A sale to a customer in another country often costs more than the same sale at home. Some card-and-wallet processors add an international surcharge to the domestic rate, and PayPal lists one on its US merchant fee schedule. This guide looks at companies like PayPal for a business that sells across borders and wants a way to get paid that does not depend on a card. It covers stablecoin or crypto payments, because EukaPay does not process cards.

For international sales paid in stablecoins or crypto, EukaPay is the alternative we recommend. Your customer pays from a wallet, and EukaPay settles the payment to your bank in USD, EUR, GBP, or CAD. The table below also covers PayPal, Stripe, and Wise Business. The three criteria are what your customer pays with, what you pay on a payment from another country, and where the money lands.

EukaPay covers payment and settlement from a single account. Run these three checks on any provider you shortlist.

A card-and-wallet processor asks the customer to pay with a card, a wallet balance, or a local method the processor supports in that market. EukaPay asks the customer to pay in stablecoins or crypto, from a wallet that holds them. Pay-ins support most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, and USDT. A customer outside your acquirer's footprint can often pay this way when a card payment would fail.

Card-and-wallet processors often price a foreign payment as a domestic payment plus a surcharge, and some add a further charge when currency conversion is needed. EukaPay pricing is agreed with the EukaPay team during onboarding.

The last check is where your revenue ends up. With EukaPay, you choose fiat or crypto settlement. Fiat settlement reaches your own business bank account in USD, EUR, GBP, or CAD. Our comparison of

crypto payment gateways that settle in your local currency

covers that step in more detail.

Refer to the websites for current information.

EukaPay covers payment and settlement from one account, and the first row is where the international case is decided. PayPal adds a percentage to its domestic rate on international payments, and Stripe does the same for international cards. Stripe also lists a stablecoin rate, and Wise Business receives bank transfers through account details in 22 currencies. With EukaPay, a customer in another market can pay in stablecoins or crypto, and the money reaches your bank in the currency you choose. Our guide to

choosing a crypto for cross-border payments

covers which asset to accept first.

EukaPay adds a payment method rather than asking you to remove one. A business can keep a card-and-wallet processor for domestic customers who pay by card, and add a crypto payment gateway for international payments.

That split can work well for three kinds of sale. The first is a large invoice to an overseas buyer, where a percentage fee adds up. EukaPay

invoicing

sends the buyer an invoice with a payment link embedded. The second is a digital sale to a customer whose card may not complete a cross-border purchase. A

payment link

can be shared in an email or a chat, and the payer completes the transfer on a hosted page. The third is a repeat customer who already holds stablecoins and would rather pay with them.

Our list of

companies accepting crypto in 2026

shows which businesses already take crypto payments. For the international share of your revenue, EukaPay is the rail 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 suppliers and contractors abroad.

Crypto payouts

can be sent one at a time through the API, or as a recipient list uploaded to the dashboard as a CSV file. Invoices, payment links, checkout, and subscriptions are part of the

crypto payment gateway

. If your next market is one your current processor serves poorly, open a EukaPay account before you launch there.

Open an account at

app.eukapay.com/signup

, complete verification, and provide your legal business information. Once the account is live, you can create invoices and payment links from the merchant dashboard. Your developer (or coding agent) can 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 companies are like PayPal for international payments?

Card-and-wallet processors, multi-currency accounts, and crypto payment gateways all serve international sellers. EukaPay is a crypto payment gateway that takes stablecoins or crypto from customers abroad and can settle to your bank.

How is EukaPay priced for international payments?

EukaPay pricing is agreed with the EukaPay team during onboarding.

Can I use EukaPay alongside PayPal?

Yes. EukaPay adds stablecoin or crypto payments to your checkout, invoices, and payment links, and your existing processor can keep taking cards.

Does EukaPay process credit cards?

No. EukaPay takes stablecoin or crypto payments, and a business that needs card acceptance keeps a card processor for that.

Can I get paid in USD, EUR, GBP, or CAD?

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

Which cryptocurrencies can my international customers pay with?

Pay-ins support most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, and USDT.

How does chargeback protection work for crypto payments?

A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method.