Payment Processor · 1% All-In · No Hardware
ZAP processes payments using USDC digital dollars — a dollar-backed currency issued by Circle (NYSE: CRCL) and regulated under federal law. Customers scan a QR code, pay from their phone, and you get USD in your bank the same day. 1.0% per transaction, all-in. No hardware. No contract. No monthly fees.
Trusted tech: USDC by Circle (NYSE: CRCL) · Visa settlement on Solana · Regulated under GENIUS Act · $1.8T monthly volume
What ZAP Actually Is
ZAP is not a crypto exchange, not a loan app, not a wallet, and not a get-rich-quick scheme. Here's exactly what we are and aren't.
The Problem
2.35% of every sale. Every swipe. Every day. Every month. It never stops. For a restaurant doing $40K/month, that's $11,280 a year — handed to credit card companies. That's not a fee. That's a second rent payment you're making to Visa.
Revenue: FY2025/FY2026 earnings reports. Fees at 1.75% blended effective rate.
The Solution
ZAP replaces card processing with USDC digital dollar payments on Solana — the same infrastructure Visa, Circle, and Stripe already use.
Scans QR or taps in-app. Pays with USDC from their wallet. Takes seconds.
USDC transfers on Solana for $0.00025 gas. AI routes the lowest-cost path.
Auto-converts to dollars. Settles to your bank instantly.
Processing drops from 2.6% to 1.0%. No chargebacks. No hardware.
Full Transparency
No black boxes. No hidden fees. Here's exactly what happens for merchants and customers.
Create a free merchant account. Link your bank. We generate a QR code for your register — that's your new payment terminal.
Print it as a table tent or counter sign. Your staff says: "Save 5% by scanning the QR code." That's the entire script.
USDC (digital dollars) arrive in your account. Auto-converts to USD. Deposits to your bank the same day.
ZAP runs alongside Square, Toast, Clover — whatever you use. Cards still work. ZAP just adds a cheaper option.
Phantom or Coinbase Wallet from the App Store. Takes 1 minute. It's like Venmo for digital dollars.
Link your bank (free via ACH, takes 1-2 days first time) or use debit card (instant, 1.5% fee). Buy USDC — always worth exactly $1.00. Not Bitcoin. Doesn't fluctuate.
Scan the QR code, enter the amount, confirm. Done in 10 seconds. Faster than inserting a chip card.
Merchants pass their savings to you as a discount. A family saves $300-500/year on groceries and dining alone.
After the first load, most customers switch to free ACH. Every payment after that costs only $0.00025 in network fees.
Self-Serve Setup Guide
You don't need us in the room. Follow these steps from anywhere and you'll be live today.
Tell us your business name, type, and monthly card volume. We'll respond within 24 hours with your custom savings report and setup instructions.
Download Coinbase Wallet or Phantom (free, from the App Store). This is where customer payments arrive before auto-converting to your bank. We'll walk you through it on a call or you can follow our email guide.
Connect your business bank account through our payment partner. Every USDC payment auto-converts to USD and deposits same-day. You never need to manually sell anything.
We generate a unique QR code for your register and a payment link you can text/email to customers. Print the QR code as a counter sign or table tent.
The only script your team needs: "Scan this QR code to save 5% on your order." If a customer doesn't have a wallet, your staff can help them download one in 3 minutes — or they just pay with their card as usual.
Every digital dollar payment saves you 1.6% vs. your card processor. Track everything in your ZAP dashboard — transactions, savings, customer adoption. Need help? Call us anytime at (916) 408-2256.
Trust, Compliance & Security
This isn't Wild West crypto. Every component of ZAP is built on regulated, audited infrastructure with clear consumer protections.
Every USDC is backed 1:1 by cash and short-dated US Treasuries. Monthly attestations by Deloitte. Issued by Circle, a publicly traded company (NYSE: CRCL) with $75.3B in circulation.
Signed into law July 2025 — the first federal stablecoin framework. Requires reserve transparency, consumer protections, and issuer licensing. ZAP operates fully within this law.
All merchants and customers are identity-verified through our partner infrastructure (Circle, NowPayments). Every transaction is screened for anti-money-laundering (AML) and OFAC sanctions.
Every payment is recorded on a public blockchain — auditable, immutable, and verifiable. No hidden fees, no hidden transactions. Your accountant can verify every dollar.
ZAP never holds your funds. Payments flow directly from customer wallet to your merchant account and auto-convert to USD in your bank. We process transactions — we don't custody assets.
Direct phone, email, and live chat support from the ZAP team. Something go wrong? Call us. We answer. No chatbots, no ticket queues, no waiting 72 hours for a response.
