$84.50
Opens Cash App with $84.50 already filled in.
- Send to
- Reference
Open Cash App
Private beta · Shopify
Keep the
whole thing.
Your customer scans one code and pays you directly — Cash App, Venmo, Zelle, Apple Cash, crypto. No percentage. No chargebacks. The money lands in your own accounts and never passes through ours.
In private beta with a handful of stores. No card to request access. When it opens: $10 a month per method, or $40 for all five, after 30 days free.
At a glance
0%taken from a sale
5ways to pay, one code
$40a month with everything on
~1sfor a stablecoin order to confirm itself
The math
Processing fees are a subscription
you never agreed to.
Card processing takes about 2.9% plus 30¢ on every order, forever, and it grows with every good month you have. Cha-Ching costs the same whether you sell $500 or $500,000. Put your own numbers in.
$500$150,000
$10$500
1All 5 — $40
That's 141 orders a month.
- Card processing 2.9% + 30¢ per order
- $390
- Cha-Ching flat, per method
- $30
You keep
$4,324
more a year, on the orders that come through Cha-Ching.
Cha-Ching is $10 a month per method, and $40 with all five on. The figure above assumes every order takes this route; in practice you run it beside your card processor and keep the difference on the ones that do.
Side by side
What actually changes.
Including the two rows where card processing wins. You should know both before you install anything.
| Topic | Card processing | Cha-Ching |
|---|---|---|
| What it costs | About 2.9% + 30¢ of every order | $10 per method per month. $40 for all five |
| On $12,000 a month | ≈ $390 a month | $40 a month |
| Who holds the money | The processor, until payout | Nobody. It goes customer to you |
| Chargebacks | A buyer can reverse a card payment months later | No card network, so no card-network reversal |
| Holds and reserves | A rolling reserve or a freeze is the processor's call | We have no funds to hold. There is no reserve |
| Refunds | Issued through the processor | You send it back on the same rail, then mark the order refunded |
| Confirming a payment | Automatic | You tap confirm when you see it. Stablecoin orders confirm themselves on-chain |
| Customer needs | Any card. Nothing installed | One of the five apps, already on their phone |
| Checkout | Card fields, finished in place | One extra screen: scan, pay, done |
Scroll the table sideways for the Cha-Ching column.
Card rates vary by processor and card type; 2.9% + 30¢ is the common published rate for online sales.
How it works
Three steps, then it runs itself.
-
01
Say where money should land
A Cash App business cashtag, a Venmo username, the phone number on your Zelle profile, a wallet address. Add several on any method and Cha-Ching rotates between them.
-
02
Customers pick it at checkout
It shows up as a payment option in the Shopify checkout you already have. Card and Shop Pay orders carry on exactly as they do today, untouched.
-
03
They scan, you get paid
The code opens their app with the amount filled in. Stablecoin orders tick themselves paid on-chain; for everything else you tap confirm once the money is in your account, and the Shopify order goes green.
Where it runs
Shopify today. WooCommerce and an API next.
The part your customer touches is platform-independent by design. The pay page, the QR generation, the routing across your accounts and the on-chain verification are one shared piece of software — a customer sees the identical screen wherever the store runs. Only the checkout hookup differs, which is why the ports are small. Right now exactly one of them is built, and we would rather label it than let you find out after installing.
-
Available now
Shopify
Built, working, and what this site describes. It rides on Shopify's manual payment methods and asks for read and write access to orders — no payments scope, because there are no payments to process.
-
Not built yet
WooCommerce & WordPress
Designed and sequenced, not shipped. It is a standard WC_Payment_Gateway plugin — roughly 300 lines of PHP — sitting on top of the public API below, which also does not exist yet. The pay page, rails and routing get reused untouched.
-
Not built yet
Custom carts, invoices, in person
A public API that mints a pay link for any reference and amount, and signs a webhook back when it is paid. Same plan, same status: specified down to the idempotency keys, and not yet written.
Methods
Five ways to hand you money.
Each one can do a different amount of the work for you. We are specific about which, because finding out at the counter is worse than reading it here.
-
Cash App
The code opens Cash App with the amount already filled in. Cash App has no note field, so the customer types the reference. You confirm when it lands.
