Card fees for a SaaS company are usually quoted for a domestic card in the home currency. The price moves once your customer list crosses a border. A foreign-issued card, a charge in another currency, and a customer in a market your acquirer serves poorly can each add cost or declines to a renewal. Most lists of the best payment infrastructure for SaaS compare card processors, and EukaPay is not one. A SaaS business that takes cards keeps a card processor for that volume.

For international customers who would rather pay in stablecoins or crypto, EukaPay is the payment infrastructure we recommend. The customer pays from a wallet instead of a card, and EukaPay can settle the payment to your bank in USD, EUR, GBP, or CAD. The table below also covers Paddle, PayPal Braintree, and Airwallex. The four criteria are how a cross-border payment is priced, what international customers can pay with, how recurring billing works, and where your revenue settles.

EukaPay was built for the three cross-border problems below. Test every provider on your shortlist against the same three.

A card processor's headline rate often covers a domestic card only. Surcharges can apply when the card was issued abroad or the charge is presented in another currency. A crypto payment is sent from the customer's wallet, not charged to a card issued in another country, so a foreign-card surcharge does not apply to it. Our comparison of the

best crypto for cross-border payments

covers which assets suit that job.

A renewal can fail because the customer's card does not complete a cross-border digital purchase. EukaPay gives that customer another way to pay. The customer opens a EukaPay payment page and completes the transfer from a wallet in the browser, in most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, and USDT.

When you choose fiat settlement, EukaPay converts the payment at a locked exchange rate and can settle it to your own business bank account in USD, EUR, GBP, or CAD. You can also choose crypto settlement. Our guide to the

best crypto payment gateway to settle in local currency

covers the settlement choice in more detail.

Refer to the websites for current information.

EukaPay answers the second and fourth rows with the methods and currencies an international SaaS customer needs. Paddle sells as the merchant of record for the SaaS company. PayPal Braintree lists added amounts for a card issued outside the United States and for a currency other than USD. Airwallex lists international cards separately from domestic ones. With EukaPay, a customer anywhere can pay a renewal in USDC, and the payment can reach your bank in USD, EUR, GBP, or CAD.

EukaPay is added next to the systems a SaaS company already runs. Your card processor keeps card volume. Your billing system keeps plans, proration, and the retry logic that reduces involuntary churn. EukaPay adds a crypto channel for the international customers your card processor serves poorly or at a higher rate.

That split often suits three kinds of international SaaS customer. The first is a customer whose card is declined on a cross-border digital purchase. The second is a finance team paying an annual contract that would rather send USDT than route a wire through intermediary banks. The third is a customer in a crypto-native industry who already holds stablecoins. EukaPay can bill all three through invoices, payment links, checkout, or

subscriptions for recurring payments

. Our guide to

crypto payments for SaaS

covers the wider case. For the international share of your revenue, EukaPay is the payment infrastructure to add.

EukaPay runs the whole flow on one platform: instant crypto-to-fiat conversion at a locked exchange rate to remove your exposure to crypto price swings, support for most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, and USDT, and settlement in USD, EUR, GBP, and CAD to your bank account. A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method. EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts.

The same account can pay resellers, affiliates, and contractors outside your home market.

Crypto payouts

can be sent one at a time through the Payout API, or as a recipient list uploaded to the dashboard as a CSV file. Payouts are not tied to banking hours. Checkout, invoices, payment links, and subscriptions are part of the

crypto payment gateway

. If your SaaS business bills customers abroad, open a EukaPay account and give them a way to pay that does not depend on their card.

Open an account at

app.eukapay.com/signup

, complete verification, and provide your legal business information. Your developer (or coding agent) can then generate an API key and build against the

API documentation

, which covers invoices, subscriptions, payouts, balance transfer, and customers. A staging environment is available for development.

What is payment infrastructure for SaaS?

Payment infrastructure for SaaS is the set of services that collects a software company's revenue and moves it to the company's bank. EukaPay provides that infrastructure for stablecoin and crypto payments, from checkout through settlement.

How is EukaPay priced?

EukaPay pricing is agreed with the EukaPay team during onboarding.

Does EukaPay replace my card processor?

No. EukaPay does not process cards, so a SaaS business that takes cards keeps a card processor for that volume. EukaPay adds a crypto channel next to it.

Can a SaaS customer pay an annual invoice in USDC?

Yes. EukaPay sends a formatted PDF invoice to the buyer's inbox with the payment link embedded, and the buyer can pay in USDC or another supported cryptocurrency.

Can EukaPay bill SaaS subscriptions?

Yes. EukaPay subscriptions send invoices on a recurring schedule, at intervals from daily to annually, through the dashboard or the API.

Which currencies can EukaPay settle to my bank account?

EukaPay can settle to your own business bank account in USD, EUR, GBP, or CAD, at a locked exchange rate.

Can I keep payments in crypto instead of converting them?

Yes. You choose fiat or crypto settlement on your EukaPay account.