Cash App payments for merchants

Get paid.
Keep control.

Accept Cash App and USDC, and send payouts to any $cashtag. Every dollar lands in wallets you own, never in an account we hold.

Get early access See how it works

Settle to your own wallet.

Product preview

Sarah's Shop · Order A-214 $24.00 Amount due

How would you like to pay? $Pay with Cash App Pay with USDC Paid directly to Sarah's Shop

Approve in Cash App This page updates by itself.

✓ Paid $24.00 to Sarah's Shop.
Receipt sent.

Cash AppUSDCHosted checkoutPayment linksPayouts to $cashtagsPasskey approvalsCSV payoutsWebhooks

The platform

Get paid in Cash App. Pay out to any $cashtag. Keep every dollar in wallets you own.

Cash AppUSDCPayment linksHosted checkoutBulk payoutsPasskey approvalsSigned webhooksTest mode

$0of your money held by KestoPay. It settles in wallets you own.

2 waysto pay: Cash App, or USDC for customers who prefer it.

100%of a failed payout returned to you, fee included.

Products

Everything you need to move money. Nothing you don't.

01 · Checkout

A checkout your customers already know how to use.

Customers tap "Pay with Cash App" and approve in the app they use every day. Prefer crypto? They can send USDC on Solana with a QR code.

Payment link, hosted checkout or API
Price locked while your customer pays
No card chargebacks

Sarah's Shop$10.00

$Pay with Cash App Pay with USDC

Order A-219 Price locked for 14:52

Send USDC on Solana

10.00 USDC 7xKX…9fQm Watching for your payment

Payout balance $18,240.75

M $mike_rAutomatic · under your limit $120.00✓ Sent

T $tasha.bAutomatic · under your limit $64.50✓ Sent

J jane@cash.appAbove $1,000 · needs your passkey $1,200.00

D $dee_kAutomatic · under your limit $30.00✓ Sent

K $kofiScheduled from CSV $45.00Queued

02 · Payouts

Pay anyone with a $cashtag. Safely.

Send one payout or thousands from a CSV. Small ones go out on their own; big ones wait for your passkey. Try it: tap Approve.

Limits and second approvers you set
Failed payout? Full amount and fee come back
Every payout sent once, even if you click twice

03 · Your wallets

Your money lives with you. Not with us.

Choose where every payment settles. Keep most of it in your treasury, which only moves with your approval, and a small, capped balance for payouts.

Incoming payment$1,000.00 Cash App · Order A-301

Treasury $800.00

Moves only with your passkey

Payout balance $200.00

Capped, follows your rules

KestoPay balance: $0.00

Sound familiar?

DMs, screenshots and a spreadsheet called FINAL_v3.

Messages · 9:41 PM

sent $20 did u get it?? hello?? 😤 checking, which order was it?

who_paid_FINAL_v3.xlsx

NameAmountPaid? $mike_r20.00yes? $tasha.b#REF!?? $dee_k30.00check TOTAL#VALUE!

Screenshot_2291.png

"proof" of payment

Is this real? Can't tell.

23 unread

To pay out tonight 😩

48 people to pay, one by one
Was it $deek or $dee_k?
Did I already pay Kofi??

7 / 48

⚠ PAID TWICE $45.00 sent to $kofi again No way to get it back.

11:58 PM Still reconciling. 3 hours of copy, paste, check.

Who it's for

Built for businesses like yours.

If your customers already live in Cash App, KestoPay lets you meet them there, and pay them back there too.

Online shops

Take Cash App at checkout, without a card processor in the middle.

Checkout

Communities and rewards

Collect from members and send rewards straight to their $cashtags.

Checkout + payouts

Creators

Sell, get tipped, and pay your collaborators from one place.

Payment links

Marketplaces

Collect from buyers and pay your sellers on your own schedule.

Payouts

For developers

Live in an afternoon. Or with no code at all.

Start with a payment link, send customers to our hosted checkout, or build on a clean REST API with test keys from day one.

Terminal · test mode

# In your dashboard: Payments → New link
# Amount, description, done. Share it anywhere:

https://pay.kestopay.com/l/…

# Every payment shows up in your dashboard,
# tied to the link that created it.

curl https://api.kestopay.com/v1/payment-intents \
  -H "Authorization: Bearer kp_test_…" \
  -H "Idempotency-Key: order-A-219" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "10.00",
    "description": "Order A-219",
    "merchant_order_id": "A-219"
  }'

# → { "id": "pi_…", "status": "CREATED", ... }

curl https://api.kestopay.com/v1/payouts \
  -H "Authorization: Bearer kp_test_…" \
  -H "Idempotency-Key: reward-8812" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "50.00",
    "recipient": { "type": "cashtag", "value": "$jane_d" }
  }'

# Same Idempotency-Key twice? You get the same payout back.
# It is never sent twice.

Test keys never touch real money

Every payout passes five gates

01CheckedRecipient and risk checks
02Within limitsYour caps and rules
03ApprovedYour passkey on big ones
04Sent onceNever paid twice
05RecordedEvery step logged

Security

Built so we can't touch your money.

Your money settles in wallets you own. Big payouts wait for your passkey. And every action is recorded, so nothing happens quietly.

Your keysWallets are yours. We never hold your money.

Passkey approvalsBig payouts wait for you, on your device.

Limits you setDaily caps, second approvers, saved recipients.

Full historyEvery action recorded, so you know who did what.

How we keep you safe →

Approve payout $1,200.00 to jane@cash.app Use your passkey to approve Over your $1,000 limit, so it waits for you. Nobody else can approve it.

Questions, answered.

Do you ever hold my money?

No. Payments are delivered straight to wallets you own. Your treasury only moves with your approval; your payout wallet holds a small, capped balance that follows your rules.

What does my customer need?

Just Cash App. They tap "Pay with Cash App" and approve. Customers who prefer can send USDC on Solana instead.

What if a payout fails?

The full amount, including our fee, goes back to your payout balance automatically.

Can payments be charged back?

There are no card chargebacks: customers pay from Cash App, not a card. Refunds are up to you, sent as a payout.

Who can use KestoPay?

Businesses that pass a short business check. We're onboarding our first merchants now. Get in touch for early access.

When can I start?

KestoPay is in early access. Developers can build against test mode with test keys; live payments open to approved merchants after launch.