Don't like a 15% cut on every payment? Trade it for a flat monthly instead. Slide to the split that suits you, the monthly figure becomes your Blue Heart subscription.
What you process through Blue Heart in a typical month. This is what makes the trade real.
Keep 15% fee, R0/mo0% fee, flat monthly
7.5%
transaction fee you'd still pay, buying down 7.5%
Per-transaction fee
R1,500
7.5% on R20,000
+ Flat monthly
R1,500
your Blue Heart subscription
Your Blue Heart subscription becomes
R1,500/mo
+ 7.5% on transactions
How it works: today Blue Heart keeps 15% of each payment. With buy-down, you lower that percentage and pay the difference as a flat monthly instead, that monthly amount is billed to you as your own Blue Heart subscription.
Why volume matters: a flat monthly only wins once you're processing enough. At low volume the 15% is cheap, so a big monthly is a worse deal. At high volume the 15% is large, so swapping it for a flat monthly can save you money. The slider shows you where you actually land.
Ready to set this up? Start a circle, or speak to us about buying down an existing one.