Key Findings
- 1As transaction fees compress toward zero, the smartest cross-border payment companies are building revenue streams that don't depend on per-transaction pricing.
Overview
The cross-border payment industry's revenue model is under structural pressure. Average remittance fees have dropped from 9.5% to 4.1% in 5 years. B2B payment fees are compressing from 3-5% to 0.5-1.5%. The trend is clear: transaction fees are heading toward zero.
"B2B payment fees are compressing from 3-5% to 0."
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7 Alternative Revenue Models
1. **FX Treasury Services**: Instead of charging per transaction, offer businesses multi-currency accounts with competitive FX rates. Revenue comes from FX spread on larger volumes. AZA Finance model.
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