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Financial

Transactions:
Overview
The future of payments today

PayPal Overview
(https://www.paypal.com/home)
Company Overview

PayPal Transaction

PayPal is an electronic commerce company that facilitates


payments between parties through online funds transfers
Founded: 1998
Headquarters: San Jose, CA
Other: PayPal is available in 203 markets, allowing
customers to get paid in more than 100 currencies,
withdraw funds to their bank accounts in 57 currencies
and hold balances in their PayPal accounts in 26
currencies

Sender (credit card/bank account)

PayPal
Receiver (credit card/bank account)

PayPal fees / charges:


Method of Sending

Financial Cost

PayPal balance or bank account (i.e. linking


you bank account to Paypal)

Free when sending money inside the US

Credit card fee (using your credit card on


PayPal)

2.9% plus $0.30 per transaction

Outside the US

Outside the US 0% to 2% fee when fully funded with your bank


account or PayPal balance or 2.9% to 5.99% plus a fixed fee
based on the payment currency if paying with a credit or debit
card

Venmo Overview (https://venmo.com/)


Company Overview

Venmo Transaction

Venmo is a free digital wallet that lets you make and


share payments with friends. You can easily split the bill,
cab fare, or much more
Founded: 2012 (Acquired by PayPal)
Headquarters: New York, NY
Other: Venmo is a service that makes it easy, safe, and
fun to pay your friends. Venmo's iPhone and Android apps
allow you to make and share payments with friends for
rent, utilities, dinner, drinks, movies, concert tickets,
birthdays, laughs, and anything else

Sender (Venmo / bank account)

PayPal
Receiver (Venmo /bank account)

Venmo fees / charges:


Method of Sending

Financial Cost

Using a Venmo Account

Venmo is free to use with a bank account and most debit cards

*Credit card fee (using your credit card)

There is a 3% fee on credit cards and some debit cards.


Receiving money through the Venmo app is always free.

Other information

Send limit (weekly): $2,999


Estimated days to get payment: 2 days or less
Money gets put into your Venmo account - then user can
transfer directly to his / her own bank account

Braintree Overview
(https://www.braintreepayments.com/)
Company Overview

Braintree offers a simple, robust way to accept payments


or enable buying from almost anywhere -- in your mobile
app or online.
Founded: 2007 (Acquired by PayPal)
Headquarters: Chicago, IL
Other: Braintree's payment platform provides all the tools
online and mobile businesses need to accept payments.

Braintree Transaction

Sender (Braintree Transaction)

PayPal
Receiver (Braintree Transaction)

Braintree fees / charges:


Method of Sending

Financial Cost

Credit Cards / Debit


Cards, Apple Pay,
Google Wallet, Venmo

2.9% + $.30 per transaction after your first $50K in card processing
An additional 1% fee applies to transactions presented outside of your home
currency; a flat $15 fee is assessed for chargebacks; fees are returned for fullyrefunded transactions; discounted rate of 2.2% + $.30 for eligible nonprofits (not
valid with our $50K promotion); Discounted rates and interchange plus pricing are
available for business processing over $80K per month

Paypal

Generally 2.9% + $.30 per transaction; 3.9% transaction fee + fixed fee based on
currency for international sales

Bitcoin

No processing fees on the first $1M of transaction volume. After that, a fee of 1% will
apply. A $.15 fee applies to each batch disbursement to your bank account.

Square Cash Overview (https://cash.me/)


Company Overview

Square Cash Transaction

Square Cash is a free service that lets you send money


directly to your family & friends bank accounts
Founded: 2013
Other: Exchange money quickly, easily, and for free.

Sender (Bank Account)

PayPa
l
Receiver (Bank
account)

Square Cash fees / charges:


Method of Sending

Financial Cost

Sending cash requests

Square Cash is free. Send money to friends and family with


your debit card at no cost.
Sending limit is $2,500 per week / receiving limit is unlimited

*Credit card fee (using your credit card)

There is a 3% fee on credit cards

Business Account

Square Cash lets you request payments for goods and


services at the simple price of 2.75% per transaction. Thats
it. Its cheap for your business, and easy for your customers.

