Keep more revenueon every transaction

Decal is a commerce platform for small businesses and solo entrepreneurs that combines payments, online bookings, prepaid packages and memberships, and a treasury account that earns interest on idle balances. It runs on stablecoin rails, which is why it costs a fraction of what traditional payment processors and booking tools charge. Decal works alongside Square or on its own. Decal is a financial technology company, not a bank. Yield generated through Decal Treasury is produced through managed strategies and is not guaranteed. Funds are not FDIC-insured.

Decal starts at $49 per month. Payments made with stablecoins or from a customer's prepaid balance cost about 1% all-in. Card payments are free for your first three months, then 2.8% + $0.10. There is no hardware to buy.

Customers pay the way they already do: with a credit or debit card, from a prepaid balance they hold with your business, or with stablecoins - online via normal checkout flows or in-person via QR code. There's no app to download. All a user needs is a computer or phone, and an internet browser.

Decal Bookings is appointment and class scheduling with payments built in. You define your services once - appointments, classes, consultations, workshops, packages - and Decal turns them into bookable time slots your clients reserve and pay for themselves. Bookings, payments, and prepaid balances all live in one system, so there's no separate scheduling app to sync.

Prepaid packages and memberships let customers load money onto a balance with your business - such as a 10-session pack, a monthly membership, or a $100 reload - and spend it down over time. You collect the revenue up front, redemptions carry zero processing fees, and the balance earns interest in your Decal Treasury while it waits to be spent. Decal is a financial technology company, not a bank. Yield generated through Decal Treasury is produced through managed strategies and is not guaranteed. Funds are not FDIC-insured.

Decal Treasury is a business balance that automatically earns interest on the money you hold in Decal - settled payments and customers' prepaid balances - while it waits to be spent on rent, supplies, or payroll. There are no extended lockups and nothing to manage; you turn it on once and watch one number. Decal is a financial technology company, not a bank. Yield generated through Decal Treasury is produced through managed strategies and is not guaranteed. Funds are not FDIC-insured.

Yes. Decal layers on top of every Square device for payments and prepaid balances - no new hardware, no retraining your staff. You can keep your Square setup and add Decal, or run Decal on its own. Clover, Lightspeed, and Shopify integrations are coming soon.