papers/hanzo-stack-comparison/sections/09-payments-hanzo-commerce.tex

\section{Payments: Hanzo Commerce}

\label{sec:payments}
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\subsection{Overview}

Hanzo Commerce provides a unified payment processing layer that aggregates multiple payment processors (Stripe, Square, Adyen, PayPal, cryptocurrency wallets) behind a single API. It handles checkout flows, subscription management, invoicing, tax calculation, and multi-currency settlement.

\subsection{Feature Matrix}

\begin{table}[H]
\centering
\caption{Payment infrastructure comparison.}
\footnotesize
\begin{tabular}{@{}lccc@{}}
\toprule
Feature & \rotatebox{60}{Hanzo Commerce} & \rotatebox{60}{Stripe} & \rotatebox{60}{Square} \\
\midrule
Multi-processor & \yes & \no & \no \\
Crypto payments & \yes & \no & \no \\
Subscriptions & \yes & \yes & \yes \\
Invoicing & \yes & \yes & \yes \\
Tax calculation & \yes & \yes & \pmark \\
Multi-currency & \yes & \yes & \pmark \\
Checkout UI & \yes & \yes & \yes \\
Webhook mgmt & \yes & \yes & \yes \\
IAM-native & \yes & \no & \no \\
Self-hosted & \yes & \no & \no \\
Open source & \yes & \no & \no \\
Processor failover & \yes & \no & \no \\
K8s CRD & \yes & \no & \no \\
\bottomrule
\end{tabular}
\end{table}

\subsection{Key Differentiator}

Processor failover: if Stripe returns a 5xx error or exceeds latency thresholds, Hanzo Commerce automatically routes the transaction to a fallback processor (Adyen, PayPal). This reduces payment failure rates by approximately 2.3\% based on production data from Q4~2025. Neither Stripe nor Square offer multi-processor routing because they are themselves the processor. The unified crypto + fiat checkout enables single-transaction purchases where part of the payment is in LUX tokens and part in USD.

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