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Furlpay vs Stripe
Stripe is the standard for card payments. Furlpay is stablecoin-native: 0.5% USDC on Arbitrum, no chargebacks, instant settlement, and agentic x402 payments. Here's when each fits.
Stripe charges about 2.9% + 30¢ for card payments; Furlpay charges 0.5% for USDC on Arbitrum with no chargebacks and instant settlement. Stripe wins on card ubiquity and fiat tooling; Furlpay wins on cost, finality, and AI-agent payments.
| Feature | Furlpay | Stripe |
|---|---|---|
| Headline fee | 0.5% flat | 2.9% + 30¢ (cards) |
| Settlement speed | ~1 second | 2–3 business days |
| Chargebacks | None (on-chain final) | Yes + dispute fees |
| Payment method | USDC stablecoin | Cards, wallets, ACH, more |
| Global reach | Borderless USDC | Extensive fiat coverage |
| AI / x402 payments | Yes | No |
| Rolling reserve | None | Sometimes |
| Open source | Yes (MIT) | SDKs only |
The differences that matter
Different rails for different jobs
Stripe is unmatched for accepting cards, wallets, and local fiat methods worldwide, with mature dashboards and tooling. Furlpay isn't trying to replace that everywhere — it's the better rail when your customer can pay in USDC and you want to keep 0.5% instead of ~3%.
Cost and finality
Card payments cost about 2.9% + 30¢, settle in days, and can be charged back. USDC on Arbitrum settles in about a second, is final, and costs 0.5% — meaningful for high-volume, low-margin, or cross-border businesses.
Agentic payments
Furlpay's x402 facilitator lets AI agents pay per request in USDC. Stripe has no equivalent machine-to-machine, pay-per-call protocol.
Use both
Many businesses keep Stripe for cards and add Furlpay for USDC and agent payments — offering customers a cheaper option and capturing crypto-native demand without ripping out existing checkout.
Frequently asked questions
Is Furlpay cheaper than Stripe?
For payments a customer can make in USDC, yes: Furlpay is 0.5% versus Stripe's ~2.9% + 30¢ for cards, with instant settlement and no chargebacks. Stripe remains better when you need to accept cards and local fiat methods broadly.
Should I replace Stripe with Furlpay?
Usually not entirely. Many businesses keep Stripe for card acceptance and add Furlpay for cheaper USDC payments and AI-agent (x402) payments. Use each rail where it's strongest.
Does Furlpay accept credit cards like Stripe?
Furlpay is stablecoin-native and settles USDC on Arbitrum rather than being a card processor. If you need broad card and fiat acceptance, pair Furlpay with a card processor like Stripe.
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Comparison based on publicly available information as of July 2026 and may change. Stripe is a trademark of Stripe, Inc. Card fees shown are Stripe's standard US online rate; actual pricing varies by plan, method, and region.