BlackOak brings payment acceptance, a consumer account and card, and a marketplace onto one identity and one ledger. Merchants get paid more ways and see every dollar. Customers get one account that rewards them where they shop.
Real screens from BlackOak Commerce. One order, followed from the customer's checkout to the day the merchant's money lands.
Bank, debit and creditThe customer pays on the merchant's own site. Bank and debit card at launch, with credit card next, all in one checkout carrying the merchant's name. Two shops, one payment.
Concept — not representative of the current application. Sample data: BlackOak has not launched. Volumes, savings, points, members, repeat-visit rates, and activity shown on this page are sample scenarios — not BlackOak results, pricing, or a commitment. Subject to change.
Launching November 2026
Take payments by bank and debit card in your own checkout, through our hosted pages or the API, with credit card to follow. Every payment is dated from the moment it clears to the day it pays out.
Launching early 2027
An everyday account with a BlackOak debit card, in metal and plastic and in your phone wallet, held at our partner bank and built on the same identity as every BlackOak merchant.
Pilot opens December 2026
A curated marketplace of BlackOak merchants, with one sign-in, one checkout across shops, and rewards each merchant sets for its own customers.
A customer who pays a BlackOak merchant, opens a Consumer account and shops the Marketplace is one person to us, verified once. A merchant manages Commerce and Marketplace from one portal. Each product works on its own, and each one makes the others better.
Take more ways to pay, see where every dollar is, and give customers a reason to return.
Embed BlackOak checkout and onboarding through the API, or send merchants to our hosted pages.
Universities, teams, entertainment and member organizations that want commerce their audience already trusts.
Tell us about your business and what you want to do. Joining the list commits you to nothing.
We look at what you sell, how you sell it, and whether it fits the programs we are opening first.
You complete an application, and we verify the business and its owners as the law and our banking partner require.
Once you are approved and set up, you start taking payments. Your pricing and terms are agreed in writing first.
We onboard in small cohorts. Founding participants see the full economics before anything is signed, get priority onboarding, and have a named contact through the pilot.
