Free tool
Crypto payment fee savings calculator
Stablecoin payments on Furlpay cost 0.5% per transaction versus 2.9–3.5% for credit cards. A business processing $1M a year saves roughly $24,000–$30,000 by accepting USDC on Arbitrum. Enter your volume below to see your number.
You save
$16,800/ year
$1,400 every month
Estimates only. Card cost = selected rate × volume + per-transaction fee × (volume ÷ average ticket); actual card pricing varies by issuer, category and geography. Furlpay is 0.5% plus roughly $0.001–$0.005 of Arbitrum gas per payment (excluded above as negligible). Live quotes: /api/payments/fees/estimate.
How the math works
Card networks charge a percentage (interchange + assessments + processor margin) plus a fixed per-transaction fee. Furlpay replaces that stack with a direct on-chain USDC transfer on Arbitrum One (Chain ID 42161), settling in under a second for a flat 0.5%. There is no interchange, no chargeback reserve, and no monthly minimum.
Frequently asked questions
How much cheaper are stablecoin payments than credit cards?
Stablecoin payments on Furlpay cost 0.5% per transaction versus 2.9–3.5% for credit cards — roughly 80–85% cheaper. A business processing $1,000,000 a year pays about $5,000 with Furlpay versus $29,000–$35,000 on card rails, saving $24,000–$30,000 annually.
What fees does Furlpay charge?
Furlpay charges a flat 0.5% per transaction with no monthly fee, setup fee, or per-transaction surcharge. The only additional cost is Arbitrum network gas, typically $0.001–$0.005 per payment.
Are the calculator's figures accurate?
The card figures use typical published rates (Stripe 2.9% + 30¢, or a 3.5% blended card rate) and are estimates — real card pricing varies by issuer, card type, and merchant category. Furlpay's 0.5% is live; you can verify a quote at /api/payments/fees/estimate.
Do I need to hold crypto to accept USDC payments?
No. Customers pay in USDC, and you can settle the balance to a local bank account or hold it as a dollar-pegged stablecoin. Furlpay uses passkey-secured wallets, so there is no seed phrase to manage.
Furlpay is not a bank. Figures are illustrative estimates and not a guarantee of savings.