| name | payment-processing-economics |
| description | Use when managing payment infrastructure. Processing fees + chargebacks add up.
|
Payment Processing Economics
Stripe + PayPal: 2.9% + $0.30. PayPal slightly higher. Subscriptions: same rate. Negotiate at scale.
Payment processor comparison
| Processor | Rate | Setup | Reliability |
|---|
| Stripe | 2.9% + $0.30 | Free | Excellent |
| PayPal | 2.99% + $0.49 (PayPal) / 3.49% + $0.49 (cards) | Free | Good |
| Square | 2.6% + $0.10 (Card-Present) | Free | Good |
| Crypto (Coinbase Commerce) | 1% | Free | Variable |
| Klarna/Affirm | 3-6% depending on plan | Negotiated | Good |
Subscription billing
- Stripe Subscriptions: 2.9% + $0.30 per charge
- PayPal Subscriptions: same as standard
- Auto-recurring saves manual collection
- Stripe handles failed payments (dunning)
- Customer manages from email portal
- Refunds via Stripe dashboard
Chargeback management
Chargebacks: customer disputes, takes refund from you + $15 fee:
- Prevent: clear billing, easy refunds, customer service
- Document everything: shipping, terms, communication
- Dispute when unjust
- Reduce: fix customer satisfaction issues
-
1% chargeback = processor concerns
- Use Stripe Radar for fraud detection
Where this fits in the X3 empire
Payment infrastructure for CardPrepAI Academy.