Phone: (916) 408-2256 · Email: vincedang@nestinghomesolution.com
ZAP-generated QR codes are merchant-specific and amount-locked. Mis-sends are technically impossible through our system. If a customer manually sends to a wrong wallet, our support team traces the on-chain transaction and assists recovery.
One-click refund from your ZAP dashboard. USDC returns to the customer's wallet in under 60 seconds. No dispute process. No fees.
USDC is backed by cash and US Treasury securities held at regulated banks (BNY Mellon). In 10+ years, USDC has maintained its $1.00 peg. Circle is publicly traded (NYSE: CRCL) and federally regulated. This is not an algorithmic stablecoin.
ZAP monitors network health in real-time. If Solana experiences downtime, transactions queue and process when the network resumes (typically minutes). Card payments continue working as your fallback.
Refunds & Disputes
One of the biggest hidden costs for businesses is chargebacks — fraudulent disputes that cost merchants $125+ per incident. ZAP eliminates that entirely.
Average merchant loses $125+ per chargeback
$0 in dispute costs. Refunds settle instantly.
Because USDC payments are final on-chain, fraudulent chargebacks are impossible. Legitimate refunds are faster and cheaper than any card network.
Pricing
Full transparency. Every fee, every cost, nothing hidden.
*First-time debit card fee only. After that, use free ACH transfers. The 3-5% merchant discount more than covers any purchase fee.
Every cost, every competitor, side by side. No hidden fees.
| Fee Type | ZAP | Square | Stripe | Toast | PayPal |
|---|---|---|---|---|---|
| Per-transaction rate | 1.0% | 2.6% + $0.10 | 2.9% + $0.30 | 2.49% + $0.15 | 2.99% + $0.49 |
| Monthly fee | $0 | $0-$60 | $0 | $0-$165 | $0-$30 |
| Setup fee | $0 | $0 | $0 | $0 | $0 |
| Hardware required | No | $0-$799 | $59-$249 | $0-$999 | $29-$699 |
| Contract / lock-in | None | None | None | 2-year | None |
| Chargeback fee | $0 (impossible) | $0 | $15 | $0 | $20 |
| Settlement speed | Same-day | 1-2 days | 2 days | 1-2 days | 1-3 days |
| Annual cost on $40K/mo | $4,800 | $12,528+ | $13,920+ | $11,952+ | $14,352+ |
You save $7,728/yr switching from Square. $9,120/yr from Stripe. $4,752/yr from JIM.
The Market Is Ready
These aren't projections. These are verified statistics from 2025-2026 research.
The demand exists. The infrastructure at the register doesn't. That's exactly what ZAP builds.
Adoption
Not every customer will switch on day one. They don't need to.
$2K/month through ZAP on $40K volume. Save $27/month. Proves the model.
$6K/month through ZAP. Save $81/month. That's $972/year back.
$10.4K/month through ZAP. Save $140/month — $1,685/year. This is what retailers who accept crypto actually see.
Customers see "digital dollars" and "scan to save." No jargon. No blockchain talk. Just savings.
Better than any credit card rewards. Customer buying $100 of USDC for $101.50 and getting 5% off pays $96.50. Ahead on day one.
Your team helps customers at the register. 3-5 minutes. One successful payment and they're hooked.
"$5 free when you try [Store] Pay." Cost: $5. That customer saves you $92/year. Payback: 3 weeks.
Every wallet works at every ZAP merchant. More merchants in town = more customers with wallets = higher adoption for everyone.
52% of Gen Z and 49% of Millennials already have wallets. Start there. The rest follow as it becomes normal.
Merchant Features
ZAP isn't a setup service you outgrow. It's your ongoing payment processor. Every transaction flows through ZAP — that's how you get 1% fees, instant settlement, and zero chargebacks.
We generate a unique QR code for your business. Print it as a counter sign or table tent. Customers scan, pay, done. Works on any phone.
Send a payment link via text, email, or embed on your website. Customer clicks, pays, you get notified. Works for invoices, deposits, and online orders.
Create and send invoices from your ZAP dashboard. Customer pays with one tap. Track paid, pending, and overdue invoices in real time.
ZAP runs alongside your existing POS — Square, Toast, Clover, Shopify. No replacement needed. Add ZAP as a second, cheaper payment option.
Customers can add a tip during checkout. Tips go straight to your account at the same 1% rate. Staff get their cut through your normal tipping process.
Issue refunds from your dashboard. USDC returns to the customer's wallet in under 60 seconds. No dispute process. No chargeback fees. Ever.
