For Merchants

ColossusNet gives merchants lower fees, instant settlement, and full on-chain transparency. No new hardware required.

Fee savings

Traditional credit card processing costs merchants 2-3% per transaction in interchange, network assessments, per-authorization fees, and processor markup. Colossus replaces all of that with a single flat rate per tier.

There are no assessment fees, no per-authorization fees, no batch processing fees, no online surcharges, and no interchange downgrades. The merchant pays the tier rate and nothing else. Card-present and card-not-present rates are identical.

For a merchant processing $1M in annual card volume:

• Direct Debit: $0 in fees versus $5,000-$8,000 on legacy debit
• Consumer Credit: $17,000 versus $20,500-$27,000 on Visa/MC credit
• Online merchants save the most: no CNP surcharge means an e-commerce merchant processing $10M saves $35,000-$100,000 per year compared to legacy online rates

No terminal changes

ColossusNet is EMV standards compliant. Any EMVCo Level 1/2/3 certified terminal works with ColossusNet cards. Customers tap or insert their card exactly as they would with any other payment card.

No terminal replacement, firmware updates, or new hardware required.

Getting started

Through an acquirer

If you already work with a payment acquirer (Fiserv, Elavon, Global Payments, Worldpay, etc.), the simplest path is through them. When your acquirer integrates with ColossusNet, your business is automatically enrolled. Your acquirer registers your merchant ID and terminal IDs on-chain and manages settlement on your behalf.

If you want more control, you can optionally register an Ethereum address with your acquirer to take direct ownership of your ColossusNet account.

Self-acquiring

Merchants without an acquirer can register directly on ColossusNet using an Ethereum address. No acquirer or intermediary is needed. Funds settle directly to your registered address on-chain.

How settlement works

ColossusNet settles transactions instantly. Stablecoin balances are transferred during the authorization itself, not hours or days later.

• Acquirer-managed: Funds transfer to your acquirer's account on ColossusNet during the transaction. Your acquirer settles with you through their existing payout process.
• Self-acquiring: Funds transfer directly to your registered Ethereum address during the transaction. You have immediate access.

There is no batch processing, no end-of-day clearing, and no T+2 delay. When the terminal shows "Approved," the stablecoins have already moved. On-chain balances are independently verifiable at any time through a block explorer or by querying the stablecoin contract.

Chargebacks and disputes

Direct Debit: No chargebacks. Transactions are final. The cardholder authorized the payment, the funds moved, and the merchant has them. This is how cash and direct payment apps work.

Consumer and Premium Credit: Dispute resolution is backed by the issuer's $100K refundable deposit (separate from the settlement collateral pool). The on-chain transaction record provides an immutable audit trail for dispute evidence.

In all cases, merchants are not exposed to chargeback fees, arbitration costs, or the representment burden of traditional card processing.

Wire liquidation

If you prefer to receive funds in a traditional bank account rather than holding stablecoins, ColossusNet supports wire liquidation for converting stablecoin balances to fiat via wire transfer. See Settlement for details.

Fee transparency

All fees are recorded on-chain. Every transaction's cost breakdown is visible and auditable. There are no hidden surcharges, no bundled processor fees, and no opaque interchange tiers.

Agentic commerce

ColossusNet is well-suited for agentic commerce, where AI agents make purchases autonomously. Agents benefit from no chargebacks, instant finality, and deterministic on-chain settlement.