Moneta vs Stripe
Compare payment processing fees and features. See how much your business can save by switching from Stripe to Moneta's zero-fee stablecoin payments.
Savings Calculator
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Detailed Fee Comparison
| Fee Type | Moneta | Stripe |
|---|---|---|
| Transaction Fee (%) | 0% | 2.9% |
| Fixed Fee per Transaction | ~$0.001 | $0.30 |
| Currency Conversion / FX Markup | 0% | 1% |
| Chargeback Fee | N/A | $15-25 |
| Settlement Time | Instant | 2-7 days |
| Withdrawal Fee | $0 | Varies |
Feature Comparison
Real-World Savings Scenarios
Indie Developer
$3,000/month
A solo developer selling digital products. Stripe's per-transaction fees eat into margins on lower-priced items.
SaaS Startup
$25,000/month
A growing SaaS company with monthly subscriptions. Stripe's recurring billing fees add up across hundreds of customers.
Online Marketplace
$150,000/month
A marketplace processing payments between buyers and sellers. Stripe Connect fees compound on both sides of transactions.
Enterprise Software
$500,000/month
An enterprise B2B software company with large contract values. Even small percentage fees become substantial at scale.
Pros and Cons
Moneta
Pros
- Zero transaction fees vs Stripe's 2.9% + $0.30
- Instant settlement instead of waiting 2-7 days
- No chargeback risk or fraud disputes
- Self-custody—you control your funds
- No international payment surcharges
- Simple, predictable pricing
- No monthly fees or hidden costs
- Works globally without restrictions
Cons
- No credit/debit card acceptance
- Less mature developer ecosystem
- Customers need stablecoins to pay
- Fewer built-in features (invoicing, billing portal)
- No integrated fraud detection
- Requires crypto-to-fiat conversion for traditional banking
Stripe
Pros
- Industry-leading developer experience
- Comprehensive documentation and SDKs
- Advanced subscription billing features
- Stripe Radar fraud protection
- Accepts all major credit/debit cards
- Stripe Connect for marketplaces
- Built-in invoicing and billing portal
- Extensive third-party integrations
Cons
- 2.9% + $0.30 per transaction adds up quickly
- Additional 1.5% for international cards
- 1% currency conversion fee
- 2-7 day settlement time
- $15 chargeback fee per dispute
- Complex pricing for advanced features
- Account holds possible for high-risk industries
Which Should You Choose?
Choose Moneta if you:
- Want to eliminate payment processing fees
- Process high volumes where 2.9% becomes significant
- Need instant access to funds
- Serve international customers without FX fees
- Sell digital goods with low chargeback risk
- Have tech-savvy customers comfortable with crypto
- Want simple, transparent pricing
Choose Stripe if you:
- Need to accept credit/debit cards
- Require advanced subscription billing
- Want best-in-class developer tools
- Need fraud protection for card payments
- Building a marketplace with Stripe Connect
- Prefer established payment infrastructure
Frequently Asked Questions
How does Moneta compare to Stripe for developers?
Stripe is renowned for its developer experience, with excellent documentation and SDKs. Moneta offers a simpler integration since stablecoin payments are straightforward—you just need a wallet address. While Stripe has more features, Moneta's simplicity means faster integration for basic payment acceptance.
Can I use Moneta for subscription billing like Stripe?
Yes, Moneta supports recurring payments. While Stripe Billing offers more advanced features like proration and usage-based billing, Moneta handles standard subscription billing with zero fees. For complex billing scenarios, some businesses use both—Stripe for card payments and Moneta for crypto-savvy customers.
What about Stripe's fraud protection (Radar)?
Stripe Radar uses machine learning to detect fraud, which is valuable for card payments. With Moneta, fraud protection works differently—stablecoin transactions are irreversible, so there's no chargeback fraud. Customers must have funds before paying, eliminating the risk of bounced payments or stolen cards.
How much can I save switching from Stripe to Moneta?
For a business processing $50,000/month with 500 transactions, Stripe charges approximately $1,600/month (2.9% + $0.30 per transaction). With Moneta, you'd pay essentially nothing. That's nearly $20,000 in annual savings that goes straight to your bottom line.
Does Moneta support Stripe Connect-like marketplace payments?
Moneta can handle marketplace payments through direct wallet-to-wallet transfers. While it lacks Stripe Connect's managed accounts feature, the zero-fee structure means both marketplace operators and sellers keep more of their earnings.
Can I migrate from Stripe to Moneta gradually?
Absolutely. Many businesses add Moneta as an additional payment option alongside Stripe. This lets crypto-savvy customers save on fees while maintaining card payment support. Over time, you can incentivize Moneta payments with discounts funded by your fee savings.
About Stripe
Stripe is a leading payment infrastructure company founded in 2010 by Irish entrepreneurs Patrick and John Collison. Known for its developer-friendly APIs and extensive documentation, Stripe powers payments for millions of businesses worldwide, from startups to Fortune 500 companies. While Stripe offers excellent developer tools and a wide range of features, its fees can significantly impact profit margins, especially for high-volume businesses.
Ready to switch from Stripe?
Join thousands of businesses saving $5,039/year by switching to zero-fee stablecoin payments.
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