- Opens the app
- Amount filled in
- Reference typed by hand
-
Venmo
The most complete of the peer-to-peer rails: amount and order reference both arrive pre-written in the note. You confirm when it lands.
- Opens the app
- Amount filled in
- Reference carried
-
Zelle
Zelle publishes no API, so there is no link to build. You upload the QR code your own bank issued once, and customers scan that. The reference goes in the memo.
- Bank-issued code only
- Amount typed by hand
- Reference carried
-
Apple Cash
Apple publishes no payment link and nothing to pre-fill an amount with. Scanning opens Messages to your number with the order note already written; the customer taps Apple Cash and types the total. That is the ceiling of what is possible here.
- Opens Messages, not a payment
- Amount typed by hand
- Reference carried
-
Crypto
Bitcoin, Ethereum, Base, Polygon, Solana, Litecoin, Dogecoin and TRON — one method on your bill, however many you accept. Stablecoin orders are the only ones on this whole site that prove themselves: the chain confirms the recipient and the amount, and the order marks itself paid without you touching it.
- Opens a wallet
- Amount filled in
- Confirms itself — stablecoins
All five
The fifth method is free. Here's why you'd want it anyway.
$10 a method, four methods is $40 — and so is five. But the price is the smaller reason.
A method you don't offer is a customer going to find their card.
Plenty of people run their whole week out of one app. Someone who pays for everything in Cash App, meets a checkout with no Cash App on it, and has to go get a card out of a drawer does not switch apps cheerfully — they hesitate, and some of them don't come back. Turning on all five means whatever is already open on their phone is something you take.
Nothing is one incident away from taking no money at all.
Apps have outages. An account occasionally goes under review. A bank changes what it allows through Zelle. A store running one rail has a bad afternoon; a store running five has four other ways to be paid while it sorts itself out.
Headroom, for the merchants who actually have a ceiling.
Most don't. A verified Cash App for Business account has no receiving limit, and Zelle receiving is generally unlimited too. But an Apple Cash balance has a cap on what it can hold, unverified personal accounts are limited, and a few banks put their own ceiling on inbound Zelle. Spreading across methods — and across several accounts within a method — means you never get near any of them. Limits in Cha-Ching are optional and off unless you switch them on.
Four methods and five methods cost the same $40. If you were going to run four, there is no reason on the invoice to leave the fifth off.
Multiple accounts
Several accounts on one method. Still one $10 line.
Add as many handles as you like to any method — three cashtags, two Zelle profiles at two different banks, a partner's Venmo, four wallet addresses. They all sit on the same Cha-Ching account, and they all bill as that one method. Cha-Ching decides which handle takes each order as it comes in, and your customer never sees that any of it happened.
What that usually looks like:
- Cash App The shop's main cashtag, plus a second one you keep for wholesale.
- Zelle A profile at your everyday bank, and another at a second bank.
- Venmo Your business profile, plus a partner's, taking the share you agreed.
- Crypto One wallet you spend from, one you don't touch.
- Everywhere A backup on each method, so nothing at all depends on one account.
Cash App · 3 destinations
Shop account $northsidesupply
next up
$18,240 this month · 214 orders
Wholesale $northsidewholesale
$9,110 this month · 38 orders
Partner split $nsupply-partner
$2,050 this month · 24 orders
Taking turns evenly. No limits set — nothing is capped. Zelle, Venmo and crypto route exactly the same way, per method.
A destinations screen from the admin, with sample figures.
Money lands where you already keep it separate
If wholesale takings and counter takings live in different accounts on your books, they can arrive that way too. Same for a partner's share, or a second location. You are choosing the destination, not reconciling it afterwards.
Nothing depends on a single account
If one account is ever under review, or a bank changes what it allows through, the other handles on that method keep taking orders. You don't switch anything off and you don't lose the afternoon.
Volume spreads out on its own
Most merchants have no ceiling to worry about — a verified Cash App for Business account has no receiving limit. Where a real one exists, spreading orders across several handles means you never get near it. Set a limit per account if you have one; they are optional and off until you do.
Rotation is automatic. Pick how:
- Take turns. Every handle gets an even share of the orders.
- Favour one. Your main account takes everything unless you say otherwise.
- Fill to a limit. The handle with the most headroom takes the order — only meaningful if you set a limit, and limits are off unless you turn them on.
