Cost worksheet

Compare your own numbers.

We will not tell you stablecoin acceptance is cheaper than your card mix — see the pricing page. This worksheet does the arithmetic once you put in your own numbers, from your own statements and your own pilot quote. Nothing you type here leaves this page: there is no network request, no analytics and no storage.

Scripts are disabled, so this page cannot calculate a result for you. The fields below still print as a blank worksheet — fill them in by hand, or enable scripts to have the page do the arithmetic.

Today — card acceptance

Monthly card sales volume dollars From your processor statement.

Number of card transactions per month

Effective card rate % The blended percentage rate on your statement.

Per-transaction fee dollars, per transaction

Chargeback and dispute losses dollars, per month Losses plus any chargeback fees charged to you.

Terminal and gateway fees dollars, per month

With stablecoin acceptance

Expected share of sales paid in USDC % Your own estimate. This worksheet does not supply one.

ProxyPay software cost per month dollars The number from your pilot quote. Pricing is quoted per pilot — see pricing.

Exchange or off-ramp conversion cost % From your own exchange or off-ramp provider.

Bank wire or ACH cost, per withdrawal dollars

Withdrawals per month count

The customer pays the network fee on their own stablecoin payment, directly to the network — see product and pricing. It is not a cost to you and is not a field below.

Result

Monthly cost comparison
Line item	Today	With the stated USDC share
Card fees (percentage + per-transaction)	$0.00	$0.00
Chargeback and dispute losses	$0.00	$0.00
Terminal and gateway fees	$0.00	$0.00
ProxyPay software cost	—	$0.00
Exchange or off-ramp conversion	—	$0.00
Bank wire or ACH withdrawals	—	$0.00
Total	$0.00	$0.00

Difference: $0.00

How every number is calculated

Today's card fees: your effective card rate times your monthly card sales volume, plus your per-transaction fee times your number of transactions.
Today's total: today's card fees, plus your chargeback and dispute losses, plus your terminal and gateway fees.
Stablecoin sales volume: your monthly card sales volume times the USDC share you entered.
Remaining card volume: your monthly card sales volume minus the stablecoin sales volume above.
With-stablecoin card fees: the same card-rate and per-transaction calculation as today's, applied only to the remaining card volume and a proportionally reduced transaction count.
With-stablecoin chargeback losses: your chargeback and dispute losses, reduced by the same proportion as the remaining card volume — chargebacks apply only to card transactions.
Terminal and gateway fees are held unchanged in both columns. This worksheet assumes they are a fixed monthly cost of keeping a card terminal in place rather than a per-transaction cost; if yours is volume-based, adjust the number yourself.
ProxyPay software cost: the number you typed from your pilot quote, unchanged.
Exchange or off-ramp conversion cost: your conversion percentage times the stablecoin sales volume.
Bank wire or ACH cost: your per-withdrawal cost times your withdrawals per month.
With-stablecoin total: the sum of the six rows above it in the "with the stated USDC share" column.
Difference: today's total minus the with-stablecoin total. A positive difference is a lower cost with the stated USDC share; a negative one is higher.

All arithmetic is done in whole cents — every dollar amount you type is converted to an integer number of cents before anything is added, and every percentage is converted to an integer number of basis points, so nothing here is subject to floating-point rounding.

These are your numbers, not ours. This worksheet does not know your card rate, your chargeback history, your exchange fees or what share of your customers will pay in USDC — you supply every one of them, and the calculation above is the whole of what the page does with them.