chcks is a multichain POS for cafés, restaurants, and shops. flat monthly subscription. zero processing fees. every payment goes directly to your wallet.
* not 2.9% of every sale. not a cut of your revenue. a flat subscription. that's it.
Stripe charges 2.9% + €0.30 per sale. it adds up to thousands a year — on money you already earned. chcks charges a flat €9/month. payments go wallet-to-wallet. the full amount. always.
TON, ETH, BNB, USDT — any supported chain goes directly to your wallet. no escrow, no holding period, no percentage cut. what the customer sends is what you receive.
every transaction hashed to the TON blockchain. permanent, millisecond-timestamped, independently verifiable. tax documentation that can't be falsified.
blockchain transactions are cryptographically final. a customer can't file a dispute 3 months later. €100 earned stays €100 earned.
no bank account approval. no merchant account application. no processing relationship. just a wallet address.
list your products or services, accept crypto payments, works everywhere.
no terminal. no payment processor application. add menu items, set prices in USDT or TON, print the QR and stick it on the counter. customers scan, order, pay. money in your wallet in under a second.
each table gets its own QR. orders hit the kitchen display instantly via P2P WebRTC — no server in the middle. payments land directly in your wallet. every order receipted on-chain.
building a game, an app, a marketplace? use chcks as your payment layer. REST API with a Bearer token. no SDK lock-in. if it can make an HTTP request, it can use chcks.
// create a product
POST /api/v1/products
Authorization: Bearer csr_...
{ "name": "Premium skin", "price": "4.99",
"currency": "USDT" }
// create a payment link
POST /api/v1/transactions
{ "items": [{ "product_id": "prod_xyz", "qty": 1 }] }
→ 201 Created
{
"payment_url": "https://chcks.co/pay/123",
"amount_usdt": "4.99",
"wallet": "UQB...your_wallet"
}USDT, TON, and more go directly from the customer's wallet to yours. we never touch the money. flat subscription, no percentage, no per-transaction fee. the more you sell, the more you save compared to any percentage-based alternative.
Every transaction hashed to TON. permanent, timestamped, verifiable. works as fiscal documentation.
Scan, browse, order, pay. any phone, any browser. no app download, no account required.
Real-time P2P order notifications. WebRTC-powered, no server in the middle.
Sign in with biometrics. hardware-backed, phishing-proof. no password to steal.
TON, ETH, BNB and more. one checkout, any supported wallet, any supported chain.
Full REST API. Bearer token auth. no SDK lock-in. if it speaks HTTP, it speaks chcks.
sensitive order data is encrypted on your device before reaching our servers. AES-256-GCM. keys derived from the order ID, never stored by us. even if our servers were compromised, order contents would be unreadable.
View all data we hold. one click, complete export.
Request deletion. soft-delete, hard-delete after 90 days.
Export in JSON or CSV. your format, your timeline.
Granular controls. withdraw any consent at any time.
Your data is never sold, rented, or shared.
MiCA (EU Markets in Crypto-Assets) came into force in 2024. chcks was non-custodial from day one — we never hold your funds or act as intermediary. this architecture places us outside most MiCA licensing requirements.
(ok we did. but only because we win every category.)
| Stripe | Heliket | Cryptomus | chcks ✓ | |
|---|---|---|---|---|
| processing fee | 2.9% + €0.30 | ~0.5% | ~0.4% | 0% · flat €9/mo |
| settlement speed | 2–7 days | minutes | minutes | < 1 second |
| custodial | yes | yes | yes | no — wallet direct |
| chargebacks | frequent | possible | possible | impossible |
| bank account required | yes + KYC | yes | yes | no |
| multichain | no | partial | partial | TON · ETH · BNB+ |
| non-custodial | no | no | no | yes |
| QR menu / POS | no | no | no | yes — built-in |
| kitchen display | no | no | no | yes — P2P |
| on-chain receipts | no | no | no | yes |
| MiCA compliant | n/a | partial | partial | yes |
Stripe fees as of 2026. Heliket / Cryptomus fees approximate. Legacy POS hardware and software costs vary by vendor.
no percentage of your sales. no per-transaction fees. pick the billing period that suits you.
prices shown in USD (approximate · billing in EUR)
monthly
pay month by month, cancel anytime
3 months
save €3 vs monthly
one payment, three months
annual
save €12 vs quarterly
one payment, full year
everything included
all features. one flat price. no per-transaction fees.
payment via USDT on TON. no recurring charges — manual renewal. cancel any time.
The card network duopoly was built in 1966. It was the best technology available at the time. It is not the best technology available now. We have blockchains. We have stablecoins. We have wallets that fit in a pocket and cost nothing to open.
"A café owner in Kyiv, a restaurant in Lviv — none of them should need a bank approval to accept payments. None of them should wait 5 days for money they already earned. None of them should lose 3% of every sale to infrastructure that should cost fractions of a cent."
chcks charges a flat subscription — like software should. When you make a sale, that money is yours. All of it. Immediately. Verifiably on the blockchain. If that routes around 60 years of financial infrastructure, that's a side effect we're comfortable with.
scan the QR, browse the menu, see what crypto ordering looks like when it's designed to work. no sign-up. no commitment. the full product, live.
from €9/month · no credit card · cancel any time