Position Clarity Price the rails

The Settlement Bill

One thing is measured here: the fees. Take a year of payments and move the same money four ways: wires, EFT, cards, and a stablecoin over a public network. Each receipt totals what that rail would charge in fees over the year, math shown. The money itself is not on the bill; it arrives either way. Then read the second price on every receipt, the arrival line: how long the rail keeps your money in transit.

Educational tool. Not financial or investment advice. Typical published fees, not a quote

The receipts recalculate as you move anything. The stamp lands on the lowest fee bill; the arrival line is the price most people never look at.

Whose year is this?

Payments per month50

Average payment$2,000 CAD

The sliders are quick presets; the boxes take your exact numbers.

Include converting in and out of the stablecoin (about 0.5% combined for business volumes; excluded if both sides settle in stablecoins)

Your current mix (optional): how does this volume move today?

Wires % EFT % Cards % Stablecoin %

Enter the rough shares and a fifth receipt prices the year you are actually having.

Price the settlement lag (optional): your cost of capital

Annual rate %

This tool does not invent your cost of capital. Type yours and each receipt adds a line pricing the days your money spends in transit.

The year-end receipts

Pick a business above to print its receipts.

Advising clients who hold or accept crypto? The plain-English materials built for that conversation live in For Advisors.

Share this bill Post on X The link carries your exact volume, so whoever opens it sees the same bill. Print gives you the receipts as a one-page artifact for a meeting.

Where these numbers come from

Wire fees: Canadian banks publish outgoing wire fees in the $15 to $45 range (plus intermediary and receiving fees this tool leaves out, again generous to the incumbent rails); the calculator uses $30 flat. EFT: business EFT/ACH items typically price between free and a few dollars depending on bank package; $1.50 is the working figure. Cards: the widely published small-business blended rate is about 2.9% plus $0.30 per transaction, per Stripe's posted Canadian pricing (large merchants negotiate lower interchange; small ones rarely do).

Stablecoin rail: a $0.05 network fee is deliberately rounded up; typical fees on Base, Solana, the XRP Ledger and Stellar are cents or fractions of a cent, measured live on our Fee Weather board. Conversion in and out through an exchange or payments provider at business volumes typically runs near half a percent combined, which the toggle applies. Where both counterparties keep stablecoin balances, that edge cost mostly disappears.

Settlement lag is shown, and priced only on your numbers. Days of float have a real cost to a business (working capital, weekend gaps, cut-off times), but pricing it requires an assumption about your cost of capital that this tool refuses to invent. If you type your own rate into the optional row, each receipt adds a transit line computed as volume times days in transit divided by 365 times your rate, using the midpoint of each rail's published arrival window (wires same day, EFT and cards about two days, the stablecoin rail minutes).

Your current mix prices the blend you enter with the same per-rail figures as the four single-rail receipts, weighted by your shares. The delta line compares fees only; recourse, chargeback cover and habit are real considerations a fee receipt cannot carry.

What this tool does not say: that any business should switch rails. Card acceptance buys chargeback protection and customer habit; wires buy bank recourse; EFT buys simplicity. Stablecoin rails buy speed and cost, and carry their own regulatory, custody and counterparty questions that live outside a calculator. Figures last reviewed July 2026.

Position Clarity. Directional education only, not financial or investment advice, and not personalized to your circumstances. Every figure is a rounded published rate; your bank, processor or venue will differ. Position Clarity is not registered with any Canadian securities regulator. Speak to a licensed professional before acting on anything you read here. More free tools at positionclarity.ca/tools.