|
| 1 | +import { useState } from 'react'; |
| 2 | + |
| 3 | +export const PaymentProcessorQA = () => { |
| 4 | + const [openIndex, setOpenIndex] = useState(0); |
| 5 | + |
| 6 | + const faqs = [ |
| 7 | + { |
| 8 | + question: "How much cheaper is Request Network?", |
| 9 | + answer: ( |
| 10 | + <div className="space-y-3"> |
| 11 | + <p> |
| 12 | + Request Network charges <strong>0.05% (5 basis points)</strong> per transaction. |
| 13 | + </p> |
| 14 | + <p> |
| 15 | + Traditional processors like Stripe and PayPal charge <strong>2.9% + $0.30</strong> per transaction. |
| 16 | + </p> |
| 17 | + <div |
| 18 | + style={{ |
| 19 | + background: 'linear-gradient(to bottom, rgba(1, 176, 137, 0.05), rgba(1, 176, 137, 0.08))', |
| 20 | + borderColor: 'rgba(1, 176, 137, 0.2)' |
| 21 | + }} |
| 22 | + className="rounded-lg p-4 border dark:bg-gradient-to-b dark:from-[#002419] dark:to-[#003326] dark:border-[rgba(1,176,137,0.3)]" |
| 23 | + > |
| 24 | + <p className="font-semibold text-gray-900 dark:text-gray-100 mb-2"> |
| 25 | + Example: On a $10,000 payment |
| 26 | + </p> |
| 27 | + <div className="space-y-1 text-sm"> |
| 28 | + <div className="flex items-center justify-between"> |
| 29 | + <span className="text-gray-600 dark:text-gray-400">Request Network:</span> |
| 30 | + <span className="font-semibold text-green-600 dark:text-green-400">$5 fee</span> |
| 31 | + </div> |
| 32 | + <div className="flex items-center justify-between"> |
| 33 | + <span className="text-gray-600 dark:text-gray-400">Stripe/PayPal:</span> |
| 34 | + <span className="font-semibold text-red-600 dark:text-red-400">$290 fee</span> |
| 35 | + </div> |
| 36 | + </div> |
| 37 | + </div> |
| 38 | + <p className="text-sm text-gray-600 dark:text-gray-400"> |
| 39 | + That's <strong className="text-primary-600 dark:text-primary-400">58x cheaper</strong> with Request Network. |
| 40 | + </p> |
| 41 | + </div> |
| 42 | + ), |
| 43 | + }, |
| 44 | + { |
| 45 | + question: "What does 'non-custodial' mean?", |
| 46 | + answer: ( |
| 47 | + <div className="space-y-3"> |
| 48 | + <p> |
| 49 | + With Request Network, funds go <strong>directly from payer to recipient</strong> on the blockchain. |
| 50 | + </p> |
| 51 | + {' '} |
| 52 | + <p> |
| 53 | + Traditional payment processors hold your funds for <strong>2-7 days</strong> before releasing them. This creates: |
| 54 | + </p> |
| 55 | + <ul className="space-y-2 ml-4"> |
| 56 | + <li className="flex items-start gap-2"> |
| 57 | + <span className="text-red-600 dark:text-red-400 mt-1">❌</span> |
| 58 | + <span>Counterparty risk (they could go bankrupt)</span> |
| 59 | + </li> |
| 60 | + <li className="flex items-start gap-2"> |
| 61 | + <span className="text-red-600 dark:text-red-400 mt-1">❌</span> |
| 62 | + <span>Delayed access to your money</span> |
| 63 | + </li> |
| 64 | + <li className="flex items-start gap-2"> |
| 65 | + <span className="text-red-600 dark:text-red-400 mt-1">❌</span> |
| 66 | + <span>Potential freezing or seizure of funds</span> |
| 67 | + </li> |
| 68 | + </ul> |
| 69 | + <div className="bg-green-50 dark:bg-green-900/20 rounded-lg p-4 border border-green-200 dark:border-green-800"> |
| 70 | + <p className="font-semibold text-green-900 dark:text-green-100 mb-3"> |
| 71 | + ✅ Request Network eliminates these risks entirely |
| 72 | + </p> |
| 73 | + <p className="text-sm text-green-700 dark:text-green-300 mt-2"> |
| 74 | + You have full control and immediate access to your funds at all times. |
| 75 | + </p> |
| 76 | + </div> |
