Non-custodial · instant A2A · all 50 states

Cash, instantly.
Just look.

Online cash payment, made simple: no cards, no data shared or held. One glance authorizes the payment and money moves bank to bank — the merchant receives an instant cash payment. rostopay never touches your funds.

Pay with rostopay
POWERED BY TRUSTED RAILS Plaid Polygon Stripe Sieve
Man questioning his debit card
ID verified · Brian C.
LIVENESS ✓ · 68 BPM
Instant recognition · 0.4s ✓
rostopay INSTANT PAYMENT
Subtotal$328.34
rostopay cash off · 2%− $6.57
Total$321.77
SETTLED INSTANTLY · 24/7/365 ✓
DO THE MATH

If debit is money, why not send the cash and save?

Why pay fees embedded in your purchase just to use a card, when the money is already in your account? Let’s save: pay in cash, take the discount — and the payment is delivered online to the merchant, instantly.

One-time job · under 1 minute

Enroll once. Never type at a checkout again.

1 Scan your face
2 Sync your bank
3 Add delivery address
✓ Pay online and get delivery — no forms
✓ Cash lands instantly, bank to bank
✓ Save the money card fees eat — 2%+ off in cash
Enroll now
ALWAYS FREE TO PAYEE
WHY ROSTOPAY

Your face. Your token.
Your money.

Secure and cheaper than your cards — everything happens on your device, sealed with end-to-end cryptography.

Enrolled user pointing at her face
ID verified · Katy R.
Instant recognition · 0.3s ✓
LIVENESS ✓ · 72 BPM
No coercion · no deepfake ✓
tx 0x5A9D…E77 verifiable ✓
Dataless payments
Your biometrics and payment data never leave your device — nothing on our servers to leak, sell or breach.
Only your face authorizes
A live face token from your biovital markers, with deepfake detection. No number to steal, skim or phish.
Cash lands instantly
Money moves bank to bank in 0.9s — non-custodial, rostopay never touches your funds.
No checkout forms, ever
One enrollment, every store: no card numbers or addresses to retype — online, delivery or in store.
End-to-end encrypted
Irreversible encrypted templates and signed payment events — verifiable by hash on verify.rostopay.com.
Save on every purchase
Skip the 2–3% card processors keep: pay in cash with your face and take the 2%+ discount.
PRIVACY-FIRST BIOMETRICS

Your face never leaves your device's math

Enrollment converts your face into an irreversible encrypted template — no photo is stored, anywhere. Every scan captures a fresh live token signed on-device; each payment is a distinct signed event. Licensed money transmitter in all 50 states, SOC 2 Type II audited.

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INSTANT SETTLEMENT

Online or physical purchases now paid in cash — transferred instantly. Free to send, cheaper to receive.

Card networks settle in days and take chargebacks. rostopay moves real funds account-to-account the moment the face clears — non-custodial, money never sits with us. Buyers get a 2%+ cash discount, governed by the owner.

0.9s
median settlement
0
chargebacks
2%+
cash discount for buyers
Settlement flow LIVE
Shopper
Their bank
Merchant bank
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{{ t.amount }}
TODAY
$4,812.30 settled
Oak Coffee merchant
Oak Coffee & co. · Downtown
Secured by rostopay
FOR MERCHANTS

One portal runs the whole store

Charge by QR at the counter, drive-thru or valet. Sell online with face checkout. Invoices, Shopify sync, reports, multi-unit locations — and a team that logs in by face, with no passwords and no money-out for field staff.

✓
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Explore the merchant portal →
FOR MERCHANTS · ONE BIOMETRIC RAIL

All in-one

Forget forms, checkout fields, registration steps and separate liveness ID verification — rostopay delivers everything in one single event, for a flat fee included in the payment.

Payment + KYC / AML + Biometric liveness + ID verification + customer data = Zero-friction checkout · <3s 1s 2s 3s
Payments
Face-authorized instant A2A settlement — online, in lanes and on devices.
Biometric liveness
Biovital pulse + micro-movement checks on every scan — photos, videos and masks rejected.
KYC / AML
Enrollment-time identity verification, sanctions & watchlist screening, ongoing monitoring — audit-ready.
ID verification + customer data
Verified identity and delivery-ready customer profile captured and delivered with the payment — in under 3 seconds.
One single event, one flat fee included in the payment — no per-check IDV vendors, fraud tooling or chargeback programs. Price it for your volume →
THE OFFICIAL SDK

Face checkout in your store, in seven lines

Drop the rostopay SDK into any ecommerce checkout. We handle camera permission, liveness, matching and the instant A2A transfer — you get a payment.settled webhook and a redirect with the transaction id.

✓ Drop-in button, hosted payment links, or full API
✓ Co-brand — your checkout, "Secured by rostopay" seal
✓ Sandbox faces + test banks out of the box
// npm i @rostopay/checkout
const session = await rostopay.sessions.create({
amount: 875, currency: 'usd',
settlement: 'instant',
verify: 'face+liveness',
return_url: 'https://yourstore.com/thanks'
});
// → webhook: payment.settled (0.9s)
// → proof: sieve_id + tx hash on verify.rostopay.com

Leave the wallet.
Bring your face.

Free for shoppers. Enroll with any U.S. bank account in under 30 seconds.

Pay with rostopay Open a merchant account

Explore rostopay

Online cash payment, biometric checkout and pay-with-your-face resources.