Why we stay crypto only.
The single most common question we get from enterprise buyers is why we do not take cards. Short version: we ran the math in 2020 and the math still holds.
Card payments in the social growth category come with a chargeback fraud rate of roughly 12 to 18 percent of processed volume. The reserve against that fraud gets baked into prices because the seller has to cover actual losses and the payment processor holdback. When we ran the numbers in 2020 we found the chargeback tax on card accepting panels was costing their customers about 15 percent of invoice price, invisible.
Crypto payments do not chargeback. The blockchain settles the transaction and the seller keeps the funds. No reserve holdback, no fraud tax, no dispute window. The savings pass directly to customers as lower prices or longer warranties.
The tradeoffs we accept
About 60 percent of casual buyers will not complete a crypto payment. Either they do not hold any crypto, the checkout flow is unfamiliar, or they prefer the chargeback safety net cards provide. We lose those buyers. We are OK with that because the ones we keep are the ones who stay.
Enterprise customers occasionally push for wire transfer payment. We accommodate that on annual contracts because the volume justifies the extra ops work, but most of our enterprise GMV still settles in crypto via a payee wallet managed by customer finance teams.
Why the math still holds in 2026
Chargeback fraud in this category has gotten worse, not better, since 2020. Card networks have tightened dispute rules that favor cardholders by default. Panels that accept cards have had to increase their reserves to 18 to 22 percent of processed volume, which shows up in their pricing. Our crypto-only posture is more of a cost advantage now than it was in 2020.
If you cannot pay in crypto, our service is not accessible to you. That is a tradeoff we make knowingly, and it is part of why we can offer the prices and warranty windows we do.