High-Risk E-Commerce
The checkout Stripe won't give you.
Vape hardware, smoke-shop gear, kratom, nutra, adult, replica, 2A accessories - you sell a legal product worldwide, and payment processors still drop you, hold your money, and eat your margin with chargebacks. Offbank is a drop-in USDC checkout you paste into any store: customers pay in stablecoin, it settles to your wallet in under a second, 1% flat, and there's no processor left to freeze you.
<1s
Settlement to your wallet
1%
Flat, vs 5-15% high-risk stacks
0
Chargebacks - payments are final
Why traditional rails fail you
Banks, processors, and money movers weren't built for the friction your category deals with daily.
Stripe, PayPal & Shopify Payments ban your category
Vape, smoke accessories, kratom, nutra, CBD-adjacent, adult and 2A gear get flagged as prohibited. Accounts get shut off mid-season with your balance held for 90-180 days.
High-risk processors bleed your margin
The processors that will take you charge 5-15%, hold rolling reserves, and add per-transaction penalties. On thin-margin hardware that's the difference between profit and loss.
Chargebacks and 'friendly fraud' pile up
Card customers dispute weeks later - 'didn't recognize the charge.' You eat the product, the refund, and a fee, and your dispute ratio gets you deboarded.
Cross-border customers don't convert
Your customers are global; card acceptance and FX aren't. International cards decline constantly, and the ones that clear cost you 3-4% in cross-border fees.
How Offbank fixes it
Non-custodial USDC settlement on Solana. 1% flat. Cash out to USD via Sphere whenever you need it.
A checkout you paste into any store
One <script> tag adds an Offbank 'Pay with USDC' button to Shopify, WooCommerce, or a custom store - cart total in, wallet or QR out. No plugin approval, no category review, no processor onboarding.
No chargebacks, ever
On-chain payments are final on confirmation. A paid order can't be clawed back weeks later, so friendly fraud disappears and your dispute ratios stop being a liability.
B2B invoicing for wholesale
Run both sides of the business: the checkout takes retail orders, and USDC invoices bill your wholesale buyers. Email a payment link, they pay on-chain, and it reconciles itself - net-terms without the 90-day processor reserve or the wire fees.
Sell to anyone, anywhere
USDC clears from a customer in Berlin exactly like one in Denver - same speed, same 1% cost. No declined international cards, no FX spread eating the sale. Cash out to USD on your own schedule.
Where operators use it
- Vaporizer & dry-herb hardware brands (DTC and wholesale)
- Smoke shops, headshops & accessory retailers online
- Kratom, kava & botanical stores
- Nutraceuticals, peptides & supplements flagged as high-risk
- Adult products and content storefronts
- Firearms accessories, optics & 2A gear (non-FFL items)
Built for regulated, scrutinised commerce.
KYB, OFAC screening, BSA/AML monitoring, and on-chain auditability on every settlement and every counterparty.
- Optional buyer KYC for regulated SKUs (Sumsub) - age / ID checks
- OFAC / sanctions wallet screening on incoming payments (Range)
- Full on-chain receipt for every order - timestamped and signed
- Non-custodial: funds settle to your wallet, never pooled with ours
- Merchant KYB so your bank and off-ramp partner stay comfortable
- Exportable audit trail for chargeback-free reconciliation
Common questions
Do my customers need a crypto wallet to check out?
No. They can pay from any wallet they already have (Phantom, Solflare, MetaMask, or a mobile wallet via QR). First-timers can be walked into a managed wallet - the crypto layer stays invisible at checkout.
How do I add it to my Shopify / WooCommerce store?
Drop in one script tag and call OffbankCheckout.open() with the cart total on your 'Pay' button - or use a payment link if you don't want to touch code. It renders an embedded checkout over your store; the order is confirmed on-chain before you fulfill.
What stops someone from tampering with the price?
For store checkouts you create a server-side checkout session (amount fixed on our server), and we verify the on-chain payment against it before firing your 'order paid' webhook. The buyer can't change what they owe.
Is Offbank a payment processor or money transmitter?
No. Offbank is non-custodial infrastructure - USDC moves wallet-to-wallet and we never hold it. You keep responsibility for your product's legality in each market; we give you the checkout, screening, and audit trail.
Get paid in seconds, even when banks won't.
Self-serve onboarding. KYB in minutes. 1% flat. No custody.
Get started