Overview
Modern networks have lowered and stabilized on-chain fees. When compared with card percentage-based charges, many tickets favor on-chain payments.
Card Fee Structure
Card costs include interchange, assessment, network processing, cross-border additions, and potential dispute overhead.
On-chain Fees on Modern Networks
Typical transfers cost cents to low dollars with clear disclosures. Gateways may add small markups for invoicing and refunds.
Scenarios Where On-chain Wins
- Cross-border sales with FX and assessment layers
- High-value invoices where percentage fees are material
- Digital goods with low dispute rates
Trade-offs and Considerations
Refunds must be operationalized, address validation is critical, and off-ramp spreads matter when converting to fiat.
Conclusion
In 2025, many merchants can reduce payment costs with stablecoin rails, especially across borders. Evaluate ticket sizes and dispute profiles to choose the best mix.