Bitcoin In, Dollars Out

Accept Bitcoin
Get Paid Instantly

Accept Bitcoin payments for your business and receive dollars, easily, from anywhere. Eliminate chargebacks and slash processing costs.

Start Accepting Bitcoin Learn More

empowering businesses across industries

Merchants Vending & Kiosk Restaurants Retail Mobile Web Stores Grocers

How It Works

Bitcoin In, Dollars Out
Instantly

riverArk lets merchants accept Bitcoin over the Lightning Network and receive USD instantly. No crypto held, no volatility exposure, no waiting on settlement.

Customer Pays in Bitcoin

Lightning payments confirm in seconds at existing POS terminals, vending machines, online carts and smartphones - no hardware replacement required.

Instant Conversion

Every payment converts to USD at the moment of sale. The price you quote is the price you get.

Your Account is Funded Instantly

USD arrives in your business deposit account the moment the sale completes. No multi-day settlement window, no crypto balance to manage.

✓

Non-Custodial by Design

riverArk never takes possession of customer or merchant funds. Payments flow directly to the merchant's account - we facilitate as an agent of the payee.

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Better Than Card Rails

Lower cost than card rails. No chargebacks - Bitcoin payments are final. Instant access to funds instead of a multi-day hold. And a customer base actively looking for places to spend crypto.

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Predictable Economics

Transparent per-transaction pricing with a Conversion Protection Fee that guarantees the merchant's quoted USD amount regardless of market movement during the transaction.

Retail POS

Accept 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 in Bitcoin and you receive USD in your account the moment the sale closes.

✓

Instant USD Settlement

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

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No Chargebacks

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

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Lower Cost Than Card Rails

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

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Two Ways to Get Started

Integrate riverArk into 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

Success Rate

100%

Average Invoice

$35.09

The Process

Get Started

Create Your riverArk Account

Link Your Deposit Account

We'll help you setup a bitcoin deposit account and link it to riverArk. This is where your funds land and convert to dollars - riverArk never holds them.

Set Your Conversion Protection

Optionally enable the Conversion Protection Fee to lock in your quoted USD amount regardless of market movement during the transaction.

Choose How You Get Paid

Receive every sale as instant USD, or keep it in Bitcoin. Your call, changeable anytime.

Ready to Accept Bitcoin
for Your Business

Start accepting 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}"

USD lands in your deposit account.

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.

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Drop-In API

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

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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.

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Zero Fraud Exposure

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

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Price in Dollars, Get Dollars

Quote in USD. The Conversion Protection Fee guarantees your quoted amount regardless of market movement between checkout and settlement.

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.

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Simple API Integration

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

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Instant Settlement, No Cash Handling

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

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Built for Machine Operators

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

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Integrators Create New Residual Revenue

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

Bitcoin-Enabled Vending Machines

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 Bitcoin Get Paid Instantly

Bitcoin In, Dollars Out Instantly