HIPS Merchant Protocol (HMP), the Hips Merchant Protocol Gateway (HMP-gateway) and the governing Merchant Token (MTO) is a solution that introduces consumer protection concepts from the traditional card payment industry to any blockchain with support for smart contracts like Ethereum, Cardano (ADA) or Solana, which we believe is the missing piece for crypto payments to have a market penetration and acceptance among mainstream consumers. HIPS Merchant Blockchain is the native blockchain for HMP and Merchant Coin (MEO), optimized for real-time Merchant transactions created for Payment Service Providers (PSP) and EFTPOS devices with 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.