Why are crypto payments gaining momentum?

More businesses are starting to use cryptocurrency payments, motivated by hype, innovation, globalisation, and the old FOMO. But beneath the buzz, the real question remains: does accepting crypto actually improve your bottom line?

In this article, I’ll explain how to calculate the return on investment (ROI) of implementing crypto payments, using plain language and real numbers.

Return on Investment (ROI) is used to calculate how much you are earning by receiving payments in cryptocurrency versus how much it costs to install it. It is easy:

ROI = (Net Profit from Crypto - Installation Expense) / Installation Expense

In contrast to traditional payment systems, crypto offers faster transactions, lower fees, no chargebacks, and global reach. But one is the main points is that it lowers the costs. Let's find out where the cost savings are originating from:

Lower Transaction Fees

These are the same processors with 2% to 4% with per-transaction fixed rates. Shopify stores, for example, pay approximately 2.9% + $0.30 per card transaction. Crypto gateways, in comparison, have as low as 0.5% to 1%, a considerable payment processing cost savings.

No Chargebacks

Unlike credit card payments, cryptocurrency payments are irreversible. This eliminates the expense and inconvenience of chargebacks, which typically cost companies between $1.50 and $3.00 per dispute, plus any potential fraud losses.

Smooth Cross-Border Payments

Crypto does away with currency exchange and foreign banking lag. Companies can send cross-border payments in seconds, skipping time and avoiding additional transaction fees.

Operational Efficiency

Fewer intermediaries and the option to use smart contracts can reduce administrative overhead. This translates to faster processing, less human error, and lower labour costs.

Attracting New Customers

Offering crypto as a payment method appeals to a growing segment of tech-savvy, globally minded customers. This can differentiate your brand and drive incremental sales.

The setup: what you’ll need to invest

Despite the savings, crypto payments aren’t free to set up. You’ll need to consider:

Integration and software development [at Cryptopayments, it’s for free]

Staff training to handle and support crypto transactions

Legal, accounting, and tax compliance measures

Not so much, as you can see, mostly it’s about timing to learn how to use the product.

By the numbers: Real-World ROI

The financial benefits are already showing up in real-world data:

Revenue growth: 88% of businesses that accept crypto have reported increased revenue.

Merchant adoption: Crypto payment merchant adoption expanded 50% by 2024 to more than 12,800 businesses globally.

Profit margins: A low level of crypto transactions can boost net profit per transaction 20% or higher by reducing fees and chargebacks.

Annual savings: A company that makes $150,000 in profit annually can save more than $5,000 alone by reducing fees and abolishing chargeback loss.

Accelerating pace: improvements in cash flow

Faster is faster. As the latest surveys indicate:

82% of finance directors and CFOs concur that crypto payments settle faster than before.

88% of merchants report improved cash flow once they introduced crypto as an option to pay.

The future: the crypto payment market

The market for crypto payments is growing globally. In 2026, 2.6% of the global population, or millions of prospects, will be making everyday purchases with cryptocurrency. It's a growing market your company can make money from.

Final thoughts: Do you switch?

Embracing crypto payments is not just a cool thing to do; it's an intelligent financial move. The possible ROI entails lower transaction costs, enhanced cash flow, faster settlement, and access to a larger customer base. If you take a seat and crunch the numbers, you may be surprised at how crypto payments can be in your favour.