In the competitive world of digital content, streaming platforms thrive by making it easy for viewers to subscribe, donate, or tip in real time. However, payment friction can seriously hurt user experience and conversion rates—especially in Europe, where users expect smooth bank-to-bank transactions and growing segments are crypto-savvy.
A European-based streaming platform offering live creator content faced these very challenges. Seeking a faster, more inclusive payment solution that could cater to a broad viewer base and content creators across borders, they turned to Monetum.
The Challenge: Legacy Payment Infrastructure Held Them Back
The platform offered subscription and tipping features across several European markets. But their existing payments provider relied heavily on card processing networks, which created multiple issues:
- High merchant fees and transaction charges on micro-payments.
- Frequent chargebacks, especially for recurring payments and trial subscriptions.
- Slow payouts to content creators, impacting trust and satisfaction.
- Lack of crypto support, which limited access to an emerging user base and creators earning in tokens.
- No direct banking integration, causing payment drop-offs during checkout.
The team needed a reliable way to support viewer payments and creator payouts across both euro and crypto rails, while keeping costs under control.
The Monetum Solution: Euro and Crypto Payment Integration
Monetum provided the streaming platform with a fully integrated, all-in-one financial toolkit:
- Open Banking payment flow, letting viewers across Europe send SEPA payments directly from their bank accounts with one click—no card needed.
- Batch SEPA transfers to content creators, automating payouts weekly or daily with low fees.
- On-chain wallet system, enabling users to tip in BTC, ETH, or USDT, and convert to EUR instantly.
- Dedicated IBANs and a clean transaction dashboard for transparency and reconciliation.
- API access, allowing seamless backend integration to embed payments directly into the app.
With Monetum, the platform didn’t need to choose between fiat and crypto—it could offer both.
The Impact: Better Conversion, Happier Creators, Lower Costs
- 30% improvement in checkout completion, due to frictionless Open Banking payments.
- More than €50K annual savings from reduced card processing fees and crypto exchange markups.
- Faster creator payouts, helping onboard more talent and drive retention.
- Crypto tipping enabled new monetization channels, especially for audiences outside the EU.
- Operational simplicity, with centralized controls, reporting, and real-time monitoring.
The streaming platform was also able to introduce new micro-subscription models, knowing they had a low-cost, high-speed payment engine behind them.
Why It Matters
With Europe’s digital content market expected to exceed €80 billion by 2026, platforms that streamline payments will lead the race. In a market where creators expect fast payouts and users expect flexible payments, Monetum delivers both.
