Accept Cash App and Bitcoin.
Get paid in dollars, instantly.

Customers pay from their Cash App dollar balance or any Lightning wallet. You receive dollars in your own account in seconds, with no chargebacks and lower processing costs than cards.

Start accepting payments Learn More

Cash App at the counter → Non-refundable deposits → Cash App for unattended →

Works with Cash App, Strike, and every Lightning wallet.

lower fees settles instantly zero chargebacks

empowering businesses across industries

Unattended Retail E-Commerce Restaurants Collectables Service Mobile Business Grocery

Your customers already have it

Roughly 58 million monthly Cash App users can pay you from their dollar balance.

Verified Cash App users can pay a Bitcoin invoice straight from dollars. They never hold Bitcoin. You never touch it. Dollars land in your own account in seconds.

Show the total

Ring it up on any phone or tablet at the register, or send a payment link. A payment QR for the exact amount appears.

They pay from Cash App

Verified Cash App users scan and pay from their dollar balance. Strike and any Lightning wallet work too.

Dollars in your account

The full sale amount settles to your own account in seconds. Final, so no chargebacks.

✓

Non-Custodial by Design

riverArk never takes possession of customer or merchant funds.

✓

Better Than Card Rails

Lower costs with no chargebacks and instant access to funds.

✓

Predictable Economics

Transparent pricing based on riverArk sales volume. Free to start.

Two ways to get paid

Start at the counter. Or start with deposits.

Cash App at the counter

Ring up the total on any phone or tablet and verified Cash App users scan to pay. Free for your first register.

See Cash App at the counter →

Non-refundable deposits

Text a deposit link for an appointment, custom order, or hold. Paid from Cash App or Bitcoin and final the moment it lands.

See non-refundable deposits →

Card reader vs riverArk

Everything a card reader isn't.

Keep your card reader for cards. Put riverArk next to it for everyone paying with Cash App or Bitcoin.

1%

For stores and online checkout, 1% is the maximum cost per payment.

Conversion is on the customer's side of the payment, so you receive the full amount of every sale. No per-swipe fee, no hardware lease, no chargeback fees.

1.00% up to $5,000 a month0.85% to $25,0000.75% above

Card reader

riverArk

Hardware

✕A reader to buy or lease

✓The phone or tablet you already have

Disputes

✕Customers can charge back after the sale

✓None. Every payment is final

Your cost

✕1.5% to 3.5%, plus per-swipe fees

✓1%. The customer covers conversion

Retail POS

Accept Cash App and Bitcoin at the Counter
Settle in Dollars Instantly

For retailers, restaurants, and grocers running a physical point of sale. Whether you integrate riverArk into your existing POS or run our web-based terminal, customers pay from their Cash App dollar balance or in Bitcoin, and you receive USD in your account instantly.

✓

Instant USD Settlement

Bitcoin converts to dollars at the point of sale. Funds land in your deposit account immediately, not in three business days.

✓

No Chargebacks

Bitcoin payments are final. No disputes, no clawbacks, no fraud reserves.

✓

Lower Cost Than Card Rails

Transparent per-transaction pricing with no interchange, no monthly minimums, and no PCI surcharge.

✓

Two Ways to Get Started

Run riverArk Web POS in parallel with, or integrate with, your existing POS. No new hardware required.

Retail POS Dashboard

Track your payments in real-time

Sample data

Total Revenue

$3,403.34

Total Invoices

97

Success Rate

100%

Average Invoice

$35.09

Get started

Up and running in four steps.

1

Create your riverArk account

Sign up in minutes. No hardware, no contracts, no setup fees.

2

Connect your Strike account

Link your own deposit account. Payments settle there, in dollars. Approval usually takes 1 to 2 days.

3

Set Dynamic Pricing options

Optional: Conversion Protection adds a small surcharge the customer pays, or Bitcoin Discount gives them one.

4

Choose how you get paid

Receive every sale as instant USD, or keep it in bitcoin. Change it anytime.

Sign up free

Ready to Accept Cash App and Bitcoin
for Your Business

Start accepting Cash App and Bitcoin at your counter, your machines, your checkout, or on the go - and get instant USD settlement on every sale. No hardware, no contracts, no chargebacks.

Get Started Today Contact Sales

Integrate in minutes

One API key. Three calls.

# 1. Verify your API key
curl https://ark.riverark.io/api/v1/ping \
  --header "Authorization: Bearer {YOUR_TOKEN_ID}|{YOUR_TOKEN_SECRET}"

# 2. Create an invoice
curl --request POST https://ark.riverark.io/api/v1/invoices \
  --header "Authorization: Bearer {YOUR_TOKEN_ID}|{YOUR_TOKEN_SECRET}" \
  --header "Content-Type: application/json" \
  --data '{
    "machine_id": "WEB-STORE-01",
    "trade_no": "ORDER-10482",
    "currency": "USD",
    "items": [{
      "description": "Order #10482",
      "amount": 49.00
    }]
  }'

# 3. Confirm settlement
curl https://ark.riverark.io/api/v1/invoices/{reference}/status \
  --header "Authorization: Bearer {YOUR_TOKEN_ID}|{YOUR_TOKEN_SECRET}"

Dollars settle to your own Strike account in seconds.

API Documentation

Web Store E-Commerce

Bitcoin Checkout
for Online Stores

Add a Bitcoin payment option to your storefront and receive USD instantly. Works alongside your existing payment methods - no replacement, no migration.

✓

Drop-In API

Authenticate with an API key, create an invoice, and confirm settlement. Full documentation included.

✓

Global Reach, No Borders

Accept payments from any customer with a Lightning wallet. No cross-border fees, no currency conversion spread, no regional card declines.

✓

Zero Fraud Exposure

Bitcoin payments cannot be reversed. Eliminate chargeback liability and the review queues that come with it.

✓

Price in Dollars, Get Dollars

Quote in USD. Customer pays the fee, you instantly receive exactly what you quote.

Unattended Retail

Crypto Payments for Machines
That Run Themselves

Vending machines, kiosks, car washes, laundromats, EV chargers and more. The riverArk payment API lets unattended terminals accept Bitcoin and settle to USD without a cash box, an attendant, or a card reader contract.

✓

Simple API Integration

Generate a Lightning invoice, display the QR, confirm payment in seconds.

✓

Instant Settlement, No Cash Handling

Every payment converts to USD immediately. No route driver collecting bills, no armored pickup, no deposit float.

✓

Built for Machine Operators

Per-machine attribution and transaction reporting across your entire fleet from a single dashboard.

✓

Integrators Create New Residual Revenue

riverArk API integrators earn revenue when their operator network uses riverArk.

Cash App for unattended operators →

Cash App & Bitcoin-Enabled Vending

No cash box to empty, no chargebacks to fight, and no three-day wait for your money - customers scan, and USD lands instantly in your deposit account before the machine vends. Check out the vending OPERATOR QUICK START guide.

Learn More Request a Quote

For Integrators

Integrators Earn Residual Revenue

Build riverArk into your machines and earn on every transaction your customers and operators run.

Integrator Partnerships

Accept Cash App and Bitcoin. Get paid in dollars, instantly.