| 77 | + </div> |
| 78 | + ), |
| 79 | + }, |
| 80 | + { |
| 81 | + question: "How does reconciliation compare?", |
| 82 | + answer: ( |
| 83 | + <div className="space-y-3"> |
| 84 | + <p> |
| 85 | + Both Request Network and traditional processors offer payment reconciliation capabilities. |
| 86 | + </p> |
| 87 | + <div className="grid md:grid-cols-2 gap-4"> |
| 88 | + <div className="bg-green-50 dark:bg-green-900/20 rounded-lg p-4 border border-green-200 dark:border-green-800"> |
| 89 | + <p className="font-semibold text-green-900 dark:text-green-100 mb-3"> |
| 90 | + Request Network Advantages: |
| 91 | + </p> |
| 92 | + <ul className="space-y-2 text-sm"> |
| 93 | + <li className="flex items-start gap-2"> |
| 94 | + <span className="text-green-600 dark:text-green-400 mt-0.5">✅</span> |
| 95 | + <span className="text-green-900 dark:text-green-100">Cryptographically guaranteed accuracy</span> |
| 96 | + </li> |
| 97 | + <li className="flex items-start gap-2"> |
| 98 | + <span className="text-green-600 dark:text-green-400 mt-0.5">✅</span> |
| 99 | + <span className="text-green-900 dark:text-green-100">Permanent on-chain records (can't be deleted)</span> |
| 100 | + </li> |
| 101 | + <li className="flex items-start gap-2"> |
| 102 | + <span className="text-green-600 dark:text-green-400 mt-0.5">✅</span> |
| 103 | + <span className="text-green-900 dark:text-green-100">Real-time status updates via webhooks</span> |
| 104 | + </li> |
| 105 | + <li className="flex items-start gap-2"> |
| 106 | + <span className="text-green-600 dark:text-green-400 mt-0.5">✅</span> |
| 107 | + <span className="text-green-900 dark:text-green-100">No data retention limits</span> |
| 108 | + </li> |
| 109 | + </ul> |
| 110 | + </div> |
| 111 | + <div |
| 112 | + style={{ |
| 113 | + background: 'linear-gradient(to bottom, rgba(1, 176, 137, 0.05), rgba(1, 176, 137, 0.08))', |
| 114 | + borderColor: 'rgba(1, 176, 137, 0.2)' |
| 115 | + }} |
| 116 | + className="rounded-lg p-4 border dark:bg-gradient-to-b dark:from-[#002419] dark:to-[#003326] dark:border-[rgba(1,176,137,0.3)]" |
| 117 | + > |
| 118 | + <p className="font-semibold text-gray-900 dark:text-gray-100 mb-3"> |
| 119 | + Traditional Processors: |
| 120 | + </p> |
| 121 | + <ul className="space-y-2 text-sm"> |
| 122 | + <li className="flex items-start gap-2"> |
| 123 | + <span className="text-orange-600 dark:text-orange-400 mt-0.5">⚠️</span> |
| 124 | + <span className="text-gray-700 dark:text-gray-300">Data stored in company databases</span> |
| 125 | + </li> |
| 126 | + <li className="flex items-start gap-2"> |
| 127 | + <span className="text-orange-600 dark:text-orange-400 mt-0.5">⚠️</span> |
| 128 | + <span className="text-gray-700 dark:text-gray-300">Limited data retention (typically 7 years)</span> |
| 129 | + </li> |
| 130 | + <li className="flex items-start gap-2"> |
| 131 | + <span className="text-orange-600 dark:text-orange-400 mt-0.5">⚠️</span> |
| 132 | + <span className="text-gray-700 dark:text-gray-300">Depends on company staying in business</span> |
| 133 | + </li> |
| 134 | + <li className="flex items-start gap-2"> |
| 135 | + <span className="text-orange-600 dark:text-orange-400 mt-0.5">⚠️</span> |
| 136 | + <span className="text-gray-700 dark:text-gray-300">Subject to data breaches and loss</span> |
| 137 | + </li> |
| 138 | + </ul> |
| 139 | + </div> |
| 140 | + </div> |
| 141 | + </div> |
| 142 | + ), |
| 143 | + }, |
| 144 | + { |
| 145 | + question: "Which is better for crypto businesses?", |
| 146 | + answer: ( |
