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Furlpay vs Coinbase Commerce
Both accept stablecoin payments. Furlpay is 0.5% instead of 1%, open-source and AI-native, and comes with a passkey wallet, fiat settlement, travel, and investing.
Furlpay is a Coinbase Commerce alternative that charges 0.5% versus 1% for USDC payments on Arbitrum. It adds x402 agentic payments, a passkey wallet with no seed phrase, fiat settlement, and travel and investing in one account.
| Feature | Furlpay | Coinbase Commerce |
|---|---|---|
| Fee | 0.5% flat | 1% |
| Focus asset | USDC on Arbitrum | USDC + several coins |
| AI / x402 payments | Yes | x402 protocol origin, limited product |
| Wallet | Passkey MPC, no seed | Coinbase account / external |
| Fiat settlement | Local USD/EUR account | Via Coinbase account |
| Open source | Yes (MIT) | Partly (SDKs) |
| Beyond payments | Travel + investing | Payments only |
| Recurring billing | Yes (EIP-712) | Limited |
The differences that matter
Half the fee
Coinbase Commerce charges 1% on transactions. Furlpay is 0.5% flat on Arbitrum, so on the same volume your processing cost is roughly halved.
A product, not just a protocol
Coinbase created the x402 protocol, which is excellent. Furlpay builds a full product around it — a hosted facilitator, MCP server, recurring authorizations, and merchant tooling — so you can ship agentic and subscription payments without assembling the pieces yourself.
One account for money
Furlpay bundles a passkey wallet, USDC travel booking, and fractional investing alongside acceptance. Coinbase Commerce is a focused payment product.
Open and self-hostable
Furlpay's SDKs, CLI, MCP server, and x402 facilitator are MIT-licensed, so you can audit and self-host the payment path end to end.
Frequently asked questions
Is Furlpay cheaper than Coinbase Commerce?
Yes on fees: Furlpay charges 0.5% per transaction versus Coinbase Commerce's 1%, so processing cost is roughly halved on the same volume. Both settle on-chain with no chargebacks.
What is the best Coinbase Commerce alternative?
If you want lower fees and more around the payment — recurring USDC billing, agentic x402 payments, a passkey wallet, and fiat settlement — Furlpay is a strong Coinbase Commerce alternative at 0.5% on Arbitrum.
Does Furlpay use the x402 protocol?
Yes. x402 was created by Coinbase, and Furlpay implements it with a hosted facilitator and MCP server so AI agents can pay per request, plus middleware you can self-host.
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Comparison based on publicly available information as of July 2026 and may change. Coinbase Commerce is a trademark of its respective owner. Fees vary by plan, region, and asset.