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KAELUM Interactive Models

Card Fees Comparison Model

See what extractive card fees cost your business, and how KAELUM compares.

Independent businesses hand a slice of every sale to the card networks. European payment leaders have publicly called for alternatives to that dominance. This model compares, illustratively, what your card fees cost against accepting KLM on KAELUM. Enter your own figures. On KAELUM the platform transaction fee is paid by the customer, not by you; your only cost is the 2.5% redemption fee (1.8% with a verified subscription), and only on the share of KLM you convert to cash rather than recirculate.
Your numbers
Monthly card turnover£20,000
Your effective card fee1.8%
Share of KLM you convert to cash60%
Illustrative annual comparison
Card fees
£4,320
you pay, per year, on card turnover
On KAELUM
£3,600
your redemption cost, per year
Illustrative annual difference
£720
The more KLM you recirculate within the ecosystem rather than convert to cash, the lower your cost on KAELUM.
This is an illustrative model based on the figures you enter, including a card fee rate you set yourself. It is not a forecast, a guarantee, financial advice, or a statement of any card network's actual fees. Your result depends on your own inputs and on how much KLM you recirculate rather than redeem. KLM is a commerce currency fixed at £0.20 per unit and does not appreciate. KAELUM operates a closed-loop arrangement which the company considers falls within the exclusion at regulation 3 of the Electronic Money Regulations 2011 and paragraph 2(k) of Part 2 of Schedule 1 to the Payment Services Regulations 2017.
Stop giving margin to card networks
GOVERNED BY K.A.T.E. · KAELUM.APP
Spend KLM Units. Save 6%+ at every participating Merchant. Real value with every purchase.KLMNot Crypto. Not Blockchain. Not speculation. KAELUM is Agentic Ai Native.KLMZero chargebacks by design. KAELUM Merchants get paid in real Money, every time.KLMK.A.T.E. Governs the Rails. You Govern the Spend. Agentic Banking is live on KAELUM.KLMCreators: turn any post into a checkout. Monetise your audience directly with Social Paylinks.KLMBecome a KSC currency operator. Earn 2.5% commission on every transaction your sub-currency generates.KLMKAELUM Tesserae: Ai-governed Non-Fungible digital assets of ownership and access.KLMIf you still think Loyalty Points are a Reward, you have never been Paid to Shop. KAELUM Users have!KLMKLM is fixed at £0.20. It never expires and it is not a speculative asset. That is by Design.KLMSpend KLM Units. Save 6%+ at every participating Merchant. Real value with every purchase.KLMNot Crypto. Not Blockchain. Not speculation. KAELUM is Agentic Ai Native.KLMZero chargebacks by design. KAELUM Merchants get paid in real Money, every time.KLMK.A.T.E. Governs the Rails. You Govern the Spend. Agentic Banking is live on KAELUM.KLMCreators: turn any post into a checkout. Monetise your audience directly with Social Paylinks.KLMBecome a KSC currency operator. Earn 2.5% commission on every transaction your sub-currency generates.KLMKAELUM Tesserae: Ai-governed Non-Fungible digital assets of ownership and access.KLMIf you still think Loyalty Points are a Reward, you have never been Paid to Shop. KAELUM Users have!KLMKLM is fixed at £0.20. It never expires and it is not a speculative asset. That is by Design.KLMSpend KLM Units. Save 6%+ at every participating Merchant. Real value with every purchase.KLMNot Crypto. Not Blockchain. Not speculation. KAELUM is Agentic Ai Native.KLMZero chargebacks by design. KAELUM Merchants get paid in real Money, every time.KLMK.A.T.E. Governs the Rails. You Govern the Spend. Agentic Banking is live on KAELUM.KLMCreators: turn any post into a checkout. Monetise your audience directly with Social Paylinks.KLMBecome a KSC currency operator. Earn 2.5% commission on every transaction your sub-currency generates.KLMKAELUM Tesserae: Ai-governed Non-Fungible digital assets of ownership and access.KLMIf you still think Loyalty Points are a Reward, you have never been Paid to Shop. KAELUM Users have!KLMKLM is fixed at £0.20. It never expires and it is not a speculative asset. That is by Design.KLM