Google Wallet Overview


(https://www.google.com/wallet/)
Company Overview

Google Wallet You can send money to anyone in the U.S.


using an email address or phone number with the Wallet
app. Sending and receiving money with Google Wallet is
free
Founded: 2013
Other: Send money directly through your Gmail account

Google Wallet Transaction

Sender (Bank Account)

PayPa
l
Receiver (Bank
account)

Google Wallet fees / charges:


Method of Sending

Financial Cost

Google Wallet Account

Your Google Wallet balance is the money stored in your virtual wallet. With this
balance, you can send money to others, shop online and make in-store purchases
with your Google Wallet Card for free
You can add money to your balance from your bank account for free

Adding money from debit


or credit card

To add money from your credit or debit card, there is a flat 2.9% fee.

Stripe Overview (https://stripe.com/)


Company Overview

Stripe is Company that allows you to accept payments


online. Stripe aims to expand internet commerce by
making it easy to process transactions and manage an
online business. We want to increase the GDP of the
internet.
Founded: 2010
Other: A set of unified APIs and tools that instantly enable
businesses to accept and manage online payments.

Stripe Transaction

Sender (Bank Account)

PayPa
l
Receiver (Bank
account)

Stripe fees / charges:


Method of Sending

Financial Cost

Stripe Transaction

2.9% + $0.30 on all financial transactions


We charge a percentage-based fee each time you accept a credit or debit card
payment. The price is the same for all major cards, including American Express.
Theres no additional fee for international cards, failed charges, or refunds.

ACH and Bitcoin


payments

ACH and Bitcoin fees are capped at $5payments above $625 cost $5. We also
provide tools to verify customers bank accounts at no additional cost. We charge
$4 for failed ACH payments.

Bitpay Overview (https://bitpay.com)


Company Overview

Bitpay is a payment processor for the peer-to-peer digital


currency, Bitcoin.
Founded: 2014
Other: BitPay is the global leader in bitcoin payment
processing with offices throughout North America, Europe,
and South America. The company has raised over $32
million from top investors including Index Ventures,
Founders Fund, and Sir Richard Branson.

Bitpay Transaction

Sender (Bitcoins)

PayPa
l
Receiver (Bitcoins)

Bitpay fees / charges:


Method of Sending

Financial Cost

Free / Consumer account

Business Account

1% transaction fee
Unlimited transactions

Other info:

Credit cards take up to 3% in processing fees on every transaction. Accept bitcoin


with BitPay and get direct bank deposits in your own currency for a simple, flat
1% settlement charge.

0% fee
30 Transactions / month
Up to $1,000 daily
1% applied to additional transactions

Coinbase Overview (https://www.coinbase.com/)


Company Overview

Coinbase is a digital currency wallet service that allows


for you to buy and sell bitcoin.
Founded: 2012
Other: Coinbase makes it easy for the average person
and business to use the digital currency Bitcoin.
Coinbase lets any consumer to create a Bitcoin wallet and
start buying/selling Bitcoin instantly by connecting their
bank account.

Coinbase Transaction

Sender (Bitcoins)

PayPa
l
Receiver (Bitcoins)

Coinbase fees / charges:


Method of Sending

Financial Cost

Bitcoin payments

There is no fee to accept bitcoin payments. When converting bitcoin to your local
currency, the first $1,000,000 is also free. Over that amount there is just a 1% fee or
less based on volume

Bitcoin to Bitcoin

If you accept bitcoin and choose to keep those funds in bitcoin there is no charge or
transaction fee to accept payments

Bitcoin to Cash

If you choose to exchange bitcoin you receive into your local currency, then this is where
transaction fees come into effect. We charge 1% to convert bitcoin into your local currency
(or less based on volume). This fee is waived on your first $1,000,000 USD in merchant
processing. (Note that your bank or payout method may have additional fees that do not go
to Coinbase. For example, some banks may have a $0.15 per ACH bank payout fee in the
U.S.

