What the calculator counts
Card processors and PayPal charge a percentage plus a fixed fee on every order, so small orders pay a much higher effective rate. On top of that, each lost chargeback costs you the order value (the goods are already delivered) and a dispute fee. A crypto payment gateway charges a percentage only, and a confirmed blockchain payment cannot be reversed by the payer — refunds stay your decision.
When crypto is (and is not) cheaper
The gap is largest for digital goods, low order values and businesses with frequent disputes. If your customers rarely pay with crypto, card payments stay necessary — many stores offer both. Read crypto payment gateway fees explained, crypto payments vs credit cards and chargebacks and USDT TRC20 vs ERC20 for merchants to choose networks with low fees for your customers.