What are the pros of Decal?

Drops into existing Square POS hardware — low switching cost. Customer side needs no wallet, app, or signup. Lower fees and faster settlement than card rails. Yield-funded rewards is a genuinely novel loyalty mechanic. Demonstrated early real-world traction.

What are the cons of Decal?

Live POS support is Square-only for now. Yield/APY depends on external rates and is not guaranteed. Stablecoin regulatory and depeg risk. Funding and full team largely undisclosed.

How much does Decal cost?

Decal offers a free tier with optional paid upgrades. ~1% per-transaction fee vs ~3.5% for cards (self-reported); stored balances cited at ~7% APY.

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Payment Tools · Solana

Decal

Stablecoin payments & loyalty for merchants

Payment Tools

Healthy

Rating

5.0★

1 review

Health

100/100

Checked 13d ago

Pricing

Freemium

~1% per-transaction fee vs ~3.5%…

Updated

Oct 2026

Payment Tools

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What Decal actually does.

Decal is a stablecoin payments, stored-value, and loyalty platform that lets merchants accept crypto through their existing point-of-sale hardware. Customers scan a QR code at checkout and pay from a familiar web flow with no app or signup, while merchants get near-instant settlement at lower fees than card processors. Its distinctive angle is yield-funded loyalty: customers can preload balances that earn interest, and merchants fund rewards from that yield instead of their margins. It is built on Solana with embedded wallets powered by Para and launched first on Solana Mobile (Seeker).

Live health

Uptime, SSL, response time.

Health & Activity

Uptime 30d

100.0%

Website

Online

SSL

Valid

Social Activity

Active(15d ago)

Last checked: 13d ago

Latest from @useDecal

15d ago

Square and Mindbody take a cut of every dollar you make. Decal Treasury does the opposite. Your idle balance earns up to 8% annually, automatically, no lockups.

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Key features

What's in the box.

QR-code stablecoin checkout (no app/signup for customers)
Accepts USDC, USDT, PYUSD, USDG, and USDS
Near-instant settlement
Square POS integration (Clover/Lightspeed/Shopify coming soon)
Stored-value balances that earn yield
Yield-funded loyalty/rewards programs
Merchant dashboard with loyalty tracking
Embedded wallets powered by Para

Verdict

The honest tradeoffs.

Pros

Drops into existing Square POS hardware — low switching cost
Customer side needs no wallet, app, or signup
Lower fees and faster settlement than card rails
Yield-funded rewards is a genuinely novel loyalty mechanic
Demonstrated early real-world traction

Cons

Live POS support is Square-only for now
Yield/APY depends on external rates and is not guaranteed
Stablecoin regulatory and depeg risk
Funding and full team largely undisclosed

Pricing

What it costs.

FREEMIUM

~1% per-transaction fee vs ~3.5% for cards (self-reported); stored balances cited at ~7% APY.

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Reviews

What users say about Decal.

Reviews (1)

Decal makes payments super smooth — invoices, payouts, and crypto-to-fiat all happen in one place without the usual headaches. The fees are low and settlements are fast, so it actually saves me time and money every week.

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Payment Tools · Solana

Decal

Stablecoin payments & loyalty for merchants

Payment Tools

Healthy

Rating

5.0★

1 review

Health

100/100

Checked 13d ago

Pricing

Freemium

~1% per-transaction fee vs ~3.5%…

Updated

Oct 2026

Payment Tools

What Decal actually does.

Live health