Fractal, a new fintech platform exclusively servicing SaaS companies, has launched new payment processing services in the US, with an aim to save merchants significant sums of money.

Fractal explained that it hopes to compete directly with the likes of Stripe head-on by offering simpler service with up to 30 per cent savings – by reducing fees through unique lowest-cost routing.

Payment companies often try to compete with each other on price by single basis points (0.0001 per cent). Because of a lack of significant price differences between payment firms, fees can still reach millions of dollars for merchants and retailers. Fractal hopes to emerge as a difference maker.

Brian Nichols, founder of Fractal, discussed the launch: “Payment processing has historically been overly complex for many SaaS businesses and their merchants. With the amount of regulatory, finance, and technical experience needed, many leave this stalled on their roadmap for too long. Fractal’s new offering allows platforms to simply add payments and instantly make money.”

Taking advantage of an amendment to Reg II in October 2023, Fractal offers revenue-sharing plans in payments. Amid ongoing economic turbulence, many SaaS companies have been forced to lay off employees to survive.

Fractal’s technology reduces fees so dramatically they are offering the lowest-cost processing for merchants and an aggressive revenue-sharing plan for SaaS platforms.

James Greaves, president and co-founder of Fractal, also added: “The number one way for SaaS companies to make more money in 2024 is to embed finance. We make it simpler and easier than anyone else.”

This new service smoothly handles merchant onboarding, a major friction point in the market. It also offers pre-built embeddable payment flows for companies looking to add payments quickly – such as checkout options for online retail and payment links for electronic invoicing – and an API for companies that need complete control and customisation.

Bitcoin (BTC) should not worry traders after the biggest one-day drop of 2023 if one chart fractal plays out.

In a post on X (formerly Twitter) on Dec. 12, popular trader Alan Tardigrade revealed uncanny similarities between Bitcoin now and four years ago.

Bitcoin “repeating” post-COVID uptrend

Bitcoin may be struggling to clear key long-term resistance, but one comparison suggests that it is “business as usual” for BTC price action.

Uploading a chart fractal from late 2019 through mid-2021, Tardigrade highlighted a Bitcoin bull market blueprint, which is now making a conspicuous return.

Since late 2022 — the most recent multi-year low for BTC/USD — price recovery has followed the 2020-21 pattern practically move-for-move.

Even this week’s comedown is a reflection of a similar event on the way to what remains Bitcoin’s all-time high of $69,000.

“Bitcoin is repeating the moves in 2019-2021,” Tardigare wrote in accompanying commentary.

“Take some rest and GO.”

Tardigrade is known for his positive takes on Bitcoin price metamorphosis. Another long-term theory puts 2019 as a launchpad for a much broader “bull market cycle” — one with a BTC price target of up to $400,000.

Bitcoin, he argues, is now in a stage of “renewed optimism” after cementing a “bear trap” at the 2022 lows.

#Bitcoin has been in a long term Bull Market Cycle since 2019.
The pattern of Bull market cycle is identified in $BTC and it is now in the stage of “Renewed Optimism”, the first stage of Blow-off phase.
Next stage is “FOMO” when it reaches over $100k.
In the “Euphoria” stage,… pic.twitter.com/XNdaQoSQ7T

— Trader Tardigrade (@TATrader_Alan) December 11, 2023

New all-time high in early 2025?

Fractals from past price cycles are increasingly common in the current crypto landscape.

Related: ‘Early bull market’ — Bitcoin price preps 1st ever weekly golden cross

Last week, another popular social media commentator known as Nunya Bizniz on X suggested that Bitcoin could be likewise repeating its progress from 2020.

BTC daily:

Alternate look at the 2020 fractal.

pic.twitter.com/X3iN20UU2Z

— Nunya Bizniz (@Pladizow) December 9, 2023

Despite this coming before the Dec. 11 drop, time remains for the fractal to continue playing out.

Subsequent analysis meanwhile queried how long BTC price might take to create a new all-time high. From its long-term low to new peak, the pair has taken four weeks longer each cycle, giving a 27-month timeframe next.

This would create a deadline for hitting a new all-time high in February 2025.

BTC monthly:

Low to new ATH: 15, 19, 23, ……..

Next in sequence, 27months?

pic.twitter.com/LEKKiC52d0

— Nunya Bizniz (@Pladizow) December 12, 2023

This article does not contain investment advice or recommendations. Every investment and trading move involves risk, and readers should conduct their own research when making a decision.