2.9% + $0.30 sounds reasonable, right? But your actual number all-in: 7%. 7% seems to be the going-rate for allowing startups to operate. It’s the rate to get access to investors via an accelerator. It’s also become the rate to simply transact. Here’s the math taken from a real-world example: Real company example doing $250,000 / month with $25 average ticket size. Card processing fees - 2.9% = $7,250 - 30¢ × 10K charges = $3,000 - Intl/FX surcharges = $1,500 $11,750 all-in, 4.7% effective rate Disputes: $3,000 200 a month (2% dispute rate) at $15 14% win rate so $4,300 more in revenue claws back Billing/Subscriptions Platform Fee: $1,750 (0.7% of every recurring charge) Other: $250 Total: $16,750/month. That’s OVER $200,000 PER YEAR IN FEES. Interchange is what every processor needs to pay their underlying bank and card networks. This is typically 2%. So… the processor's profit margin: 71% (or 5% on an absolute basis) Bolt's profit margin is only about 1% on an absolute basis. That’s an 80% reduction. 100% off of billing fees (it’s free) 100% of fees returned on refunds 66.6% off of chargeback fees ~60% off of the payment margin. Ready to switch? Message me now: ryan@boltapp(dot)com

I am thrilled to share that we've promoted @HaydenMcternan to @Bolt's VP of Sales. Many Bolters will recognize his name as Hayden was one of our pivotal AEs who took us from $1m to $40m ARR. Hayden left upon my departure and rejoined on my return. Perhaps the best sales leader I've worked with, he is a warrior, hyper-intelligent, and able to find the win-win in every deal. Bolt will be a powerhouse once again under his leadership ⚡️💪 Anyone ready for a lower-cost, higher-converting, and founder-first payments partner, shoot him a note right now! hmcternan@boltapp [dot] com

Did you know that your payment processor keeps their fees whenever you issue refunds? Switch to Bolt, and have your fees returned on refunds.

Bolt is ready - Self-serve onboarding - Subscriptions - Connect for marketplaces - 100m+ Bolt IDs - 100% fraud coverage - Every popular developer SDK - Fully managed checkout or embeddable components Make the switch ⚡️

MAJOR UPDATE: BOLT IS NOW 100% SELF-SERVE. Integrate with any agentic coding tool in < 3 hours. LOWEST PRICES in market. 2.5% + $0.30, discounts w/ volume. Go to bolt(.)com ➡ click "get started" ⚡️⚡️⚡️

Thank you The Telegraph for this in-depth interview. 1700 comments and growing... all in agreement. It's great to see this HR replacement movement spreading across the internet, memes, and even shows/movies! Link below 👇