PYMSTR vs Traditional Processors.
5-10% fees. 2-3% chargebacks. Rolling reserves. Add a 0.5% rail alongside.
The numbers speak.
| Feature | Traditional Processors | PYMSTR Recommended |
|---|---|---|
| Transaction Fees | 5-10%+ for high-risk MCC codes | 0.5% flat. Same rate for everyone |
| Chargebacks | 2-3% of revenue lost + dispute fees | 0%. Stablecoin txns are final |
| Rolling Reserves | 5-15% held for 6+ months | None. Funds are yours instantly |
| Settlement Speed | 3-7 business days | Instant. Direct to your wallet |
| Account Stability | Freezes and terminations common for high-risk | No bank dependency. Impossible to freeze |
| Onboarding | Weeks to months. KYB, underwriting, contracts | 5 minutes, no KYB required |
Why merchants add PYMSTR.
90-95% cost reduction on stablecoin volume
Traditional processors charge 5-10%+ for high-risk merchant category codes. PYMSTR charges 0.5% flat regardless of vertical. On $500K monthly volume, that's $390,000+ in annual savings. Before counting chargeback elimination and freed reserve capital.
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.
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.
Short answers. No jargon.
Traditional Processors questions.
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 0.5%, everyone else continues using cards. Zero disruption, zero downside.
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.