Buyers pay you directly in USDC on Solana, wallet to wallet. Our fee comes out of the same transaction — 2.5%, nothing else. No account review, no chargebacks, no reserves.
| CCBill | Segpay | Kelbilos | |
|---|---|---|---|
| Fee | 10.8–14.5% | 4–15% | 2.5% |
| Reserve | 0–20% held 90–180 days | varies, often held | none — we never hold your funds |
| Payout | weekly | weekly | same transaction, ~400ms |
| Chargebacks | possible | possible | not possible — payments are irreversible |
| Account review | days to weeks | days to weeks | none — a wallet address is the account |
Register a creator with a wallet address — no KYB, no onboarding flow, a wallet address is the account. Every sale splits automatically: creator payout, platform cut, and our fee settle in the same signature the buyer approves. No Stripe Connect onboarding, no payout runs, no 7-day settlement — one API call.
POST /api/intents
{ "amount_usdc": "19.990000", "description": "Pro plan" }
→ 201
{ "checkout_url": "https://pay.kelbilos.com/abc123", "intent_id": "abc123" }
Buyer opens the checkout URL and pays from their wallet.
Your webhook fires the moment the transaction confirms
on-chain — no polling required.
This is the design laid out in our spec. Nothing is deployed yet — see below.
When a buyer pays, their wallet signs one transaction that sends USDC directly to your wallet and our fee to ours, at the same instant. The funds never pass through a Kelbilos-controlled account, because there isn't one for them to pass through. We can't hold, delay, or freeze your money — we never have it.
I built a platform. No payment processor would take it. I patched together a workaround on Stripe, and it got destroyed by stolen-card fraud until I had to shut it down. This is the payment rail I wished existed at the time.
— Founder & CEO, Kelbilos
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