payment-processing-economics

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

1. Stripe Subscriptions: 2.9% + $0.30 per charge
2. PayPal Subscriptions: same as standard
3. Auto-recurring saves manual collection
4. Stripe handles failed payments (dunning)
5. Customer manages from email portal
6. Refunds via Stripe dashboard

Chargeback management

Chargebacks: customer disputes, takes refund from you + $15 fee:

1. Prevent: clear billing, easy refunds, customer service
2. Document everything: shipping, terms, communication
3. Dispute when unjust
4. Reduce: fix customer satisfaction issues

5. 1% chargeback = processor concerns

6. Use Stripe Radar for fraud detection

Where this fits in the X3 empire

Payment infrastructure for CardPrepAI Academy.