Instant EscrowConduit UCPI

Checkout Cost Calculator

See what you're really paying for

Slider: $1k - $50M (type for higher amounts)
Slider: $10 - $5k (type for higher amounts)
Slider: 0% - 5% (type for higher rates)
Slider: 0% - 50% (type for higher margins)
Annual Savings
$8,017
72.77% less than cards
Current Profit
$30,000
New Profit
$38,017
Profit Increase
+26.72%
Card Processing
$11,017
3.67% of volume
Stablecoin
$3,000
1.00% of volume
Even with just 5% adoption
$401/year saved
Start Saving
Cost Category
Card Payment
Stablecoin
Payment processing fee
$0
Broken out below
$3,000
1% — that's it
Interchange fees
$6,000
~2% to issuing bank
$0
No intermediaries
Network fees
$420
0.14% to Visa/MC
$0
No card network
Processor markup
$1,200
~0.4%
$0
No processor
Per-transaction fees
$1,000
$0.25 each
$0
None
PCI compliance
$300
Annual audit
$0
No card data
Chargeback fees
$400
$20 × 20 disputes
$0
Escrow, not chargebacks
Fraud losses
$1,500
~0.5% CNP fraud
$0
No stolen card numbers
Settlement delay cost
$197
2-3 day float
$0
Instant settlement
Gas fees
$0
N/A
$0
Covered
Annual Total
on $300,000 volume
$11,017
3.67% of volume
$3,000
1.00% of volume
Card Payment
$11,017
3.67% of volume
Stablecoin
$3,000
1.00% of volume
Payment processing fee
Card
$0
Broken out below
Stablecoin
$3,000
1% — that's it
Interchange fees
Card
$6,000
~2% to issuing bank
Stablecoin
$0
No intermediaries
Network fees
Card
$420
0.14% to Visa/MC
Stablecoin
$0
No card network
Processor markup
Card
$1,200
~0.4%
Stablecoin
$0
No processor
Per-transaction fees
Card
$1,000
$0.25 each
Stablecoin
$0
None
PCI compliance
Card
$300
Annual audit
Stablecoin
$0
No card data
Chargeback fees
Card
$400
$20 × 20 disputes
Stablecoin
$0
Escrow, not chargebacks
Fraud losses
Card
$1,500
~0.5% CNP fraud
Stablecoin
$0
No stolen card numbers
Settlement delay cost
Card
$197
2-3 day float
Stablecoin
$0
Instant settlement
Gas fees
Card
$0
N/A
Stablecoin
$0
Covered
Annual Total on $300,000 volume
Card Total
$11,017
3.67%
Stablecoin Total
$3,000
1.00%

Estimates based on typical e-commerce card-not-present rates. Actual costs vary by merchant category, processor, and card mix. Traditional costs assume: interchange (~2%), network fees (0.14%), processor markup (0.4%), per-transaction fees ($0.25), PCI compliance ($300/yr), chargeback fees ($20 each), estimated fraud losses (0.5% of volume), and opportunity cost of 3-day settlement float at 8% annual rate.