Moneta vs PayPal
Compare payment processing fees and features. See how much your business can save by switching from PayPal to Moneta's zero-fee stablecoin payments.
Savings Calculator
Calculate how much you'll save by switching to Moneta
Detailed Fee Comparison
| Fee Type | Moneta | PayPal |
|---|---|---|
| Transaction Fee (%) | 0% | 3.49% |
| Fixed Fee per Transaction | ~$0.001 | $0.49 |
| Currency Conversion / FX Markup | 0% | 4% |
| Chargeback Fee | N/A | $15-25 |
| Settlement Time | Instant | 2-7 days |
| Withdrawal Fee | $0 | Varies |
Feature Comparison
Real-World Savings Scenarios
Freelance Designer
$5,000/month
A freelance designer receiving payments from international clients. PayPal's fees eat into margins significantly on smaller transactions.
E-commerce Store
$50,000/month
An online store processing hundreds of orders monthly. The 3.49% + $0.49 per transaction adds up quickly at scale.
SaaS Business
$100,000/month
A subscription software company with recurring payments. PayPal's fees on recurring billing can cost thousands monthly.
Digital Agency
$200,000/month
A marketing agency receiving large project payments. Currency conversion fees on international clients add significant costs.
Pros and Cons
Moneta
Pros
- Zero transaction fees—keep 100% of your revenue
- Instant settlement—no waiting days for funds
- No account freezes or holds on your money
- Self-custody means you control your funds
- No chargeback fraud or disputed transactions
- Lower currency conversion costs
- Works globally without geographic restrictions
- Simple, transparent pricing with no hidden fees
Cons
- Customers need stablecoins to pay
- No built-in buyer protection program
- Less consumer familiarity than PayPal
- Requires converting to fiat for traditional banking
- Transactions are irreversible (no refunds without merchant action)
PayPal
Pros
- Extremely high consumer recognition and trust
- Built-in buyer and seller protection programs
- Easy fiat currency handling and bank transfers
- Supports credit/debit cards directly
- Established dispute resolution process
- One-click checkout for returning customers
Cons
- High transaction fees (3.49% + $0.49)
- Additional 3-4% for currency conversion
- Funds can be frozen or held for 21+ days
- Complex fee structure with hidden costs
- Chargeback fees ($20) even when you win disputes
- Account termination risk with little recourse
- Slow settlement (1-3 business days)
Which Should You Choose?
Choose Moneta if you:
- Want to eliminate payment processing fees entirely
- Process high volumes where fees add up significantly
- Work with international clients and want to avoid FX markups
- Value instant access to your funds
- Have experienced PayPal account freezes or holds
- Sell digital goods or services with low chargeback risk
- Your customers are comfortable with cryptocurrency
Choose PayPal if you:
- Need maximum consumer trust and familiarity
- Require buyer protection for physical goods
- Want built-in dispute resolution
- Customers prefer traditional payment methods
- Need to accept credit/debit cards directly
- Value the PayPal checkout experience
Frequently Asked Questions
How much can I save by switching from PayPal to Moneta?
The savings depend on your transaction volume. For a business processing $10,000/month with 100 transactions, PayPal would charge approximately $398 in fees (3.49% + $0.49 per transaction). With Moneta, you'd pay virtually nothing—just minimal blockchain gas fees of around $0.10 total. That's a savings of over $4,700 per year.
Is Moneta as secure as PayPal?
Moneta offers a different security model. While PayPal holds your funds and can freeze accounts, Moneta uses self-custody where you control your own wallet. Stablecoin transactions are secured by blockchain technology and are irreversible, eliminating chargeback fraud. However, this also means there's no buyer protection program like PayPal offers.
Can my customers pay with Moneta if they don't have crypto?
Customers need stablecoins to pay via Moneta. However, purchasing stablecoins is increasingly easy through exchanges like Coinbase, Binance, or even directly through many wallet apps. Many businesses offer both Moneta and traditional payment options to accommodate all customers.
What about PayPal's buyer protection?
PayPal's buyer protection is valuable for consumers but costly for merchants due to chargeback fees and disputes. Moneta transactions are final and irreversible, which eliminates chargeback fraud entirely. For merchants, this means no disputed transactions and no held funds.
How do I convert stablecoins to my local currency?
You can convert stablecoins to fiat currency through cryptocurrency exchanges like Coinbase, Kraken, or Binance. Many exchanges offer direct bank transfers. The conversion process typically takes 1-3 business days and costs 0.5-1.5% in fees—still significantly less than PayPal's currency conversion markup.
Does Moneta work for subscription billing like PayPal?
Yes, Moneta supports recurring payments through smart contracts or payment links. You can set up subscription billing that automatically charges customers' wallets on a schedule. Unlike PayPal, there are no additional fees for recurring billing.
About PayPal
PayPal is one of the world's largest online payment platforms, founded in 1998. It enables individuals and businesses to send and receive money online, offering services including payment processing, peer-to-peer transfers, and business financing. PayPal operates in over 200 markets and supports 25 currencies, making it a popular choice for international transactions. However, its fee structure can be complex and expensive, especially for cross-border payments.
Ready to switch from PayPal?
Join thousands of businesses saving $9,575/year by switching to zero-fee stablecoin payments.
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