Real-time dashboard: transactions, daily/weekly/monthly totals, fee savings vs. cards, adoption rate, top customers. Export CSV for your accountant.
Don't want to hold digital dollars? ZAP auto-converts every payment to USD and deposits to your bank account same-day. Zero price risk.
For enterprise: REST API for custom integrations, real-time webhooks for payment events, settlement files for your ERP/accounting system.
Built-in rewards program: offer 2-5% bonus for digital dollar payments. Plugs into your existing loyalty program or runs standalone.
Manage all locations from one dashboard. Unique QR codes per location. Consolidated reporting, per-location breakdowns, and team access controls.
Phone, email, and live chat with real people. Setup help, troubleshooting, staff training. We pick up when you call — no ticket queues.
ZAP isn't a one-time setup. Every payment your customers make flows through ZAP's processing infrastructure — that's how we deliver 1% fees, instant settlement, auto-conversion to USD, chargeback elimination, and real-time reporting. Remove ZAP and you lose all of it. This is the same model as Square, Stripe, and Toast — the processor is the product.
The Math
Give ZAP 0.01% of your card volume. We prove 1.35% savings. That's a 100x+ return.
Who ZAP Is For
ZAP works for any business that accepts card payments — but the pitch is different depending on your size.
$20K-$100K/month in card volume
$1B+ in annual card volume
Industry Verticals
Target · Costco · Home Depot · Lowe's · Kroger
$24B+ in annual card fees
Kroger banned Visa credit at 155+ stores. Costco switched networks. The pain is proven.
Nike · Adidas · Lululemon · Under Armour
$3–5B in annual card fees
Nike built .SWOOSH on blockchain. 51% of Gen Z owns crypto. They need new tools.
Live Nation · Ticketmaster · AEG · SeatGeek
$1–2B in annual card fees
$26B ticket GTV. FTC fee scrutiny. Token-gated presales already live.
McDonald's · Starbucks · Chipotle · Darden
$5–10B in annual card fees
High volume, thin margins. ZAP's restaurant pilot proves the model.
Why Now
First federal stablecoin framework. Senate 68-30, House 308-122.
Largest crypto acquisition by a payments company.
$2.7B revenue. $75.3B USDC. Backed by cash and Treasuries.
$4.5B annualized. Banks now settle in stablecoins.
Infrastructure live. Law passed. Giants haven't moved. This is the window.
Proof & Credibility
ZAP's founder runs a restaurant accepting USDC payments today. Real transactions, real savings, real data. Ask us for the case study.
Request pilot data →The Growth Flywheel
Every merchant we onboard creates new customers, and every customer drives more merchants. This is the network effect that makes ZAP unstoppable.
A restaurant adds ZAP. Takes 10 minutes. They put a QR code at the counter and offer 5% off for digital dollar payments.
Customers see "Save 5%" and download Coinbase Wallet or Phantom. They load $50-200 via free ACH. Now they have a wallet with money in it.
That customer's wallet works at every ZAP merchant. They start asking other businesses: "Do you accept digital dollars?" Businesses that don't are leaving money on the table.
The coffee shop next door sees the restaurant saving $600/month and customers asking for it. They sign up. Now there are 2 merchants, and the customer base doubles.
10 merchants in Davis, CA becomes 50. 50 becomes a case study that opens Sacramento. Sacramento opens the Bay Area. Each city has a denser network of merchants and wallets. ZAP earns 1% on every single transaction, forever.
Merchants who refer another business get a revenue share on that merchant's volume. Incentivizes word-of-mouth.
Onboarded merchants display "We accept ZAP" signage and promote to their customers — free distribution through existing foot traffic.
Independent payment sales agents earn higher residuals selling ZAP vs. traditional processors. Existing sales forces, new product.
How-to guides, fee comparison calculators, "is this real?" explainers. SEO-driven traffic that answers the exact questions skeptical merchants Google.
Competitive Edge
Circle builds the pipes. Stripe enables small merchants. Visa validates the tech. But nobody sells stablecoin checkout to the Fortune 500.
Stablecoin processing for Shopify merchants
Don't sell to Target or Costco
USDC infrastructure and APIs
Build tools, not retail implementation
Crypto trading for Walmart OnePay
Trading, not POS payments
Enterprise stablecoin checkout + AI analytics
Sells, implements, and scales for the Fortune 500
Get Started
Fill out the form below and we'll send you a custom savings report within 24 hours. No obligation. No contracts. Just the math.
No contracts. No monthly fees. No hardware. You pay 1.0% per transaction, all-in. You were paying 2.6%. You keep the 1.6% difference.