We're Giving
$5,000,000,000
Back to the Building Materials Industry

Payment optimization isn’t just a tech upgrade—it’s a profit strategy that can boost your margins by up to 25%.

Calculate Your SavingsSee How It Works

Why margins are so tight and what’s being missed

5–7%

Average industry profit margin

2.5–3.5%

Average card processing cost

$5B+ in lost profits

Missed opportunity
The Solution

Reclaim Lost Profits With Fractal

Fractal enables payment optimization through proprietary Pay-by-Bank and compliant surcharge programs — increasing your profit margins by 20–25% without changing how you operate.
01

Invoice sent

02

Pay-by-bank

03

Instant funding

04

Higher margin

Join the Initiative

Estimate Your Revenue with Fractal

See the revenue you are missing and the cost savings you could deliver: Integrate Fractal with your Construction Platform.

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What is your estimated total annual revenue?
500000000
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What % of your annual revenue is paid with credit cards?
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Fee pass‑through rate
Fractal automatically apply credit‑card fees to a fixed share of transactions.
10%
View results below

55% Savings with Fractal, 43% More Gross Profit

55% Savings with Fractal,
‍ 43% More Gross Profit

Net Cost
Detailed
Avg. Processor
$1,953,767
Fractal
$874,384
Avg. Processor
Fractal logo
Savings
Pay-by-bank (ACH) transactions are up to 90% cheaper than credit cards and they're more secure
Card Fees
$1,375,000
$962,500
$412,500
Bank Fees
Pay-by-bank (ACH) transactions are up to 90% cheaper than credit cards and they're more secure
$0
$45,000
–$45,000
Chargebacks
Fractal can reduce your chargeback exposure with more secure pay-by-bank payments and enhanced security features like 3DS
$250,000
$87,500
$162,500
Late-Pay Cost
Delayed payments are expensive, reduce aging AR with payments you can receive in as little as the next day
$328,767
$164,384
$164,384
Pass-Thru Savings
Offset as much or as little of your credit card processing fees as you would like with fee pass through
$0
-$192,500
$192,500
Net Cost
Fractal can reduce your chargeback exposure with more secure pay-by-bank payments and enhanced security features like 3DS
$1,953,767
$874,384
$1,079,384
Avg. Processor
Fractal
Savings
Pay-by-bank (ACH) transactions are up to 90% cheaper than credit cards and they're more secure
Card Fees
$1,375,000
$962,500
$412,500
Pay-by-bank (ACH) transactions are up to 90% cheaper than credit cards and they're more secure
Bank Fees
$0
$962,500
$412,500
Fractal can reduce your chargeback exposure with more secure pay-by-bank payments and enhanced security features like 3DS
Chargebacks
$1,375,000
$962,500
$412,500
Delayed payments are expensive, reduce aging AR with payments you can receive in as little as the next day
Late-Pay Cost
$1,375,000
$962,500
$412,500
Offset as much or as little of your credit card processing fees as you would like with fee pass through
Pass-Thru Savings
$0
$962,500
$412,500
Fractal can reduce your chargeback exposure with more secure pay-by-bank payments and enhanced security features like 3DS
Net Cost
$1,375,000
$962,500
$412,500
Start Optimizing Your Fees Now
Let's talk
*Estimates for illustrative purposes Only
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Real Businesses.
Real Margin Growth.

profit gain
Key stat

Hoffman Construction Company

Command Alkin is teaming up with Fractal Pay to power the most seamless and secure payment process for the construction industry
Learn more
profit gain
Key stat

Turner

Learn what embedded payments are, and how they are posed to revolutionize the way we pay.
Learn more

Built With the Industry’s Most Trusted Platforms

FractalPay integrates with the platforms you already use—and we’re expanding fast. Interested in partnering?
Become a Partner

Don't Leave Money
on the Table

Join the Billions Back Initiative and start increasing your profit margins today.
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+1 (513) 201-7420⁩
35E 7th St, Suite 715, Cincinnati, OH 45202
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