About
Infrastructure, not a consumer product
We provide white-label technology infrastructure
for crypto direct debit — enabling automated,
cryptocurrency payments directly from users'
wallets.
Our platform allows fintechs,
digital-asset platforms, and financial
institutions to integrate seamless payment
functionality under their own brand, backed by our secure
and scalable blockchain-based technology.
Visa's published research
on auto-payments for self-custodial wallets reached the
same conclusion: a smart contract cannot initiate its own
transactions, so recurring payment requires an account that
can delegate authority under pre-set rules. BlockDebit
implements that model on EVM networks today.
We do not provide direct-to-consumer services. Our focus is on empowering partners to deliver fully branded, compliant, and reliable crypto payment solutions.
Universal Compatibility:Works seamlessly with all non-custodial wallets on the Ethereum network.
Mandate lifecycle
01 · Authorise
The payer signs a mandate defining payee, amount, frequency, duration and maximum. The authorisation is recorded on-chain.
02 · Collect & transfer
The payee's call triggers a transfer. The contract validates it against the stored rule and reverts anything outside it. Funds move payer to payee directly — no intermediary account holds them.
03 · Revoke or expire
The payer can revoke unilaterally at any time, and mandates lapse at their end date. Either way, no further collection is possible.
Capabilities
Key Features
Non-custodial by construction
No private keys shared, no pooled account, no balance held. There is no custody step available to fail.
Contract-enforced limits
Mandate rules live in the contract. Collection outside the authorised amount, frequency or window reverts on-chain.
Networks & assets
EVM-compatible chains and ERC-20 tokens, with Polygon preferred because low network fees make everyday recurring amounts viable.
No chargebacks
Transfers are final. There is no card-network dispute path and no reserve requirement against one.
Auditable end to end
Every authorisation, collection, revocation and expiry is a public on-chain event, verifiable without access to our systems.
White-label deployment
Deployed under your own brand. Your merchants and users never see ours.
Guarantees
What a mandate cannot do
The limits below are properties of the contract, not policies we apply. They hold whether or not our systems are running.
Collect more than the authorised amount, or more often than authorised
Continue past its end date, or after revocation
Move any asset other than the one authorised
Be modified by the payee, or by us, after signing
Reach any balance beyond the mandate's scope
Frequently asked questions
Still have questions?
Can’t find the answer to your question? Send us an email and we’ll get back to you as soon as possible!
BlockDebit is a Crypto Direct Debit infrastructure — a pull-based payment layer built on the blockchain. Traditional crypto payments are "push-based," meaning every transaction must be manually initiated by the user. BlockDebit changes this by enabling merchants to collect payments automatically, just like SEPA Direct Debit or ACH, but enforced entirely on-chain with no banks or card networks involved.
It works through mandates: a user pre-approves a payment rule defining the amount, frequency, duration, and maximum limits. Once approved, the merchant can collect payments within those agreed parameters without requiring any manual action each time. All rules are enforced automatically by the blockchain — transparent, immutable, and revocable at any time by the user.
BlockDebit operates on EVM-based blockchains and supports ERC-20 tokens, with Polygon as the preferred network due to low network fees. This means users can make recurring payments in supported stablecoins and digital assets without incurring gas fee friction. Support for additional EVM-compatible networks may be available depending on your integration — contact us for details.
Security is built into the BlockDebit architecture at every level. BlockDebit is non-custodial — it never holds or accesses user funds, and no private keys are ever shared at any point in the payment flow.
Mandates are enforced on-chain by the blockchain itself, meaning consent is transparent and immutable — they cannot be reversed or altered by a third party. There are no chargebacks, no card network vulnerabilities, and no banking rail dependencies. The entire payment lifecycle is visible on-chain and fully auditable.
Yes — full control always remains with the user. Users can view every active mandate, see exactly what they approved — amount, frequency, and limits — and revoke any mandate at any time. No merchant can ever collect outside the pre-approved parameters set at the point of authorisation.
This transparent, consent-based framework is a core design principle of BlockDebit. It directly addresses the consumer distrust that surrounds opaque subscription billing, reducing disputes at the source and giving both merchants and users a clear, verifiable record of every agreement.
BlockDebit is available as a standalone white-label APM. Payment processors, acquirers, and platforms can integrate BlockDebit directly and deploy it under their own brand — giving their merchants access to pull-based crypto payment infrastructure without building it from scratch.
