PayPal alternatives are often compared on the payment fee alone, but card-and-wallet processors also publish a separate fee for each disputed payment. PayPal's merchant fee schedule for the United States lists a dispute fee on PayPal Checkout payments and a separate chargeback fee on card payments. Stripe lists its own fee for every dispute received. The PayPal dispute fee is charged in addition to the payment fee, because a card or wallet payment can be reversed after you ship. Three criteria separate the options: payment coverage, meaning what the customer pays with, the price per online payment, and what a disputed payment costs.

EukaPay is a PayPal alternative built for a business that wants to take stablecoins or crypto at checkout. Your customer pays from a wallet, the payment confirms on-chain, and EukaPay settles to your bank account in USD, EUR, GBP, or CAD. This guide sets EukaPay beside PayPal and Stripe on those three criteria.

The payment method decides who can reverse the payment later. A card payment runs through an issuer, and the cardholder can ask that issuer to pull the money back. A wallet payment through PayPal can be disputed inside PayPal. EukaPay takes most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, and USDT, and the customer sends the payment from their own wallet.

Card-and-wallet processors usually charge a percentage plus a fixed amount on every payment. PayPal lists 3.49% plus 49¢ for a PayPal Checkout payment in the United States, and Stripe lists 2.9% plus 30¢ for a domestic card. The fixed amount matters most on small orders, where it can be a large share of the order value. EukaPay pricing is agreed with the EukaPay team during onboarding.

Card-and-wallet processors often charge a dispute fee per case, on top of the sale amount you may lose. PayPal lists a $15 standard dispute fee, $30 under its high-volume dispute tier, and a $20 chargeback fee on card payments that do not run through a PayPal account or guest checkout. Stripe lists $15 per dispute received and another $15 to counter one, which Stripe returns on a won dispute. A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method. For the card side, read our guide on

how merchants handle card chargebacks

.

Refer to the websites for current information.

EukaPay is built on a payment method that carries no card chargeback, because a crypto payment confirms on-chain. For a business with customers who hold stablecoins, EukaPay gives those customers a way to pay without a card.

Yes. EukaPay gives you a checkout, invoices, and payment links that take stablecoins or crypto. The customer pays from their own wallet and completes the payment on a hosted payment page in the browser. The

hosted checkout comparison

shows how that page fits into an online store.

Invoices suit a business that bills a buyer for goods or services delivered. You enter the amount, add line items, and add your customer's information, and EukaPay sends the invoice with a payment link in it. The

crypto invoicing comparison

covers that workflow. Subscriptions send invoices on a recurring schedule, from daily to annually, for a customer who pays you every period.

EukaPay fits a business whose customers already hold stablecoins or crypto, or who want a checkout option that does not run on a card. EukaPay does not process cards, issue merchant accounts, or set interchange, so it runs beside your card processor instead of replacing it. A business can keep a card option and add EukaPay as the crypto checkout, so a customer who holds stablecoins can pay without a card.

A card-and-wallet processor still belongs in a checkout where most customers pay by card. If you are weighing PayPal for international sales in particular, our comparison of

companies like PayPal

looks at cross-border payments and where the money lands. EukaPay is the option for customers who pay in stablecoins or crypto from their own crypto wallet.

EukaPay runs crypto pay-ins, crypto payouts, and fiat settlement from one account. You get instant crypto-to-fiat conversion at a locked exchange rate to remove your exposure to crypto price swings, support for most major cryptocurrencies, and settlement in USD, EUR, GBP, and CAD to your bank account. EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts. You can also choose to keep revenue in crypto instead of converting it.

A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method. For a business that wants a PayPal alternative with a crypto checkout, EukaPay is the platform we recommend. Open an account, connect the checkout or send your first invoice, and keep your card processor for card buyers.

Create an account at

app.eukapay.com/signup

. Sign up, complete verification, provide your legal business information, and then generate an API key. A developer (or coding agent) can build the integration from the

API documentation

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

Is there an alternative to PayPal that accepts crypto payments?

EukaPay takes stablecoins or crypto through checkout, invoices, and payment links, and settles to your bank in USD, EUR, GBP, or CAD.

Can I use EukaPay alongside PayPal?

Yes. EukaPay does not process cards, so you can keep PayPal or a card processor for card buyers and add EukaPay for customers who pay in stablecoins or crypto.

Can a customer reverse a crypto payment through a chargeback?

No. A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method. There is no card issuer in the payment to reverse it.

How is EukaPay priced?

EukaPay pricing is agreed with the EukaPay team during onboarding.

Which cryptocurrencies can my customers pay with?

EukaPay supports most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, and USDT for pay-ins.

Do I have to hold crypto if I accept it?

No. You can choose fiat settlement, and EukaPay converts at a locked exchange rate and settles to your bank account in USD, EUR, GBP, or CAD.

Can EukaPay send invoices on a recurring schedule?

Yes. Subscriptions send invoices on a recurring schedule at intervals from daily to annually, through the dashboard and the API.