| 147 | + <div className="space-y-3"> |
| 148 | + <p> |
| 149 | + Request Network is <strong>purpose-built for crypto</strong> from the ground up: |
| 150 | + </p> |
| 151 | + <div className="bg-primary-50 dark:bg-primary-900/20 rounded-lg p-4 border border-primary-200 dark:border-primary-800"> |
| 152 | + <ul className="space-y-2"> |
| 153 | + <li className="flex items-start gap-2"> |
| 154 | + <span className="text-primary-600 dark:text-primary-400 mt-0.5">✅</span> |
| 155 | + <span> |
| 156 | + <strong>553+ currencies</strong> across 10 EVM chains (Ethereum, Polygon, BSC, etc.) |
| 157 | + </span> |
| 158 | + </li> |
| 159 | + <li className="flex items-start gap-2"> |
| 160 | + <span className="text-primary-600 dark:text-primary-400 mt-0.5">✅</span> |
| 161 | + <span> |
| 162 | + <strong>No forced fiat conversion</strong> - stay in crypto end-to-end |
| 163 | + </span> |
| 164 | + </li> |
| 165 | + <li className="flex items-start gap-2"> |
| 166 | + <span className="text-primary-600 dark:text-primary-400 mt-0.5">✅</span> |
| 167 | + <span> |
| 168 | + <strong>Native Web3 wallet integration</strong> - connect with MetaMask, WalletConnect, etc. |
| 169 | + </span> |
| 170 | + </li> |
| 171 | + <li className="flex items-start gap-2"> |
| 172 | + <span className="text-primary-600 dark:text-primary-400 mt-0.5">✅</span> |
| 173 | + <span> |
| 174 | + <strong>Crosschain payments</strong> - pay in one token, receive in another |
| 175 | + </span> |
| 176 | + </li> |
| 177 | + </ul> |
| 178 | + </div> |
| 179 | + <p className="text-sm text-gray-600 dark:text-gray-400 mt-3"> |
| 180 | + Traditional processors treat crypto as an afterthought: |
| 181 | + </p> |
| 182 | + <ul className="space-y-2 ml-4 text-sm"> |
| 183 | + <li className="flex items-start gap-2"> |
| 184 | + <span className="text-orange-600 dark:text-orange-400 mt-0.5">⚠️</span> |
| 185 | + <span className="text-gray-700 dark:text-gray-300"> |
| 186 | + Limited token support (usually just BTC, ETH, USDC) |
| 187 | + </span> |
| 188 | + </li> |
| 189 | + <li className="flex items-start gap-2"> |
| 190 | + <span className="text-orange-600 dark:text-orange-400 mt-0.5">⚠️</span> |
| 191 | + <span className="text-gray-700 dark:text-gray-300"> |
| 192 | + Requires crypto-to-fiat conversion with variable fees |
| 193 | + </span> |
| 194 | + </li> |
| 195 | + <li className="flex items-start gap-2"> |
| 196 | + <span className="text-orange-600 dark:text-orange-400 mt-0.5">⚠️</span> |
| 197 | + <span className="text-gray-700 dark:text-gray-300"> |
| 198 | + Fiat-first architecture with crypto bolted on |
| 199 | + </span> |
| 200 | + </li> |
| 201 | + </ul> |
| 202 | + </div> |
| 203 | + ), |
| 204 | + }, |
| 205 | + { |
| 206 | + question: "🛡️ What about chargebacks?", |
| 207 | + answer: ( |
| 208 | + <div className="space-y-3"> |
| 209 | + <p> |
| 210 | + With Request Network, <strong>crypto payments are typically final</strong>—there are no chargebacks by default. |
| 211 | + </p> |
| 212 | + <div className="bg-green-50 dark:bg-green-900/20 rounded-lg p-4 border border-green-200 dark:border-green-800"> |
| 213 | + <p className="font-semibold text-green-900 dark:text-green-100 mb-2"> |
| 214 | + ✅ Benefits of Finality: |
| 215 | + </p> |
| 216 | + <ul className="space-y-2 text-sm text-green-900 dark:text-green-100"> |
| 217 | + <li className="flex items-start gap-2"> |
| 218 | + <span>•</span> |
| 219 | + <span>No surprise reversals 60-90 days after payment</span> |
| 220 | + </li> |
| 221 | + <li className="flex items-start gap-2"> |
