Comparison guide by Paymos
Stripe Crypto Payments review, fees, and alternatives
Stripe Stablecoin Payments lets an eligible business accept supported stablecoins from customers worldwide and receive the money in its Stripe balance in its own local currency. On-chain the accepted list is short: USDC on Tempo, Ethereum, Solana, Polygon and Base, plus USDP and USDG for US businesses only. USDT is not on it, and neither is Tron; a customer can also pay from a Crypto.com exchange account in that exchange’s tokens. Availability is general in the US and a private preview for the European Union, Hong Kong, Mexico and Switzerland. Stripe’s US pricing page lists the method at 1.5% of the USD amount, with conversion to fiat, AML screening and gas included; the EU version of that page has no stablecoin row.
Reviewed
Published terms at a glance
| Published acceptance fee | 1.5% of the transaction amount in USD, on Stripe’s US pricing page, with conversion to fiat, AML screening and gas included. Stablecoins do not appear on the EU version of that page, so if your business is in the private preview, confirm your rate in your own account before you model anything on it. |
|---|---|
| Settlement model | A completed stablecoin payment settles in the merchant Stripe balance in the merchant’s local currency, so the stablecoin itself is not what lands. Stripe documents general availability for businesses in the US, a private preview for the European Union, Hong Kong, Mexico and Switzerland, and a $10,000 limit on an individual transaction. |
| Qualification 1 | Stablecoin Payments is generally available to businesses in the US and in private preview for the European Union, Hong Kong, Mexico and Switzerland. |
| Qualification 2 | Eligible businesses can accept from global customers except sanctioned countries. |
| Qualification 3 | Stripe documents a $10,000 limit for an individual stablecoin transaction. |
| Qualification 4 | Refunds return stablecoins to the original wallet. |
| Qualification 5 | Stripe documents that disputes are not supported for these payments. |
When this provider can fit
- Eligible businesses already using Stripe Checkout, Elements, Billing, Payment Links, or Connect.
- Merchants whose customers pay in USDC and who need the money credited as ordinary currency rather than as the stablecoin itself.
- Teams inside a supported country: the US today, and the European Union, Hong Kong, Mexico or Switzerland through the private preview.
What changes the effective cost
A headline processing rate is only one layer. Model the invoice, payer network fee, acceptance or sweep cost, conversion, settlement, withdrawal, and refund as separate entries.
- 01There is nothing to price here. Stripe takes USDC on Tempo, Ethereum, Solana, Polygon and Base, and USDP and USDG from US businesses; USDT on no network, Tron not at all. The 50 USDT Tron invoice used everywhere else in this comparison cannot exist, so the rate question never comes up.
- 02The rate to compare against is a US price: 1.5%, with conversion to fiat, AML screening and gas inside it rather than on top.
- 03Customers can pay from anywhere except sanctioned countries, but the business itself has to sit in a supported country, and outside the US that means getting into a private preview first.
- 04The balance arrives in your local currency rather than in the stablecoin, so the conversion is part of the price whether or not it appears as a line.
- 05Refunds return stablecoins to the original wallet; there is no dispute support.
Paymos
How Paymos differs
Unlike Stripe, which converts the stablecoin and credits the Stripe balance in the merchant’s own local currency, Paymos keeps supported stablecoins on balance and lets the merchant choose a supported payout network. Paymos adds no separate transfer or sweep commission to an accepted payment. The payer still pays the send-network cost, and a disclosed subsidized network fee can apply when the merchant withdraws.
What Paymos does not replace
Paymos does not replace Stripe when an eligible business needs fiat settlement inside Checkout, Billing, Payment Links, or Connect.
What to verify before signing
- Run the same low-value and normal-value invoice through the exact asset and network you plan to use.
- Record the payer debit, merchant credit, settlement credit, and withdrawal credit instead of comparing percentages alone.
- Confirm the contracted rate, high-risk adjustments, minimums, reserves, refund charges, and geographic eligibility in writing.
- Confirm account eligibility in your country, whether the 1.5% US rate applies to your account, supported token and network, the $10,000 transaction limit, the refund flow, and payout timing, which Stripe says varies by network.
Frequently asked questions
What fee does Stripe Crypto Payments publish?+
1.5% of the transaction amount in USD, on Stripe’s US pricing page, with conversion to fiat, AML screening and gas included. Stablecoins do not appear on the EU version of that page, so if your business is in the private preview, confirm your rate in your own account before you model anything on it.
Which Stripe Crypto Payments fee layers should I verify?+
Verify every publicly disclosed processing, network, conversion, settlement, withdrawal, and refund layer so you can reproduce the effective cost.