Buying Bitcoins Fees - Coinbase

*Service Fees. Each Conversion Service transaction is subject to a fee (a "Service Fee," also referred to as a
"Conversion Fee"). The applicable Service Fee is displayed to you on the Coinbase Site prior to you completing
a Conversion Service transaction. Unless otherwise stated at the time of the transaction, the Standard
Conversion Service Fee is calculated as four percent (4%) of the local currency (e.g., USD) to be converted.

Circle Overview (https://www.circle.com/en)


Company Overview

Circle is building products aimed at enabling greater


ease-of-use in online and in-person payments, with
enhanced security and privacy, and the convenience of
free, instant, global digital money transfers.
Founded: 2013
Other: Circle is a Bitcoin broker offering its services in the
United States. Customers can buy bitcoin with a bank
account, credit card, or debit card.

Circle Transaction

Sender (Bitcoins)

PayPa
l
Receiver (Bitcoins)

Circle fees / charges:


Method of
Sending

Financial Cost

Sending bitcoins

There is no fee to accept bitcoin payments

Buying Bitcoins

Circle doesnt charge a fee, but generally has a sell price around 0.5% more than global
exchanges like Bitstamp. Among Bitcoin brokers, Circle often has the best rate.

Other info

Users are initially given a limit of $300 of combined buying/selling/sending per week.
After some time, you may be able to have this limit increased to $3,000.
When converting from one currency to another with Circle, you will be quoted a
competitive price derived by aggregating data from a range of market sources, which
may include our banking partners and exchanges. Most of the time, though not always,
the price will reflect the interbank mid-market rate plus a spread.

Buying Bitcoins Fees - Circle


You shouldnt have to pay fees to use your own money. We dont
charge fees when you convert funds to or from bitcoin with a linked
bank account, when you store your bitcoin, or for bitcoin transactions
Circle

Linked bank account incurs 0% fees to buy bitcoins

There is a credit card processing fee that is applied when buying your
Bitcoins with a credit card through Circle. This adds up to 2.9% which is not
exactly negligible

As soon as you have a Circle account, you have the ability to send an amount
of money shown in either US Dollars, British Pounds, or Bitcoin. It doesn't
matter who you're sending to, since we take care of all the conversion work
behind the scenes.

Anytime you decide to change currencies, you will be making a conversion


using Circle's exchange rates. Well display these rates to you before you
make the conversion. And please be aware that switching from bitcoin to
dollars is considered selling bitcoin and is therefore considered a taxable
event by the IRS.

Coinpip Overview (https://www.coinpip.com/)


Company Overview

Coinpip allows you to send money safely and quickly


using blockchain technology to countries including
Indonesia, Philippines and Vietnam
Founded: 2013
Other: Circle is a Bitcoin broker offering its services in the
United States. Customers can buy bitcoin with a bank
account, credit card, or debit card.

CoinPip Transaction

Sender (Bitcoins)

PayPa
l
Receiver (Bitcoins)

Coinpip fees / charges:


Method of
Sending

Financial Cost

Sending money
internationally

No forex charges, no minimums, flexible payment plan, mass payouts and more for only
2% flat fee.

MoneyPolo Overview (https://moneypolo.com/inten/)


Company Overview

MoneyPolo is a fast, affordable and secure, MoneyPolo is


the ideal choice for a flexible financial life, regardless of
business, income or location.
Founded: 2011
Other: Products include cash transfers, prepaid cards,
payment accounts, multi-currency accounts, & forex
services

MoneyPolo Transaction

Sender (MoneyPolo)

PayPa
l
Receiver (MoneyPolo)

MoneyPolo fees / charges:


Method of
Sending

Financial Cost

Sending money
internationally

Variable costs depending on where you are sending money (i.e. amount and location)
around 2.0%

MoneyGram Overview
(https://secure.moneygram.com/)
Company Overview

MoneyGram provides access to financial services for


consumers and businesses around the world.
Founded: 1940
Other: Services, available in 200 countries and territories
and in approximately 350,000 locations, are trusted by
tens of millions of consumers around the world.