| 222 | + <span>•</span> |
| 223 | + <span>Perfect for digital goods and services</span> |
| 224 | + </li> |
| 225 | + <li className="flex items-start gap-2"> |
| 226 | + <span>•</span> |
| 227 | + <span>Ideal for international payments where chargeback fraud is common</span> |
| 228 | + </li> |
| 229 | + <li className="flex items-start gap-2"> |
| 230 | + <span>•</span> |
| 231 | + <span>No chargeback fees ($15-25 per dispute)</span> |
| 232 | + </li> |
| 233 | + </ul> |
| 234 | + </div> |
| 235 | + <p className="text-sm text-gray-600 dark:text-gray-400"> |
| 236 | + Traditional processors face significant chargeback risk, especially for digital goods. Merchants can lose both the product and the payment, plus pay dispute fees. |
| 237 | + </p> |
| 238 | + <div className="bg-blue-50 dark:bg-blue-900/20 rounded-lg p-4 border border-blue-200 dark:border-blue-800"> |
| 239 | + <p className="text-sm text-blue-900 dark:text-blue-100"> |
| 240 | + <strong>Note:</strong> Request Network supports escrow-based flows for use cases requiring buyer protection. Funds are held in smart contracts until conditions are met, enabling refunds when needed. |
| 241 | + </p> |
| 242 | + </div> |
| 243 | + </div> |
| 244 | + ), |
| 245 | + }, |
| 246 | + ]; |
| 247 | + |
| 248 | + const ChevronDownIcon = ({ className = "h-4 w-4" }) => ( |
| 249 | + <svg className={className} viewBox="0 0 24 24" fill="none" stroke="currentColor" strokeWidth="1.5" strokeLinecap="round" strokeLinejoin="round"> |
| 250 | + <polyline points="6 9 12 15 18 9"></polyline> |
| 251 | + </svg> |
| 252 | + ); |
| 253 | + |
| 254 | + return ( |
| 255 | + <> |
| 256 | + <div className="w-full max-w-5xl mx-auto p-4 md:p-8"> |
| 257 | + <div className="space-y-3"> |
| 258 | + {faqs.map((faq, index) => ( |
| 259 | + <div |
| 260 | + key={index} |
| 261 | + style={{ |
| 262 | + background: openIndex === index |
| 263 | + ? 'linear-gradient(to bottom, rgba(1, 176, 137, 0.04), rgba(1, 176, 137, 0.06))' |
| 264 | + : 'rgba(1, 176, 137, 0.02)', |
| 265 | + borderColor: openIndex === index ? 'rgba(1, 176, 137, 0.3)' : 'rgba(1, 176, 137, 0.15)' |
| 266 | + }} |
| 267 | + className="rounded-lg border overflow-hidden transition-all duration-200 hover:border-[rgba(1,176,137,0.4)] dark:bg-gradient-to-b dark:from-[#002419] dark:to-[#003326] dark:border-[rgba(1,176,137,0.3)]" |
| 268 | + > |
| 269 | + <button |
| 270 | + onClick={() => setOpenIndex(openIndex === index ? -1 : index)} |
| 271 | + className="w-full px-5 py-4 flex items-center justify-between text-left transition-colors duration-200" |
| 272 | + > |
| 273 | + <span className="text-base md:text-lg font-semibold text-gray-900 dark:text-gray-100 pr-4"> |
| 274 | + {faq.question} |
| 275 | + </span> |
| 276 | + <ChevronDownIcon |
| 277 | + className={`h-4 w-4 flex-shrink-0 text-gray-500 dark:text-gray-400 transition-transform duration-200 ${ |
| 278 | + openIndex === index ? 'rotate-180' : '' |
| 279 | + }`} |
| 280 | + /> |
| 281 | + </button> |
| 282 | + <div |
| 283 | + className={`overflow-hidden transition-all duration-300 ${ |
| 284 | + openIndex === index ? 'max-h-[2000px] opacity-100' : 'max-h-0 opacity-0' |
| 285 | + }`} |
| 286 | + > |
| 287 | + <div className="px-5 pb-4 text-gray-700 dark:text-gray-300"> |
| 288 | + {faq.answer} |
| 289 | + </div> |
| 290 | + </div> |
| 291 | + </div> |
| 292 | + ))} |
| 293 | + </div> |
| 294 | + </div> |
| 295 | + </> |
| 296 | + ); |
| 297 | +}; |
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