The first Consumer Protection protocol on blockchain!

DeFi Payment Protocol that enables POS terminals on blockchains and brings consumer protection to crypto payments

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White paper
White paper
Download Merchant Token and the Hips Merchant Protocol white paper
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See our online documentation for in depth help around the Merchant Token and its protocols.
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Audited by CERTIK.IO
The Merchant Token is audited by CERTIK.IO. Please download the audit report to learn more.
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Hips Payment Group

Learn more about the organisation behind the Merchant Payment Protocol and Merchant Token (MTO).
Dispute fee pool
Token Distribution


Learn more about the economy and distribution of the Merchant Token (MTO)
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Check out the important dates in 2021 for the Merchant Token.
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Why are Merchant Token and the Merchant Protocol the next big thing?

Merchant Protocol & MTO

Introduces consumer protection concepts from the traditional card payment industry to any blockchain with support for smart contracts
The missing piece and true enabler for mainstream global mass-adoption of crypto payments from the consumers' perspective
Introduces the new Automatic Dispute Management (ADM) concept based on merchant reputation
Introduces the new Community Dispute Management (CDM) concept allowing token holders to increase token holdings by performing work
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Merchant Blockchain

Native blockchain for Hips Merchant Protocol and Merchant Coin (MEO) built on Hyperledger
The ERC20 Merchant Token (MTO) will be 1:1 convertible to Merchant Coin (MEO) when the Hips Merchant Blockchain’s Mainnet opens.
Real-time Merchant transactions with very low transaction fees
Created for Payment Service Providers (PSP) and EFTPOS devices
Full support for backward compatible financial protocols like ISO8583 enabling crypto payments in standard terminal messages, using the existing terminal, and card scheme infrastructures for crypto payments in Hips Merchant Blockchain.
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Strategic Partnerships

HIPS Payment Group ( is the company group behind the protocol and processes to date payments for over 200,000 merchants globally. Hips core product is a payment platform for ISV’s, acquirers and payment service providers (PSPs) “customers.” Every customer of Hips represents thousands of merchants and millions of consumers.

Hips will use 25% of the issued tokens to secure strategic partnerships and secure adoption among its customers and partners leading PSPs in a country to Tier 1 banks.

The strategic partnerships will aim to mass educate millions of consumers and merchants and make it seamless to implement and use the Merchant Protocol for merchants.

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