What should I verify about Stripe Crypto Payments?+
Run the same low-value and normal-value invoice through the exact asset and network you plan to use. Record the payer debit, merchant credit, settlement credit, and withdrawal credit instead of comparing percentages alone. Confirm the contracted rate, high-risk adjustments, minimums, reserves, refund charges, and geographic eligibility in writing. Confirm account eligibility in your country, whether the 1.5% US rate applies to your account, supported token and network, the $10,000 transaction limit, the refund flow, and payout timing, which Stripe says varies by network.
Is Paymos an alternative to Stripe Crypto Payments?+
Unlike Stripe, which converts the stablecoin and credits the Stripe balance in the merchant’s own local currency, Paymos keeps supported stablecoins on balance and lets the merchant choose a supported payout network. Paymos adds no separate transfer or sweep commission to an accepted payment. The payer still pays the send-network cost, and a disclosed subsidized network fee can apply when the merchant withdraws.
Can I rely on the headline rate alone?+
No. Test the exact invoice, network, asset, conversion choice, settlement route, and withdrawal path used by your business.
When were these facts checked?+
The linked first-party sources were checked on September 22, 2026. Confirm your contract and dashboard quote before launch.
Official sources
Provider facts are based on public first-party pages available on the review date. Contracts, dashboard quotes, geography, and fees can change.
Report an error or read the correction methodContinue comparing
Crypto payment gateways
There is no single best crypto payment gateway. The right choice is the provider whose supported asset and network, custody model, settlement route, and full effective cost match your real payment flow. Compare a complete test transaction, not the headline percentage.
BitPay
BitPay is a custodial crypto payment processor built for merchants that want broad crypto acceptance and optional fiat settlement. Its published acceptance price is 2% + $0.25 below $500,000 monthly volume, falling to 1% + $0.25 at $1 million or more; small invoices and settlement choices therefore matter. Tron is absent from its network list, so a USDT invoice on Tron is not something BitPay can raise. The benchmark this comparison prices elsewhere — 50 USDT in Tron, followed to the merchant’s wallet — therefore has no BitPay figure at all; price them on the chains they do carry.
CoinGate
CoinGate is a custodial gateway for accepting crypto and settling in crypto or supported fiat. Its Standard plan publishes a 1% processing fee with no monthly fee, while payouts, manual exchange, refunds in another currency, and SWIFT settlement have separate published conditions. USDT is no longer on the asset list: CoinGate discontinued it on 24 March 2025 and converted the remaining balances to USDC one for one. That closes off the invoice this comparison prices elsewhere: 50 USDT in Tron cannot be raised here on any chain, so the 1% applies to a different asset than the one being priced.
CoinPayments
CoinPayments is a custodial multi-asset gateway and wallet. On its current platform, where new merchants sign up, it charges 1% on tokens, USDT among them, and from 0.5% on coins; the 3% still quoted for its Legacy platform is not what a new account pays. The network fee sits with the buyer: an invoice completes only once the buyer has covered it on top of the amount. CoinPayments left the European Union on 1 July 2026, so a business there cannot open an account at all. Follow one 50 USDT invoice in Tron from the buyer’s transfer to the merchant’s wallet: CoinPayments keeps 0.50 USDT, the buyer pays about 2.50 USDT of Tron network fee on top, 52.50 USDT in all, and the deal costs 6%.
Cryptomus
Cryptomus is a custodial payment gateway, business wallet, and exchange. New users pay 2% per transaction, negotiated pricing can fall to 0.4%, and a merchant project passes moderation. Auto-conversion is advertised as free, while withdrawals remain subject to a mining fee. On a 50 USDT invoice in Tron the 2% is the whole price of the sale — nothing is added for crediting the balance — so the headline survives the trip. What costs money is the payout, charged per payout rather than per sale.
NOWPayments
NOWPayments is a multi-asset crypto gateway. Its published service fee is flat: 1% on a payment that needs no exchange, and 1.5% once the payment is multi-currency, uses a fixed rate, or has the fee charged to the payer. Custom offers or a discount system can take the rate as low as 0.3%. Custodial withdrawals and non-custodial forwarding follow different network-fee paths, so there is no universal double-network-fee rule. Read eligibility before the rate: NOWPayments does not serve the European Union, the United Kingdom, the United States, the United Arab Emirates or Russia. On a 50 USDT invoice in Tron, followed to the merchant’s wallet, the 1% is half a dollar and the Tron transfer off the invoice address costs five times that — about 6% all in.