The fact that credit cards take 3%+ of every transaction is so normalized that we only notice when a restaurant dares to show us

The system is so broken that paying digitally costs more than paying with paper

I’ve been saying this for a while, but all crypto companies need to do is charge 1% less than this with a terminal on checkout and merchants will heavily consider it. In a time where operation costs are skyrocketing due the knock on effect of tariffs, making it the more accessible and cost effective option will help considerably with adoption.

off & onchain operations
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Daimo Pay. Build once, distribute everywhere

Let's say the payment terminal offers two options at check out.
Option 1 is for traditional credit 
Option 2 is for crypto, and beside that option is a bold text that says "save x% by using this option" 
In other words, you frame it the same way vendors frame the cash over card option. 
If the end user is unfamiliar with crypto then they can scan a QR code that can onboard them to Daimo and educate them on how seamless the experience can be.

Charging 1% less is the easy part. Getting consumer distribution so anyone uses the new option is the hard part

The onchain commerce protocol slice.so | follow /slice to stay up to date

Just comparing network fees isn't the whole piece though. 

Swift messages are pennies. The card network includes overheads for compliance, AML, risk, consumer protections, fraud protection.

Onchain is also network fees, gas fees, on/off ramp fees and any additional operational overhead that needs to be covered.