How much of your revenue disappears into payment fees each month? Processors take a cut of every sale, add a fixed per-transaction charge, and stack on cross-border and FX surcharges; chargebacks then reverse revenue and add penalties and operational drag. Use the Cost-Savings Calculator with Crypto Payments to enter your sales data and instantly estimate monthly savings and ROI. Your results will show how aceptando pagos con criptomonedas alongside cards can replace layered fees with one transparent, low rate—reducing cross-border and FX costs and eliminating chargebacks so more of your revenue stays with you.

Where card fees hit your business

• Card % + fixed fee — Every transaction is charged twice: a percentage of the order and a flat amount. On small orders, the flat fee hurts more because your effective card rate ≈ % fee + (fixed fee ÷ AOV).
• Cross-border surcharge — Extra percentage applied when a customer’s card is issued outside your settlement region. It only hits the international portion of your sales and stacks on top of the base card fees.
• FX conversion cost — When you charge in one currency but settle in another, processors add an FX spread/fee. This shows up as a % of the international volume that needs conversion.
• Chargebacks & penalties — A dispute reverses the order value and adds network/dispute fees and ops time; the real loss often exceeds the ticket price (think loss multiplier like 1.1–1.5).
• OxaPay (crypto) fee — A single, transparent low rate on the crypto share of sales—no cross-border surcharge, no FX, 0% chargebacks—with fast settlement (e.g., in stablecoins).

Quick guide to use the calculator

1. Enter your basics: type in Monthly GMV and Transactions per month (we auto-calculate AOV).
2. Add card fees: fill Card % and Fixed fee per transaction.
3. If you sell internationally: set International share (%), then add Cross-border (%) and FX (%).
4. Account for disputes: enter Chargeback rate (%) and a Loss multiplier (e.g., 1.0–1.5).
5. Model crypto: set Estimated OxaPay fee (%) and Share of sales paid in crypto (%) (you don’t need 100%—start with 10–30%).
6. Calculate — Click Calculate to see your Cost savings with crypto payments and ROI.

Understand the outputs (what each result means)

• Assumptions (footer line) — Crypto has 0% chargebacks, no cross-border surcharge, and FX is avoided when settling in stablecoins. Effective card rate uses card % + fixed ÷ AOV.
• Estimated monthly savings — Your Cost savings with crypto payments — the headline amount you keep instead of paying in fees
  Formula: Traditional payments total − Post-adoption total. If it’s negative, crypto share/fees need adjusting.
• AOV & effective card rate — Helper line under the headline.
  AOV: GMV ÷ Transactions. Effective card rate: card % + (fixed fee ÷ AOV).
• Post-adoption costs — Shown as two pills:
• Remaining card costs: What you still pay on the non-crypto share (processing, cross-border/FX, chargebacks).
• Crypto processing: OxaPay fee applied only to the crypto share of GMV.
• ROI of crypto share — How efficiently the crypto slice saves money.
  Formula: Savings ÷ Crypto processing. >0 means savings exceed crypto processing spend.
• Lead score — 0–100 indicator of potential impact (higher GMV, higher international share, and higher chargebacks tend to increase it). It’s for prioritization, not a guarantee.
• Intl (%) — The international share you entered. Cross-border and FX costs are applied only to this portion (and only on the card side).
• Visual comparison (bar chart) — Two bars:
  Pagos tradicionales (current total cost) vs With Crypto Adoption (post-adoption total). Labels above bars show the exact totals.
• Cost breakdown table — Side-by-side detail for each scenario:
• Processing: Card % + fixed fee effect (and OxaPay fee in the crypto scenario).
• Cross-border + FX: Only on the international card portion; not applied to crypto.
• Chargebacks: Losses and penalties from disputes; 0% for crypto.
• Total monthly cost: Sum of the three above.

Ready to turn estimates into results? Start accepting crypto today with the Pasarela de criptopago OxaPay. Unlock Cost savings with crypto payments via one transparent, low fee—no cross-border surcharge, no FX, and 0% chargebacks—with fast stablecoin settlement. Launch alongside cards in minutes and keep more of every sale while improving global reach.