Stop Paying 2.9%: The Payment Stack That Saved Us $14k

Payment fees are the silent tax on every order. Re-architecting our stack saved roughly $14k over a year without touching conversion.

Where the money leaks

Blended processing crept past 2.9% once you counted cross-border fees, chargebacks, and currency conversion. Most stores never audit this line.

What we changed

We routed local cards to local processors, enabled the right wallets for our top markets, and disputed chargebacks with a templated evidence flow.

The audit checklist

• Separate domestic and cross-border effective rates.
• Enable wallets your customers already use.
• Template your chargeback evidence.