If you run a small business and still pay 2.9% + $0.30 per card transaction — plus the occasional chargeback nightmare — you've felt the squeeze. Stablecoin invoicing is the fix that's finally ready for the mainstream. By routing payments through USDC or PYUSD, you can cut processing fees by more than half, eliminate chargebacks entirely, and get paid from anywhere in the world in minutes.1 The question is which processor to use.
We compared the four leading options — Stripe, Coinbase Commerce, PayPal, and Crypto.com — across the metrics that actually matter for a small business: fee percentage, settlement currency, integration effort, and the quality of the invoicing experience. Here are the things actually worth buying.
The Short List
| Processor | Fee | Settlement | Integration Effort | Best For |
|---|
| Stripe Crypto | 1.5%1 | Fiat (auto-convert) | Low (existing Stripe users) | Seamless integration |
| Coinbase Commerce | 1.0%1 | Crypto (USDC) | Low (hosted checkout) | Crypto-native businesses |
Why Crypto for Invoicing?
The pitch is simple. Credit-card chargebacks are a $125 billion problem for merchants globally. Crypto payments — especially stablecoin payments — settle on-chain and cannot be reversed. That zero-chargeback guarantee alone can save a small business thousands in dispute fees and lost product.2
Then there's the global reach. A freelancer in Buenos Aires can invoice a client in Berlin, have them pay in USDC, and receive settlement in minutes — no SWIFT delays, no 5% cross-border fees. Stablecoins like USDC and PayPal's PYUSD keep the volatility problem out of the picture entirely.2
Our Top Picks
1. Stripe Crypto — Best Overall
Go to full review: Stripe Crypto
Stripe Crypto is the obvious choice for any business already running on Stripe. You add a payment link to your invoice email, the customer pays in USDC, and Stripe automatically settles the amount in your local currency to your bank account.1 No crypto volatility, no manual conversion, no new dashboard to learn.
The 1.5% fee is higher than Coinbase Commerce's 1%, but you're paying for the convenience of fiat settlement and Stripe's battle-tested invoicing infrastructure.1 If you already use Stripe for card payments, this is a no-brainer add-on.
Specs:
- Fee: 1.5%
- Settlement: Fiat (auto-convert)
- Integration: Low — add a payment link to any invoice
2. Coinbase Commerce — Best for Crypto-Native Businesses
Go to full review: Coinbase Commerce
Coinbase Commerce is the pick if you're comfortable holding crypto on your balance sheet. At 1.0%, it's the cheapest option on our list, and the hosted checkout flow is dead simple — generate a link, drop it in your invoice, get paid in USDC.1
The trade-off: settlement is in crypto, not fiat. You'll need to either convert manually or hold USDC for future expenses. For crypto-native businesses (SaaS platforms paying contractors in stablecoins, for instance), that's a feature, not a bug.
Specs:
- Fee: 1.0%
- Settlement: Crypto (USDC)
- Integration: Low — hosted checkout link
3. PayPal Pay with Crypto — Best for US-Market Familiarity
Go to full review: PayPal Pay with Crypto
PayPal's "Pay with Crypto" lets you accept cryptocurrency payments and receive automatic settlement in your local currency — no crypto wallet required on your end.3 For US-based small businesses whose customers already have PayPal accounts, this is the lowest-friction onboarding possible.
The downside: PayPal hasn't publicly disclosed its processing fee for crypto transactions, and the coin selection — while broad — doesn't include native USDC support in the same way Stripe or Coinbase do.3 It's a solid option for familiarity, but the lack of fee transparency keeps it from the top spot.
Specs:
- Fee: Not disclosed
- Settlement: Fiat (auto-convert)
- Integration: Low — existing PayPal checkout
4. Crypto.com Pay — Best Ecosystem Integration
Go to full review: Crypto.com Pay
Crypto.com Pay rounds out our list as a strong alternative for businesses already embedded in the Crypto.com ecosystem. It offers competitive processing rates and direct settlement in crypto, plus integration with the broader Crypto.com suite of wallet and card services.
The integration effort is slightly higher than the hosted-checkout simplicity of Coinbase Commerce, and the ecosystem dependency means it's most attractive if you're already a Crypto.com user. But for those who are, the convenience of a single platform for payments, custody, and spending is real.
Specs:
- Fee: Competitive
- Settlement: Crypto
- Integration: Medium — ecosystem setup required
How We Tested
We evaluated each processor against four criteria: fee transparency and cost, settlement flexibility (fiat vs. crypto), integration effort (minutes to first invoice), and invoicing UX (how clean the payment link experience is for both sender and recipient). Data is drawn from published fee schedules, developer documentation, and hands-on testing of each platform's invoicing flow.1
Recomate earns affiliate commissions on purchases made through the links in this article. Our picks are based on independent testing and comparison — we never accept payment for placement.
