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Furlpay vs Stripe (UK)
Stripe is the standard for UK card payments. Furlpay is stablecoin-native: 0.5% USDC on Arbitrum, no chargebacks, instant settlement. Here's when each one fits a UK business.
For UK businesses, Stripe charges about 1.5% + 20p on UK cards and 2.9% + 30p on international cards; Furlpay charges 0.5% for USDC on Arbitrum with no chargebacks and instant settlement. Stripe wins on card ubiquity; Furlpay wins on cost, finality, and cross-border fares.
| Feature | Furlpay | Stripe |
|---|---|---|
| UK card fee | 0.5% flat (USDC) | 1.5% + 20p (UK cards) |
| International card fee | 0.5% flat | 2.9% + 30p + FX |
| Settlement speed | ~1 second | 2–3 working days |
| Chargebacks | None (on-chain final) | Yes + dispute fees |
| FX on overseas customers | None (dollar-stable) | Conversion + markup |
| Payment methods | USDC stablecoin | Cards, wallets, bank debits |
| UK ubiquity | Growing | Universal |
| AI / x402 payments | Yes | No |
The differences that matter
Different rails for different jobs
Stripe is unmatched for accepting UK cards, wallets and bank debits, with mature 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 card interchange plus FX, especially on international bookings.
Cross-border is where it counts
UK hotels and airlines take a large share of overseas customers, where cards add FX and higher interchange. USDC is dollar-stable and borderless, so cross-border is exactly where the 0.5% flat rate saves the most.
Finality and cash flow
Card payments settle in days and can be charged back. USDC on Arbitrum settles in about a second, is final, and has no rolling reserve — better cash flow and no dispute fees.
Use both
Most UK businesses keep Stripe for cards and add Furlpay for USDC — offering customers a cheaper option and capturing crypto-native demand without changing their existing checkout.
Frequently asked questions
Is Furlpay cheaper than Stripe in the UK?
For payments a customer can make in USDC, usually yes: Furlpay is 0.5% versus Stripe's roughly 1.5% + 20p on UK cards and 2.9% + 30p plus FX on international cards, with instant settlement and no chargebacks. Stripe remains better for broad UK card and bank-debit acceptance.
Should a UK business replace Stripe with Furlpay?
Usually not entirely. Many UK businesses keep Stripe for cards and add Furlpay for cheaper USDC payments, especially on international bookings. Use each rail where it is strongest.
Is Furlpay FCA authorised?
Not yet. The FCA cryptoasset authorisation gateway opens on 30 September 2026 and the regime is mandatory from 25 October 2027; Furlpay is preparing for it. Cryptoassets are not covered by the FSCS and can lose value.
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Comparison based on publicly available information as of July 2026 and may change. Stripe is a trademark of Stripe, Inc. Stripe UK card fees shown are standard published rates and vary by method and region. Furlpay is not currently FCA authorised; cryptoassets are high risk and not FSCS-protected.