When evaluating payment processors, the fee percentage seems small — 1% here, 2.9% there. But these percentages compound dramatically at scale. Understanding the true cost of payment processing is essential for any growing business.
The Math Behind Payment Fees
Consider a business processing $100,000/month in crypto payments. At 1% (standard for Coinbase Commerce and BitPay), that's $1,000/month or $12,000/year in fees. At PayerScan's 0.2%, that's $200/month or $2,400/year — a saving of $9,600 annually.
For a business processing $1,000,000/month, the difference is $96,000 per year. That's an entire developer's salary saved just by choosing a lower-fee gateway.
Hidden Costs of "Free" Gateways
Some gateways advertise no transaction fees but charge monthly subscriptions, withdrawal fees, or currency conversion fees. Always calculate the total cost including all fees, not just the headline rate.
Zero Chargebacks = Zero Chargeback Fees
Traditional payment processors charge $15-25 per chargeback dispute. With crypto payments, chargebacks don't exist — the transaction is final once confirmed on-chain. For businesses with high chargeback rates, this alone can save thousands per month.
Instant Settlement
Traditional processors hold your funds for 2-7 business days. With PayerScan, funds go directly to your wallet — no holding period, no rolling reserves, no payout delays.
Last updated: Feb 15, 2026