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vs Traditional Processorshead-to-head

PYMSTR vs Traditional Processors.

5-10% fees. 2-3% chargebacks. Rolling reserves. Add a 1% rail alongside.

//The numbers6 dimensions

The numbers speak.

Transaction Fees

PYMSTR

1% flat. Same rate for everyone

Traditional Processors

5-10%+ for high-risk MCC codes

Chargebacks

PYMSTR

0%. Stablecoin txns are final

Traditional Processors

2-3% of revenue lost + dispute fees

Rolling Reserves

PYMSTR

None. Funds are yours instantly

Traditional Processors

5-15% held for 6+ months

Settlement Speed

PYMSTR

Instant. Direct to your wallet

Traditional Processors

3-7 business days

Account Stability

PYMSTR

No bank dependency. Impossible to freeze

Traditional Processors

Freezes and terminations common for high-risk

Onboarding

PYMSTR

5 minutes, no KYB required

Traditional Processors

Weeks to months. KYB, underwriting, contracts

//Why operators add PYMSTR3 reasons

Why merchants add PYMSTR.

01

80-90% cost reduction on stablecoin volume

Traditional processors charge 5-10%+ for high-risk merchant category codes. PYMSTR charges 1% flat regardless of vertical. On $500K monthly volume, that's $360,000+ in annual savings. Before counting chargeback elimination and freed reserve capital.

02

No reversals to dispute on stablecoin volume

Card-based payments carry 2-3% chargeback rates for high-risk merchants. On $1M monthly volume, that's $240K-$360K annually in chargeback-related cost, plus dispute processing fees. Stablecoin transactions on PYMSTR settle on-chain and are final, so on the stablecoin portion of your volume there's no chargeback flow to manage.

03

No rolling reserves. Your capital stays free

Traditional processors hold 5-15% of your volume in rolling reserves for 6+ months. On $500K monthly volume, that's up to $300,000 locked up. PYMSTR has no reserves, no holdbacks. Funds arrive in your wallet the moment the transaction confirms.

//Traditional Processors questions4 answers

Short
answers.
No jargon.

No, and that's by design. PYMSTR is complementary to cards. Add a "Pay with Crypto" option alongside your existing payment methods. Stablecoin-savvy customers use PYMSTR at 1%, everyone else continues using cards. Zero disruption, zero downside.
On $500K monthly volume, traditional processors charge $35,000-$50,000+/month all-in (transaction fees + chargebacks + reserves + monthly fees). PYMSTR is $5,000/month. That's $360,000-$540,000+ in annual savings on the stablecoin portion of your payments alone.
Customers need stablecoins (USDC or USDT), but don't need MetaMask or manual address management. PYMSTR's social login creates an embedded wallet for payment accuracy. Correct chain, correct token, no errors. Customers with existing wallets can connect those directly.
PYMSTR is non-custodial, meaning reduced regulatory burden. We don't hold, transmit, or have access to merchant funds. Add PYMSTR alongside your existing compliant card processor for a complete payment stack.
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Key advantages

Add the stablecoin rail to your checkout.

Non-custodial. Stable-in, stable-out. Funds settle directly to your wallet on-chain. Live in minutes, not months.