Easy vs Stripe
How Easy compares to Stripe on pricing, payouts, fund control, and features.
Easy charges 2.7% + $0.30 per online transaction vs. Stripe's 2.9% + $0.30. That's $200/month in savings on $100K in volume. Easy is also self-custodial — your money goes directly into accounts you control, with next-day payouts as standard. Stripe holds your funds and pays out on their schedule.
| Feature | Easy | Stripe |
|---|---|---|
| Online card rate | 2.7% + $0.30 | 2.9% + $0.30 |
| In-person card rate | 2.7% + $0.30 | 2.7% + $0.05 |
| Amex rate | 3.0% + $0.30 | 3.4% + $0.30 |
| Keyed-in rate | — | 3.4% + $0.30 |
| International cards | +1.5% | +1.5% + 1% conversion |
| ACH | 0.5% + $1.00 ($4 cap) | 0.8% ($5 cap) |
| Monthly fees | None | None |
| Self-custodial | Yes | No |
| Cashback on balances | Yes | No |
| Stablecoin payments | Free | 1.5% |
| Approval speed | Under 90 seconds | Varies |
| Payouts | Next-day, instant available | 2 business days standard |
How does pricing compare?
Easy charges 2.7% + $0.30 for online card payments. Stripe charges 2.9% + $0.30. That 0.2% difference adds up fast — on $100K in monthly volume, you save $200/month with Easy, or $2,400 a year. Amex is even bigger: 3.0% with Easy vs. 3.4% with Stripe. For ACH, Easy is 0.5% + $1.00 capped at $4 per transaction vs. Stripe's 0.8% capped at $5. In-person rates are close, but Easy keeps things simple with the same flat rate online and in-store. No surprise surcharges, no tiered pricing that changes as you scale.
Who controls the money?
With Stripe, your funds sit in Stripe's accounts until they decide to pay you out. That's usually 2 business days, sometimes longer if they flag something. Easy is self-custodial. Your money goes directly into accounts you own and control. Easy processes the payment but never holds your funds. No reserve requirements, no balance freezes, no waiting for someone else to release what's already yours.
What about stablecoin payments?
Both Easy and Stripe support stablecoin payments, but the pricing is very different. Easy doesn't charge anything for stablecoin transactions. Stripe charges 1.5%. If you process $50K in stablecoin payments a month, that's $750/month you keep with Easy. Both platforms let customers pay with USDC alongside card and ACH — same dashboard, same reporting.
How fast do you get your money?
Easy pays out next-day as standard, with instant payouts available. Stripe's standard payout schedule is 2 business days, and instant payouts come with an extra fee. Since Easy is self-custodial, your funds are already in your accounts — payouts are just moving money you already have, not waiting for a processor to release it.
Who should pick Easy over Stripe?
Easy is built for businesses that want lower rates, faster access to their money, and full control over their funds. If you process a meaningful volume of online payments, the 0.2% rate difference alone pays for itself. If you want stablecoin acceptance, cashback on balances, or you're just tired of a processor sitting on your money for days, Easy is the better fit. Stripe works well if you need a massive ecosystem of add-ons or operate in dozens of countries. But for US and Canadian merchants who want straightforward pricing and self-custodial fund control, Easy wins.
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