BinaxPay Module Stack Margin

BinaxPay resale economics scale with how many modules a client activates, not how many clients an agency signs. A single-module deployment (payments-only via API) carries thin margin because the agency still absorbs KYC/KYB document collection and onboarding review. Stacking modules changes the math: multi-currency accounts with IBANs, virtual and physical card issuance, cross-border payments with FX conversion, and crypto on/off-ramps each add billable surface. The platform's own retail tiers show the spread, with BinaxPay Plus at £19.99 monthly and BinaxPay Black at £39.99 monthly, and a one-time personal verification fee of £15 on both. An agency running the BinaxPay Local Payments Setup offer at $470/mo over 16h setup plus 3h/mo should push each client toward at least three active modules before treating the retainer as profitable. Track module count per client quarterly; a client stuck on one module for two quarters is a margin drag, not a growth account.