Most lists of Stripe alternatives are lists of other card processors. They price a card payment by the card the buyer holds, so a card issued in another country can add a surcharge to the base rate. Three criteria separate the options: what the customer pays with, the price per payment, and what changes when the customer is in another country.

EukaPay is a different kind of Stripe alternative: a platform for stablecoins or crypto, where no card takes part in the payment. It collects stablecoin and crypto payments and settles to your bank account in USD, EUR, GBP, or CAD. This guide sets EukaPay beside Stripe, PayPal, Adyen, and Paddle on those three criteria.

EukaPay is measured here on the three questions a finance or product lead asks before moving volume off Stripe. Each one changes who can pay you and what you keep.

EukaPay accepts stablecoins and crypto through invoices, payment links, checkout, and subscriptions. Pay-ins cover most major cryptocurrencies like BTC, ETH, LTC, SOL, USDC, and USDT. The customer needs a wallet with a balance. No card, issuing bank, or card network approves the payment.

Card processors publish a percentage plus a fixed charge per transaction, and the table below lists each one. EukaPay's rate is agreed with the EukaPay team during onboarding.

Card rails treat a card issued in another country as a separate case with its own charge. EukaPay processes a payment from another country with the same on-chain transfer it uses for a domestic customer.

EukaPay is built around stablecoin and crypto pay-ins, with fiat settlement to your own bank account.

On the card side of the market, Stripe lists stablecoin payments at 1.5% of the transaction amount, next to its card, wallet, and bank-debit methods. In that product, stablecoins are one method among many card-first options.

EukaPay takes the opposite shape. Invoices, payment links, checkout, and subscriptions all collect stablecoins or crypto, and the same account sends crypto payouts. A business that wants a second rail next to its card processor can add EukaPay without replacing the card setup it already runs.

Refer to the websites for current information.

In the table, EukaPay's cross-border row reads the same as its domestic one: one on-chain transfer, wherever the customer sits.

On the card side, Stripe adds 1.5% for an international card and 1% when currency conversion is required. PayPal adds 1.50% to international commercial transactions. Adyen charges a fixed $0.13 and passes card interchange through, so its cross-border cost depends on the card. Paddle acts as merchant of record and charges 5% + 50¢ per checkout transaction.

EukaPay's pay-in stays one on-chain transfer for a domestic customer and a cross-border customer alike.

EukaPay fits the business whose customers hold stablecoins or crypto and whose finance team wants fiat in the bank. That group includes software sellers with international buyers, affiliate networks, and any business selling into markets its acquirer serves poorly. You choose fiat or crypto settlement. Fiat settlement reaches your own business bank account.

Card-first alternatives do a different job. PayPal adds its own wallet and Venmo at checkout. Adyen processes cards and local payment methods through one integration. Paddle sells on your behalf as merchant of record, so it handles sales tax for software sellers. Our

Authorize.net alternatives

guide covers the same decision from a gateway buyer's side, and

companies like PayPal

looks at wallet-led options.

If disputes are what pushed you to look past Stripe, our guide to

chargeback protection for merchants

explains why a crypto payment works differently. For a business with customers abroad, EukaPay is the Stripe alternative that removes the card from the payment.

EukaPay runs deposits, 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. A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method. Money can also go back out as crypto payouts, sent one at a time through the Payout API or from a recipient list uploaded in the dashboard. Payouts are not tied to banking hours or the banking calendar.

If your customers can pay in stablecoins or crypto, EukaPay is the Stripe alternative to add. Our

international payment gateway

guide covers what changes when you sell across borders. Open an account, complete verification, and generate an API key to start collecting.

Create an account at

app.eukapay.com/signup

to accept stablecoin and crypto payments through invoices, payment links, checkout, or subscriptions. Developers (or coding agents) can read the invoice, subscription, payout, balance transfer, and customer endpoints at

docs.eukapay.com

. A staging environment is there for building and testing the integration.

Which Stripe alternative works for international customers?

If your customers hold stablecoins or crypto, EukaPay collects the payment on-chain and settles to your bank account in USD, EUR, GBP, or CAD. No foreign card issuer takes part in the payment.

Can I use EukaPay alongside Stripe?

Yes. EukaPay adds a stablecoin and crypto rail next to your card processor, so you can keep cards where they work and offer crypto checkout as a second option.

Which cryptocurrencies can customers pay with on EukaPay?

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

Does EukaPay process credit cards?

No. EukaPay accepts stablecoins and crypto. A business that also needs card acceptance can keep a card processor for that method.

How does EukaPay handle the exchange rate?

EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts. You do not switch it on per payment.

Can EukaPay bill a customer on a recurring schedule?

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

What does it take to open a EukaPay account?

Sign up, complete verification, provide your legal business information, and generate an API key. A staging environment is there for development work.