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  "documentTitle": "Pitch deck credit-card startup Tandym used to raise its seed round",
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  "authorName": "Tandym",
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  "notes": "The chart uses a waterfall-style decomposition to show the breakdown of $93B in merchant payment costs.",
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      "kind": "disclaimer",
      "text": "Sources: US Census Bureau’s Annual Business Survey and Core Business Statistics; US Federal Reserve Cash Product Office’s Diary of Consumer Payment Choice; various annual reports.",
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      "text": "Equivalent to the 50bps that Tandym charges for processing",
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      "text": "Fundamentally, we are redistributing economics from big banks to merchants and their customers",
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