Who can pay
Cards need a bank, an age limit and often a home country your provider accepts. Skins only need a Steam account with tradable items, which many young players and players abroad have even when their card is declined.
When a payment is final
A card payment can be disputed weeks or months later. A skins payment has no card behind it: once Steam's trade window closes, the trade is final, and SkinsFlow credits you then, unless you choose to release early.
Disputes and chargebacks
With cards, a dispute pulls the money back and often adds a fee. With a settled skins payment there is no card network that can pull the money back. The only reversal window is Steam's hold, and SkinsFlow waits it out for you.
What it costs
SkinsFlow charges 2.5% of each credited skins payment, with no setup fee, no monthly fee and no dispute fees. Card costs vary by provider, country and risk level, and businesses seen as higher risk often pay more.
Use both
Skins do not have to replace cards. Add Pay with skins next to your existing methods and let every customer pay the way they can.