Make Card Payments Transparent and Conditional
Transform simple card transactions into shared agreements where customer, merchant, and card processor all understand the rules. Eliminate chargebacks, connect payments to real-world events, and build trust through transparency.
Three Parties, One Shared Truth
Traditional card payments are opaque—customers don't know the merchant's fulfillment rules, merchants don't know the processor's risk models, and processors don't know the real transaction context. Card Payment PayNotes make everything transparent.
Customer
✓ Sees exactly what they're paying for
✓ Knows when payment will be captured
✓ Understands refund conditions
✓ Can track fulfillment progress
Merchant
✓ Sets clear fulfillment terms
✓ Knows payment is guaranteed
✓ Reduces chargeback risk
✓ Automates capture timing
Card Processor
✓ Understands transaction context
✓ Validates fulfillment evidence
✓ Provides trust and guarantee
✓ Reduces dispute resolution costs
From Authorization to Fulfillment
See how a Card Payment PayNote creates transparency and trust between customer, merchant, and card processor throughout the entire transaction lifecycle.
You ask for a professional hair dryer with constraints. The assistant lists eligible shops to contact.
Step 1 of 10
Connect Card Payments to Real-World Events
Shipment Delivered
E-commerce with delivery guarantee
Customer authorizes payment, merchant ships, card processor captures only when delivery is confirmed. No more "where's my package?" disputes.
Lakers Won
Sports betting with event verification
Customer bets on Lakers victory, card processor holds funds, payment captures automatically when official game result is verified. Transparent and instant.
HTLC Password Provided
Crypto-to-fiat bridge payments
Customer buys Bitcoin with card, payment captures when BTC seller provides valid HTLC password. Atomic swaps with traditional payment rails.
Service Completion
Professional services with milestone verification
Customer pays for consulting, card processor captures when deliverables are confirmed complete. Both parties protected throughout the engagement.
Preorder Fulfillment
Product launches with guaranteed delivery
Customer preorders new product, payment captures only when item ships. Merchant gets guaranteed payment, customer gets delivery assurance.
Quality Verification
High-value items with inspection requirements
Customer buys expensive equipment, payment captures after third-party inspection confirms quality and specifications. Trust through verification.
Why This Eliminates Chargebacks
Traditional Card Payments
Customer doesn't know merchant's fulfillment process
Merchant doesn't know customer's expectations
Processor only sees "charge $X to card"
Disputes arise from misaligned expectations
Resolution requires manual investigation
Card Payment PayNotes
All parties see the same payment rules
Customer explicitly agrees to conditions
Processor understands transaction context
Evidence is cryptographically verifiable
Disputes resolve instantly with proof
The Result: Trust Through Transparency
When everyone understands the rules and can verify compliance, disputes disappear. The card processor becomes a trusted partner in the transaction, not just a payment rail.
Benefits for Merchants
Chargeback Protection
Drastically reduce disputes
When customers explicitly agree to payment conditions and fulfillment terms, chargebacks become nearly impossible. Clear evidence protects merchants.
Automated Capture
Perfect timing, every time
No more manual capture decisions. Payment automatically captures when your fulfillment conditions are met. Optimize cash flow without risk.
Higher Conversion
Customers trust transparent payments
When customers can see exactly what they're agreeing to and track fulfillment progress, they're more likely to complete purchases and return.
Flexible Terms
Customize payment conditions per product
Different products need different payment terms. Digital goods capture instantly, physical goods on delivery, services on completion.
Full Transparency
Customer and processor see everything
No hidden terms, no surprise captures. Every step is visible to all parties. Build trust through radical transparency.
AI Integration
Perfect for AI-driven commerce
AI agents can create and manage PayNotes within defined boundaries. Automated purchasing with human-level trust and verification.
Benefits for Card Processors
Reduce Dispute Costs
80-90% reduction in chargeback volume
When all parties understand and agree to the same terms, disputes become rare. Clear evidence makes resolution instant when they do occur.
Enhanced Risk Management
Better context for every transaction
Understanding what customers are actually buying and when payment should capture helps identify legitimate vs fraudulent transactions.
New Revenue Opportunities
Premium services for conditional payments
Charge premium fees for PayNote processing, evidence validation, and dispute prevention. Merchants pay more for better protection.
Merchant Satisfaction
Happier merchants, better retention
Merchants love reduced chargebacks and automated capture timing. Higher satisfaction leads to better retention and more referrals.
Implementation for Card Processors
What Doesn't Change
What PayNotes Add
FAQ for Card Processors
Do we need card network approval?
No special approval needed. PayNotes use standard auth/capture flows. You're just adding conditional logic to when capture occurs.
How do we validate evidence?
Through webhooks and APIs. Shipping confirmations, service completions, and other evidence arrive as verifiable events that trigger capture.
What about authorization timeouts?
PayNotes handle auth extensions automatically. If fulfillment takes longer than standard auth window, the PayNote manages re-authorization.
Can customers still dispute?
Yes, but disputes resolve faster with clear evidence. PayNotes provide cryptographic proof of agreement and fulfillment for instant resolution.
How do we price this service?
Premium pricing for premium service. Charge 50-100% more for PayNote processing. Merchants gladly pay for chargeback protection.
What about international transactions?
PayNotes work with any card network globally. Same transparency benefits apply whether domestic or cross-border transactions.
Ready to Transform Card Payments?
Turn every card transaction into a transparent, conditional agreement.
Eliminate chargebacks, increase merchant satisfaction, and create new revenue streams.