Crypto Subscriptions vs Stripe & PayPal – What’s the Real Cost?

Billing is the backbone of any digital business. Whether you’re building a SaaS product, a platform, or a community, how you charge users defines your margins, your control, and your growth.

For years, Stripe, PayPal, and similar tools have dominated recurring payments. But in Web3, a new model is taking shape: stablecoin subscriptions powered by Papaya Finance.

Let’s compare the two.

1. Fees

Stripe: 2.9% + $0.30 per transaction

PayPal: 2.5–4.4% + currency conversion

Papaya Finance: Near-zero gas (~$0.01/month)

Papaya Finance eliminates intermediaries and dramatically reduces cost as transaction volume grows.

2. Setup & Integration

Traditional billing requires complex backend logic, retries, invoicing, and integrations.

Papaya Finance can be easily integrated via SDK, ready-to-use widget, or directly at the smart contract level. Its on-chain structure provides full transparency, making financial reconciliation easier, all transaction data is already available on the blockchain.

3. Global Access

Stripe and PayPal are restricted by region and regulations.

Papaya Finance works globally. If your users have a wallet and stablecoins, they can subscribe - no KYC, no banking limitations. The solution is fully non-custodial: funds move directly from the customer to the SaaS platform without ever being held by Papaya.

4. Control & Custody

With traditional providers:

Accounts can be frozen
Payouts delayed
Access revoked

With Papaya Finance, funds are streamed directly to your wallet. No custody, no freeze risk, full control at all times.

5. Transparency & Automation

Papaya Finance offers:

Real-time visibility into incoming payments
Automatic liquidation when balance runs out
Open, verifiable logic

Everything is on-chain, fully auditable, and tamper-proof.

Final Thoughts

Recurring billing hasn’t changed in decades until now.

With Papaya Finance, any company can accept recurring payments in stablecoins. It’s global, automated, and fully non-custodial. Whether you’re a Web3 platform or a traditional business, you can give your customers a new way to pay.