Most cross-border patient invoices look fine on the surface — the card authorizes, the patient leaves happy. Then the deposit hits a week later, 5–7% lighter than the invoice. The culprits stack: the issuer FX markup (1.5–3%), the network's cross-border assessment (1%), the acquirer's foreign-card surcharge (0.6%) and a SWIFT wire from a USD acquiring bank into a TRY operating account (≈1.2%).
Baynoy collapses this. The patient's card is authorized in their local currency through Stripe's presentment-currency conversion, so the issuer-side FX disappears. We settle via Stripe Crypto Payouts as USDC into a wallet the clinic controls, removing the SWIFT leg entirely. The clinic then off-ramps USDC to TRY via a local OTC partner at interbank — typically 0.3% spread instead of 1.5%.
Net effect on a $4,800 IVF cycle: $192 reclaimed per patient. At 30 patients/month that is a senior nurse's salary back in the budget.