Merchant scenario builder
Describe how you get paid today and how you might get paid tomorrow. See the annual cost difference and how much working capital is tied up in settlement under each mix.
Start from a preset
Presets are illustrative starting points, not benchmarks.
Your business
Current mix
Proposed mix
Each mix is scaled to 100%.
Assumptions
Credit card (online)
Blended processor rate for card-not-present sales. Eligible small businesses may see lower interchange since October 19, 2024; your statement shows what you actually pay.
Interac e-Transfer for business
Per-transfer business fee varies by bank and plan. Domestic payers with Canadian bank accounts only.
EFT / pre-authorized debit
Batch bank payments. Returns (NSF, stopped payments) behave like disputes in this model.
Wire transfer
Incoming wire fee charged to the recipient; intermediary bank deductions can add more on international wires.
USD stablecoin (self-hosted wallet)
A USD-referenced token: a CAD business converts every payment to CAD. On-chain transfer is fast; the bank withdrawal sets settlement.
Native crypto-asset via payment processor
Price moves between payment and conversion create exposure unless the processor converts instantly.
Annual cost by rail
Current: $37,499
Proposed: $33,947
Side by side
| Measure | Current | Proposed | Change |
|---|---|---|---|
| Annual cash cost | $37,499 | $33,947 | −$3,551 |
| Effective rate | 3.91% | 3.54% | −0.37% |
| Disputes and returns per year | $4,006 | $3,362 | −$644 |
| FX and conversion per year | $6,000 | $6,540 | $540 |
| Average money in transit | $6,907 | $6,347 | −$560 |
| Float cost per year | $553 | $508 | −$45 |
| Average time to cash | 2.6 days | 2.4 days | — |
| Price exposure (95%, illustrative) | $0 | $1 | — |
Set-up and integration time, accounting changes, staff training, customer adoption (you can offer a rail; customers decide whether to use it), legal review and any provider minimums. Add them before you decide, and pilot with a cap: see how to pilot crypto payments.
How to use it
- Describe your business: monthly volume, ticket size, cross-border share.
- Set today’s payment mix and a proposed mix (they are normalised to 100%).
- Read the annual cost change and working-capital impact.
- Save the scenario as CSV or a PDF summary.
Default values are illustrative planning inputs reviewed October 30, 2026, not market data or any provider’s pricing. Replace them with your own statements. This tool is educational and is not financial, legal or tax advice.
Want a second look at your numbers?
Describe your scenario and MITEY will review it with you by email. Free and educational; we do not sell or process payments.
Request a scenario review