Tool #74 -- Payment Automation
Mike Payment SystemSave 3% CRC Fees Forever
Replace Mike's CashApp/Venmo chaos with FREE Stripe automation. Client self-serve portal + dispute status dashboard. Scale to 500+ clients seamlessly.
Payment Fee Calculator
25subscribers
$97per client/month
3%lost to CRC fees
Gross Revenue
$2,425
/month
CRC Fees Lost
-$73
/month (3%)
Stripe Cost
-$78
/month (2.9% + $0.30)
Monthly Savings
+$-5
vs CRC fees
Annual CRC Fees Lost
$873
wasted per year
Annual Savings
$-61
kept with Stripe
3-Year Savings
$-183
total recaptured
Revenue Retention Comparison
Mike + CRC (3% fee)$2,352/mo
CreditAIPro + Stripe (2.9%)$2,347/mo
Mike CashApp vs Stripe Automation
Mike Manual ($49.99/mo)
- xCashApp/Venmo -- no recurring billing
- x3% CRC transaction fees on top
- xManual payment chasing every month
- xNo client self-serve portal
- xDispute status via text/email only
- xRealistically caps at 5-10 clients
Stripe Automation ($0)
- +Client self-serve payment portal
- +0% platform fees (only 2.9% processing)
- +Auto recurring billing + retry logic
- +Dispute status dashboard for clients
- +Professional branded invoicing
- +Scale to 500+ clients seamlessly
12-Feature Payment Comparison
Tap any row to expand. CreditAIPro wins 12 of 12 payment categories.
| Feature | Mike DIY | DisputeBeast | CRC ($97/mo) | CreditAIPro |
|---|---|---|---|---|
| [+] Recurring Billing | Manual CashApp | None | Built-in (3% fee) | Stripe (0% platform fee) |
| [+] Client Self-Serve Portal | None | None | Basic | Full Stripe Portal |
| [+] Auto Payment Reminders | Text messages | None | Email only | Multi-channel auto |
| [+] Dispute Status Dashboard | None | Consumer only | Basic CRM | Real-time tracking |
| [+] Revenue Analytics | Spreadsheet | None | Basic reports | Full Stripe dashboard |
| [+] Failed Payment Recovery | Manual chase | None | Basic retry | Smart retry logic |
| [+] Professional Invoicing | None | None | Template | Branded auto-invoice |
| [+] Multi-Client Scaling | 5-10 max | N/A | Unlimited (3% fee) | Unlimited ($0 fee) |
| [+] Refund Management | Manual | None | Manual | 1-click Stripe refunds |
| [+] Compliance Receipts | None | None | Basic | Auto CROA-compliant |
| [+] Payment Method Variety | CashApp only | None | Cards + ACH | Cards + ACH + more |
| [+] Monthly Platform Cost | $0 + chaos | $49.99/mo | $97/mo + 3% | $0 forever |
0/12
Mike DIY
0/12
DisputeBeast
6/12
CRC ($97/mo)
12/12
CreditAIPro
Honest Verdict
Mike CashApp Approach
Works for 1-5 clients. CashApp/Venmo has no recurring billing, no portal, no analytics. You'll spend 5+ hours/week chasing payments manually. Not scalable.
CRC Built-in Payments
Professional but expensive. 3% transaction fee on every payment means a 50-client agency at $97/client loses $1,746/year. Works if you accept the margin hit.
CreditAIPro + Stripe
Maximum revenue retention. Standard 2.9% card processing with zero platform fees. Auto-billing, client portals, analytics, and 74 free tools included.
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