Crypto invoicing vs Stripe and PayPal: fees, chargebacks, and speed

Stripe and PayPal are excellent at cards. But if your business runs on invoices, especially across borders, getting paid in crypto can come out cheaper, faster, and less risky. Here is the side-by-side.

Fees

Cards run around 2.9% + 30¢ a transaction, and currency conversion piles on more for international payments. Crypto invoicing with Brionic is a flat monthly plan (from $1/month) with a network fee of a fraction of a cent, so you pocket the full $1,000 on a $1,000 invoice instead of handing ~$30+ to the card networks.

Chargebacks

This is the big one. A card payment can be reversed weeks later through a chargeback, even for work you've already delivered, and you eat a dispute fee either way. Crypto payments are final. Once an invoice is paid on-chain, the money is yours; there's simply no reversal button.

Settlement speed

Card payouts often take 2 to 7 days to reach your bank. On the XRP Ledger and Stellar, payments settle in 3 to 5 seconds, and with Brionic the funds land at a wallet you control right away. No holds, no rolling reserves.

Global reach

Cards lean on the customer's bank and country, and plenty of regions are badly served. A crypto invoice can be paid by anyone, anywhere, at any hour.

What you give up

Crypto isn't right for every checkout. Your customer needs a wallet with funds in it, and price-volatile assets move between send and pay, which is the whole reason stablecoins like USDC and RLUSD exist. For B2B invoicing and crypto-comfortable customers, though, the trade usually pays for itself.

The bottom line

If you invoice clients and care about fees, settlement speed, and chargeback risk, crypto invoicing is a strong complement to Stripe and PayPal, or a replacement for them. Offer a stablecoin and the amount stays dollar-stable too. Create an account and send your first invoice, or read USDC vs RLUSD to choose a stablecoin.