Payment acceptance
A flexible commerce layer designed to support payments, customer experiences, and the operating workflows around each transaction.
BlackOak Commerce
A commerce foundation
built to grow with you.
BlackOak Commerce is being built for organizations that need payment acceptance, merchant onboarding, settlement, reporting, and customer engagement to operate as one connected foundation.
Request early access01
Start with the transaction. Build the relationship around it.
Commerce should do more than accept a payment. The BlackOak approach connects the merchant experience, payment flow, operational reporting, and customer engagement so organizations can start focused and expand without rebuilding their operating model.
Merchant onboarding
Structured onboarding for merchants and providers, with the controls and review steps appropriate to the program and partner requirements.
Settlement + reporting
Clear reporting and settlement workflows built to give participating merchants more useful operational visibility.
Rewards + loyalty
A path to customer engagement, rewards, and value programs that can grow alongside the core commerce experience.
See what you could keep.
Move part of your card sales to bank payments and the difference stays with you. Set your own numbers.
Moving that share off cards could keep$15,975a year · $1,331 a month
On a $240.00 order, a card payment at 2.9% + $0.30 costs $7.26. The same order paid by bank through BlackOak costs $3.00.
Sample scenario — not pricing or a commitment. Subject to change. The saving comes from customers moving from card to bank, not from our bank price against someone else’s. Some processors price their own bank payments below ours; what they do not do is put bank first at checkout and reward the customer for choosing it. Basis: the share of your card sales you set, at a typical self-serve processor rate of 2.9% + $0.30, moved to a BlackOak bank payment at 1.25% of the order, capped at $5.00. Your pricing and terms are agreed in writing before you go live.
Why merchants choose BlackOak.
Lower cost on every bank payment
Customers pay from their bank in the same checkout as cards. You pay a percentage with a hard dollar cap, so large orders cost far less than a card.
Every dollar, dated
Each payment shows when it clears, when it releases and the day it lands in your bank. No more working backwards from a deposit.
No setup, monthly or PCI fees
You pay when you get paid. There is no platform fee to start and nothing to pay in a month you do not sell.
Disputes handled in the portal
Respond to a dispute with your evidence attached, see the clock on each case, and know exactly what is held and why.
Your checkout, your brand
Use our hosted pages, payment links, or the API inside your own site. Your logo and colors carry through.
Rewards your customers come back for
Fund points that redeem at your shop only, so the value you give away brings the customer back to you.
The portal you will run your business from.
Real screens from BlackOak Commerce.
- Bank payments first, debit and credit card next
- Hosted checkout and payment links
- API and embeddable checkout
- One payment across several shops
- Refunds and partial refunds
- Disputes and returned bank payments
- Release schedule and reserve view
- Team roles and permissions
- Reports, exports and tax documents
Concept — not representative of the current application. Sample data.
From application to first payout.
- 1
Apply in minutes
We look your business up and fill in what we can. You confirm it, add your owners, and sign.
- 2
Get verified
We verify the business and its owners as the law and our banking partner require. Many applications are decided straight away.
- 3
Take payments
Turn on hosted checkout, send payment links, or connect through the API.
- 4
Get paid on a schedule you can see
Releases are dated in the portal and pay out to your bank automatically.
Questions
When can I start?
Commerce launches at the end of 2026, with bank payments first. We onboard in small cohorts, and early-access requests are placed first.
What does it cost?
There are no setup, monthly or PCI fees. Bank payments are a percentage with a dollar cap. Your full pricing is set out before you sign anything.
Do my customers pay more?
No. BlackOak does not charge your customers, and the price is the same whichever way they pay.
Can I keep my current processor?
Yes. Many merchants start by offering bank payments alongside what they use today.
Part of one
connected system.
Commerce is the foundation. Organizations can begin with payment acceptance and merchant operations, then expand into marketplace participation, consumer engagement, or an affinity-led program as the business is ready.
Coming soon · Early network access
Get inside before your market does.
Commerce is being built now, with the first cohort. Where you sit in the queue decides which cohort you land in.
- ✓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.