E-commerce businesses face two major payment challenges: high processing fees that eat into margins, and chargebacks that cost money even when you're right. Moneta solves both.
The E-commerce Payment Problem
Traditional E-commerce Payment Flow
Plus: 0.5-2% chargeback rate, $15-25 per dispute, 180-day dispute window, funds held during investigation
The Chargeback Nightmare
Chargebacks are the hidden tax on e-commerce. Even legitimate businesses face:
Customer receives product, then disputes charge claiming they never got it. You lose the product AND the money.
Customer regrets purchase, disputes instead of returning. Even with proof of delivery, you often lose.
$15-25 fee per chargeback, win or lose. High dispute rates can get your merchant account terminated.
Disputed funds are held for weeks or months during investigation, hurting your cash flow.
The Moneta Solution
Moneta E-commerce Payment Flow
Bonus: 0% chargeback rate (blockchain transactions are final), no dispute fees, no held funds, instant settlement
Real Numbers: $50,000/Month Store
| Cost Category | Stripe | Moneta |
|---|---|---|
| Processing fees | $1,700 | $0 |
| Per-transaction fees (500 orders) | $150 | $0 |
| Chargebacks (1% rate, 5 disputes) | $575 | $0 |
| Dispute fees ($15 × 5) | $75 | $0 |
| Monthly Total | $2,500 | $0 |
| Annual Savings | $30,000 |
Best Product Categories for Crypto Payments
Some product categories see higher crypto payment adoption:
Software, courses, digital art, subscriptions. No shipping disputes possible.
Crypto-native customers often buy tech. High AOV means bigger fee savings.
High-value items where 3% fees really hurt. Crypto holders often have disposable income.
Cross-border e-commerce where FX fees add up. Stablecoins eliminate currency conversion.
Implementation Strategy
Don't replace your existing payment processor—add Moneta as an option:
Add "Pay with Crypto" button
Alongside existing payment methods
Offer 3-5% discount
Incentivize crypto payments (you still save money)
Highlight benefits
"Pay with crypto for instant confirmation"
Track conversion
Monitor which customers prefer crypto
Expand over time
As adoption grows, promote it more prominently
Integration Options
Payment Links
No code required. Generate links and add to checkout.
Checkout Widget
Embed Moneta checkout directly in your site.
Full API
Complete control with webhooks and custom flows.
Ready to Eliminate Fees and Chargebacks?
Start accepting stablecoin payments and keep 100% of every sale.