpen source
An escrow, liveplaying
01Create
02Fund
03Release

Seller

Sets $1,200 and a payout date 14 days out.

Contract balance$0.00
Seller walletβ€”

The buyer can dispute before day 14 and freeze the funds. After that, nothing can.

How it works

Three steps. Point at one for the detail.

Create

Seller sets an amount and a payout date β€” typically a day after expected delivery, so the buyer has time to check the goods.

01

Create

Seller sets an amount and a payout date β€” typically a day after expected delivery, so the buyer has time to check the goods.

02

Fund

Buyer pays into a smart contract. Funds are locked β€” neither party can touch them until the payout date.

03

Release

On the payout date, seller gets paid automatically. If something went wrong, buyer can raise a dispute before that date to freeze the funds.

Live demo

See what your customers see.

This opens the actual checkout β€” the same experience your customers get when they click β€œPay” on your site. Under it, the estimator.

Watch video insteadCalculate savings

Pay $0.001 USDC (try for free)

Basic Product β€” One-time PaymentUSDC

$0.001

Held in escrow until the payout date. Dispute before then to freeze it.

Sign in with Google or email Β· gas covered

Estimate a payment1 USDC = 1 USD
Our fee25.00 USDC1%
Card processor would take72.802.9% + $0.30
You keep+47.80 more
Need it today? Sell the payment earlyindicative, at ~7.65% a year for 14 days
β‰ˆ 2,467.74
ArrivesIn seconds, on the payout date
Request this payment

Fee comes out of the amount funded; the buyer pays exactly what you ask. Below $30 the $0.30 floor applies. Early-sale figure is an estimate; the liquidity marketplace prices each offer.

For merchants

Everything a processor takes, you keep.

No chargebacks

Disputes are negotiated between buyer and seller. No chargeback fees, no limits, no penalties on your account.

01

No chargebacks

Disputes are negotiated between buyer and seller. No chargeback fees, no limits, no penalties on your account.

02

No floats

Your money is never held by a payment processor. Funds go straight from escrow to your wallet on the payout date.

03

No freezes

Transactions run on smart contracts. They execute even if our servers go down β€” nobody can freeze your funds.

04

No vetting

No KYC, no KYB, no applications, no approval process. Install and start accepting payments immediately.

05

Put a checkout on your site in 10 minutes

WordPress plugin, Shopify plugin, or one line of JavaScript. No admin approval needed. A one-off payment request takes a few clicks.

06

Significant savings

1% flat fee vs. 1.5-3.5% + monthly fees + chargeback fees + float costs with traditional processors.

For buyers

Pay, and actually be protected.

Buyer protection on every payment

Funds are held in escrow until a pre-agreed date. If something goes wrong, raise a dispute before payout to freeze the funds. Works on P2P payments too.

01

Buyer protection on every payment

Funds are held in escrow until a pre-agreed date. If something goes wrong, raise a dispute before payout to freeze the funds. Works on P2P payments too.

02

Gas-free transactions

You don't need to hold ETH or any native coin. The system covers gas fees in the background.

03

Automatic network and wallet

No choosing networks, no copying wallet addresses. Sign in with Google or email and pay. The system handles the rest.

04

Non-custodial

The smart contract holds funds β€” they can only go to buyer or seller. Nobody else can touch them, not even us.

For AI agents

Let an agent pay for you. Keep the veto.

Pay an email address

Name the seller, or whoever may dispute, by email. The agent never needs to know a wallet address.

01

Pay an email address

Name the seller, or whoever may dispute, by email. The agent never needs to know a wallet address.

02

The server holds no key

It is handed a signed authorisation or the funds land at the address directly. An agent can no more move your money than a stranger can.

03

A person keeps the veto

Only the named buyer can dispute. Not the agent that paid, not whoever holds the receipt.

04

Signed receipt

Every settlement returns an AP2 receipt that anyone can verify, naming the payout and the fee.

05

No credential required

Streamable HTTP, no API key, no sign-up. The escrow address is a pure function of its terms, so there is nothing to authenticate.

06

Discoverable

Listed in the official MCP registry and published at /.well-known/mcp.json, so agents can find it on their own.

Developers

Put it on your site in 20 mins.

A plugin for WordPress and Shopify, one script tag for everything else, and one URL for any AI agent.

Three lines. The SDK opens the checkout and tells your page when the payment lands.

htmlcopy & paste
<script src="https://conduit-ucpi.com/sdk/checkout.js"></script>

<button id="checkout-btn">Pay with USDC</button>

<script>
  ConduitCheckout.init({
    amount: 99.99,
    description: "Product Name",
    onSuccess: (txHash) => console.log("Paid:", txHash)
  });
</script>

Who it's for

Personal, business, platform.

Pick who you are and see how people like you use it.

From a first online store to a fifty-thousand-dollar invoice.

Online stores

A WordPress or Shopify plugin, or one script tag on any site. Checkout with buyer protection, no chargebacks.

For merchants

Startups paying contractors

Pay by email address, with a payout date the contractor can see. No bank onboarding for either side.

Request payment

B2B invoices, paid on day one

Your customer funds the invoice into escrow up front; you sell the claim for cash today and keep the tail.

Early payment

Enterprise and high-value work

Milestone escrow for complex projects, with an arbitration policy and a dispute window on every stage.

Projects

Works everywhere there is an email address

  • Countries where the local currency will not hold its value
  • Cross-border payments between friends and family
  • Startups and freelancers without a merchant account
  • Enterprise and high-value contracts with a dispute window
  • Large, complex infrastructure that needs open-source rails

Pricing

Traditional processor vs. Stabledrop, line by line.

1%

per transaction. Every other line is none.

Line itemTraditionalStabledrop
Processing fee1.5–3.5% + $0.301% ($0.30 minimum)
Setup costsGateway and PCI setupNone
Monthly fees$0–$30 plus PCI complianceNone
Chargeback fees$15–$25 eachNone
Merchant floats20–30% held in reserveNone
Minimum volumeMonthly minimumsNone
Vetting / KYBDays of applicationsNone
Settlement2–3 daysSeconds, on the payout date
TestingSandbox, separate keysFree: a real $0.001 payment

Get paid without a processor

No application, no reserve, no one between your customer and your wallet.

Keep every chargeback

A dispute freezes the funds; it never takes them back out of your account with a fee attached.

Sell to people who cannot pay by card

Anyone with an email address can pay from anywhere, in a currency that holds its value.

Put a checkout on your site in ten minutes

A plugin, one script tag, or one MCP URL β€” and a free $0.001 test before you commit.

Add a protected checkout to your store.

Ready-made plugins for the platforms you already sell on.

Explore plugins