Payment Processor Comparison · 2026
Stripe charges 2.9% + $0.30 per transaction, freezes accounts without notice, and won't serve dozens of legitimate business categories. StablePay charges from 2%, never freezes funds, and works for any business — because stablecoin payments don't need a bank's permission.
| Feature | Stripe | StablePay |
|---|---|---|
| Transaction fee | 2.9% + $0.30 | From 2.0%, down to 1.0% at scale |
| Chargeback risk | Yes, on every card payment | None — on-chain finality |
| Settlement time | 2-7 days to your bank | Seconds, direct to your wallet |
| Account freeze risk | High — frequent reports of frozen funds | Zero — we never custody your money |
| High-risk industries | Banned (adult, gambling, crypto, more) | No banned categories for legal businesses |
| Geographic coverage | ~46 countries, limited LatAm coverage | Everywhere with internet |
| KYC required for merchant | Yes, extensive | Email + wallet address |
| Currencies / tokens accepted | Fiat (135+ currencies) | USDC, USDT, EURC on 7 chains |
| Setup time | Hours to days (bank verification) | 5 minutes |
| Monthly minimum | None, but underwritten | None, ever |
Enter your monthly payment volume and see the difference.
Stripe fees
$290
StablePay fees
$200
You save per month
$90
≈ $1,080 / year
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Adult, gambling, crypto-adjacent, supplements, firearms, tobacco, "high risk" SaaS. Stripe's underwriting flags entire industries. We don't.
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Venezuela, much of Africa and Asia. Wherever someone has a crypto wallet, they can pay you — no country restrictions.
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Stripe disputes can be filed up to 75 days after a charge. Stablecoin transfers are final the moment they confirm on-chain.
Most people who pay online already have a wallet (Coinbase, MetaMask, Phantom, Trust Wallet). For the rest, our checkout walks them through one-time setup in ~3 minutes. We also support Coinbase Onramp for instant fiat-to-stablecoin if they prefer.
Stripe's "protection" is them deciding whether to side with you or the customer — and they side with the customer ~70% of the time. Stablecoin transfers can't be reversed. You get the money. End of dispute.
You initiate the refund manually from your dashboard. We track it. The customer gets stablecoins back. The flow takes ~30 seconds. We're shipping an AI-assisted refund routing feature soon that picks the cheapest path for cross-chain returns.
Stripe pays 1.5-2.5% in card-network interchange fees to Visa/Mastercard + issuing banks. We don't touch that network. Our only costs are infrastructure (RPC, hosting, support), so we can charge 1-2% and still have margin.
Yes. Accepting stablecoin payments is legal in most jurisdictions. You're responsible for treating the receipt as income for tax purposes, same as any other payment. Some industries have local regulations — check your country's specifics. We don't custody your funds, so the regulatory surface is on you as a merchant, not us.
No credit card. No KYC. Drop in a wallet address and you're live.
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