It works the same for Cash App as for Zelle as for crypto, and the counters move on confirmed money only — so an abandoned checkout never spends a merchant's headroom.
Straight answers
What Cha-Ching doesn't do.
The honest version, up front, so nothing here is a surprise in week two.
-
It never touches your money
Every code names your own account as the recipient. Nothing is pooled, held, forwarded or paid out by us — which is exactly why we can charge a flat software fee instead of a percentage, and why there is no reserve and no payout schedule to wait on.
-
It can't verify a Cash App payment for you
No API exists that would let it, and anything claiming otherwise is logging into your account on your behalf. You see the money in your own app and tap confirm. Stablecoins are the exception: those we can prove on-chain, so they mark themselves paid.
-
It can't pre-fill an Apple Cash amount
Apple publishes nothing to pre-fill it with. The code gets your customer as far as a written message to the right number, with the order and reference in it. They type the total themselves.
-
It isn't a card processor
Keep Shopify Payments or whatever you use for cards. Cha-Ching sits beside it as one more option at checkout — or on its own, if that is what you want. It is software that displays payment instructions, not a bank and not a money transmitter.
-
It doesn't show you a balance
We have no read access to anyone's Cash App or bank, and inventing a balance from our own records would be a number you couldn't trust. Your balance lives in your apps, where it always did.
-
It doesn't issue refunds
You send the money back on the rail the customer used, then mark the order refunded. Since we never held the funds, there is nothing on our side to return.
Pricing
Thirty days free. Then $10 a method, $40 for all five.
Turn on what you'll use, turn off what you won't. Crypto is one method however many chains you accept. Never a percentage, at any volume.
Everything on
$40 a month
- Cash App
- Venmo
- Zelle
- Apple Cash
- Crypto — every supported chain
Pricing at launch. Billed through Shopify on the invoice you already get, and you can cancel a method any time. Beta stores aren't charged.
- $10 a method on its own. One is $10, two is $20, four is $40 — and the fifth is included at that point.
- Never a percentage. A $9 order and a $9,000 order cost you the same, which is nothing.
- Unlimited orders and handles on every method. Rotation, optional limits and on-chain confirmation are included, not upsold.
- No card to start. Thirty days, then Shopify asks you to approve the charge before anything is billed.
Questions
The ones people actually ask.
Is this allowed on Shopify?
Yes. Cha-Ching runs on Shopify's built-in manual payment methods — the same mechanism stores have used for bank deposit and cash on delivery for a decade. The order arrives pending and gets marked paid once payment is confirmed. The app asks for read and write access to orders and nothing else; there is no payments scope, because there are no payments for us to process.
Do you take a cut of a sale?
No, and we can't. The money goes straight from your customer to you — we are never in the middle of it, so there is nothing for us to take a slice of. The bill is a flat software subscription through Shopify.
Can I run it alongside my card processor?
That is the normal setup. Cha-Ching only ever touches orders placed through its own payment method; everything else passes through untouched. You can also switch your other methods off and take payment only this way.
What happens if a customer never pays?
The order sits unpaid in Shopify, exactly like an unpaid invoice, and the pay link expires on a schedule you set. Nothing ships until you mark it paid.
Do I need a business account?
For Cash App and Venmo, yes. Taking sales on a personal profile is against their terms, and the verified business accounts are also the ones without a receiving limit. Setup walks you through it.
Are there limits on how much I can take?
Generally no. A verified Cash App for Business account has no receiving limit, and Zelle receiving is usually unlimited. The real ones are narrower: an Apple Cash balance has a ceiling on what it can hold, unverified personal accounts are capped, and a handful of banks limit inbound Zelle. Cha-Ching lets you set a limit per account if one of those applies to you — it is optional, and off until you turn it on.
How do refunds work?
You send the money back on the same rail the customer used, then mark the order refunded in Shopify. Since we never hold the funds, there is nothing for us to return.
Is my customer's data safe on the pay page?
The pay page shows an order number, a total, and where to send it. No card details, no logins, nothing worth stealing. The link contains a 128-bit token and is the only credential for that page; it carries noindex and no-store, and the page runs under a content security policy that blocks any script it wasn't served with.
Is it only for Shopify?
Today, yes. A public API and a WooCommerce plugin are designed and sequenced but not shipped, and we would rather say that than list them as features.