The Stripe stablecoin alternative that keeps your crypto as crypto
Stripe charges 1.5% and turns stablecoin payments into a USD balance on its payout schedule. 402pay pays your own wallet, with zero percentage fees.
- 0%
- of every crypto payment, against 1.5% with Stripe stablecoin payments
- Your wallet
- not Stripe stablecoin payments's account
- Cards + crypto
- in one checkout, into one wallet
Stripe stablecoin payments at a glance
Stripe lets businesses already on Stripe accept stablecoin payments in USDC, for 1.5% a payment, up to $10,000 each.
It's built for Stripe's world rather than crypto's. Payments become a USD balance in your Stripe account and reach you on your payout schedule. If you want to keep what customers paid in crypto, or accept USDT, Tron or Bitcoin, it isn't the tool.
Why businesses switch from Stripe stablecoin payments
The reasons businesses give for leaving Stripe stablecoin payments come back to the same few things: who holds the money, what it costs as sales grow, and which customers can pay at all.
1.5% of every payment
On a $1,000 stablecoin payment Stripe takes $15; 402pay takes no percentage at all.
Your crypto becomes Stripe's dollars
Payments are converted into a USD balance Stripe holds and pays out on its schedule.
USDC only
No USDT, no Tron, no Bitcoin, so customers holding them can't pay.
Capped at $10,000
Stripe limits each stablecoin payment to $10,000. 402pay links take up to $1,000,000.00.
402pay vs Stripe stablecoin payments, side by side
- Percentage of every crypto payment
402pay
0%Stripe stablecoin payments
1.5%- Payments go straight to your own wallet
402pay
AlwaysStripe stablecoin payments
No- Money is yours the moment it confirms
402pay
InstantlyStripe stablecoin payments
On Stripe's payout schedule- Cards, Apple Pay and Google Pay in the same checkout
402pay
3%, in betaStripe stablecoin payments
Separately, as card payments- USDT on Tron
402pay
YesStripe stablecoin payments
No- Nothing to host or maintain
402pay
Fully hostedStripe stablecoin payments
Yes- Open beyond the US
402pay
YesStripe stablecoin payments
US businesses- Available today
402pay
YesStripe stablecoin payments
Yes- Networks
402pay
Solana, Polygon, Ethereum, Tron, Bitcoin
Stripe stablecoin payments
USDC on Ethereum, Solana, Polygon, Base and Tempo
What you keep with 402pay
Percentage fees grow with every order. Pick your average payment and your volume to see what Stripe stablecoin payments would take out at its list price.
Stripe stablecoin payments would take out of your payments every month
$300
That's $3,600 a year. 402pay takes out nothing.
- Stripe stablecoin payments
- $300.00
- 402pay
- $0.00
The bottom line
Stripe's stablecoin payments are really card payments by another route: your customer's crypto becomes Stripe's dollars, on Stripe's schedule, for 1.5%. If you want to accept crypto and keep crypto, 402pay pays your own wallet in the coin your customer sent, on more networks and with no percentage.
With 402pay
- Who holds the money
- You, in a wallet only you hold the keys to
- When it's yours
- The moment the network confirms it
- What it costs
- 0% of a crypto payment
With Stripe stablecoin payments
- Who holds the money
- Payments become a USD balance in your Stripe account
- When it's yours
- On your Stripe payout schedule
- What it costs
- 1.5%
Here's what you can do in 30 minutes
Time is money, and with 402pay, it's yours from the very first payment.
- 5 mins
- Create your account
- Set up a self-custody wallet, or connect yours
- Pick the coins and networks checkout offers
- 15 mins
- Swap your Stripe stablecoin payments links for 402pay payment links
- Turn on cards, Apple Pay and Google Pay, in beta
- Let customers pay the fees, if you want
- 29 mins
- Create payments from your server with one API call
- Get a signed webhook for every payment
- Hand the setup prompt to your AI coding assistant
- No. Every payment goes straight to a wallet only you hold the keys to. 402pay never has your recovery phrase, so we can't freeze, hold or move your funds.
- 0% on crypto payments at an introductory rate and 3% on cards, and nothing is taken out of a payment. The pricing page lists every fee.
- Most businesses are accepting payments the same day: create an account, set up your wallet, and share a payment link or swap in one API call.
- Yes. Nothing ties you to one processor: send new orders through 402pay while anything open finishes on Stripe stablecoin payments, then switch over completely when you're ready.
- No. They pay on the hosted checkout by card, Apple Pay, Google Pay or from any crypto wallet, without signing up for anything.
- Yes. Connect it by its public keys and every payment goes there, for $15.00 a month.
More comparisons
Stripe stablecoin payments details from Stripe pricing, Stripe stablecoin payments. Names and logos belong to their owners and are shown to identify them.