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Furlpay vs BitPay
Both let businesses accept crypto. Furlpay focuses on USDC stablecoin payments on Arbitrum at 0.5%, is open-source and AI-native, and bundles a passkey wallet, travel, and investing.
Furlpay is a BitPay alternative that settles USDC on Arbitrum for 0.5%, versus BitPay's roughly 1% merchant settlement fee. Furlpay is open-source and AI-native (x402), uses passkey wallets with no seed phrase, and adds travel and investing in one account.
| Feature | Furlpay | BitPay |
|---|---|---|
| Merchant fee | 0.5% flat | ~1% settlement |
| Primary asset | USDC (dollar-stable) | BTC + many coins |
| Settlement chain | Arbitrum (L2, sub-cent gas) | Multi-chain |
| AI / x402 payments | Yes (facilitator + MCP) | No |
| Wallet | Passkey MPC, no seed | External wallet required |
| Open source | Yes (MIT) | No |
| Beyond payments | Travel + investing | Payments only |
| Chargebacks | None (on-chain final) | None (on-chain final) |
The differences that matter
Stablecoin-first, not coin-agnostic
BitPay grew up around Bitcoin and supports many volatile coins. Furlpay is built around USDC — a dollar-pegged stablecoin — so pricing, accounting, and settlement are predictable, and merchants aren't exposed to intraday crypto swings between quote and payout.
Lower, simpler fees
Furlpay is a flat 0.5% on Arbitrum, where gas is a fraction of a cent. BitPay's merchant settlement is typically around 1%. On steady volume, the difference compounds.
Built for AI agents
Furlpay ships an x402 facilitator and MCP server so autonomous agents can pay per request. BitPay has no agentic payment protocol.
More than a payment button
Beyond acceptance, Furlpay includes a passkey wallet, USDC travel booking, and fractional investing in one account — BitPay is focused on crypto payment processing.
Frequently asked questions
What is the best BitPay alternative for stablecoin payments?
Furlpay is a strong BitPay alternative if you want USDC specifically: it settles USDC on Arbitrum for a flat 0.5% (versus BitPay's ~1%), is open-source, and adds AI-agent payments via x402, a passkey wallet, travel, and investing.
Is Furlpay cheaper than BitPay?
On a per-transaction basis, typically yes: Furlpay is 0.5% flat while BitPay's merchant settlement is generally around 1%. Actual costs depend on your volume and assets; use the fee calculator to model your case.
Does Furlpay support Bitcoin like BitPay?
Furlpay is stablecoin-first and settles USDC on Arbitrum rather than emphasizing Bitcoin and many volatile coins. That keeps pricing and accounting dollar-stable, which is the main design difference from BitPay.
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Comparison based on publicly available information as of July 2026 and may change. BitPay is a trademark of its respective owner. Fees vary by plan, region, and asset.