MoneyGram Transaction

Sender (MoneyGram)

PayPa
l
Receiver (MoneyGram)

MoneyGram fees / charges:


Method of
Sending

Financial Cost

Sending money
internationally

Variable costs depending on where you are sending money (i.e. amount and location), no
standard rate

Cryptopay Overview (https://cryptopay.me/)


Company Overview

Cryptopay Bitcoin makes it easier than ever to transfer


money from one person to another. Buy bitcoins in the UK
and Europe and transfer them globally from your bitcoin
wallet without using a bank.
Founded: 2013
Other: Cryptopay is wallet and payment platform where
merchants and consumers can transact with each other,
backed by the new bitcoin payment protocol.

Cryptopay Transaction

Sender

PayPa
l
Receiver

Cryptopay fees / charges:


Method of
Sending

Financial Cost

Sending bitcoin
internationally

We charge a flat 1% fee for converting to or from BTC. Thats it - no hidden fees or unfair
pricing.

Bitpagos Overview (https://www.bitpagos.com/en/)


Company Overview

BitPagos is a full suite of financial services in emerging


markets using blockchain technology to make a cheaper,
faster and a more accessible financial system.
Founded: 2013
Other: Democratizing the access to financial services in
emerging markets through the use of blockchain
technology.

BitPagos Transaction

Sender

PayPa
l
Receiver

Bitpagos fees / charges:


Method of
Sending

Financial Cost

Bitcoin payments

Bitcoin processing subject to approval. Bitcoin processing and Bitcoin wallet service is
currently provided free of charge. Optionally you will have the option to pay a priority fee
to expedite a Bitcoin transaction through the Bitcoin network. This fee is not part of
BitPagos and will optionally be paid by you directly to the Bitcoin network.
*Pricing subject to change..

Credit Card
processing

Credit card processing subject to approval. 5% fee* on charged credit card transactions
with $0 setup and $0 monthly fees.

Coins.ph Overview (https://www.bitpagos.com/en/)


Company Overview

Coins.ph makes money transfer frictionless and


accessible to everyone through the use of mobile devices
and Blockchain technology.
Founded: 2014
Other: Coins.ph is a mobile platform connecting 300+
million people in Southeast Asia who are currently out of
reach for traditional banking with services from existing
banks and financial product providers. Our platform
utilizes existing retail infrastructure (10,000+ locations) for
deposits and withdrawals, cutting down on one of the
biggest cost components of traditional retail banking.

Coins.ph Transaction

Sender

PayPa
l
Receiver

Coins.ph fees / charges:


Method of
Sending

Financial Cost

Bitcoin payments
(buy / cash in
orders)

We charge a minimal fee of 1% (added to the Bitcoin price subtotal) to cover our
transaction costs on buy orders.

Bitcoin payments
(cash out orders)

We do not charge any transaction fees on cash-out orders.


We only charge payout fees to cover handling/shipping costs when sending payouts
through third-party services.

CoinJar Overview (https://www.coinjar.com/)


Company Overview

CoinJar is an Australian bitcoin platform that enables the


buying and selling of bitcoins and allows merchants to
accept bitcoin payments.
Founded: 2013
Other: CoinJar is an Australian bitcoin platform that
enables the buying and selling of bitcoins and allows
merchants to accept bitcoin payments.

CoinJar Transaction

Sender

PayPa
l
Receiver

CoinJar fees / charges:


Method of
Sending

Financial Cost

Bitcoin receiving
fees

No fee

Bitcoin payment
fees

See next slide

CoinJar Fees