BlackOak · Connected commerce
Make every transaction mean more.
Stop settling for expensive, fragile card-only acceptance. BlackOak is being designed to give Merchants and Providers flexible payment infrastructure, the potential for better economics, and loyalty embedded into every eligible transaction.
Coming soon · Early network forming
- Payment accepted$240.00Eligible transaction
- Inside BlackOakPayment + loyalty connectedOne connected experience
- Value createdIllustrative savingsUp to $5.40Illustrative rewards+240 pts
- Next action3× return offer Customer returns
CommerceLower-cost acceptanceMarketplaceRewards + LoyaltyConsumer experienceAudience Ecosystems
One transaction · Compounding value
Watch the BlackOak network come alive.
Choose a perspective. The same transaction creates a different, measurable reason for every participant to join.
Merchant + Provider outcome
Keep more value. Build the next visit.
BlackOak is being designed to connect payment resilience, visible movement, and embedded loyalty—turning a completed payment into an ongoing customer relationship.
Illustrative demo data—not historical BlackOak performance. DirectPay 1.25% (max $5), card 3.75%; actual pricing, eligibility, rewards, and outcomes vary by payment method, Merchant, program, underwriting, and applicable terms.
Built to reconcile
Ask your processor to show its work.
Three views from the BlackOak product design. Every figure on this page is illustrative, but the arithmetic is the arithmetic the product is being built to show.
Every deposit, reconciled to the cent.
Most processors hand you a total and leave you to work backwards. This is the arithmetic behind the number — what came in, what was held, what was charged, and what actually landed in the bank.
| Line | Detail | Amount |
|---|---|---|
| Gross | 44 eligible transactions | $3,120.00 |
| Processing fees | 1.25% of gross | −$39.00 |
| Reserve held | releases 26 Sep 2026 | −$240.00 |
| Net to bank | settled same day | $2,841.00 |
Shopify shipped a payout relabeling as a headline feature. Stripe’s own documentation concedes it cannot reconcile an instant payout. This is the part of the product we are building first.
Join the first cohort ↗Illustrative figures from the BlackOak product design. Not pricing, a projection, or a commitment. Reserve policy, fee structure, dispute handling, and availability remain subject to partner, bank, network, legal, and regulatory requirements.
The BlackOak Effect
See how value moves for every participant.
Choose a perspective to see how one transaction can create value across payments, settlement, rewards, loyalty, and engagement.
Merchant + Provider view
From checkout to available funds — with the economics visible.
Most Merchants and Providers cannot build reliable, flexible payment infrastructure at scale. BlackOak is being designed to provide flexible acceptance, the potential for meaningfully better payment economics, and embedded loyalty in one connected experience — without forcing them to assemble the infrastructure themselves.
Step 1 of 5 · Payment accepted
Payment accepted
$240.00Authorized successfullyCost optimized
Up to $5.40Illustrative saving; actual cost varies by payment methodReconciled, not summarized
Line by lineEvery fee and hold shown before the deposit landsLoyalty funded
+240 ptsEarned at this shop, redeemable at this shopCustomer retained
3× next visitLoyalty action issuedStandard card-only Merchant3.50% to 5.00% versus Inside BlackOakPotential savings $5.40 to $9.00 on $240
High-risk card-only Merchant7.00% to 9.00% versus Inside BlackOakPotential savings $13.80 to $18.60 on $240
Inside BlackOakOne connected payment and loyalty experienceDirectPay: 1.25%, capped at $5; card is 3.75% at the current platform volume
Illustrative demo data—not historical BlackOak performance. Rates and savings are scenario assumptions—not BlackOak pricing, projections, commitments, or guarantees. DirectPay is 1.25% of the order, capped at $5.00 — above a $400 order the cap means the effective rate falls. Card is a separate rate. Eligibility, underwriting, payment mix, returns, disputes, and other costs can change actual economics. High-risk card pricing varies by Merchant, vertical, and underwriting.
Explore the platform
Five connected capabilities. One BlackOak ecosystem.
Each capability solves a real problem on its own. Together, they connect payment acceptance, customer identity, rewards, discovery, Brands, and trusted audiences.
Coming soon
Accept payments for less. See what happens next.
Commerce is being designed to give card-dependent Merchants and Providers something difficult to build alone: flexible acceptance at scale, the potential for materially better payment economics, visible funds, and loyalty embedded into eligible transactions. BlackOak is being designed to manage the complexity while the Merchant keeps the relationship.
- Stable, flexible payment acceptance at scale
- Flexible acceptance across supported payment methods
- Reliable payment and exception operations
Commerce overview Illustrative activity
Potential savings: $5.40 to $9.00 on $240Potential annual savings: up to $558,000Illustrative maximum at 3.75 percentage points × $14.88M annual volume. Actual cost depends on the payment method selected.
Audience Ecosystems
Built around communities people already trust.
BlackOak is being designed to give institutions, Teams, entertainment Brands, and affinity organizations infrastructure that can turn existing trust into sustainable commerce, loyalty, and measurable participation.
Education + NIL
Schools · universities · student-athletes · alumni · fans · local Merchants
Route everyday commerce through a connected campus ecosystem that rewards participation, supports athletes, and creates institution-controlled revenue without constantly dialing alumni for donations.
Sustainable revenue · NIL support · Alumni loyalty · Campus commerceSports + Fandom
Teams · leagues · athletes · fans · sponsors · venue and local Brands
Turn ticketing, merchandise, concessions, memberships, and partner purchases into a year-round fan relationship with rewards, access, sponsor activations, and measurable Team-owned engagement.
Fan identity · Team revenue · Sponsor value · 365-day engagementEntertainment
Artists · venues · promoters · events · audiences · commercial partners
Connect pre-event discovery, on-site commerce, exclusive access, merchandise, rewards, and the next event so the relationship continues after the lights go down.
Member access · Merchandise · Brand activations · Repeat attendanceAffinity + Membership
Military · veteran · professional · employer · association communities
Give trusted member organizations a configurable commerce and benefits ecosystem that creates tangible member value while funding the mission through aligned Merchant and Brand participation.
Member benefits · Trusted discovery · Mission revenue · RetentionAudience Program structures, economics, rewards, allocations, and participation are illustrative and subject to applicable law, institutional or league rules, partner requirements, eligibility, and final agreements.
Coming soon · Early network access
Get inside before your market does.
Every month on card-only acceptance has a number attached to it. Work out yours below — then take a place in the first cohort.
What early access gets you
- ✓Pricing on the table first. Founding participants see the full economics before anything is signed — no rate card discovered after go-live.
- ✓Priority onboarding. First cohort in, ahead of general availability.
- ✓A hand in the build. Direct input to the roadmap and a named contact through the pilot.
We onboard in small cohorts, so where you sit in the queue decides which one you land in.
$27,900 – $46,500$334,800 – $558,000 a year
The spread between a 3.50%–5.00% card cost and DirectPay at 1.25%, capped at $5, applied to the volume you entered. Illustrative — not pricing, a projection, or a commitment. Actual cost depends on the payment method selected, eligibility, and underwriting.