Microtransaction economics

Can the payment survive the fee?

Model a tiny payment, expose the cost that consumes it, and calculate the settlement size that makes the business viable.

Set the economics

Use your own quoted fees. This lab does not invent live network prices.

$0.0100
$0.0050
1.00%
10,000
5.0%
Fee dominatesPay-per-use API
51.0% fee

For every $1.00 of value, $0.51 goes to transaction costs. Batch 13 payments to reach your 5% ceiling.

Fee / transaction$0.0051fixed + percentage
Net / transaction$0.004949.0% retained
Daily fees$51.00from $100.00 gross
Viable settlement$0.1250batch 13 transactions

The failure is measurable. So is the fix.

A tiny payment can carry real value and still fail as a business model. The useful threshold is where the fixed fee is diluted enough to leave your chosen share intact.

Single payment
49.0%
Suggested batch
95.2%
2x threshold
97.0%
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