Fees from 0.5%
PayDAO charges a 0.5% protocol fee per transaction, a fraction of typical card-network rates, so merchants keep more of every sale.
Part of the ELLIPAL ecosystem. Built on Solana.
A payment terminal built on-chain, so both merchants and users keep more control and hold their own funds.
PayDAO charges a 0.5% protocol fee per transaction, a fraction of typical card-network rates, so merchants keep more of every sale.
Stablecoins settle to the merchant's own wallet on-chain, in seconds, not days, with no bank in between.
Self-custody by design. Only the merchant can move funds, so there is no bank, no chargeback risk, and no middleman.

Customers pay by tapping an ELLIPAL PAYDAO Payment Card, activated and topped up once in the ELLIPAL App, the same gesture as a bank card. Customers who already use a compatible wallet can also pay by scanning a QR code. Some payments may also earn PAY token rewards.
Payment and settlement run through the PAYDAO protocol: fund management, messaging, and settlement all happen by smart contract, transparent and traceable, with less dependence on a payment intermediary. Merchants keep full control over what they receive.
Merchants, installers, and individuals can deploy an PAYDAO terminal with no bank or acquirer approval needed, and onboard new merchants into the network. Installers earn rewards tied to real transaction activity, powered by the PAYDAO payment protocol.
Card networks bundle authorization, settlement, and custody. PAYDAO settles natively on-chain.
| Fee Under 1% | Settles in Seconds | Merchant Holds Funds | No Chargebacks | Anyone Can Deploy | |
|---|---|---|---|---|---|
| Card Networks | No | No | No | No | No |
| PAYDAO | Yes · 0.5% | Yes · Seconds | Yes | Yes | Yes |
ELLIPAL initiated PAYDAO to bring self-custody into everyday payments.
PAYDAO runs on its own protocol and ecosystem, settling on Solana by smart contract. Anyone can deploy a terminal and earn from the network.
That is on-chain checkout. Payments settle on-chain, not through a bank, and both sides keep their own keys.
| Payments | |
| Accepted Asset | USDC |
| Payment Methods | NFC Tap-to-Pay, QR Code (Solana Pay) |
| Protocol Fee | 0.5% per transaction |
| Settlement | On-chain, in seconds |
| Custody | Self-custody. Both merchants and users can withdraw |
| Security | |
| Secure Processor | Unique card keys, smart-contract protection, fixed merchant address |
| Payment Certifications | PCI PTS 6.x, EMV L1 & L2, EMV Contactless L1 |
| Usability | |
| Operating System | Android 13 |
| Printer | Built-in thermal printer, 58mm paper width |
| Camera | 0.3MP (5MP with flash and autofocus, optional) |
| Card Readers | Magnetic stripe, smart card (chip), and contactless (NFC) |
| Connectivity | |
| Cellular & Wi-Fi | 4G / 3G / 2G, Wi-Fi 2.4G / 5G |
| Bluetooth | Bluetooth 5.0 |
| Ports | 1× USB-C |
| Card Slots | SIM and PSAM slots, plus microSD |
| Physical Specs | |
| Dimensions | 175 × 77 × 57 mm |
| Display | 5-inch Touchscreen, 720 × 1280 pixels |
| Weight | 385 g |
| Battery | 2,550 mAh (7.2V) |