BitPay vs Stripe: tool pricing compared
Updated 2026-11-10 · listed A to Z, not ranked
BitPay processes crypto payments for merchants and charges a percentage plus a fixed fee per transaction, tiered by cumulative monthly volume.
Stripe charges per successful transaction with no setup or monthly fee on its standard pricing. This page focuses on what matters for AI and crypto-adjacent businesses: card fees, the stablecoin (USDC) payment method, and how they compare on Stripe’s own price list.
Listed A to Z, from bitpay.com and stripe.com. Every figure below is quoted from those pages.
- Main price table
- Under $500,000, $500,000 – $999,999, $1,000,000 and up
- Free option
- None in the published plan table
- Published prices
- 2% + 25¢ under $500k a month, 1.5% + 25¢ to $1M and 1% + 25¢ above, with higher fees for high-risk industries.
- Main price table
- Domestic cards, Card add-ons, Stablecoins, Stablecoins via Link, ACH Direct Debit, Klarna (BNPL), Shared Payment Tokens (agents)
- Free option
- None in the published plan table
- Published prices
- Domestic cards 2.9% + 30¢; stablecoin payments 1.5%; ACH 0.8% ($5 cap); Link stablecoins 0.8% promo to Jan 1, 2027. USDC networks from Stripe docs.
How we checked: Prices quoted from each official pricing page: BitPay checked Nov 10, 2026, Stripe checked Nov 10, 2026. Taxes, usage overages and promotions can change what you pay; confirm with each provider before you buy.
How they compare
- Main price table. BitPay lists 3 entries (Under $500,000, $500,000 – $999,999, $1,000,000 and up); Stripe lists 7 (Domestic cards, Card add-ons, Stablecoins, Stablecoins via Link, ACH Direct Debit, Klarna (BNPL), Shared Payment Tokens (agents)).
- Free option. BitPay: none in the published plan table. Stripe: none in the published plan table.
- How prices are quoted. BitPay: “Fees by monthly volume”. Stripe: “Standard US pricing (selected lines)”.
BitPay plans and prices
| Monthly volume | Fee per transaction |
|---|---|
| Under $500,000 | 2% + 25¢ |
| $500,000 – $999,999 | 1.5% + 25¢ |
| $1,000,000 and up | 1% + 25¢ |
From bitpay.com, checked Nov 10, 2026. Full breakdown: BitPay pricing.
Stripe plans and prices
| Payment method | Fee shown on stripe.com/pricing |
|---|---|
| Domestic cards | 2.9% + 30¢ per successful transaction |
| Card add-ons | +0.5% manually entered; +1.5% international cards; +1% if currency conversion is required |
| Stablecoins | 1.5% of the transaction amount in USD (includes conversion to fiat, wallet and AML screening, fraud prevention, gas sponsorship) |
| Stablecoins via Link | 0.8% per successful transaction, promotional rate through January 1, 2027; +0.2% thereafter |
| ACH Direct Debit | 0.8%, $5.00 cap |
| Klarna (BNPL) | 5.99% + 30¢ per successful transaction |
| Shared Payment Tokens (agents) | $0.15 per SPT issued |
Selected rows only; Stripe lists many more methods and products. Custom pricing is available for large volume.
| Property | Value |
|---|---|
| Accepted tokens | USDC on Tempo, Ethereum, Solana, Polygon and Base; USDP (Ethereum, Solana; US-only); USDG (Ethereum; US-only) |
| Presentment currency | USD (others in private preview) |
| Settlement | Settles in your Stripe balance in your local currency |
| Customer limit | 10,000 USD per transaction |
| Refunds / disputes | Refunds supported (returned as stablecoins); no disputes |
| Recurring | Yes (Stripe Billing invoices and subscriptions) |
From docs.stripe.com/payments/stablecoin-payments, checked Nov 6, 2026.
From stripe.com, checked Nov 10, 2026. Full breakdown: Stripe pricing.
FAQ
How much does BitPay cost?
2% + 25¢ under $500k a month, 1.5% + 25¢ to $1M and 1% + 25¢ above, with higher fees for high-risk industries. (checked Nov 10, 2026).
How much does Stripe cost?
Domestic cards 2.9% + 30¢; stablecoin payments 1.5%; ACH 0.8% ($5 cap); Link stablecoins 0.8% promo to Jan 1, 2027. USDC networks from Stripe docs. (checked Nov 10, 2026).
Do BitPay and Stripe have a free option?
BitPay: none in the published plan table. Stripe: none in the published plan table.
Which is better, BitPay or Stripe?
We do not pick a winner. The two price and package their products differently; the tables above quote each official pricing page so you can match a plan to your own usage.
Where do these prices come from?
Each vendor's own pricing page: bitpay.com (checked Nov 10, 2026) and stripe.com (checked Nov 10, 2026). Prices change; confirm on the vendor's page before you buy.
Sources (official pages, read 2026-11-10)
- bitpay.com
- bitpay.com/pricing
- stripe.com
- stripe.com/pricing
- docs.stripe.com/payments/stablecoin-payments
Spot something out of date? Email hello@youraitools.co and we’ll fix it.