See how much you could save by switching to Moneta
-$3,980/mo
$47,760/year lost
-$3,200/mo
$38,400/year lost
-$3,350/mo
$40,200/year lost
-$1,000/mo
$12,000/year lost
-$2,300/mo
$27,600/year lost
-$2,950/mo
$35,400/year lost
With Moneta
0% transaction fees
Your annual savings
$33,560
Every transaction through PayPal, Stripe, or wire transfers costs you money, time, and control.
3-4%
per transaction
PayPal charges 3.49% + $0.49 per transaction. Stripe takes 3.4% + $0.30. On $100K monthly volume, that's over $40,000/year gone.
2-7 days
to receive funds
Wait 2-7 days for Stripe payouts. Wire transfers take 3-5 business days. Your money is stuck in limbo while you wait.
$15-100
per dispute
Credit card chargebacks cost $15-100 per dispute plus the transaction amount. Fraudulent chargebacks can devastate your business.
180 days
potential freeze
PayPal and Stripe can freeze your funds for 180 days with no explanation. Thousands of businesses have lost access to their own money.
See exactly how Moneta stacks up against traditional payment processors.
| Feature | M Moneta | PP PayPal | S Stripe | Wire |
|---|---|---|---|---|
| Transaction Fee | 0% | 3.49% + $0.49 | 3.4% + $0.30 | $25-50 flat |
| Cross-border Fee | 0% | +1.5% | +1.5% | +3-5% FX |
| Settlement Time | Instant | 1-3 days | 2-7 days | 3-5 days |
| Chargeback Risk | None | High | High | |
| Currency Support | Worldwide | 25 currencies | 135 currencies | Limited |
| API Access | Free | Included | Included | |
| Self-custody | Yes | |||
| Open Source | Yes (SPL) | — | ||
| Monthly Fee | $0 | $0-30 | $0 | Varies |
| Minimum Payout | None | $1 | $100 | $1,000+ |
Calculate your potential savings based on your business type and volume.
Receiving $5,000/month from international clients
$$2,994/year lost
$249.50/mo
With PayPal
3.49% + $0.49 per transaction + 1.5% cross-border
Save $$2,994/year
$0/mo
With Moneta
Zero transaction fees
Processing $50,000/month in online sales
$$20,400/year lost
$1,700/mo
With Stripe
3.4% + $0.30 per transaction
Save $$20,400/year
$0/mo
With Moneta
Zero transaction fees
Billing $200,000/month globally
$$93,600/year lost
$7,800/mo
With Stripe + Wire
Mixed payment methods + FX fees
Save $$93,600/year
$0/mo
With Moneta
Zero transaction fees
Moving $1M+/month across borders
$$420,000/year lost
$35,000/mo
With Wire Transfers
Wire fees + 3-5% FX markup
Save $$420,000/year
$0/mo
With Moneta
Zero transaction fees
Every feature is available to everyone. No premium plans, no upsells, no enterprise pricing.
Funds arrive in your wallet within seconds, not days. No waiting, no float, no cash flow problems.
Your funds go directly to your wallet. No intermediary can freeze, hold, or seize your money. Ever.
Accept USDT, EURC, xSGD, IDRX, BRLT, MXNT and 400+ stablecoins worldwide. Your customer pays in their currency, you receive in yours.
Sera Protocol automatically swaps incoming stablecoins to your preferred currency at the best market rate.
Create branded invoices, payment links, and QR codes. Track payments in real-time with webhooks.
Fork it, modify it, self-host it. Full transparency, no vendor lock-in. Licensed under the Sera Protocol License.
Moneta uses the Sera Protocol for stablecoin payments. There are no credit card networks, no banks, no intermediaries taking a cut. The only cost is minimal blockchain network fees (typically < $0.01).
No catch. Moneta is open-source software. We believe payment infrastructure should be a public good. The Sera Protocol is funded by the Sera Foundation, not transaction fees.
Stablecoin payments are final and irreversible once confirmed on the blockchain. There are no chargebacks, no disputes, no fraud risk from payment reversals.
No. Moneta uses self-custody wallets. Your funds go directly to your wallet, which only you control. No company can freeze, hold, or seize your money.