PAYMENT TYPE                 TRANSACTION FEE                  TIME                      NOTES
================================================================================================================================
Credit Card                  2-3% + $0.30                     Instant to Merchant       High fees for merchants; chargeback risk.
Debit Card                   Regulated: 0.05% + $0.21         Instant to Merchant       Low fees; subject to Durbin Amendment caps.
                             Unregulated: 0.9% + $0.15                                
ACH Transfer                 $0.20 - $1.50                    3-5 Business Days         Limited to domestic transfers; funding risk.
International Wire           $30 - $50                        1-5 Business Days         High fees; includes exchange rate markups.
Remittance Services          ~6.65% (for $200 transfer)       Minutes to Days           Fees and time vary by service/destination.
Peer-to-Peer Payment App     Free (P2P transfers)             Instant to 1 Day          Fees for instant transfers/credit card use.
                             1-3% (Business payments)                                
Stablecoin Transfer          <$0.01                           Seconds to Minutes        Global availability; minimal fees.
=================================================================================================================================

PAYMENT TYPE           FEE                 TIME               NOTES
================================================================================
Credit Card            2-3% + $0.30        Instant            High fees; chargeback risk.
Debit Card             0.05% + $0.21       Instant            Low fees; Durbin caps apply.
                       0.9% + $0.15                          
ACH Transfer           $0.20 - $1.50       3-5 Days           Domestic; funding risk.
Intl Wire              $30 - $50           1-5 Days           High fees; exchange markups.
Remittance Service     ~6.65% ($200)       Min-Days           Varies by service/country.
P2P App                Free (P2P)          Instant-1 Day      Fees for instant/credit use.
                       1-3% (Business)                        
Stablecoin             <$0.01             Sec-Min            Global; minimal fees.
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