The Fee Math

Credit card processors charge two things: a percentage of the sale and a flat fee per transaction. The standard Stripe or Square rate is 2.9% + $0.30. Crypto payment processing through BrightSwitch is 0.5% flat. No per-transaction fee. No monthly minimum.

Monthly Volume Card Fees (2.9% + $0.30/tx) Crypto Fees (0.5%) Annual Savings
$10,000/mo $290–$340/mo $50/mo $2,880/yr
$25,000/mo $725–$775/mo $125/mo $7,200/yr
$10K/mo volume
$2,880
saved per year
That's a new piece of equipment or a month of payroll
$25K/mo volume
$7,200
saved per year
Enough to hire a part-time employee

These figures assume all volume shifts to crypto. In practice, crypto becomes one of several payment options — card terminals stay. Even at 30% crypto adoption, a $25K/mo business saves $2,160 per year on fees alone. And crypto transactions have no chargebacks, which eliminates another common source of loss.

How It Works

The setup is three steps. No hardware to buy. No crypto knowledge required.

  • 1
    Sign up for free

    Submit your business info through BrightSwitch. Takes 2 minutes. No upfront cost, no contracts, no credit check.

  • 2
    Add crypto payment to your checkout

    BrightSwitch sets up your payment option within 24 hours — QR codes for in-person, payment links for invoices, or POS integration. 350+ cryptocurrencies supported. Your existing card terminal is untouched.

  • 3
    Receive USD settlement next day

    Customers pay in crypto. Every payment converts to USD at the moment of the transaction. Dollars deposit to your bank account the next business day. You never hold, store, or manage cryptocurrency.

The only thing that changes: the fee line on your processing statement drops from 2.9% to 0.5%. Your bank account still receives dollars. Your accountant reports dollars. Your staff generates a payment and moves on.

Who’s Already Doing This

According to Deloitte's 2024 Global Blockchain Survey, 39% of U.S. merchants now accept cryptocurrency as a form of payment — up from 15% in 2022. Arizona is ahead of the national curve. The state has passed blockchain-friendly legislation, and the Phoenix metro ranks among the top markets for crypto wallet ownership per capita.

The businesses making the switch aren't tech companies. They're service businesses with steady monthly volume and razor-thin margins:

❄ HVAC & Air Conditioning
💋 Dental & Medical Offices
🚗 Auto Repair & Detailing
🌊 Pool Service & Landscaping

These industries share a common profile: high ticket sizes, repeat customers, and processing fees that quietly drain margin every month. Accepting crypto doesn't change the customer relationship — it changes where the fee money goes.

Common Questions

No. The setup is handled for you. Your staff generates a payment, the customer scans a QR code or clicks a link, the crypto converts to USD instantly, and you receive dollars. You never touch cryptocurrency.
Nothing happens to your money. Every crypto payment converts to USD at the exact moment of the transaction. Price movements after the sale don't affect your deposit — you already have dollars.
Yes. Arizona is one of the most crypto-friendly states in the U.S. and actively supports merchant adoption. No special permits are required to accept crypto as a payment method.

See your numbers: Use our payment savings calculator to get an exact savings estimate for your monthly volume — then compare BrightSwitch vs your current processor side-by-side. Try the calculator →

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See What Your Business Would Save

Zero setup cost. 24-hour activation. Your existing card terminal stays. The only thing that changes is how much of each sale you keep.

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Zero upfront cost • No contracts • Arizona businesses only

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