| Provider / Tier | Pricing Model | Transaction Fees | Monthly Fees | Volume Discounts | Custody | Chargebacks |
|---|---|---|---|---|---|---|
| Revolut Business | Card + gateway | 1.0–2.8% | €0–€99+ | Limited | Custodial | ✅ Yes |
| Apple Pay | Card network | 1.5–3.0% | $0 | ❌ | Bank-held | ✅ Yes |
| Google Pay | Card network | 1.5–3.0% | $0 | ❌ | Bank-held | ✅ Yes |
| Stripe | Per transaction | 2.9% + $0.30 | $0 | Limited custom | Custodial | ✅ Yes |
| PayPal | Per transaction | 3.49% + $0.49 | $0 | ❌ | Custodial | ✅ Yes |
| Visa | Card network | 1.5–3.0% | Bank-dependent | ❌ | Bank-held | ✅ Yes |
| Mastercard | Card network | 1.6–3.1% | Bank-dependent | ❌ | Bank-held | ✅ Yes |
| American Express | Card network | 2.5–3.5% | Bank-dependent | ❌ | Bank-held | ✅ Yes |
| Discover | Card network | 2.0–3.5% | Bank-dependent | ❌ | Bank-held | ✅ Yes |
| JCB | Card network | 1.6–3.5% | Bank-dependent | ❌ | Bank-held | ✅ Yes |
| UnionPay | Card network | 1.5–3.0% | Bank-dependent | ❌ | Bank-held | ✅ Yes |
| Authorize.Net | Gateway | 2.9% + $0.30 | $25 | ❌ | Custodial | ✅ Yes |
| Braintree | Gateway | 2.9% + $0.30 | $0 | ❌ | Custodial | ✅ Yes |
| Checkout.com | Gateway | 1.5–3.0% | $0 | ✅ Custom | Custodial | ✅ Yes |
| Dwolla | ACH / Bank | 0.5–1.0% | $0–$250 | ✅ | Custodial | ✅ Yes |
| Klarna | BNPL | 2.29–3.29% | $0 | ❌ | Custodial | ✅ Yes |
| Mollie | Gateway | 1.8–2.8% | $0 | ❌ | Custodial | ✅ Yes |
| Payoneer | Gateway | 1–3% | $0–$29 | ❌ | Custodial | ✅ Yes |
| PayU | Gateway | 2–3.5% | $0 | ❌ | Custodial | ✅ Yes |
| Razorpay | Gateway | 2% | $0 | ❌ | Custodial | ✅ Yes |
| Sage Pay | Gateway | 1.5–3% | $0–$20 | ❌ | Custodial | ✅ Yes |
| Shopify Payments | Gateway | 2.9% + $0.30 | $29–$299 | Limited | Custodial | ✅ Yes |
| Skrill | Gateway | 1.9–3.9% | $0 | ❌ | Custodial | ✅ Yes |
| Square | Per transaction | 2.6–2.9% | $0 | ❌ | Custodial | ✅ Yes |
| TransferWise (Wise Business) | Bank / ACH | 0.4–1% | $0 | ❌ | Custodial | ❌ No |
| Verifone (formerly 2Checkout) | Gateway | 3.5% + $0.35 | $0 | ❌ | Custodial | ✅ Yes |
| WeChat Pay | Card network | 1.5–3% | $0 | ❌ | Bank-held | ✅ Yes |
| Worldpay | Gateway | 1.4–3.5% | $0 | ✅ | Custodial | ✅ Yes |
| Adyen | Gateway | 1.5–3.5% | $0 | ✅ | Custodial | ✅ Yes |
| Airwallex | Gateway | 0.5–1% | $0 | ✅ | Custodial | ✅ Yes |
| Alipay | Card / network | 1.5–3% | $0 | ❌ | Bank-held | ✅ Yes |
| Amazon Pay | Gateway | 2.9% + $0.30 | $0 | ❌ | Custodial | ✅ Yes |
| Crypto Credits Free Tier | Volume-based | 0.99% | $0 / Lifetime | ✅ | Non-custodial | ❌ No |
| Crypto Credits Pro | Volume-based | 0.79% | $199 / month | ✅ | Non-custodial | ❌ No |
| Crypto Credits Enterprise | Volume-based | 0.49% | $499 / month | ✅ | Non-custodial | ❌ No |
💡 Observations / Merchant Takeaways
- Traditional gateways and card networks: fees 1.5–3.5%, custodial, chargebacks, no volume discounts for most small/medium merchants.
- Crypto Credits / MM AI Agent: 0.49–0.99% fees, volume-based, non-custodial, no chargebacks, predictable margins.
- Cost savings at scale are huge: e.g. $2M/month → CryptoCredits Enterprise ≈ $9,800 vs PayPal ≈ $69,800
- Ideal for Web3 merchants, marketplaces, SaaS platforms seeking wallet-native payments.
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